Bankers Secret Manual

7/30/2019 Bankers Secret Manual

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TOP SECRETBANKER'S MANUALFORBANKERSONLY

This manua l is des igned forBank Pres idents andVice president.. only.


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Message to Bankers, Politiciansand Law EnforcementI f any threa ts are made to Mr. Schauf or laws passed to attempt to stopMr.Schauf-we have a legal plan. We have a plan to checkmate the bankers no rnarter what strategy is used 10 stop Mr. Schauf. Mr. Schauf hasplaced critical information in the hands or others that will be released, ellmass. if bankers/politicians take certain actions. Mr. Schauf will act in alegal manner-act decisively- swiftly in a way thatno banker will wan t tohappe n. I fMr. Schauf has problems he wil l presume it came from bank ers and legal action will be taken. Mr. Schauf suggests that the bankersmake certain that Mr. Schauf remains very happy.Bankers may approach Mr. Schaufwith a settlement offer . If Bankers tryand go to a national to/computer chip implant, use terrorism to fo rcetheir hand. make threats against Mr. Schauf or use other methods- Mr.Schaufhasa plan 10 legally checkmate these attempts and win against thebankers. Mr. Schauf believes that he was called by God 10 lead the nati onout of Debt Bondage and Mr. Schauf fears God more than Man.Mr. Schauf assures all Americans that every contingency has been considered. along with our response.WEWILL NOT FAIL. God is with usand no man can stop God.My goal is 10 inform every Ameri can to the truth so they can then vote mein as president so I can correct the banking problem and return their righ tsand freedoms.

ContentsForward 5Acknowledgments 9Introduction 11About the Author ......................................... ............. ................ ... 15About the Manual - Its Purpose 16Chapter I - Warning 17Chapter 2 - Court Strategy 22CPA Banking Report by THOMAS SCHAUF, CPA 34Chapter 3 Additional Laws & Strategies 48Chapter 4 - What Bankers Fear 5 1Chapter5 - Notices 55Chapter 6 - Two Kinds of Money 58Chapte r 7 - Credit Cards : : 61Chapter 8 - Credit Card Bookkeeping Entnes 65Chapter 9 Debt Co llectors 67Chapter 10 - Doubling Money 69Chapter 11- Changing the System 72Chapter 12 - Ultimate Fear of Bankers 73Chapter 13 - The Threat to the Economy 75Chapter 14- Title 12U.S.C., The Banking Law 7MChapte r IS Auditors and Attorneys gOChapter 16 - Introduction 10 Preliminary Judicial Procedures 83Chapter 17 - The Bible and Today's Banking 90

~ ~ ; : ~ ~ : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : :Suggested Court Admissions 10STRATEGYOFNOTICES 106NOTICEOFADEQUATEASSURANCEOFDUE PERFORMANCE 110AFFIDAVIT of l. Ben Robbed 112AFFIDAVIT [Bank] 114AFFIDAVIT (Credit Union] 116NOTICE and DEMAND 118NOTICE OF ALLEGED LOAN DISPUTE 128NOnCE OF HOLDER IN DUE COURSE STATUS 134NOTICEFORREQUESTOF CONFIRMATION [ll 138NOTICE FORREQUESTOFCONFIRMATION [2[ 140NonCE OF BREACH OF AGREEMENT 142NonCE and DEMAND FOR FULL DISCLOSURE 145PROOF OF MAILING and CERTIA CATE of SERVICE . 148

Acts, Statutes, Regulations, Terms 150Excerpts from Tom 's first book 154..... "Un,


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DISCLAIMERPeople reselling the Top Secret Banker's Manual and books oneand two may offer consulting services and/or other products.Please be aware that Tom Schauf has no partn ers and that anyone you contract wi th for consu ltations or other services is act ing as an independent agent. Tom Schauf ha.. no control overwhat other people offer you as consultations. comments, advice, information or products.Tom Schauf is not liable for whatthese others may offer or the results thereof.Th is manual is for educa tional purposes only andnot legal advice . Tom Schauf is educating you su you mig ht vote him in aspresident to correct the problems.

ForwardInthe forward 10Tom 's second book,TheAmerican Vmers Vs,TheBank

System. Tom says, "I know God cal led me 10 ge l the banking message UUI IO the nation. I J o nOI clai m to do this from my power but ratherfrom the authority, power and provision of Goo 's anointing in my life ."Since March of 1998, I began reading Tom's books and listeni ng to hisaudio tapes, and frequ ently heard Tom on shortwave radio as I tried tolIef alternative news about what is really going on in this country. After

Tom's information bymy own research. and participating inTom's weekly conference calls, it became apparent thai it was time forme 10take an active part in assisti ng Tom in his calling .In a recent phone call with Tom, he wondered why he had been missingsome important financial exchanges in his most recent venture. He realized that God wan ted this Manual completed firs t ! It appears 10 me thatGod is ready ~ to begin the fulfi llment of the Vision described inHabakkuk 2:

Then the Lord answered me a nd said, " Rtrol'"d th f vision.and inscri be il on tablet s, that the onf ,,"'hQ I'"eads it Dl a) 'nm. For it is ]'et for the appo inted lime; it hast ens towardthe goa l, and it will not fail. Th ough h tarrtes, "'ail foe it ;fol'" it will certainl)' come. il will nol d ela)"n .Behold the proud one, his sou l is not right withi n him .. .Will not aUof th ese lake up a ta unt-song against him . evenmockery and insinuations against him. a nd sa)', Woe10 him"'ho increases 'l4hat is nol his for how long- and makeshil11st'lf ri ch with I..!:ulm? Will not )'our rrrd ilors rtse up DHl:1knb:.. and those who tD.1J.ttl from lO U awaken? Indeed, youwill become plunder ror them . Becau se )'ou have lootedmany nations. al l t he rema ind er (remnant} of the peoplesmil 100' you - because of human bloodsh ed and violencedo ne 10 the land. to th e town a nd a llits inhabitan ts." (ll ab2. 1-4.6-8 NASV)


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Is the collapse theWorld Trade Centerand the collapse ofEnron - bothmajor financial powers inAmerica - J US! a coi ncidence ? Or is the Liv,ing-Crearor allowing these events to occur 10 prepare the way for His"Remnant" to spoil their financial "Slavemasters" - just as they spoiltdthe Egyptians before they left Egypt? Certainly the credibility of ~certified public accountants and audi tors has suffered a major bln......Americans are beg inning to realize that they need to demand a hFUUDISCLOSURE" and a ''COMPLE'ffi ACCOUNTING" from those whoare supposed to be protecting thei r financial, a.. well as political, inter_esrs.So the timing of this "Secret Banker 's Manual" from Tom could nothave been better! Perhaps this is part of the fulfillment of Isaiah 41.15:"Behold. I have made you a new sharp threshing sledge l'fnstrumem" .KJVI with double edges : you will thresh the mountains, and pulverizethem, and wi ll make the hills like chaff. " (NASV) Since day's slaveryis mainly accomplished by written contracus and laws of men (paper.workh . this "instrument" mostly likely is a "paperwork" solution _ usingBabylon's own pape rwork sys tem against them . "Thou shalt go toBabylon [its statures - uce.USC, CFR); there shalt thou be' delive red"(Micah 4. I0 , 16). "Th ou dids t pierce with his l.l.Wll spears the head of histhrongs" Habakkuk 3.14 NASV) .Just how important is it that we act on this Manual. and tell our friendsabout it? Micah 6 shows that God is angry with us for l l i! l doing something about this financial cas te system. and will s tr ike us down withsickna s and poverty unless we act to expose and correct this fraud andinjustice . Notice Micah 6.1 , 2.10-16 (NASV);

Hear now what the Lord is sa )ing . I..islen, you mountains.to the indictment Df the Lord . . Because th e Lo rd has a case3i:ainSI ll is People. ..Is there Je t IIman in the wicked hou se. a long wit h treasuresof wicked ness, and a short measure tha i is cursed ("abominah le" - KJV]? Ca n I j ustif)" wicked scetes and II bag o fdeceptive weights? For the r ich men of the city ar e fu ll of

-spt'ak lies p- breecb contract" Strongs' 8267], and theirtongue is deceitfu l in tbet r mouth.So also will I make )'ou sick, striking )"OU down. desotattnglOUbecause of )'our sins . You Mll eat, bu t you will not besa tisfied [not enough to ee t tl . ) 'OU will sow but you willnot reap (slu t ' l")!) .. . thererore, I will give ) 'OU up for destruction.

Let' s pUI it this way .. . since the Remnant is prophesied 10be doing thisWork of "spoiling the moneymasters" , if we are NOT involved doingthisWork. then WEARE NOT PARTOF GOO'S REMNANT! So saysHabakkuk 2."Arise and Th resh" (Micah 4.13) is the enlightened "battle cry " of thisRemnant, consecrating the gain and substance 10"the Lord of the wholeearth"! Those who are part of the Remnant are nOI selfishly focused on"going to court 10 ge t out of their own loans" . They are focused onGod's end-time Work of correc ting the :system by remoying the fraud.,enabling everyone to have fuJI djsclosure and equal protectjon under thelaw, so thai no one is damaged by theft or counterfeiting, which debasesthecurrency. The Living-Creator cares for all peoples on the earth, andhas DO pleasure in the death of anyone (Ezekiel 18.32). l ikewise. weneed to care for eyeo on


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the disintormauon and mi"in formation tha t abound" in tcday's "cio;lize d" and "enlightened" world about creation versus evolution, and thewars and exploi tation that occurs in the name of "religion" (see artlctabout this at http://freedomnews.comJevo lution.html). I can onlythat you be open 10 the possibility that a Living-Crea tor does exist, andto be tolerant and res pectfu l about our co nvictions about this. even as Webelieve in a Creator who is aGod of Truth, Trust , Courage and Freedomand who respects everyone's free moral agency. 'Habakkuk 2 declares a Vision of a spiritual Remnant of God 's Peo ple ofall nationalities rising up suddenly as creditors to collect what was S!Q:;lenfrom them by the deceitful in tern ational moneymaste rs of this end.Lime generation. It is a Vision " for an appointed time. .. that willmtainly come: it will not delay: ' It is prophesied to occur before the Creator re turns to the earth . Those who read it sho uld "run" (not procrasu.nate). We believe the "appointed Lime" ~ and that, by your read ingthis Manual , you will have an opportunity to become apartof thatRem.nant, with all me glory and credi t for what is accomp lished going to theLiving-Creator who makes all things possib le.Douglas-Raymond.Stehling

Acknowledgments

Thismanual will presume that you have read Tom's banking books Volume I and 2. Tom obtained a secret banker 's manual from one of theheads of a majo r university who wan ted to expose the bankers . Tomthanks this person who wishes to remain anonymous. To get this info rmation could have cost the person the ir job . Th is person spent $I,OOOsto get this in formation to Tom and they made it a gift to Tom. So I askeveryone to thank this one person for making this sacrifice to the nation .May we use the information in a responsible way. No one was 10 obtainlhis secrel banker 's manua lwithout written permission from a bank president. This manual will reflect what Tom has read in the secret banker 'smanual and expose the truth. Tom wants to make it very cle ar that theGod of the Bible is the one who instruct ed Tom to expose the bankersand set the slaves free from debt and bon dage . The Christian God is theone who gets the glo ry for the work that has been done . God is the onewhobrought the right people together to make all of thispossible and tohappen. This nat ion was founded under God and there are people whowantto kick God off the throne .Godwill never be kicked off any throne.One day everyone will be j udged by the God who created the universeand Tom believes there is a special hot place in hell for the bankers andtheir agents al lowing the injust ice. Tom sees clearly the hand of God inallof this and how God put it all together.Tom publicly thanks the ChristianGod for His mighty hand in putti ng a ll of this toge ther to expose thetruth about the real bank loan ag eement. Tom wis hes to acknowledgethe people who develope d the lD computer card in 1984 and exposed itto Tom. Tom wishes to thank the bankers for the secret bank manu alexplaining wha t to do in coun . The secret manual let us know that if wedo certain things in court, the bank has seriou s problems. Tom thanksSome of the biggest bankers sec retly working with Tom to expose thei rOwn banking system hoping for a change. Yes, they told Tom that if theypUblicly support Tom , they might bekilled. Tom has had secre t top gov

m ~ official s in top places helping Tom and Tom thanks these braveJndlvldual Th .s. esc banke rs are scared of the 10 and how It would controlyou. They want us to win and are scared to come public until we get theVoters on .. our Side. The government and ban kers let Tom know that theyneed the suppon of the voters to make it happen: so let's help and make


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it happen and save America from enslavement . We thank President Bushfor confirming our rights of freedom of speech.Tom also wishes to thank many others who have selfless ly contributedresearch, time and money to this e ffort over the past 10 years . and keptthe flame of "Bankftreedom.com" alive. And special thanks to Doug at"FreedomNews.com" for he lping with this Manu al. and for creating"BankFreedom .Bravepages .com" ~ our new "replicated website" withits Member Forum so we can more easi ly protect. share and leverage thelatest secret in formation among our group.

IntroductionIn the ear ly 1990s Tom Schauf learned that the European families privately owned the Federal Reserve Bank. When he heard this he knewthat the bankers had to own and control the Congress, j udges and themajor media. He knew that they controlled the money supply. allowingthe bankers to determin e in advance what percent of the people wouldbe foreclosed on, if the stock market would go up or down and what theinterest rates would be. Tom did not want to get involved. Several peoplegave Tom a book on the FED and hedid not wan t to read it.The se peoplekep t callingTom to see if he had read the book. Finally, because of theirpersistence, he read the book. Tom felt thai the God of the Bible hadca lled him to get the truth out to all Americans. In one and a ha lfyears,he got out 2 million brochures exposing the banke rs. These were brochures made on photocopy machines. not e-mails . Back then. few peopl eeven owned a computer.Three months after he began getting out the brochure s, he took a trip tothe Smoky Mountain s and the cook in the res taurant had received a brochure two weeks earlier. People were copy ing the brochures and givingthem out to everyone. These brochu res generated so many telephonecalls Tom could not even work, so he had to stop the brochures. Thenpeople told him that local banks created new money. He did not believeit because that would violate GAAP (Generally Accepted AccountingPrinciples) - the matching principle - and he knew that CPAs audited thebanksand what standards of GAAS (Generally Accepted Auditing Standards) and ethics must bemaintained. To prove to the world that loca lbanks did not create new money. he asked his students that he taughtCPAcon tinuing education .All the bank auditors confessed and admittedthat it was a secret. They even to ld him how it was done . Armed withthis information , Tom showed a few people, resulting in abo ut 20 peoplegetting out of their house mortgages. Now the telephone calls beganpouring into Tom's offi ce requesting information. At this time peoplebegan using this information with credit card companies.In 1996 Tom moved to Tucson to get away from all the telephone calls.He asked eve ryone to stop calling for a year so tha i he could write thebanking books. It took nearly 3 years working 12 hours a day, 6 days a


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week 10write the books and make the cessene tapes. Now we have founda secret banking manual that is onl y for the internal bank office rs ex -plaining that. ifth e bankis sued. and if people see the secret laws in thissecret bankingmanual. the bank wi ll lose in court.If we can get out 2 mil lion brochures in one and a half years, think howeasy it will be to get out emalls and have IJ )()(),s of websites exposing it.Voters are wi lling to become campaign workers if they know what theplan is and if they know that we can win . We can win and we are win-ning. It is now t ime to stand up and be counted and inform American sabout the truth . I f we gel 100 people to hOSI a website. soon it will be200, and the n 400. and then MX}. and then 1.600. and then over 3,Om,and it keeps growing. I fwe have even I ,(XX> websites and eac h one getsout H)(}() emails, one million voters will be informed. If everyone gotout emalls and the ir friends kepi il going . soon millions of voters wouldjoin us. When we have len percent of the vote rs, everyone will jo in us.The popular thing III do will be to jo in us .We fought the Revolutionary War over the same banking issue. Th isfight will nor be fought by bulle ts but by email. websltes. books. thesecret banking manuals and votes . If you do not joi n us in this fight forwinning the vote. the bankers will go to a national lD card and enslaveyou all the more.Tom talked to the people creating the ID card in 1994. These peoplewere scared. Th ey said that if they ever institute the lu. the government!bankers cou ld track every money transacti on, track you by satellite andhave absolute tota l control over you . The Government will say. "I f youhave nothing to hide . why would you care?"They forget . Ameri ca is theland of freedom . not Gennany ' s Gestapo or Russia' s KGB . Show meyour papers... and if you do not, you go straight to jail.They are lookingfor exc uses to implement the ID that they began research on nearly lenyears ago .They planned 10 do it-now they just have 10 talk the popcla-lion into it, Let us tell the voters about the banking and what they havedone to us and the voters will vote out those who want to enslave usthrough the banking and !D.TIme is running out and we need your help.Jo in us while there is still time to make the change for freedom.

The Arizona Dai ly Star, June 9. 2{WJ2, pg. AU reponed how RonaldReagan used the CIAlFB I covertly, and unlawfully tried to Stop politicalfoes per federal judges . If the CIA/FBr attepmts to threaten politi cal op-p?nents, what would they do if they had a nat ional !D card and youdiffered from them politically'! CINFBI psychological warfare was usedagainst political opponents. Imagine the contro l that they wou ld havewith an !D card. tracking you by sate llite, knowing where you are 24hours a day, everyone you talk to and everything you buy and sell. It iscalled total and absolute control. making people fearful of free speech.The KGB and Gestapo would be proud uf our lawmakers. President Bushwants one milli on government informants.Thai isone informant for every240 Americans. This would give the U. S. a higher percentage of infor-mants than Eas t Germany had using their dreaded STAS I secret police.They'U bewatching YOU.On 9/11101 , they got us to wave the flag as President Bush took awayour rights . How stup id are we? The mainstream media remained silentabout the nume rous eyewitnesses and expert s, including news reporte rson the sce ne, who. seconds before the World Trade Centers W Tlapsed. saw and heard explosions near ground level which brought theWTC down.Thewrc was designed to withstand the size of a je t thai hitIt .Ask a demolition expert and they will tell you lIlal a building like thatshould fa ll like a tree. and not straight down . without ex pert demolitionteams. Demolition experts e xplain that it is very difficult to bri ng downsuch large lowers without them falling like a t ree . NO! one, but two tow-ers fell, as ifexpert demolition teams brought them down. The 1V showedwhat appeared 10 be large explosions near the ground j ust before thetowers co llapsed. Van Romero, an explosives expert and forme r directorof the Energetic Materials Research and Testing Center at New MexicoTech , said on 9/1 1. "My op inion . based on the videotapes. is that afterthe airplanes hit the WTC there were someexplosive devices inside thebuildings thai caused the towers to collapse." In May, 2002 we find thatBush was informed of the threat prior to 9/ 11. On May 23,2002, Bushopposes an independent investiga tion of the information Bush had onthe terrorist threat prior 10 9/1 1. I f he has nothing to hide, why did heStop the independent inves tigation. Prior to 9/ 11. Bush's ratings werelow. After 9/11. Bush's ratings went up.


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Let us use our heads for one minute . If it were terrorists, wouldn' t theywant the building 10 fall like a tree dest roying othe r bui ldings'! Many ofthe top executives thai had offices in thewrc d id nor come 10 work tha tmorning. It is reported that 50,000 wor kers did not show up to work thatday. One ch ild in school announced the collapse of the WTC a few daysin advance . Many people were shorting the stock marker. especially air-line stocks. bet ting that the stock market wou ld go down thai day. Sowhat is the deal ? There is a huge deposit of oi l in Afghanistan. Did theyhave 10 change governments in Afghanistan to get the oil? Is it a ll aboutmoney. greed and control '?Remember the oil fields in Kuwait?An Ameri -can ambassador told Iraq just before the invasion that the U.S. would nothelp Kuwait, there by giving Saddam the gree n light to invade . Then theUnited Nations was rallied to counter this invasion .Why'?Was il to givevalidi ty to the United Nations'!Wars are very popular.They he lp get you e lected . You need a War to lakeaway American rights. They got us to wave the flag and say nothing asthey took away ou r rights . You have to admit they are very slick. Forthem to pull it o ff, it takes Americans to belie ve every thing the boo brube says to get the job done. This is why we must wake up Americanson banking. The thi ng we can prove and the one thin g that everyonecares about, is MONEY. Nearly everyone is in debt and they want ou t ofdebt . When they wake up on lhe money issue . they will wake up on thehealth. United Nations, education , drug s. guns and the other issues .There are people in government who have an agenda 10 take away yourrights and your wealth . They are looking for eXCL>eSto get the job done.We need honest people in government. Please help us by getting out theemails , hosting the website and se lling the books. The bonk sa les helpfund US to save this grea t wonderful nation and government. We jU>1need honest people running lhe government. We need vote rs to switehfrom government employees repre senting the banke rs, to represen tinghonest freedom lovingAmericans. Saving America depends on you. CANWE COUNT ON YOU TO HELP US GET THE JOB DONE'? If yes.then contact us to get your website up and ge t OUI the emails and he lp usget the books sold .Whe n peo ple read the books. mey get angry and joinus. Thank s in advance for your he lp. Together ,we will get the jo b done.This could be our last chance to get thejob done so let's not waste time.

About the Authorm Sc hauf has a diverse background. He has written two books

r e ~ e the banking sec ret from the viewpoint of a CPA court expertwitness . ~ from Northern Illino is Universi ty with a Bach-

~ r o f With double majors in accou nting andfinance .After gradu-anon. he o r k e d as a sta ff accountan t for Motorola. He worked for am ~ Certified Public Accounting firm, owned and operated his own

bro kerage finn and Certified Public Acco unting practice . Overa period of near ly ten years, he has testified in a number of cases as an

W i t n ~ in business valuation, and bas taught the arts of businessvaluation, business acquisition and negotiations to buyers. CPAs and law-yers on a na tional leve l in colleges and major unive rsities. He has taught

~ d tho usan ds of CPAs the art of va luation and nego tiations inhIS copynghted cour se designed 10 meet co ntinuing ed uca tion require-ments. H.e has been a controller and head of purchasing and personnelfor a .maJor manufacturing company, He has been a real esta te brokerand aircraft flight instructor (CA l).


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About the !\Ianual Its PurposeTom has received telephone ca lls from many people claiming 10 have had lTM Icard zeroed OUI or mo rtgages canceled. Some people have claimed tha i tnebankers offered 10 cancel half themortgage or all o f u in anetTOI1 10 ser ne whileasking the borrower 10 sign an agreemeDl00110 lell anyone thai a semeroerawasreached.MOSl all of this was done in sa:rel. People and lawyerswant a COUI1 C&.'Ie 10fax around stowing success and that mighi lle the rea..


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me money to the people mat wou ld change politics and vote out thebanker-paid politici ans and judges . Congress immediately changed thelaw and the 1,500 court cases got thrown out and the people lost. Remember that about one third of Congressmen are direct ly related to thebankers by birth or they receive money from the bankers. The big bankers have boasted to Tom that the banke rs' money con trols both sides ofthe election and also controls the major media through loans, advertising money and direct ownership. Bankers simply remind thepoliticiansthat if they do no r cooperate with the banke rs, the bankers will heavi lyfund the politi cian 's opponent during the next e lection. The same bigbankers told Tom that if we organize and get the American voter awakened to the truth , theAmeri can citizens would win the e lection and changethe bankin g sys tem. So it is up to you to jo in us in an organized way 10win and wecontrol the laws and who is elected. CongressmanTrancamspoke out against the bankers. He called the IRS (the collection age ncyof the privately owned Federal Reserve Bank) a bunch of thieves. Nowhe is going to jail. He said it was selective prosecution and a conspiracyto put him in jai l. On natio nal TV j uror LeeGla..r said . "No doubt gOY-emment was ou t to gel Trafi cam.v'Trafi cam was an example to the members of Congress not to speak out against the bankers . On Friday, 3n 103,The Tucson Cit izen had an article about how the FBI had a practice ofmisleading j udges to get search warrants and arrest people. This is whyit is so important to get ou t the brochures and wake up every Americanto what is going on. You can he lp by hosting a website. get out emailsand wa le up hundreds of Americans . As we ge t 1000s to host websitesand work to save America. we will get everyone talking and wanting 10be deb t free . Going to court is not the so lution. 11 costs muney and takestime . Help us in waki ng up Americans to the tru th so we can use theAmerican way to change things . We have the best governmenteve n withall the flaws that need 10 be changed. We have the vote . It is up 10 us tocreate the fertile soil fur change. CAN YOUTRUSTANY OF THECUR.RENT GOVERNMENT LEADERS WHO KEEPTHE SECRET, WHOFORCE US INTO DEBT. WHO FOLLOW TI-lEIR MASTER _ THEBANKERS - WHO WANT TO GO TO A NATIONAL ID CARD TOENSLAVE YOU AND TOTALLY CONTROLYOU? Join U" in savingthis nation from the bankers' agenda before it is too late .Instead of suing the bank in !,.ourt and spending all that time and money.use your time wisely and get out the infonnarion, by helping us get the

books and manual sold so that voters understand the truth. Instead ofsuing the bank, use the banking sys tem to your advantage using cornpUler programs in inves tments 10 qu ickly increase your wealth . Somepeopleknow how to get 50- 100 percent profit a year. Some can get thaiin one week. It is more profitable by using your time wisely makingmoney or changin g the laws by the vote instead of suing the bank. Thesales help fund our organiza tion so thai we can save Ame rica. How canthe judges and politicians go agai nst 120 million voters? The moneyissue always wins the vo te. It is up to you to help us reach our goal ofhaving eve ryAmerican read Tom's books and use the VO le to correct theproblem. We need a cl ean sweep Il.1 sweep out the banker 's polit iciansand judges and to vole in real freedom lovingAmericans who will honorour Founding Fathers quest for freedom and liberties. The voters mustfirst leam what the real issue is and that is banking.As Tom was writing this manual. a doctor who wrote another bankingbook took Tom 's confidential information .Th is doctor signed an agree ment to keep Tom ' s Information confidential.This doc tor took the confidential information. put on a seminar to about 100 people and chargedthem S600 each for the seminar plus $ I ,OOJ for other materials that werefor sale. Several other organizations stole Tom 's information afte r signing agreements to keep the information confidential and then breachedthese agreements only to charge SI ,()(X)s or more for the same informalion given in this manual .Some of these same organizations give legal advice or para legal he lp.One person, after signing an agreement to keep the information confidential. won a court case, breached the agreement and then began charging people 510,000 for the information. The people hosting thewebsltesknow who these people and organizations are . These same people andorganizations lie to peop le in order to get their money. Please be carefulbefore paying these people one cen t. Please warn other Americans snthaIthey do not get involved with these people. People who breach signedagreements cannot be trusted.Do not tr ust people whohave a track recordin using deception and lie , be it a politician or someone who is trying tomake a fast dollar getting you out of your loan . Some deceivers eventried to claim that they were partners of Tom and they were not.

manual is designed to stop those who breached past confidential~ m and from over-charging people. Infonn ation thai was kept


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confidential in the past that cost between $300 and $ J,200 or more isnow here in a manual .The idea is for people to buy this manual and notpay the deceivers who broke the agreements with Tom. Yes, mere are afew honest people charging that gel inside information from Tom . Yes,people need help. I f the banker wrote me agreement, have them explainit. They refuse to explain it so how can there bean agreement? Let thevote rs know the truth so they can VOle to fix the problem.For the record, Tom neve r read the book DEBT VIRUS by Jacques S.Jaikaran, 1995.Tom understands that Jacques claimsTom read his bookand gOI infonnation from his book for Tom 's book. The truth is lIlalDoctor Jaikaaran signed an ag reement 10keep confidential the information that Tom developed. Tom has copies of the agreement and signatureon-hand. The confidential in formation was on making an offer to discharge the debt with the condition tha t the original agreement was notaltered and that the holdero f the promissory not e is the true owner andthat the bank return the origi nal promissory note unaltered plus otherinformation . After this agreement was signed , this person gave the information at seminars . Tom challenges the author to prove otherwise.Thi s information originated from Tom as proven by the signatures .Theonly point Tom is making in this case is thai Tom never readhis book. assome claimed. and that Jacques signed an agreement to keep information confidential that was developed byTom. Later, this same derivativeof information was sold at a seminar. Tom is nor claiming wrongdoingof Jacques , Tom is claiming thai Jacques gOI the informa tion from Tom.The point is that Tom developed the information as proven by the signature . Tom wan ts10keep the record straigh t and stop those who are try ingto use deception in this matterclaiming that the opposite occurred. Compare that information 10 that in this manual and you will see additionalinformation in this manual that is not taught at that seminar prior 10 thismanual being printed, Tom thanks the author for exposing the bankers,Expatriation. changing court j urisdiction. is no t new. Tom j ust wan tspeople to know that he created the origi nal information and did nOI copyit.Sunday. March 23. 20{)3The Arizo na Daily Starreported thai the House of Representatives passeda bankruptcy bill . Now you cannot easily write of f yourc redit card deb tin Chapter 7 bankruptcy. Now they want to garnish yourwages over five

to pay of f your credit cards. You gue ssed it. The credit card com-~ ~ . ' ' l lbe, . ' wrote that law. I predict that credit card companies WI more~ ~ ,. h .l' ffId to collect and tell you that if you have unpaid bills al l ree ut erent: ~ i card companies, they will force you into bankruptcy. So payorelse,1ltis is why you must learn to use investments 10 your advantage andearn more money. Earnmore money and stay out of court.

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Chapter 2 Cour t Stra tegyThe bank-t rained lawyers are experts in co urtroom procedures. Remeber, it was the bankers' U.S. Presi den ts who got through the 1 'Tad.ItIWith the Ene.my Acl" and the Emergency War Powers. The U.S.emment and I t.. leaders ~ l a r e the U.S . Citizen to beme enemy. 1'hix

~ must a license 10 trade with the enemy (you). The SOl.diers (po lice) require tha i you havea driver 's license . The soldiers margue mal could bea good thing to get blind people and drun ks off ~

and keep people unde r control. The court has a mili tary flag tlyin10 the Courtroom. The gold fringe nag makes it a mil itary court . Theallows the victors , bankers and the government agents working for !hebanke rs, to plunder the enemy (you ). Now do you unde rstand why the')'want 10 all me gu ns? They want to disarm the enemy. You no longerhave a right to own a gun under the Consti tution They turned th . h . I: U e n g ta pnvlleg e. that they control by license. They fea r that me enemymigh t commurucare and realize that war has bee n dec lared on them andthe war allows .the ban kers to ereale money 10 plunder the enemy. Thesecret weapon IS the money creation in a silent war 10 plunder the enemy you. They want 10go to a national 10 ca rd so that they have Iota!control you . The ID ca rd al lows them to tra ck you 24 hours a dayby satelli re. You cannot buy or sell without the 10 so they can controlyou. Delete your ID card and you cannot buy food to eat. Get the idea ofthe terrorist talk. Using the terrorist police power s, the government has~ abused against that peop le they do not l ike .They saytf you have nothing 10 hide , then you do nor care if we use the 10. h is all

a ~ l U t power and control. Do you trust them after they d id what they didWith the banking ! Do you trust anyone who wages war agai nst you 10you? The propaganda medi a is there 10 talk you into willing

gomg along with their agenda .They cannot fight 120 million voters whoNO. If you were a Congressman or j udge and getting all that money

from tbe bankers to get e lected and personal Investment money, whyyou change the system unless the voters al l wake up and say enough

Is enough'!The key to winning in court is he lping us inform everyAmerican voter and using the vote to correct the problem and end the war.Expos ing the problem forces the problem to be co rrec ted.

22

\l1 court. you can not use the Constitution. or say the y .lent credit so\'llU do not have 10 repay the money. The banker and Judge wi ll try andyou to agree that you have a signature on the ag reement. thaI.the

bart"- lent money to you and therefore you must repay the m o ~ e It thejudge says. is that your signature. some pe ople say. " It looks like a maslerful forgery. I do not understan d what this document is. Can you stipuwe if this promisso ry note acts like money or money equivalent used torive value to a bank check? Can you stipulate al l of the material facts

the promi ssory no te or what the agreeme nt is so I know what it isthat my alleged signature is validating as to the agreement. I do not unJer.>tand in the agreement if I provide the capital or i f the banker does 10fund the check . I cannot testify if something is my signature if I do notknow what is agreed to in the alleged document." When the judge demands that you say yes or no. some pe ople say they will answer whenyou explain what the agreement is . How can you testify 10 somethingmat you do not unders tand and they refuse to explain? Some respondsaying it looks like a forged document 10 me with concealed material s.If you agree that it is you r signat ure . you lost the court case. Your signature means you agree that the bank lent you their money and that youowe them your money. The judge may demand tha t you say that thebank lent you money thai resulted in your purchase of a house or car.But, if you agree that the bank le nt thei r money 10"purchase" your promis.smy note . then you are testifyi ng that the bank violated the law + GAAP.Per GAAP and Fed eral Rese rve publications , IWOloa ns were ex changed.You lent the promi ssory note to the bank that funded the loan back 10you.The loan from you to the bank is the deposi t of the promissory note .GAAP requ ires thai the ban k "match" a new bank liabilit y with yourname on it showing that the bankowes you for the deposit they acceptedfrom you ju st like they do when you depos it cash into your checkingacc ount The banker know s as we ll as the judge that when you depositcash in to your checkin g acco unt, you lent the bank your money . I f youwithdraw your money, the bank lent you nothing. Th e fon n co ntractsays that the bank lent you money. bUI the substance - bookkeep ing entries + say that the bank accepted your promi ssory note as new money asa depos it just like depositing cash into your check ing account . Your signat ure cannot tes tify thai the ba nk lent you the bank ' s mone y to purchase your promissory note, butthe bookkeeping entries prove that theylent nu money 10purch ase your promissory note . If you lent the bank

23


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money a" a deposit. the ban k. .accepted money from you, the bank nevergave up one cent of the bank s money. The bank accepted money frdd ited i bicb i { Jil lyou an eposrt II. W rc IS the opposite oflending you money. If YOu

lent the bank money and they returned the same value back 10you.""oans were exchanged or they sto le your money. The bank chanerquires the bank to follow the law - GAAP. Y(lU can presume the

m follow the Iaw ' " the contract is an illegal contract. The contractsaid interest. WhICh IS defined as the charge for the use of b o r r o w ~money. We can presume thai the party who funded the loan is to be",paid themoney.The bank claims that the form says that the bank fundedthe Joan and should be repaid the money but the bookkeeping entriesprove me oppos ite . Did the agreement say that the bank was to steal lhepromissory note. alter it to become money. and then return the stolenmoney as a loan or did the bank use their money to purch ase the promissory note from you without the economics similar to stealing and COUllterfeiung and swindling? The bankers hate it if you claim that the notewas stolen and forged.You have to have a damage in court to win. If it is stolen, you can claima damage. I f the hank violated GAAP. then the CPA audit is a fra ud andthe hank management and CPAwill go to jail and the SEC can go afterthem so they cannot say that they did not follow GAAP. If they fol losGAAP. we know what the bookkeeping en tries are and they did the opposite to what you unde rstood the agreement was to he. You only careabout the agreement. You only care about GAA P. You only wan! them toexp lain the details of the agreement they wrot e. You want the originalpromissory RO Il' back to see the stamps to see if you are payingthe properpart y endorsed on it.See VCC 3-302.Adequate assurance of due performance vee 2-609 is for the sale or purchase . I f you demand adequateassurance of due performance, the other party must give assurance in 30days or the deal is of f for purchases . The bank will try and demand thatthis does nOI app ly 10 them . I f they do this they adm it that the originalalleged lender never purchased the note from you.

le i us presume thai they purchased your note using GAAP and did nOIsteal it. It is nut a gift 10 the bank without your knowledge. The vcesays that no title passes with theft . This is where people use thissponse to suggest that the bank knew that the note was stolen. with ml

24

'ideration given tt l purchase it from you. No cons idera tion was given~ " n s uired by the UCc . Thi s has scared bank anomeys telling their bank" "" nOI to respond. The banke rs' own secret, inside manual explained, hen . .d in the factum, vce 3-305 . This means thai the party who did not~ e (he agreement had no reasonableo pportunity 10 obtain the knowl :e of the terms. This is why we wri te the bank notices requesting inf\lJl1lalion on the terms. The y refuse [0 tell us who was to fund the loan,hepaoli. or the borrower? Did the ban k followGAAP? All major banks

an annual stock report that a stockbroker can ge l for you showingthe CPA audit opinion stating that the managemenl and CPA agree thaiGAAPwas followed. was it the inten t of the agreement that the party....ho funded the loan is to be repaid the money? Do you see how thellank must conceal the truth? Imagine the bank advertise saying. "le i ussleal your money and return it 10 you as a loan ." Who would agree tothis? They must make you believe that they lent you other depositors'money. making you feel thai you have an eth ical duty 10repay the loan .Read vec 3-302 10 3308. Holder in Due Course - real de fenses arefraud in the factum , material alteration and stolen notes. See persona)defenses are want of consideration and fraud in the inducement. Theymay have changed the Holder in Due Course part of the uec so beadvised. The stolen I forged I concealment part of the uce should reomainthe same. They exchanged one k ind of money - promissory note-that was deposited for another kind of money called a check. The checkacts like money per the uec. The banker will say it is an exchange ofwhich you must pay back I(Xl percent of the money exchanged plusinterest. The banker will say that they do not have 10 pay one cent oftheirmoney Ient to you to buy your promissory note . I ask what does theagreement say that they wrote?Why would the voters allow the exchan geofmoney for money and then you have 10repay the money plus interest?Ignorance is the answer. If voters knew the truth and understood how thebankers got oearly all the money and wealth for free and control thelawmakers,j udges, police andmedia, we would change the bank ing system to follow Presidents John F. Kennedy, Abraham Lincoln. ThomasJefferson. Andrew Jackson and l amesGarfield.The banker has problems answering the admissions that we have. Theycannot explain the agreement. The bank attorney will say, " Interestingtheory. this is the way it works." They cannot ex plain if they followed

25


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GAAP, nor i f the in tent of the agreement is that the party who fundedloa n per GAAP (the bookkeeping entries) is to be repaid the money,They cannot explain what is money per the agreement. Never ask forlegal definition of money. Only the judge can discuss that. Ask,"Wh:q

m o per the agreement?" They call an exchange a loan. TheyOWing money. money. and then they say. "So what, you got the rnoWe return that argument and ask "According to the agreement, didbank use the promissory note ali money or money equivalent or capito fund the loan ?" If you deposi t cash at the bank , how much money tlthe bank loan you when the cash was deposited? NONE. You lent iQbank money. Rep lace the word cash with promissory not e and yoU'the exchange; the bank merely acted as a moneychanger and h ~you as if there were a loan . Two loans were exchanged . You must ~the loan and the bank never has to repay the loan from you to the baillThey conceal the loan from you to the bank. creating the economicsimilar to stea ling. counterfeiting and swindling. An agreement memutua l understanding and no concealment.We are always happy to repay the loan . j uste xplain the details so thatvoters will know how 10 vote . If voters believe the big lie , you willenslaved in deb tand your wealth goes to the bankers for free . It is our10b to tell the truth to the voters. Have the judge admit that the econoics are similar to stealing. cou nterfei ting and swin dling and that is howworks. Le t the voters vote out that judge next e lec tion or vote out ~Congressmen and President who allow j udges to den y us equal prolf(tion under the law and use concealment to kee p the true economicsNthe bank loan a secret. Vote in Tom Schauf as Presi dent and he will pUI i;honest judges and co rrect the problem .If you were on the jury and someone claimed the bank stole the promi-sory note and returned the value of the stolen property as a loan, y%would wonder when the banker can not explain. The promissory nolebelieved to be forged and there is fraudu lent concealment und fraudthe fac tum with unjust en ric hment obtainin g the promissory note ti tfree. by violating GAAP. Fraud was committed by misreprese nting thillthey would foIlow the law and GAAP and they did not fo llow GAAP.The GAAP discussion forces them to disclose the actual bookkeepin$

26

.. . ' d that the borrowe r funded the loan 10 the same borrower. I fe n l r l e ~ ower provided the money. why are we paying back the princi ple". bO""I.... . rest to a party who refused to loan the money that they adver-.. th f d . th iderati" : ' ~ thaI they would loan and en re use to give e co nsi eraucnu . d? If I len tyou my money. you should repay the loan. I f I stolerom lsl' . .p oney and returned the value ot the stolen property to you as a

y ~ u r I conceal the theft and did I perform as promised? Th is sto len\ t ~ ~ \ changeS the cost and risk of the alleged loan. Lack of considerac.tIO is a personal defense. No title passes in a theft per VCc. FederalaIJOk" "g law GAAP was violated. Use a CPA expert witness to confirmball tnGAAP. They cannot put up an expert CPA witness and answer our 600uesriOi15 . Then place in the admissions - admit or deny - which they:re nOllikely 10 answer, which might allow you to go to summary judg

men!.You had better really know law and co urtroom procedures or you canexpect 10 lose unless they do nor answer the lawsuit. Even ifthey do noranswer the suit, wi ll the judge sign off and allow you to win'! So undseasy, bU it is work. Do not expect the bank to le t you off the hook thateasily.Donorstop making payments or they will foreclose . Some peoplesenda new promissory note in the amo unt of the original note payable inthe same species of money or credit that the bank used to fund the loanperGAAP thus ending all inte rest and liens. Then they wri te loan payment checks payab le 10 the new note. If the bank accepts the checks,then you can have fun. I f they do not, you might claim breach of agreement. You tried to learn the facts of the agreement and they refused toexplain.Wewrite notices to learn what is the real agreement. When they refuse10tell us. we look at it as breach of agreement - concealment.People try and stay away from the word fraud . If you say fraud, youhave agreater bunlen of proof. You should instead lilly breach of agreemenr, they stole the note and you want it returned or for them to fund theloan.When the stole n property funded the loan, that is a breach of agreement.'(011 need to show that the bank never performed and never was ou t one

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Why do we keep talkin g about GAAP? It is the law. If they claimwfGAAP was not followed , they violated the law and theCPAaudit opinion . If they followed GAAP. they cannot claim that they do not knowwhat the bookkeeping entries are . The bookkeeping entries prove wholent what to whom. Two loans were exc hanged and we believe lIlatallborrower s should repay all loans giving each party equal protection.Webelieve that all the facts should be disclosed in the loan and not concealmaterial facts as to who provided ~ money to fund the alleged loan Who could argue with that? Why no t tell the truth . the who le truth, aodnothing butthe truth? If there is nothing wrong with the banking system,

II" op"f .. bankers have been te 109 peoter? The act IS, v.u' I >0It teUevery v . s and ou mus t repay the cans;her ~ : the can be repaid the money.

. 1. depoSllors the borrowerthe ('ju,er h Id be canceled becausetl\'Il .. uue . then all loans s ou GAAP and per the FederalIf thu> IS the same borrower pered the loan to .lund B nk publicauons.Reserve a . Whalworked last month. arantee ofa court win.

R e m e m b e r ; : today. U a friend won , , : ~ =isnotagu .. IStimeand money to go to COU . .._" you Will win. It cos 'Tbejudge might be afnud toIt t u' and the attorneys. ehavethe time, the m o n e ~ . not our friend. Tom believes thai yourule in your favOr. The d ~ e h ~ p us the voters to join us. The voters)}lould stay out of court anare the sure way to fix the problem.

t P the bank sum-. . The be!U. court strategy to s 0This is the key to w m ou is CPA Report copyrighted by Tommary judgement against y . ..... " -ourt admiss ions. You need the. ... bank uslOg lorn l.: kgcnauf and sumg tne ued or you sue the ban .CPA Report regardless of h ~ h e ~ ~ : n : e s ~ without personal k n o wLookat court procedures. The ~ h I give legal knowledge. see theedge, and a copy of the note ~ Ill)' Social Serve. v P.A.Q. 317follo....-ing court cases: Monmou. 1:;;8 see also : United States Bank-N.J.Super 187. 193-194App. Dlv. d ~ e b l O r June 30. 1993 Bankruprcy Court NJ . Investors and Len eruptcy no. 92-30754.

. F d alCredi t Union. Plain-SupremeCOUftofHawai i. Pacific Concrete Ie dr I AnnPlIanl No 6162" J SK anoeDe en an yr - .uff-Appellee v. Andrew . . au ' . th boOkkeeping entriesJuly 11.1980 1ells us that the bank must gIVe us e .deoce One cannol" " ank' . .de 'e is hea rsay eVI .Wth an af fidavit or the b s eVI enc .. h thi !1. and a CPA" th court Tom says Wit .enter hearsay evidence 1010 e .report talking abou tGAAP. the bank has a ser ious problem.. . f you sue. This way, theyIt IS best to not be behind 10 debt payments 1 CPA expert. . rtan t 10 use acannot foreclose and you can win . 11 IS rmpo .w itness using Tom' s copyrighted CPA Report.I " d the friends and more andf YOu got lCKI emails out and they emaile I f

Bankers have told Tom that the American people are too stupid to under-stand the bank loan agreement and bookkeeping entries and no one canexplain it in coun to a ju ry. Tum agrees, you need a jury and Tomthat a ju ry can understand it.

centand that the stolen property funded the alleged loan that was a ~of agreement. le t them tell you that the agreement allows them to sand crea te new money. Fraud in the factum - you never agreed that ysignature and promissory note was money to be stolen and reruIned 01$loa n.

Please read and studyTom' s two banking books for funher training.

Remember, we are defining stolen as the banker getting the promiSSc:r\note without spending one cent to purchase it and viol ating GAAP_ ~matching principle.The banker argues, "This is how it is done , you signed the m e n ~you got the money." We ask , "was the agreemen t al tered after it wsigned, was it forged?" We ask, "Did the borrower provide the t"apitalfor the loan 10 the same borrower per GAAP (standard bookkeeping entries )? Did you follow GAAPas required by law and the CPAaudit opinion? Is. it the intent of the agreement that the one who funded the loon ~GAAP is to be repaid the money? Were material facts concealed?Mi.Banker. do you understand this agreemen! and who was to provide th6moneyor funding for the loan?" They cannot explain the agreement thatthey wrote and that they are tryin g to enforce.


16/75

o ~ l e put up our website and distributed the books. we couldqu ickly Wi n the nation before iris too Iale. lf everyoneSlopped and wem

we cou ld lose the nation and governmen t we love. We have lheright to replace the employees cal led politicians us ing the vote bUIWeneed your help to ge l me job done. PLEASE JO IN US IN SAVINGAMERICA AND TI lE REPUBLIC WHICH STANDS. ONE NATIONUNDER THE CHRIST IAN GOD OF OUR FOUl\'DING FATHERSWITHUBERTIES ANDJUSTICEFORALLAND EQUALPRaTECTION w JUST ~ G . r r AND MEASURES. II is our jo b 10 gelevery American talkin g so America will be safe for a ll. AMERICA'SRITURE IS INYOURHANDS.They might be able to stop us in coon but they cannot stop us from gelung the voters organized and awake ned. and VOl e them OUI ofoffice andput in honest Americans. He lp us make it happen.The a w m a k e ~ and courts have been helping us with the following courtcases demanding thar the lender have possession of the promissory note~ f o r e the banke r can collect. See the following court cases confirming

~ See M a u e ~ of SlaffMon. & Inv.Corp., 550 F.2d 1228 (9th Cir 1977).Under the Uniform Commercial Code the on ly notice suffic ient 10 inform a ll interested parties that a securi ty interes t in instruments has beenperfected is actual possession by the secured parry, his agent o r bailee.See Bankruptcy Coun followed by UCC In Re Investors & Lenders LID165 B.R. BKRTCY D.N J. 1994" Under the New Jerse y Uniform

m ~ :ode (N JUCq promi ssory note is "instrument," securityinterest In which must he perfected by pos sessio n..: ' C learly the courtsdemand possession of the note be fore the bank can collect Wh . tho. YIS ISso Importan t'! It is important because you have been paying the loan 10bank #1. Bank #1 sells the note to bank #2. You kee p paying thewrongparty, Bank # I. Now bank #2 who bought the note from bank # I dem a ~ d th at you pay the last 12 months of payments 10 bank #2. You~ ~ thai you paid , and bank #2 claims thai you paid the wrong party.Thi s IS why you must be sure thai you paid the correct party and mustsee the note 10 see who the note is so ld too or you must pay twice. You

have to pay thewrong pany and then again pay thecorrect parry,\ Ih slom ally. the bankclaims they lent you money. The bank bundles upthe promis.."Ol}' DOtesin groups of aboul S2-3 million and uses the BO ies

30

as value to issue a bond and se lls them to Investors. The bank. becomes1ht." selVicing agen t. Now the bank sues you and tries to foreclose. Getthepicture? The bank does not have posse.ss lon, and is not the owner of

note so what legal standing does the bank have to sue you? Peoplehave demanded to see what con tractallows the non -owner of the no te to

you. The servicin ' agenl has 6Q days to ~ y o u the owner 's nameyou ittSee title 12 under serv icing agents). They usuallysell il -;g;in'when you req uest the owner 's name and keep selling il so

vou cannot find our who owns it. People have demanded 10know whothe note. and what contract allows someone other than the owner

!O sue you. l t is like you having a contract with your neighbor. Joe . Yourneil:!hbor Tom says you violated your agreement with Joe, so Tom suesyou. Tom bas no contract with you and c a n n sue yo u. Replace theword Tom with the word bank and you see the picture. The bank:worksun presumption hop ing that no one demands the original note or whoO""os the note . I f you can not find the note . some sta tes allow one toreconstruct the note. flow can they reconstruct it if the one do ing thereconstructing has no personal know ledge and youa re arguing the termsand conditions of the note . Only you have first hand know ledge. onlyyou were there signing it. Some slates allow the attorney tou se a copy ofthe public record where the note was recorded in the country record andcertify the copy as the original. Again the attorney has no personal n o " , : ledge and it cou ld be forged. stolen and we sti l ldo not know who owns l.t.They still cannot explain our b - 7 terms in dispute in the back of unsmanual in the notices claiming breach of agree ment. Tom Schauf reoceived a telephone ca ll from someone who used this information. Theperson wrote to the bank. requesting a copy of the curre nt note with theassignments (paid 10 the order of.. . ) showing who is the current ownerof the note .The bank refused 10respond. He gave a second request . Hedid not give any arguments or dispute . He only requested a copy of thenote, Now he sues the bank claiming mal he is the holder in due courseof the title (If the horne and the bank is not the ho lder of the note . Thebank refused to answer the law suit and he got his home free and clear.Remember after one sues, you can amend the suit once . If the bank re sponded. you could claim thai the terms were altered or breached. Thebank did not wanrtn get involved in answering the questions a" tt l breaching the tenn.s and 6--7 things concerning the terms tha t we want to uisCUl>..

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Tbey never tel l you who ow ns the nore. They have been known to sethe notes . you payoff the en ure note an d the bank give s you a sheetpape r saying it is all. of f. Then 5 year s later the owner of the nOli:fore closes. Why? It IS simple . You neve r got the original note back ancyou must p.rnve that you paid off the note. Peop le have been fored oSfljon off the 5 years ag o but lost the one piece of paPer

s a y m ~ tha t II w as paid of f. They throw ou t the i r old bank slalemenushowing tha i they paid it of f an d d i d not gel back theoriginal note. Th'is why it is important to see the original note and gel il back . This is wh,it is important to follow the law andgel the note , and see who ownsandgel back the original.Two pe ople taught by Tom have been winning on credit ca rds. One per.son the credit card, then sends an op portun ity to cure and paythe invoice . Then he sends a defau h judgemem Next he sues the creditca rd company in smal l claim s court. Results have been wins an d thecredit ca rd companies have issued checks back to the victor in smaDc laims court. Some small claims will nor al low you to sue an out o f steebusiness. Check the agreement regarding jurisdiction, arbitration andcoon location.One person 11-.e5a bill of part iculars if sued by the credit card companythen enters a motion to dis miss the cou rt case brought by the credit cardcompany for nor complying with the Fair Debt Collections Practices Adand givi ng veri fication/affidav it by someone with pe rsonal knowledgeand he uses ou r CPA Report and our CPA expert. Results have beensuccesses. As I write this it is not a 100% success. The week I wrote thisone man had his mortgage cancelled on one house . but on his other housethe mortgage was not cance lled.There are a series of court cases on vo id and vo idabl e judgments. Theattorney foreclo sing did not tell you that he is a debt collector pe r thesupreme cou rt ruling. You had no opportunity 10 demand verificatio n,affidavi t signe d by the attorney. with personal knowledge, veri fying thedebt. The attorney forces you into court and win s. The at torney brokethe law by not informing you that he is a debt collector. People haveused court cases showing thai the first court case is void or voidable and

revt r.>ed the first court decision because the first attorney violated the

GIld gave us a wonderful government and laws and court cases. YouCd to use what God gave us to protect you r rights. Don' t let someattorney vio late your rights and get your property for free . We merelylIanl to know the wh ole tru th and nothing but the truth regarding thelIo'hole agreement and bookkeeping entries an d follow the law. What is\lI'rong with tha t? If the bank has nothing 10 hide . then let them explainallof the details. We simply believe that the party who funded the loa n.per the bookkeeping entries, should be repaid the money. Who couldarguewith that un les s you are a swindler. On ly a swi ndler wou ld try andsuppres s ev idence proving who funded the loan . They cannot prove uswrong so now the a ttorneys resort to name culling . We see this in court.When an attorney cannot gel a witness with personal knowledge to provethe ir case, the attorney tries to be the witness tell ing the judge tha t ou rarguments come from Google. corn and are nonsense as the attorney cannot explain GAA P. the Federal law that they should know. So do wehave another Enron, ArthurAnderson CPA firm on our hands?1b e juryconvicted theCPA finn of Anderson on June 15,2002 for obstruction ofjustice for impeding an investigation. Did you know thatAnderson wasa big bank auditor? How ca n we trust them or an y oth er CPA firm auditing the banks? We have a number of CPA's now who agree that federa llaw GAAP was violated and this mea ns tha t the audi t is like the Enronsituation. The bank attorneys do nol know GA AP and canno t testify toGAAP.On ly a CPA ca n testify to GAAP and now honest CPAs are exposing the truth .

See Appendix for "Suggested Court Admission.....


18/75

CI'ABanking Report by THOMAS Sc/IA UF, CPAJuly, 2002Jmponam: Th is report " ".. IS copyrighted. Copyright 2{X)2 Tho . .~ ~ o ~ z e copying or use of lhis report is P r o h i b ~ and ~ ~ Sc"'-!II copying or use is subject 10 a fee of IOU(XX) h proftjdollars per eac h unaurh ) ' d . cas UOlled Son ..e copy or ~ payable 10Thoma.; SchaurThis banki ng report is 10 expo ' the r .smoke . . se res. ml.


19/75

Fede-ralReserve Bank of Chicago publica tionABC' s of Figuring Intetestpage two claims thai when you deposit money into a savings a C C O uyou make a loan (0 the bank . According to GAAP, the new bank Iiabilitproves a loan to the bank.

Black' s Law Dictionary ex plains a deposit as placing money in the CUS-tody of a bank {( I bewithdrawn at lite will of lite depositor.Federal Reserve Bank of Ne w Yor k publica tion I Bet You Th ought e:.,_plains it very well on page twenty-seven that ban ks create new moner.whenever they grant loan s by simply depositing the borrower' s promissory note as a bankasset offset by a new bank liability. Page five explainthat money does no t have 10 be issued by the government or be in anY,speci al form.Combin e what the Federal Reserve Banks above have admined in writ-ing and you have the fact that the bank use d the bo rrower 's promissorynote as money or like money, hereinafter called money. deposited or re-corded il as a bank asset to give val ue to a check which the bank returns10 the borrower as a loan.When the bank deposited the money (o r promissory note). the money deposited was a loan to the bank. Thi s is co osisle nt with GAA P and the ma tching principle . Bank audi tors repeatedlytold me that they must hide the loan to the bank . If the loan 10 the bank ishidden. then you have the econ omics similar to stea ling , counterfeitingand swindling . All we ask fo r is that the party who funded the loan. perthe bank bookkeeping en tries. be repaid themoney. What hone st personwould argue otherwise?If one argues tha t the one who funded the loan, per the bookkeeping entries. should not be repaid the money. then they ar e arguing that one ofthe parties has a right to swindle the o ther part y. My question is "Whallaw or agreement gives that party the rig ht to swindle the o ther party?"Show me!Americans wan t to know. If the bank can not answer, they los!the argumen t by their silence .I will now ex plain what bank auditors have tol d me are some of the liesand smoke and mirrors and then I will try and expose the misinformation.

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Bank auditors cannot give a complete answer as to what money is. To beIICPA, one must have the competence to comp lete theassignment and ifthty cannot answer wha t money is, they have no righ t to audit the booksor lCstify. Typical ly. bank auditors will claim that the prom issory note isnot money and that the bank did not deposit money rec eived from theb O T and thai the borrower did not make a depos it al the bank orcredit union. Th ey then claim that two loans were not ex chan ged . TypicaUy. at this time , they go through the motions that GAAP wa s fo llowedand e,,erything is in order just like Anhur Anderson did ju st before theaudi t fraud was ex posed. Th en the typical bank and credit union auditorsuse the fullowing example that auditors have privately told Tom Schaufis a trick to deceive the judge and general population. Tom Schauf willfirst give the Dick. and then ex pose the Dick.The trick goes like this. The hank does not deposit the promissory note .The bank or credit union reco rds the promi sso ry note or credit C'Md purchase a' anasset on the booksof the bank or credit union an d credits cashto balance the books . The borrower got cash. Th is is exactly what onebank audi tor told To m S ch auf andadmitted tha t this is a fraud and a lie.Atthis time . the typical bank and credit union auditor will try and av oidexplaining that the cash ea rlier credited is now deposited .The deposit isa debit to ca sh and a cr edit to a bank liability like a checking account ordemand deposit account o r sav ing s acco unt . The new result is exactlywhat the Federal Reserve Banks have already admitted. There is a newbank asset and a new hank liability. The new asse t came from the bo rrower and the bank liability means the bank owes money related to thenew asset.In the previous mentioned bookkeeping entries where bankauditors claimthatthey credit ca sh. they can replace the word ca sh with the word checkand you have the s a me e c onomics and bookkeeping e ntry on the typicalloan .The trick they use is that a check andc ash ar e similar because youCan get cash for a check. As me ntioned ea rlier, a check i.s not ca sh. but aPromise to pay a cer ta in sum of money. Th ing is... few people use cash.most use checks and the auditor knows this. Th ey can sell the promissorynote for ca sh. Logic tells us that the auditor is wrong here . claiming thatthey gave you cash. The bank or credit union auditor must agree that thePromissory note is recorded as a bank asset, typical ly recorded under

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loan a c c o u n ~ o ; If the offset or credit is to cash or check. the typical ~rower.deposit> the cash or h e c k resu lting in a debit to cash or check antan offset to a bank or credit union liability (typically ca lled a checkinaccount, demand depo sit account or savi ngs account) . The result isactly wha rtbe Federal Reserve Bank publications ear lier stated; that is,.new bank asset and new bank liability and the economics are the same, " .ar to new money. I challenge any bank or creditauditor to prove this paragraph wron g. They ei ther remain silent or lrrand gel off on another subject to confuse me issue. .Now some auditors are stupid enough 10 keep the game going by fOOl.ish ly claiming matno money wes deposited to cover the check thus ad.-mining to a criminal act of check kiting and a fraudulen t audit. Somepretend that the prom issory note is first sold for cash. the cash is depos-ired 10 give value to the check. and then the promissory note is reco rdeda s a bank asset .Thi s is a stupid argument because the result is a new baniasset and a new bank liability just as I said ear lier. In all of the above

c a ~ the bank or credi t union got the promissory notefor free, new moneycredit or money equiva lent was created. The party who provided the asset10 give value to the chec k that is claimed 10 be le nt to the alleged bor-rower was the same alleged borrower and the party who funded the loan.per the bookkeeping entries , is not repaid the mone y. Th is creates tl1teconomics similar to steal ing, counterfeiting and swindling.This changesthe cos t and the risk of the loan compared to if the one who funded theloan is repaid the money. Tom Schauf chal lenges any aud itor to provethat the economics are not similar to stealing, counterfeiting and swin-dling and thai theGAAP principle ofmatching was not applied by match-ing thenew asse t with a bank liability showing that the bank owes moneyto the alleged borrower as ind icated in the Federal Reserve Bank publica-tions.The matching principle wor ks like this. If you deposit $ I00 of cashat the bank., the bank must showa bank liability ofSIOUshowing that the'bank must return the $ HK) to you. If the bank acce pts cash or a promis-sory note from you 10 give value toa check. should not the sameeconom-ics apply to stop the eco nomics similar to stealing, counterfeiting andswindling? Should not the party who funded the loan, per the bookkeep-ing entries , be repaid the money? The bank or creditunion auditor cannotdiscuss this issue which is the heart o f the who le discussion.

We have a righ t to know and understand the entire agreement and the(Ionomics and the bookkeeping entri es . Thomas Schauf is looking tofllrce a bank auditor into a court deposition and force the bank:auditor 10five all of the details of the bookkeeping entries, explain what is and is

~ mO\eY, moneyequivalent and credit and explain theeconomi cs of thelf3llsoction.The bank or credit union wrote the agreement, they executedthe bookkeeping entries. and we have a righ t to know and understandII'hllt the agreement is and the eco nomics of the agreement. One questionrtmains. Is the party who provided the asset that gave value to the allegedbaI\k loancheck. per thebookkeeping entries. to berepaidan equal amountofvalue, for the value thatwasearlier provided 10fund the loan check? If!he answe r is no. do you agree that it is a swindle? If the bank can getmoneyor an asse t for free from the borrower or steal it by knowinglyhiding the full terms of the agreement and then return the money to thevictima s a loan. they couldown near ly everything in the nation similar tothe eco nomics of counterfeiting?Demand the auditor produce the bookkeeping entries to prove the prom-issory note is not used to give value to the check and that other deposi-tors' money was used to fund the loan. lf th is were the case. the book-keeping entries would bea debit to a checkingaccount or demand depositaccount or savings account and a credit to cash. The promissory notewould not be recorded as a bank asset. The deposi tors cannot spend themoney taken out of their bank account which was lent 10 the borrower.The borrower repays the loan and the money is returned to the party whofunded the loan. Economically speaki ng. everyone has eq ual protection.There are noeconomics similar to stealing, counterfeiting and swindling.There is on ly one key issue .According to the bookkeeping entries, shouldthe va lue of the money or asset that was used tu fund or give value to theloan be returned to the original party who prov ided the moneyor asset? IftheCPA auditor says no, then we have the economics of a swindle. If theCPA auditor says yes, then there is no disagreement and we all agree.Who cou ld poss ibly argue that the one who funded the loan should not berepaid the money unless they are try ing 10create the economics similar toa swindle '!They would have to hide the true bookkeeping entries if thisWere the case. If so, have the aud itor give the complete detai ls of thebookkeeping entries including who provided the asset 10 fund the loan .


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If the bank CPA cannot explain or does nor understand what w. ' wmg about, then he or she does not have the competence to takaudit a...signment and has broken theethics of a CPA. eHave thebank orcredit unionCPAaueJ iltlfgive all eltaffiplesof thinuseas I) money, 2) money equivalent, 3) thingsof value thaigive vf,scheck. l..money recordedas a bank asset or liability? Is ca..h muney?thebank use a note as money'! Is thepromissory note used togive valcheck or similar instrument? Is it the intent and bank policy thatthewho providedthe asset to give valueto the loancheck, per the bolentries, have the money or valueof the assetearlierdescribedthem? If a CPA cannot answer these simple questions, then ethicsthatthey haveno bu.sInessauditing thebank or credit union. TheCPAauditor must have me competence toanswer these simple questions itook on theassignment to audit the bank or credit union. If they claimthey followedGAAP.have them givedetails and answerourq lle'>tiollS,the CPAclaim that the Federal Reserve Bank publicationsare wrong'amine what theCPAsays andsee if they refuse to answer our ba..ictions todetermine bank policy,eccnomics ot'a loan. andwhat thefunkeeping entriesof GAAP really are. If the bank CPAdisagrees. havegive theproof. If noproof, they have nocredibility.One CPAauditora CPAcla'\s with Tom Schauf toldTomthat these arguments arecraryTommadehimanswerspecific questions and then headmitted thar. thewas a fraud. If no money was deposited to fund the bank loancheck.can it be legal'!Who provided the money to fund the loan'!Have the bank or credit union auditors prove that the Federal R .Bank publications are incorrect in fhat money is not first depositedthen lent out. Have them prove that the intent of the agreement is thatpart y who provided the asse t to fund the loan, per the bookkeepiatries, is nOI 10 be repaid the money or value of the a...set thai fundedloan.There is only one real issue to bereso lved. Ask the bank or credilCPAauditors to answer the following questions. Is it the basic in!the loan agreement that whichever party provided the asset to give10the loan. according to the bookkeeping entries, is 10 be repaid b a c ~equal amountof value plus interest when the loan is repaid'jThis i53simple and ba..ic conce pt any competent CPAshould understand- If

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~ 1 f f O W::::r ~ : ~ ~ ~ : ~ : : ~ : ~ ~ ~ : = n ~ V ; ~ ;~ o n t loan shOUld be repaid the money. Now we must decide, per~ ~ e e p entries, if the borrower funded the loan.

wer provided cashor a check or anasset that the bank deposlithe ~ to give value to the loan, the bank assets and liabilities williltdr e.J " ~ I l e n thebankauditor to prove mewrong. li the bank lent-ncrca..e. ell"~ t . k p o s money and did not accept an asset from borrower to

theloanor give value10 the loan. the netoverall banking assetsand~ l i t i t s from this nansaction would not increase. I challenge any bank:wr (0 prove me wrong. This just told you who funded the loan. Ac~ to GAAP and the Federal Reserve Bank publications. the net

~ f f t ' C l l l f the wtaJ uansactlon of the bookkeeping entries was that the netbankingassess and liabilities increased. I challenge any CPA bank audi

10 prove me wrong. Tbe CPA can play with words. ignore the issues,beat around the bushand talk about nothing of Importance. bUI if theydoand refuse to prove me wrong, you know everything that you need 10blowand how 10 win,Typically. the bank auditors will go into great detail on how they fol-lo\J,'e

~ t h e GMP matching principle, theCPAauditors will try and claim that~ Cedilt.d cash and nut a liability accoum. The net result, no maileris you COok the book ..., is a new bank liability once thepromissory note

h o : ~ d e d . asan a...et or the credit union posts charges 10 (he credit card1Ilatcru: ~ ~ The Federal Reserve Bank publications show thePer the gPfinclple claiming thai two loans were exchanged as is correct

GAAP matchingprinciple. If IWOloans were notexchanged. then

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there is a tax owed to the IRS for the stolen promissory note . Did the bankpay the IRS tax'! The matching principle does not allow anyone to slealyou r asse t, exchange it for something ofequal value , and return the valuestolen 10 the victim as a loa n. The bankauditors wh o claims tha i cash Orcheck was credited in exchange tor the promissory note, which is re-corded as an asset, got the prom issory note for free and exchanged !heva lue of the promissory note for a check and returned the check 10 thevictim as a loan having the ec onomics similar to dep ositing the promis-sory note like money which allows the bank 10 get the promissory notefor fre e and create new money. The economics are like the bank is actingas a money changer and calling it a loan . If the bank took your c ash orsrole the ca sh and used the cash 10 fund a chec k and returned thechec k toyou as a loan you can understand it is like stealing. Replace the word cashwith promissory note and you have similar economics. Claiming that cashor a check was credited is only smoke and mirrors accounting and cook-ing the books, which gives the economics similar to stealing, counte rfeit-ing and swindling. Have the bank CPA auditors prove me wrong.If Jo e signs a promissory note and it is agreed that Joe loans the promis-sory note to the bank , the following bookkeeping entries are recorded.

.Th e promissory note is recorded as a bank asset and the bank records abank liab ility showing thai the bank owes Joe money for the loan to thebank. This shows IWo loans were exchanged as proven by the new assetandnew liability, Under the sm oke andmirror method. the bank recordsthe promissory note as an asse t resulting in a new bank liabili ty whenever ything is completed, hut this lime Joe 's name is not on the bank li-ability. Tbe bank CPA claims thaI two loa ns were nor exchanged. Thebank got the promissory note for free as the bank created new money andthe party who funded the loan , pe r the bookkee ping entries. is not repaidthe money. Have an y bank CPA auditor prove me wrong. A bank auditorhiding this must claim they credited cash or check but when the cash orcheck is deposited you ha ....e the new asset and new liability, Thi s tempo-rarybookkeeping entry only hide s the true transaction a nde c onomics. Acheck is a liability and who gels a hand full or bag of cash when they gela car or house loan'!As the bank CPA auditors lo ld Tom Schau f, it is a liethai cash was credited. it was only called cash to gel e ....eryone of f track asto the true nature of the true economics. Bank aud itors typically call cashthings other than cash to hide the true meanin g of the word. The bank

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auditors admitted to Tom Schauf that it was a lie and that the true partywho funded the loan , per the bookkeeping entri es, is never repaid themoney, The auditor told Tom that there is a new asset and liability and theliability means that the bank owes money for the asset it accepted as anasset.Th ai is basic GAAP.Th e bank got the promissory note for free bycreating new money and violating the GAAP principle of matching.Th en,when you ask the bank or bank auditors for the truth, they typically mis-represent how it works or re fuse to explain.Please notice how I gave the Federal Reserve Bank publications and pagenumbers and bookkeeping entries.What proofdoes anyCPA have to proveme wrong? TheFederal Reserve Bank pub li cations c laim that new moneywas created in the loan process, the new money is deposited and there isa new asset and new liability and money is ow ed for the new liability, sowhat CPA bank auditor would be a big enough fool 10claim that this isnot true? What CPA bank aud itor is foo lish en ough to claim thai if youdepo si t $100 into your checking account tha t you did not loa n the bankthe $100 and that the bank assets and liab ilities did not increase by $1OO?The problem is tha t t he CPA bank auditors do not want to admit that thepromissory note was used like or a" money or value or money equi valentto give value to the bank loan check. The auditors must try and hide thisfact or the secret is revealed thai the borrower's asset. per the bo okkeep-ing entries, gave ....alue 10 the alleged loan and that the partywho fundedthe alleged loan, per the bo okkeeping entries, is never repaid the moneygiving the econ omics similar 10 stealing, counrerfeiung and swindling,thus hiding the true elements of the alleged agreement . Any CPA bankauditorshould have thecompetence to know the truth or they should stoptaking on an ass ignment that they do not have the competence to finish.Yes, the bank auditor typically will play with words to confuse the issue.They cannot explain what is money or money eq u ivalent . They typicallywill say thai c ash and checks are deposited butthat promissory notes arenot deposited ignoring that the overall net effect of the book keeping en-tr ies in both cases have the same economic effect of having the cash andpromisso ry note recorded as an a sset and both giving value to a bankcheck. The bank is merely a money changer calling themselves a lender.hiding the fact that the promissory note incr e ased the bank asse ts andliabilities creating new money or money equivalent or credit. Th ey will

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nOIallow the original partywh .be repa id the same value whoO l ' d e d ~ asse t thar funded the loan . .I .. me can IS ren"id A .L10 d TomSchauf it is a trick that I ' .. Sme CPA auditorsthat confusion and ignorance O ~ very profitable :md they were hopingto cominue this very profitable : ; e ~ e r a wou ld allow lhelllSchauf is challenging any CPA bank 0,:", lhe trick IS exposed andTomthegeneral populationwilllearn the ~ ~ t ~ : ~ ': 'prove him wrong. SOOnCPA firm. Enron and wo Ide . 10ktheArthur Andersonr om audit scandaf '"pared to the lying and mi . . S were IOsIgmfic3m com,Isrepresent.UJ.Ons we h' .",,,I,lkkeepmgemries 1' 1. - . ave seen wi th the bank. mere IS a Joan agree hthe bank used their bo okke-o! . menr I at lhe bank wrote and. eep lflg emnes have th b .tellmg the truth and norhl b e ank grve the de tails. rmng UI the truth d s .SImply wan! the one who fu


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might say it is insign itic ant and irrelevant who funded the loan until yousteal the CPA's asse t or money and retu m the sto len item to the victim asa loan and then it becomes significant and relevant.Anyone with a high schoo l education can see the flaw in the bank CPA'sarg ument that cash was lent and the borrowe r did not fund the loan .am ple:The bank makes 5loansofS lOOJXXleach. Each time the SllXI.ooopromissory note is recorded as an a...et and cash is credited . The onereceiving the cash does not hide the cash in their bed sheets, they depositit back in the bank and the bank assets and liabilities increase by S100.000from the alleged transaction. According to the bank CPA a bank couldlend out the same S loo .OOO cash five times as bank assets and liabilitiesIncrease S times .The math proves that you cannot have the same $100,000cash in S place s at theexact same time. Federal Reserve Notes (cash) arerecorded as a bank asset and a bank liability shows that the bank owesFederal Reserve Noles. Money clear ly is recorded as a bank asset, If thebank liabilities increase by SS(XI.oro as assets increase by S5OO .000. itmean s that the bank owes S5oo .CXXJ more money and the bank got the$500,000 in a...ets from the al leged borrowers. I f you loan the bank aSSOO.ooo a...et, the bank assets increase by $500.000 and the bank li. abilities increase by 5txJ.lX)() I challenge the bank CPA to prove mewrong regarding the bookkeeping entries.Whered id the money come from to fund the $500.000 of new loans? The$100.000 ca..h is still in the bank and the bank assets and liabili ties increased by S5


25/75

Chapter 3 a Additional Laws & St rategiesYou m.ay wan! to looka t the following laws: Fair Credit Billing Act andthe Fair Debt Collect ion Practices Act. Look up the words "validation"and "verification" in the law dictionary - lei them. by affidavit, tell YOuthat you owe money and what the terms and conditions are. Siudyru les of d e n ~ e (they mu st show you each item charged that theyclaim yuu owe. notjust a tota l deb t, and no standard agreement is easy toprove). See VCC R-315, Federal Rules of Evidence . Rule 1003 aboutnot al lowing a. ~ as evidence argue the authenticity of the copy.demand the original, look up unde r state law for lost or missing notes.

the Federal Rules of Civil Procedure. Rules 27 and 28 to get Depo-smons. Study Declaratory RelieffJudgment 10 invalidate the contract.Read UCC 3-308 about the proof of signature and status as the holder indue course - abo ut denying signature in pleadings before mal or e lse thejudge " S ~ m e it is your signature. giving authenticity 10 the promissorynote - which means you agreed the bank lent you the money as ag reed.Study ~ evidence". The debt collector who is an attorney U'iCShearsay evidence - what the credit card company (a third party) sai d . 10

-. collect. One person kept obje cting in court as the debt collector talkedsaying. "objection, this is hearsay evidence." The judge allowed the deb;co llector to testify, 10e judge asked if this wa. . hearsay and the debtcollector said yes.The judge threwoUI allof theevidence because it washearsay. The debt co llector has no ev idence unde r the ru les of evidencecollec t, so the al leged borrower won by objecting to hearsay. The

may say. "take j udici al notice ." This means the banker can bringm a copy of the note unless you object. Look for court cases thai say thatthe party who wrote the agreement has the greater burden of proof explaining the ag reement.you are nOI willing 10do your job , and homework , do not expect the

10help you. You have 10 help the judge help you. Do not expectthe to rule agai nst the banking sys tem. He wants to keep his job .On ly dISCUSS breach of agreement and how they changed the cost andthe risk and concealed material fac ts Discuss GA AP.These are the things that you might want to go over and discuss withyour legal counsel.

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Have fun. Get a gnlUp of peop le toge ther for a seminar. Put together amock trial with a mockj ury and see how it sounds. What would the jury(voters) decide. Would they rule in your favor or the banker 's favor?One bank answered our "Admissions" document. admitti ng that theyfo llow GAAP and thai they follow Federal Reserve Banks policies andprocedu res. Another adm ission statement was "The intent of the allegedagreement was for the consumer to provide the money that the bankwould use to fund the credi t line or loan." The bank denied this .What have the credit card companies been doing to stop lawsuits? Theychangethe rules .They canchange the policies and procedures by simplymailing you the changes.So they changed the rules requiring you 10 goto arb itration or sue them in a slate court 1,()(X) miles from your home.One party told Tom that he signed an agreement forcing Tom into arbi -trat ion. Tom told the arbitrator that the alleged document agreeing toarbitration was a forgery so there is no agreement al lowing thearbitrator10 arbi trate.The arbitrator was told thai if hedid arbitrate that Tom wouldsue the arbitrator for da mages . The arbitrator refused to arb itrate. Thearbitrator knows that the bank is paying him and keeps getting moneyfrom the bank . So who do you think that the arbitrator will rule in favoron The banker knows that the bank won before it got started. It is likehiring the fox 10 guard the chickens.The chickens are dead in that deal.To win. to really win requires that we gel the voters to agree with us. Ifnot, the courts will not be the answer. They will just change the rulesagainst us.This is nor intended a.. legal advice.This isonly to show you the historical information per telephone cal ls 10Tom from people claiming suecess . We cannot guarantee success.The intent of this manual is to show you the law and allow you to be thejudge and jury. If you agree with Tom. hel p us win our nat ion back 10 thetruth. Not by going to CDUn . but by he lping us get the voters to jo in us sothai we become the lawmakers so that we control the j udges , sheriffsand bankers the legal way through the vote.

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If you go 10 Coull , and get OUI of your loan but we do not use the VOtewin me nation, the bankers ' politicians wil l demand a National 10 :Qenslave you . So . what good is it winning in cou rt if we lose the nau 0On tothe bankers'! Youcould get many others 10join us who could help us getIOOOOs . YES, YOUCANMAKEABIGDIFFERENCE.If we do nor do anything, they wi ll go 10 a cashless society giving themtotal control over you. Thi s is the time 10win back a nation to the truthand stop slavery.

w.e expect the bank10 change strategy in 2003.The new bankruptcy lawwill ~ thatyou cannot cance l your credit card debt. They will simply

your wages and foreclose on your house after they force youmro Involuntary ~ k r u p t c y Ask your legal counsel about demand ingproo f of the de bt In bankruptcy. That might beyour best defense.For research please

Bankers Secret Manual

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