Insights into Bank Responses

To: The Diligent Creditors

In the event that I receive a response from an Institution and/or Attorney(s), I am free to
respond in a way that I would feel appropriate as a creditor.

This is my individual and unique process, for which requires my full responsibility and
volition in moving forward with the offers and contracts that I have put into play.

Knowledge and Understanding are very powerful treasures, to acquire when dealing
with any new venture. They create a knowing and confidence to stand on my claim. I
am continually exploring the wealth of material readily available to fill my vessel with a
bountiful cargo of knowledge and a treasure chest of abundance.

One important thing for me to do was to review the 1st Bank Package and the 2nd Bank
Package (NOTICE OF FAULT IN DISHONOR) that I sent to the various Institutions. It is
important that I have a complete understanding of my process and what the terms and
stipulations are that I have explicitly presented to the Institutions in my NOTICES.

In the event that I received a letter from an Institution

and/or Attorney, here’s how I would proceed:

For an Institutions/Attorneys Response Letter to qualify as a sufficient and verified

response, I feel that it must include ALL of the following:

- The response MUST be sent to the Third Party Public Witness (typically
your notary) at the address referenced to on my NOTICE to be verified &
validated.

- The response must address ALL the points on a point-by-point basis.

- A response in a sworn affidavit of an Officer of Trustee (The

Bank/Institution)

- The response must be sworn and signed under full commercial liability that
the facts contained therein are true, correct and not misleading.

- The response must be postmarked within the allotted time given in the
NOTICE.

To emphasize again and create more clarity to the process, I absolutely must have a
response that comes through the Third Party Public Witness (Notary) to be validated
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and verified. If I do not have such a response, then it is, on it’s face, insufficient and
frivolous. If that is the case, then I will take my trusty red Sharpie, and write at a 45
degree angle across it’s face: “REFUSED FOR CAUSE: Insufficient / Frivolous
Response”, and I will date it (if the date of the letter I receive is more than 3 days back
from today’s date, I will write a date that is LESS THAN 72 hours after their date, and
write the words “Nunc Pro Tunc” beneath the date I write – this indicates “Now For
Then”, an opportunity in law to backdate a document, because one can only refuse a
document for cause within 72 hours of the document… or Nunc Pro Tunc it!). I will mail
both the response AND it’s envelope back to the institution, to the specific person who
sent it to me. I would mail it certified mail, and I personally would choose to use the
notary for this mailing.

In Summary:
1. Whether I receive a response directly from an institution or attorney’s
office, or if the notary / escrow attorney receive it and then they send it on
to me, in all likelihood I will Refuse it For Cause. The only type of
correspondence that would warrant a more detailed response would be if
they met all criteria listed in the bullet points above.

2. If I received the type of correspondence that warrants a Refusal For Cause,

and I still have my 2nd and/or 3rd round Bank Package left to do, I will do my
Refusal for Cause on the letter and INCLUDE IT with my next round of Bank
Letters, to continue and proceed with my perfection of the Claim that I’m
putting forth.

3. In the event that I DO receive a sufficient and verified response from an

Institution/Attorney that was formatted in the proper manner covering ALL
of the points listed above, I would most certainly want to respond
immediately with a Conditional Acceptance and an Affidavit signed by me.

4. I will be sending all of my correspondence(s) to the Institution/Attorney

through the Third Party Public Witness (Notary) so that there will be a
record of my response to them.

5. As a Creditor, with my own unique process, I may feel free to proceed and
respond in any way that I deem appropriate for my given circumstances.

6. Being a diligent Creditor, I will put aside time on a daily basis to enhance
my awareness and knowledge of the various processes in Commerce.

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