April 20, 1999

John Allen & Mary Jane Doe
6 Romance Lane
Ponca City, Oklahoma 74601

Sally Shyster (OBA #11333)
Shyster, Slick & Slime
3729 Back Alley
Oklahoma City, Oklahoma 73111
As counsel for and agent of First Bank of Fraud TR U/A dtd 3/01/97 (Screw Mortgage Co. 1997-1).

RE: Loan Number 12345, relating to property identified by street address 6 Romance Lane, Ponca City, Oklahoma.

PURPOSE: Contract Revocation & Debt Cancellation. This Notice shall be construed as the first step in administrative due process; it formally sets forth an offer in compromise.

AUTHORITY: Statute of Frauds; Regulation Z; Paperwork Reduction Act; Privacy Act; Home Mortgage Disclosure Act; secured rights, Constitution of the United States & Constitution of the State of Oklahoma; all other rights secured by law.

Dear Ms. Shyster:

Since First Bank of Fraud TR, successor and trustee of Screw Mortgage Co., retained the services of Shyster, Slick & Slime for a foreclosure action against nonexistent juristic entities, JOHN ALLEN DOE and MARY JANE DOE, (Case CJ-99-006, District Court of Kay County), we presume that you and other attorneys listed in your firm serve as counsel for the bank, so are directing this Notice of Contract Revocation & Debt Cancellation to you. If this assumption is in error, you may forward this Notice to First Bank of Fraud officers, and provide us notice of who it is being forwarded to.

As counsel and agent for First Bank of Fraud, you are hereby formally given notice that this letter effects contract revocation and debt cancellation against loan number 12345, including all promissory notes and other mortgage liabilities.

You or the proper First Bank of Fraud officer may rebut or correct matters of law and fact set forth herein within a reasonable period of twenty days from receipt of this Notice. In the alternative, please provide certified notice that First Bank of Fraud officers will cancel and return all original documents relating to the Promissory Note (Loan Number 12345) and Mortgage we executed with Conversion Credit Corporation of Oklahoma, will remove all liens and other encumbrances filed in the office of the County Clerk for Kay County and elsewhere, and will abandon the case cited above.

In the event of noncompliance, we reserve the right to pursue all lawful remedies, civil and criminal, specifically reserving the right to secure compensation for treble damages and litigation expense. In the event of compliance, we will seek no remedy other than clear title to the property at issue.

1. Our names, respectively, are John Allen Doe and Mary Jane Doe; we are living beings. We are not JOHN ALLEN DOE and MARY JANE DOE, and we do not serve as fiduciaries of these nonexistent juristic entities (see 15 O.S. § 28 for necessity of proper identity to effect contracts).
2. We are not, and have never presented ourselves as officers, employees, or agents of the United States, a political subdivision, territory or insular possession of the United States, nor an Indian tribe recognized by the Government of the United States.
3. Oklahoma is one of the several States party to the Constitution of the United States where the Constitution of the United States, and the Constitution of the State of Oklahoma, are construed as organic acts and constitute the law of the land.
4. In Article I § 8, the Constitution of the United States authorizes Congress to (1) mint coin and regulate its value, and (2) prescribe punishment for counterfeiting securities and current coin of the United States; and at Article I § 10, prohibits the several States, Oklahoma included, from (1) emitting bills of credit, (2) minting coin, and (3) making any thing but gold and silver coin a tender for payment of debt.
5. At Article 23 § 8, the Constitution of the State of Oklahoma stipulates that, "Any provision of a contract, express or implied, made by any person, by which any of the benefits of this Constitution is sought to be waived, shall be null and void."
6. The ledger-entry hypothecated "credit" transaction originally effected with Conversion Credit Corporation is therefore null, void, and unenforceable.
7. At Article 2 § 7, the Constitution of the State of Oklahoma stipulates that, "No person shall be deprived of life, liberty, or property, without due process of law," the secured right being due process in the course of the common law, originally secured by the Organic Act for Oklahoma Territory and subsequently the State of Oklahoma.
8. Suit initiated by First Bank of Fraud presumed authority of the Uniform Commercial Code (12 U.S.C. § 1431(e)(2)(C)), which is an Adopted Act of Oklahoma and other States of the Union, predicated on the notion that States adopting the UCC are instrumentalities or political subdivisions of the United States subject to sovereignty of the United States under territorial clause authority (Art. IV § 3.2, Constitution of the United States).
9. The Uniform Commercial Code proceeds in the course of the civil law, which is repugnant to the course of the common law.
10. By filing a so-called civil action against the juristic entities, JOHN ALLEN DOE and MARY JANE DOE, First Bank of Fraud attempted to deprive us of constitutionally secured due process in the course of the common law.
11. Under Conflict of Law Doctrine, Oklahoma original acts, including the Constitution of the United States and the Constitution of the State of Oklahoma, and rights, benefits and protections secured therein, are always superior to the adopted acts, including the Uniform Commercial Code (75 O.S. 12).
12. The succession of lending institutions, including Conversion Credit Corporation of Oklahoma, Screw Mortgage Co., First Bank of Fraud, and any other lending institution involved in succession, did, and in succession, do, operate under auspices of a Federal grant of authority, in the capacity of Federal Tax & Loan Depositaries, (31 CFR §§ 202 & 203), and thereby function in the role of "fiscal agent" of the United States.
13. As fiscal agent of the United States, the financial institutions, respectively, traffic in what is described as "public money", thereby predicating all credit and other financial transactions on credit of the United States (see definition of "credit" at 15 U.S.C. § 1602(e), Consumer Credit Protection Act).
14. This "public money" is not authorized as a medium for payment of debt by the Constitution of the United States, and obviously, the State of Oklahoma is prohibited from enforcing contractual obligations predicated on such colorable bills of credit effected by mere ledger-entry accounting.
15. Whether demand deposits or savings, deposits in the said financial institutions may be insured only for officers, employees and agents of the United States, officers, employees and agents of the District of Columbia and insular possessions of the United States, and Indian tribes, as defined at 25 U.S.C. § 1452(c) (see 12 U.S.C. § 1821(a)(2)(A)).
16. As Federal tax and loan depositaries, the said financial institutions, respectively and collectively, may solicit and do business with only those people previously listed who are authorized to receive and use public money (31 CFR §§ 202.1, 202.3 & 203.3).
17. Once qualified as Federal tax and loan depositaries, the financial institutions, respectively, had to apply and become Federal Home Loan Banks (12 U.S.C. §§ 1421, et seq.), and in said capacity, operate as fiscal agents of the United States to extend "credit" of the United States on all home loan transactions, the said "credit" being hypothecated on credit of the United States. (Obviously, no private enterprise has power to unilaterally grant authority to defer payment of debt, or to create debt then defer its payment.)
18. Authority of the Federal Home Loan Bank is predicated on the presumption that loans are made in Federal States subject to sovereignty of the United States under the territorial clause at Article IV § 3.2 of the Constitution of the United States (see definition of the term "State" at 12 U.S.C. § 1422(3); also, the definition of the term "dwelling" in regulations governing the Home Mortgage Disclosure Act, Regulation C, at 12 CFR § 203.2(d)).
19. Even though State officials participate in the Cooperative Federalism fraud via uniform acts and various intergovernmental compacts and agreements, this colorable authority has no application or compelling force of law in the face of fundamental law (75 O.S. § 12).
20. Prior to initiating a civil action to collect an obligation to the United States, the said fiscal agent of the United States must secure a determination of liability from the General Accounting Office as general agent of the Treasury of the United States (31 U.S.C. § 3702).
21. First Bank of Fraud has not secured the required GAO determination of liability (see procedural regulations in Title 4, Code of Federal Regulations).
22. As fiscal agent of the United States, First Bank of Fraud, and its predecessors of interest, are subject to all applicable Federal statutory and regulatory mandates, including but not limited to, the Privacy Act (5 U.S.C. § 552(a)), the Federal Register Act (44 U.S.C. §§ 1501 et seq.), the Consumer Protection Act, including Regulation Z (12 CFR § 226), the Mortgage Disclosure Act, including Regulation C, and the Paperwork Reduction Act (5 CFR § 1320).
23. The Privacy Act requires specific disclosure on all information-gathering forms, the requirement being notice that any given form is (1) voluntary, (2) mandatory, or (3) necessary to secure or retain a benefit.
24. No information-gathering form provided by Conversion Credit Corporation of Oklahoma, including the original loan application form, included the required Privacy Act notice either in instructions or on its face.
25. The Paperwork Reduction Act requires each information-gathering form to display a currently valid OMB number and give notice that if it does not display a currently valid OMB number then whomever the form is given to is not required to complete the form.
26. No form provided by the originating financial institution, Conversion Credit Corporation of Oklahoma, including the original credit application, displayed the requisite OMB number and notice. (see particularly, 12 CFR § 203.1, relative to the Mortgage Disclosure Act, Regulation C)
27. Paperwork Reduction Act regulations, specifically at 5 CFR § 1320.6, prohibit the interested agent or agency from securing administrative or judicial remedies if and when information-gathering forms fail to display the required OMB number and notice, and the regulation can be employed as a complete defense at any time.
28. It appears that the loan originator, and First Bank of Fraud as successor, operated under color of authority of the United States by altering the requisite HUD-1 Settlement Statement by making unauthorized alterations, specifically by not displaying required information (24 CFR §§ 3500.9(a) & (c)).
29. As successor to Conversion Credit Corporation of Oklahoma and Screw Mortgage Co., First Bank of Fraud has a security interest in mortgage insurance, not the real property at issue.
30. We purchased the said mortgage insurance with escrow deposits and continuing escrow payments.
31. We were never supplied a copy of the mortgage insurance policy.
32. Regulation Z preserves the right to effect rescission in the event of inability to pay even for officers, employees, and agents of the Government of the United States, et al, who may by law receive public money for their own use, and who are lawfully vested with the privilege of using "credit" of the United States for deferred payment purchases via fiscal agents of the United States such as First Bank of Fraud.
33. We were never informed of the right of rescission secured by Regulation Z.
34. There is no implementing general application regulation, as required by the Federal Register Act (44 U.S.C. § 1505(a)), authorizing filing of contractual liens in the Union of several States party to the Constitution (12 U.S.C. § 2615; see Parallel Table of Authorities and Rules, Index volume of the Code of Federal Regulations).
35. First Bank of Fraud, as successor of the loan originator, did in fact file a mortgage lien in the office of the county clerk for Kay County, State of Oklahoma, thereby acting under color of authority of the United States.
36. First Bank of Fraud, as successor and trustee in interest, has operated under color of authority of the United States, without lawful authority for said solicitation and execution, to counterfeit a security of the United States.

In the event civil and/or criminal prosecution is necessary, we reserve the right to expand the list of material facts and causes above. This notice of contract revocation and debt cancellation will be construed as a first step in administrative due process (5 U.S.C. §§ 553 & 554).

This notice incorporates an offer in compromise: If First Bank of Fraud officers and agents do not rebut or correct matters set forth in the statement of material facts and causes within twenty days following receipt of this notice, they may cancel all original documents, return them to us, remove all encumbrances filed in the office of the county clerk for Kay County or elsewhere, and abandoned the foreclosure action filed in the district court for Kay County, State of Oklahoma. In that event, we will forego all other lawful remedies, both civil and criminal.

Under penalties of perjury, we respectively attest that to the best of our current knowledge, understanding and belief, all matters of fact and law set forth herein are accurate and true, so help us God.

John Allen Doe                                       Mary Jane Doe