BANKING HANDY

INFORMATION
BY LAW, MONEY IS DEFINED AS A PHYSICAL MASS OF SILVER

CREDIT (BOOKKEEPING ENTRIES AND PROMISES) IS NOT LAWFUL

MONEY

BANKS BY LAW CANNOT LOAN CREDIT, ONLY MONEY. USC TITLE 12,
SEC. 24. PARAGRAPH 7. ART 1 SEC 10 PAR 1 US CONSTITUTION.

THERE ARE 2 KINDS OF MONEY-

1. GOVERNMENT ISSUED LEGAL MONEY
2. PRIVATELY ISSUED UNLAWFUL MONEY (COUNTERFEIT)

ULTRA VIRES CONTRACTS

COURTS HAVE LONG HELD THAT WHEN A CORPORATION EXECUTES A

CONTRACT BEYOND THE SCOPE OF OF ITS CHARTER OR BY- LAWS,
THE CONTRACT IS VOID OR ULTRA VIRES.

When a contract is once declared ultra vires, the fact that it is executed
does not validate it, nor can it be ratified, so as to make it the basis of suit
or action nor does the doctrine of estoppel apply.

COMMERCIAL BANKS CREATE CHECKBOOK MONEY WHENEVER THEY

GRANT A LOAN, SIMPLY BY ADDING DEPOSIT DOLLARS TO ACCOUNTS
ON THEIR BOOKS TO EXCHANGE FOR THE BORROWERSS IOU.

TODAY, BANKS CREATE MONEY BY CREATING DEMAND DEPOSITS

DEMAND DEPOSITS ARE MERELY BOOK ENTRIES THAT REFLECT HOW
MUCH LAWFUL MONEY THE BANK OWES ITS CUSTOMERS.
THESE ARE ALSO THE BANKS LIABILITIES.

THE BANKS ASSETS ARE ALL THE VAULT CASH, PLUS ALL THE IOUS OR
PROMISSORY NOTES THAT BORROWERS SIGN WHEN THEY BORROW
MONEY OR CREDIT.

WHEN A BANK LENDS ITS CASH (LEGAL MONEY), IT LOANS ITS ASSETS,
BUT WHEN A BANK LENDS ITS CREDIT, IT LENDS ITS LIABILITIES.
THUS THE LENDING OF CREDIT IS THE EXACT OPPOSITE OF THE
LENDING OF CASH OR LEGAL MONEY.

BANKS LOAN CREDIT OR WRITE CHECKS WITH THE INTENDED

PURPOSE OF CIRCULATING CREDIT AS LAWFULMONEY
THIS IS ILLUSORY CONFIDENCE BY THE PUBLIC. AS LONG AS PEOPLE
HAVE CONFIDENCE AND DONT DEMAND CASH.
PRIVATELY CREATED MONEY COMES FROM THE ISSUER AND IS BASED
ON LIABILITIES. THERE ARE 3 FORMS CALLED
1-CREDIT (money bank owes)
2. CHECK BOOK MONEY(add deposit dollars to accounts on their books in
exchange for borrowers IOU.
3.DEMAND DEPOSIT- (Banks liabilities or merely book entries.)

NOTE: BANKS THAT ISSUE AND LEND PRIVATELY

CREATED MONEY DEMAND TO BE PAID WITH GOVERNMENT
ISSUED MONEY.

NOWHERE CAN A LAW BE FOUND THAT GIVES BANKS THE AUTHORITY TO

CREATE MONEY BY LENDING THEIR LIABILITIES.

THEY DO THIS THRU LONG HELD TRADE SECRETS AND NOT

GOVERNMENT AUTHORITY. This is not necessarily being done by banks
as corporations but more so by BANKERS.

CONTRACTS:
TO BE VALID CONTRACTS MUST HAVE 6 ELEMENTS
1.PERSON OFFERING CONTRACT MUST BE QUALIFIED
2.PERSON ACCEPTING MUST BE QUALIFIED
3. AGREEMENT, FULL DISCLOSURE AND COMPLETE
UNDERSTANDING BY BOTH PARTIES.
4. CONSIDERATION GIVEN
5. ELEMENT OF TIME TO MAKE IT LAWFUL
6. PARTIES MUST BE OF LAWFUL AGE. (21)

IN CASE OF BANK LOANS- FULL DISCLOSURE AND LACK OF

CONSIDERATION RENDER MOST BANK LOANS NULL AND VOID.

SIGNATURE:-MEANS A MARK OR WRITTEN NAME TO

AUTHENTICATE A WRITING OR DOCUMENT. ONE PLACES A SIGNATURE
ON A DOCUMENT TO AUTHENTICATE THE VALIDITY TO THE DOCUMENT.
FORGERY MEANS TO ALTER A DOCUMENT WITH INTENT TO
DEFRAUD. THIS MAKES THE SIGNATURE NULL AND VOID.
MY SIGNATURE IS NOT LENDING VALIDITY TO THE AUTHENTICITY OF
THE DOCUMENT BECAUSE IT WAS ALTERED.
ALTERING THE DOCUMENT MAKES THE DOCUMENT A FORGERY.

THE WAY THE FRAUD WORKS:

THE BANK KNOWS THEY WILL NOT LOAN ONE CENT OF OTHER DEPOSITORS
MONEY OR LEGAL TENDER TO OBTAIN MY PROMISSORY NOTE.

THEY KNEW THEY WOULD RECORD IT AS A LOAN FROM ME TO THE BANK AND
ENTER THE BANK BOOKKEEPING ENTRY AS IF THEY DEPOSITED IT.

THEY STAMPED THE BACK OF THE NOTE TO VALIDATE IT OR TO HAVE THE

NOTE ACT AS MONEY TO FUND THE CHECK. THAT STAMP AND DEPOSIT
FUNDAMENTALLY ALTERED THE DOCUMENT OR LOAN AGREEMENT ALONG
WITH THE COST AND RISK OF THE LOAN AND DID THE OPPOSITE OF WHAT MY
SIGNATURE HAD ENDORSED.

THE STAMP PAY TO THE ORDER OF ALLOWED THE PROMISSORY NOTE

TO FUND THE CHECK INSTEAD OF OTHER DEPOSITORS MONEY.