400102 M. CUNETA HORMIGON IN SITU TIPO CL 1,00 M ANCHO

The undersigned affiant, being duly sworn on oath, deposes and says: That he or she understands that an exchange is not a loan. X Y Z Bank, hereinafter called "alleged lender" claims that they lent their money to me. A l l e g e d lender c l a i m e d to me that the alleged lender would charge interest as compensation for lending me the alleged lender's money. Financial institution's C P A audit opinions c l a i m that financial institu- tions involved in issuing alleged loans or loans follow Generally Accepted A c c o u n t i n g Principles, G A A P . There is a dispute regarding who loaned what to w h o m regarding the alleged loan. The alleged lender claims that they lent me their money. The alleged lender claims that the alleged lender has loan papers with the affiant's name on it as evidence of a debt. The bookkeeping entries show the opposite and that the affiant was the lender and that the alleged lender was the borrower: A c c o r d i n g to G A A P , this is what happened: the alleged lender and financial institution involved in the alleged loan never lent one cent to the affiant as adequate consideration to purchase the affiant's promissory note. The affiant first became the lender to the alleged lender and the alleged lender was the borrower. A c c o r d i n g to G A A P , the bank recorded the promissory note as a bank asset offset by a bank liability. T h e promissory note was recorded as a bank asset in exchange for credits in the affiant's transaction account or to give value to a check or similar instrument. The matching principle in G A A P requires that there be a matching liability offsetting the promissory note recorded as an asset and that the liability shows that the bank/alleged lender owes the alleged borrower money for the promissory note that was lent to the bank or alleged lender. The promissory note was deposited in a similar manner as cash is deposited into a checking account. Depositing cash or a promissory note into a checking account or a transaction account is the same or similar to loaning the alleged lender the cash or promissory note. A c c o r d i n g to G A A P , the promis- sory note was deposited as a bank asset offset by a bank liability with C o u n t y o f _ _ _ _ _ _ )

) ss.

the bank liability showing that the alleged lender owed the affiant money for the promissory note that was received from the affiant and deposited. W h e n the bank deposited the promissory note and credited the affiant's transaction account, the alleged lender, the one who claims they own the promissory note, recorded a loan from the affiant to the alleged lender, m a k i n g the affiant the lender and the alleged lender the borrower. The alleged lender returned the equivalent in equal value of the loan to I. B e n Robbed, the lender per G A A P . W h e n the money was repaid to I. B e n Robbed, the true lender per G A A P , the alleged lender claimed that the repaid money was a loan to a borrower named I. Ben Robbed and ignored the bookkeeping entries w h i c h proved the money trail of who lent what to w h o m . The alleged lender claims to be the lender using a promissory note to c l a i m they lent money to the affiant but G A A P shows that the opposite happened. The alleged lender did the opposite of what the affiant, I. Ben R o b b e d , understood and believed was to happen, creating an economic effect similar to stealing, counterfeiting and s w i n d l i n g against the affiant, I. B e n Robbed.

The cost and risk of the agreement changed. If the true lender lent $100 to a borrower and the borrower repays the loan, there is equal protection under the law and agreement. There is no economic effect similar to stealing, counterfeiting and stealing and s w i n d l i n g . If the alleged lender steals $100 from the borrower and returns the $100 to the borrower as a loan, the cost and risk changes and the economics of the alleged loan is similar to stealing and s w i n d l i n g .

Signed under penalty of perjury. _____________________________

Affiant

( N o t i c e t o R e a d e r — B e c a r e f u l b e f o r e s i g n i n g t h i s a f f i d a v i t . Y o u m u s t b e s u r e t h a t t h e y r e a l l y c r e a t e d n e w m o n e y . )

County of ) ) ss.

State of )

AFFIDAVIT (Bank)

T h e undersigned affiant, being duly sworn on oath, deposes and says:

That he/she is an officer of X Y Z Bank that claims to hold the promissory note of I. B e n Robbed in the original, principal amount of $______________.

That he/she, as an officer of X Y Z B a n k h o l d i n g said note, has the author- ity to execute this affidavit on behalf of the company and to bind the same to its provisions.

The loan agreement has the f o l l o w i n g terms:

X Y Z Bank follows G A A P (Generally Accepted A c c o u n t i n g Principles). The intent of the loan agreement is that the party who funded the loan, per bookkeeping entries, is to be repaid the money loaned. A c c o r d i n g to the bookkeeping entries, X Y Z Bank used their money as adequate con- sideration to purchase the promissory note of I. B e n Robbed. The prom- issory note was not used as value to give value to a check or similar instrument or checking account. I affirm that I understand the terms and conditions of the loan agreement.

Signed under penalty of perjury. ____________________________

Signature of Officer

John D o e , officer of X Y Z Bank

S w o r n to and subscribed before me this __ of ___________

C o u n t y of ) ) ss.

State of )

AFFIDAVIT (Credit Union)

The undersigned affiant, being duly sworn on oath, deposes and says:

That he/she is an officer of the below named financial institution, a F e d - erally Insured Credit U n i o n , hereinafter called credit union.

That, as an officer of the credit union, he/she has the authority to execute this affidavit on behalf of the credit union and to bind the credit union to its provisions. It is understood that an exchange is not a loan. The credit union loans to borrowers cash or other depositors' money to legally ob- tain possession of the promissory notes.

The credit union affirms it does not act like a moneychanger, receiving a negotiable instrument or c o m m e r c i a l paper, hereinafter "funds", from the borrower. The credit union exchanges funds received from the bor- rower for an equal amount of funds returned to the borrower, c a l l i n g the transaction a loan to the borrower.

The credit union does not deny borrowers' equal protection under the law, money, credit, and agreement.

The credit union complies with and follows all Federal Reserve B a n k rules, policies and procedures. The credit union complies with Gener- ally Accepted Accounting Principles ( G A A P ) as stated in Title 12, Chapter V I I o f the U . S . C o d e o f Federal Regulations (12 C F R 741.6) dealing with the National Credit U n i o n Administration requirements for insur- ance.

The credit union fully discloses to each and every borrower all material facts with respect to all loan agreements as to who is to loan exactly what to w h o m and whether the borrower or the credit union funds the loan check.

The borrower does not provide funds to the credit union which are used to fund a check or similar instrument.

I also affirm that a l l material facts are stated in the written loan agree- ment.

Signed under penalty of perjury. ________________________________

Signature of Officer

John D o e , officer o f X Y Z Credit U n i o n

S w o r n to and subscribed before me this day of

Non-Negotiable