NOTICE AND DECLARATION OF FRAUD Notice to agent is notice to principal. Notice to principal is notice to agent.

Augusta, Georgia Richmond County Bank of America Original Account #: _________________ That I, Joe Blow, a living breathing man being first duly sworn, depose, say and declare by my signature that following facts are true to the best of my knowled ge and belief. 1. I declare that Bank of America never lawfully loaned me their money nor l oaned me their credit. 2. The Federal Reserve Bank of Chicago: Modern Money Mechanics. Page 6, Last Paragraph states, "What they [banks] do when they make loans is to accept promi ssory notes in exchange for credits to the borrowers' transaction accounts. Loan s (assets) and deposits (liabilities) both rise by [the amount of the "loan"]." credit=debt=money=payment 3. If the alleged debt is true, you converted a promissory note, payment, into "funds" that you then "loaned" back to me. You are claiming I would have to pay Bank of America again, plus interest. 4. Nowhere in the alleged agreement does it say that I am providing the valu e (through the alleged promissory note that you received from me) to fund this a lleged loan. 5. Bank of America created a contract without full disclosure and never put legal tender or lawful money into the credit account. 6. There was no lawful consideration tendered by Bank of America to support the alleged credit card debt. A lawful consideration must exist and be tendered to support the Note. See Ansheuser-Busch Brewing Company v. Emma Mason, 44 Minn. 318, 46 N.W. 558. 7. The Law leaves wrongdoers where it finds them. See sections 50, 51 and 52 of Am Jur 2nd "Actions" on page 584 "no action will lie to recover on a claim b ased upon, or in any manner depending upon, a fraudulent, illegal, or immoral tr ansaction or contract to which Plaintiff was a party." 8. Bank of America's act of creating money on account is not authorized by t he Constitution and Laws of the United States, is unconstitutional and void, and is not a lawful consideration in the eyes of the Law to support anything or upo n which any lawful right can be built. 9. In Howard & Foster Co. vs. Citizens National Bank of Union, 133 S.C. 202; 130 SE 758, (1927), it was stated, It has been settled beyond controversy that a national bank, under Federal law, being limited in its power and capacity, cann ot lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon the corporati on. 10. As it is unlawful for banks to loan their credit then Bank of America fraud ulently loaned me my credit without telling me thus stealing my credit and makin g me pay for it. Bank of America is guilty of bank fraud and mail fraud all the way around.

11. Bank of America also never loaned me its money as it is prohibited for a ban k to lend its assets under USC title 12.

Please total and return to me, plus the interest rate you charged, the payments I mistakenly made to you over the life of this alleged loan on all accounts. Failure to provide me with a written letter by your agency/law firm of non-existence of debt within 10 days will result in the actions mentioned below. Failure to purge all derogatory credit reporting from any credit agencies, including Experian, Equifax, and TransUnion without validity of the aforementioned debt shall be considered an act of fraud.

Illegal extortion of funds Punitive damages General damages Exemplary damages Special damages Inability to obtain fresh credit for filing judgments against my credit bureau and/or such further & other relief as I deem necessary to seek.

THAT, this notice if not rebutted by any man, representing (creditor) at any lev el, in any matter, at any time within 10 days upon receipt, these facts stands a s true in the both the private and public record. NOTE: Maxim of Law - 1. In Commerce Truth is sovereign. 2. For a matter to be re solved, it must be expressed. Point of Law Silence equates to agreement.

Done this ____day of ______________ 2009 A.D.

________________________________ - Print ________________________________- Signature of Principal ACKNOWLEDGEMENT SUBCRIBED TO AND SWORN before me this _____day of ________________, A.D. 2009, a Notary, that______________________, personally appeared and known to me to be t he man whose name subscribed to the within instrument and acknowledged to be the same.

____________________________________ (Seal) Notary Public in and for said State My Commission expires; _______________