May 31, 2022

 
Can also be sent to your notary witness
John-henry;. Doe:  a nontaxpayer as defined by statute
c/o Rural Route 123 Anywhere Street
Townsville, Maryland Republic Near [12345]
Non-Domestic Without the United States
 
 
VIA CERTIFIED MAIL RETURN RECEIPT #____________________
 
 
CREDITOR
ADDRESS
CITY, STATE, ZIP
 
 
Terms, Conditions and Instructions to Tender Payment
 
Notice to Agent is Notice to Principal / Notice to Principal is Notice to Agent
Silence is Acquiescence, Agreement, and Dishonor

Notice:  This document is not intended to threaten, harass, hinder or obstruct any lawful
operations.
It is for the purpose of obtaining lawful and legal remedy as is provided by law and is
tendered with honorable intent.
 
 
RE:  Account #123456
 
To Whom It May Concern:
 
Please find enclosed Promissory Note #245567M made out to CREDITOR to discharge
the above referenced account for closure and settlement
 
This attached Negotiable Instrument Is presented under the authority of UCC 3-104(c),
Spencer v. Sterling Bank, 63 Cal Ap. 4th 1055 (1998), Guaranty Trust Co. OF NY v.
Henwood et. al, 307 U.S. 247 (FN3), the Within Negotiable Instruments, Vol III
(including 2006 supplement) on the Undersigned’s UCC Contract Trust Account.  “The
entire taxing and monetary systems are hereby placed under the UCC.” (Uniform
Commercial Code) – The Federal Tax Lien Act of 1966.
 
Tender in payment to be paid from the Account and Securities Obligation of the United
States presented in terms of the Negotiable Instruments Act of 1881, Public Law 73-10,
Chapter 48, 48 Stat 117, 31 U.S.C. § 3123, 31 U.S.C. § 5103 and 5118, 18 U.S.C § 8, 5
U.S.C. § 1602, UCC 3-311, and the Securities Act 1933 § 2(1), 3(a)(3) 1 for setoff and
discharge.
You are hereby notified that I do hereby tender payment for the above-referenced
obligation of that, and because it concerns property of the United States it is deemed by
law and by operation of Statute to be a government obligation and must be handled in
accord with the dictates of Statute.  I accept the obligation on behalf of the United States
of America and hereby make assignment of the obligation of the United States Treasury
Department on behalf of the United States of America as authorized by statute.  You are
to present the item remittance coupon to the United States Treasury Department or any
Federal Reserve Bank to include any Federal Reserve member Bank to redeem the value
of the obligation.
As per terms of the contract this shall serve as my notice of change in terms of the
contract, canceling and or suspending any acceleration penalties and staying the US debt
obligation for value through acceptance pledging an assignment in full “Since March 9,
1933 the United States has been in a declared State of National Emergency.”
12 U.S. Code § 411:  Issuance to Reserve Banks; Nature of Obligation; Redemption
The said note shall be an obligation of the United States and shall be receivable by all
national and member banks and Federal Reserve Banks and for all taxes, customs, and
other public dues.  They shall be redeemed in lawful money on demand at the Treasury
Department of the United States, in the city of Washington, District of Columbia, or at
any Federal Reserve Bank.
(Dec 23, 1913 chap.6 16(par). 38 stat 265 Jan 30, 1934 chap 6, 9  2(b)(1); 48 stat 337
Aug 29, 1935 chap. 616 title II 48 stat 794)
To provide cooperation by the federal government with the several States and territories
in the District of Columbia reliving the hardship and suffering caused by (sec. 4(a)) out of
the funds to provide for the necessities of life to persons in need as a result of the present
emergency, and or to their dependents whether resident, transient, or homeless.  – The
Federal Emergency Relief Act of 1933 approved May 12, 1933 sec. 4(a).
All ownership of property is in the state.
Under the new law, government obligations are backed by the credit of the nation.  It will
represent a mortgage on all the homes, and other property of all the people of animation.
Senate document 43 of the 73rd Congress first session Congressional Record May 9th
1933 on HJR 1491 page 83.
This note shall be paid discharge and recoupment of said claimed debt as presented
tender in payment. 40 stat 111 § 7(e).  Said claimed debt shall be cancelled with account
closure and full recoupment with this renegotiation original debt NOTE.  Presentment of
this instrument in payment shall be full set off, discharge, recoupment and account
closure of Consumer Creditor, creator, maker, Presumed Debtor, claimed debt or tax
assessment.  This presentment shall nullify and void original county recorded debt
security with this NOTE in payment and full faith and credit issued to original lender,
assignee, agent or Trust upon any communication.  I hereby give permission to the
HOLDER and/or the HOLDER IN DUE COURSE of this Promissory Note to use this
NOTE in any way necessary as a negotiable instrument to be financially traded on
whereas such trade shall terminate the obligation herein.
Failure to follow these terms and conditions, original lender, assignees, claimant,
investor, bearer, or IRS has accepted this NOTE as a negotiable instrument as tender in
payment of said debt and shall balance Lender Debits and Credits accounting
bookkeeping books ledgers under GAAP and FASB.
Claimed debt is to be collected from Account and Security Obligation of the United
States due to the American people via the TREASURY DEPARTMENT from the
account and security obligations of the United States.
Please send receipt for discharge to the address above in care of my notary public/
attesting witness within 3 days of deposit.
As everyone should know, lawful money was removed from our economy by congress in
1933 HJR 192 (House Joint Resolution) and replaced with negotiable instruments.  These
negotiable instruments are considered as legal tender on the same par and category as
federal reserve notes.  They represent a mortgage on all the homes and personal property
of all the American people.   This mortgage was placed without proper legal
authorization by congress and the supreme court required that a remedy had to be given
to the American people who were principals and sureties for the national debt.  This
remedy is to discharge debt for the people who demanded it.  We the People were made
private bankers according to the law with the authority to issue notes to discharge
lawful debts.  This remedy must remain in effect until lawful money and the property is
returned to We the People without any encumbrances.
HJR 192:  “Now there-for be it.  Resolved by the Senate and House of Representatives of
the United States of America in Congress assembled.  That (a) every provision contained
in or made in respect to any obligation which purports to give the obligee a right to
require payment in gold or a particular kind of coin or currency or in an amount in
money of the United States measured thereby, is declared to be against public policy;
and no such policy shall be contained in or made with respect to any obligation hereafter
incurred.  Every obligation, heretofore or hereinafter incurred, whether or not any such
provision is contained therein or made with respect thereto, shall be discharged, dollar for
dollar, in any coin or currency which at the time of payment is legal tender for public
and private debts.”
LEGAL TENDER DEFINED:
Legal tender under the Uniform Commercial Code (U.C.C.), Section 1-201(24) (Official
Comment); “The referenced Official Comment notes that the definition of Money is not
limited to legal tender  under the U.C.C. The test adopted is that of sanction of
government, whether by authorization before issue or adoption afterward, which
recognizes the circulating medium as a part of the official currency of
that government. The narrow view that money is limited to legal tender is rejected.”
 
” In light of the holding of Guaranty Trust Company vs. Henwood, 307 U.S. 247 (1939),
a Federal US court of appeals ruled on Title 31 U.S.C.  § 5118. As of October 27, 1977,
legal tender for discharge of debt is no longer required. That is because legal tender
is not in circulation at par with promises to pay credit. Requirement of repayment of debt
is against Public Policy, since legal tender was not loaned [nor in circulation] they
cannot demand payment in any [particular] form of coin or currency or legal tender
and repayment [or payment] need only be made in equivalent kind; A negotiable
instrument …  “ 
Public Law 73-10 and Title 31 U.S.C. § 5118 prohibits Banks/creditors from demanding
any specific specie of payment. All Banks must process lawful United States currency.
Failure to do so is “interference with commerce”, a felony under the RICO ACT, 18
U.S.C. § 1951. If you believe you have a lawful reason to “Dishonor” this negotiable
instrument you must return it to the Agent above with lawful reason(s) fully stated and
cited, sworn under your unlimited liability.  Failure to provide lawful reason(s), or to
misdirect this instrument, is grounds for a complaint to the FTC and claim under the
FDCPA (Fair Debt Collections Practices Act), 15 U.S.C. § 1692a1.  It is your duty to
honor this instrument for payment, to know, abide by and operate under the law.  18
U.S.C. § 8 applies.  Commercial instruments are legal tender for the payment of debt in
accordance with 31 U.S.C. § 5118 and other statutes and codes.  Failure to process and
credit the intended account will result in a request of the Postal Inspectors office to
investigate and audit the accounts balance sheet and file IRS form 3949A Information
referral to the CID (Criminal Investigation Division) of the IRS.
 
The UCC (Uniform Commercial Code) defines a negotiable instrument as an
unconditional writing that promises or orders the payment of a fixed amount of money.
To be considered negotiable an instrument must meet the requirements stated in Article 3.
U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS § 3-104. NEGOTIABLE
INSTRUMENT. (a)"negotiable instrument" means an unconditional promise or order
to pay a fixed amount of money (b) "Instrument" means a negotiable instrument.
 
 
PLEASE TAKE NOTICE OF THE FOLLOWING:
 
1) FEDERAL RESERVE NOTES ARE WORTHLESS.  The Federal Reserve Bank in its
booklet; MODERN MONEY MECHANICS page 3, states: “In the United States neither
paper currency nor deposits have value as commodities. Intrinsically, a dollar bill is just a
piece of paper, deposits merely book entries.  
 
2) “The “giving a (federal reserve) note does not constitute payment.” See Eckert v.
Burnet, Commissioner of Internal Revenue 42 F.(2d) 158.  
 
3) “The use of a (federal reserve) 'Note' is only a promise to pay.” See Fidelity Savings
Bank v. Grimes 131 P.2d 894.  
 
4) “Legal Tender (federal reserve) Notes are not good and lawful money of the United
States.”  See Rains v. State, 226 S.W. 189
 
5) “That (federal reserve) Notes do not operate as payment in the absence of an
agreement that they shall constitute payment.” See Blackshear Manufacturing Co. v.
Harrell, 2 S.E. 2d 766
 
REJECTION:
Maryland Commercial Law Section 3-603  
 (b)      If tender of payment of an obligation to pay an instrument is made to a person
entitled to enforce the instrument and the tender is refused, there is discharge, to the
extent of the amount of the tender…
 
NOTICE:
 
Failure to accept this Note for deposit and discharge of this debt is lawfully considered
theft, fraud, conspiracy, collusion, racketeering, a denial of due process and domestic
terrorism. I believe there is no evidence to the contrary.  
 
Otherwise, provide lawful proof of claim by presenting to me lawful document(s) that
show that you have the lawful authority to dishonor my Note. Failure to provide lawfully
documented evidence that is certified lawful, true, and correct by notarized affidavit that
is signed under penalties of the law including perjury will be default.  
 
Failure to honor this legal tender requires you to:  Surrender all public hazard bonds,
corporate bonds, blanket bonds, insurance policies, CAFR funds, 401-k(s), 801k(s),
retirement funds, personal wealth and properties, or any other source of revenue as
needed to cure your dishonor in commerce and submit to the authorities for criminal
prosecution.
MORE CASE LAW:
“Evidences of debt are not money and are not legal tender. (checks, credit cards, lines of
credit, demand deposits, credit, letters of credit, and checkbook money)”  Howard &
Foster Co. v. Citizens' Nat. Bank of Union., 33 S.C.202, 130 S.E. 758 Norton Grocery co.
v. Peoples' Nat. Bank, 144 S.E. 501, 151 Va 195
"Checks, drafts, money orders, and bank notes are not lawful money of the United
States". State v. Neilon, 73, Pac. 3211, 43 Ore. 168
"A national bank… cannot lend its credit to another by becoming surety, endorser, or
guarantor for him, such an act being ultra vires…" Merchants' Bank v. Baird 160 F. 642
 
SPECIAL INSTRUCTIONS
Treasury Control Systems (Offset Payments)
1. Non-cash Item-Prepaid Electronic Funds Transfer.  Debit these certified funds onto
your Notes Payable General Ledger Account.
2. Sight Draft of Bankable Paper Guaranteed as Direct Obligation of the United States
Government is considered Cash Money for discharge of any Private or Public Contractual
claim/offer to include those that are verbal.  This valuable document was written in Good
Faith under the Doctrine of Necessity and tendered for Transfers by Assignment of
Account to the Drawee to Render Settlement in Full Satisfaction and Closure to the
Entity Account (XXX here) by transfer of credit on account.
3. This instrument is tendered in good faith in accord and satisfaction pursuant to UCC §
3-311 by use of Instrument.  
4. REDEEM IN LAWFUL MONEY – 12 U.S.C. § 411. AUTHORITIES TO MAKE
CREDITS OR REFUNDS – 26 USC § 6402
Memorandum of Law and Points and Authorities
A. Personal Exemption ID 123456789 – under section UCC § 3-104(f) a draft [or a
promissory note] is the equivalent of a check and may be securitized or monetized by
direct deposit in a commercial checking, time, thrift or savings account under Title 12 of
the United States Code, Section 1813 (L) 1 and when deposited becomes the equivalent
of money as outlined under Section 1813 (L) 1.  The narrow view that money is limited
to legal tender is rejected under Section 1-201 (24) of the UCC.  It is not limited to
United States dollars.  
 
B. UCC 3-603 Tender of Payment (a) If tender of payment of an obligation to pay an
instrument is made to a person entitled to enforce the instrument, the effect of tender is
governed by the principles of law applicable to tender of payment under a simple
contract.  (b) If tender of payment of an obligation to pay an instrument is made to a
person entitled to enforce the instrument and the tender is refused, there is
discharge, to the extent of the amount of the tender, of the obligation of the indorser
or accommodation party having a right of recourse with respect to the obligation to
which the tender relates.  (c) If tender of payment of an amount due on an instrument is
made to a person entitled to enforce the instrument, the obligation of the obligor to pay
interest after the due date on the amount tendered is discharged.  If presentment is
required with respect to an instrument and the obligor is able and ready to pay on the due
date at every place of payment stated in the instrument, the obligor is deemed to have
made tender of payment on the due date to the person entitled to enforce the instrument.
 
C. 31 U.S. Code § 3302 – Custodians of Money.  (1)  A person having custody or
possession of public money, including a disbursing official having public money not for
current expenditure, shall deposit the money without delay in the Treasury or with a
depositary designated by the Secretary of the Treasury under law.  Deposit of funds shall
not be later than the third day after the custodian receives the money.  (d) An official or
agent not complying with subsection (b) of this section may be removed from office. 
 
D. 12 U.S. Code § 411 –  The said notes shall be obligations of the United States and
shall be receivable by all national an member banks and Federal Reserve banks for all
taxes, customs, and other public dues.  They shall be redeemed in lawful money on
demand at the Treasury Department of the United States, in the city of Washington,
District of Columbia, or at any Federal Reserve Bank.  This Money Order is backed by
the full faith and credit of the United States under the obligation of the United States as
defined by 18 U.S. Code § 8.
 
E. 18 U.S. Code § 8 -  Obligation or other security of the United States defined.   The
term “obligation or other security of the United States” includes all bonds, certificates of
indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes,
coupons, United States notes, Treasury notes, gold certificates, silver certificates,
fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or
upon authorized officers of the United States, stamps and other representations of value,
of whatever denomination, issued under and Act of Congress, and cancelled United
States stamps. (see also 12 U.S. Code § 95a (2) )
Unless the original Negotiable Instrument is dishonored in writing within 10 (ten) days
of receipt by the Secretary of the Treasury, Claimant’s financial institution is to release
the credit on hold to the payee (Claimant) with the time stipulated by regulation “Z”,
Truth In Lending Act, or on the date designated, whichever is later.  The amount of this
accepted draft is to be ledgered by Claimant’s financial institution, TTL Department, to
the designated account for the redemption of this claim (Regulation Z).  This statement
constitutes Drawer’s order to pay this instrument upon presentment and endorsement.
 
NOTICE:  
UCC § 3-411 - (b) If the obligated bank wrongfully (i) refuses to pay a cashier’s check of
certified check (money order), (ii) stops payment of a teller’s check or (iii) refuses to pay
a dishonored teller’s check, the person asserting the right to enforce the check is entitled
to compensation for expenses and loss of interest resulting from the nonpayment and may
recover consequential damages if the obligated bank refuses to pay after receiving notice
of particular circumstances giving rise to the damages.  
UCC § 3-104 – Negotiable Instrument. (e) An instrument is a “note” if it is a promise and
a “draft” if it is an order.  If an instrument falls within the definition of both “note” and
“draft”, a person entitled to enforce the instrument may treat it as either. (f) “Check”
means (i) a draft, other than a documentary draft, payable on demand and drawn on a
bank or (ii) a cashier’s check or teller’s check.  An instrument may be a check even
though it is described on its face by another term, such as “money order”.
Therefore, it is hoped that these code references provide the needed encouragement to
uphold the law as intended and remain compliant regarding settlement and closure.
Failure to honor and accept this Note will result in a congressional petition and complaint
to seek redress for this grievance and may potentially subject you to an investigation into
your illegal, unlawful, and predatory banking policies, procedures and practices.  
All rights reserved UCC 3-108
By:  ___________________________________________
Autograph for: JOHN H
DOE
“As Good as Aval” Authorized Representative UCC 3-402
Void where prohibited by Law, Public Policy, or Statute
Jurat and Oath
State of:  Maryland
Frederick County
On the _____day of ___________, 2022 before me,
________________________________, a Notary Public personally appeared, John Doe,
personally known to be or proved to be on the basis of satisfactory evidence of
identification to be one of the people whose name is subscribed to the within
instrument(s) and acknowledged to me that he executed the same in his authorized
capacity, and that by his autograph on the instrument as one of the people or the entity
upon behalf of which the person acted, executed that instrument.
Witnessed, my hand and official seal:__________________________________