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Common-Law Trust Consumer/Consumer Protection Laws/Consumer Credit/Consumer Credit Code/Consumer Credit Protection Act/Consumer Credit Sale/Consumer Credit Transaction/Consumer Debt/Consumer Goods/Consumer Lease Defined Public Notice/Public Record CONSUMER PROTECTION LAWS defined: Federal and state statutes governing sales and credit practices involving consumer goods. Such statutes prohibit and regulate deceptive or unconscionable advertising and sales practices, product quality, credit financing and reporting, debt collection, leases, and other aspects of consumer transactions. For examples of such statutes, see Consumer Credit Protection Act; Consumer Product Safety Commission; Deceptive sales practices; Equal Credit Opportunity Act; Fair Debt Collection Practices Act; Fair Credit Billing Act; Fair Credit Reporting Acts; Magnuson-Moss Warranty Act; Truth-in- Lending Act; Uniform Commercial Code; Uniform Consumer Credit Code. At the federal level, the major regulatory law is the Federal Trade Commission Act. More than half the states have in turn enacted "mini-FTC" laws, which, like the federal, prohibit "unfair or deceptive acts or practices." Blacks Law Dictionary Sixth Edition (page 316) COMSUMER defined: One who consumes. Individuals, who purchase, use, maintain, and dispose of products and services. Users of the final product. A member of that broad class of people who are affected by pricing policies, financing practices, quality of goods and services, credit reporting, debt collection, and other trade practices for which state and federal consumer protection laws are enacted. Consumers are to be distinguished from manufacturers (who produce goods), and wholesalers or retailers (who sell goods). See also Purchaser. A buyer (other than for purposes of resale) of any consumer product, any person to whom such product is transferred during the duration of an implied or written warranty (or service contract) applicable to the product, and any other person who is entitled by the terms of such warranty (or service contract) or under applicable State law to enforce against the warrantor (or service contractor) the obligations of the warranty (or service contract). 15 U.S.C.A. 230l. Blacks Law Dictionary Sixth Edition (page 316) CONSUMER CREDIT defined: Short term loans to individuals for purchase of consumer goods and services. Blacks Law Dictionary Sixth Edition (page 316) CONSUMER CREDIT CODE defined: A uniform law, adopted by several states, with intent and purpose similar to that of the federal Consumer Credit Protection Act (q. v.). Blacks Law Dictionary Sixth Edition (page 316) CONSUMER CREDIT PROTECTION ACT defined: Federal and state acts (commonly referred to as Truth-in-Lending Acts) enacted to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit, by restricting the garnishment of wages, and by regulating the use of credit cards. 15 U.S.C.A. 1601 et seq. In addition to federal and state Truth-in-Lending Acts, several states also require by statute that consumer-loan agreements be written in plain, simplified language. See also Annual percentage rate; Equal Credit Opportunity Act; Fair Credit Billing Act; Fair Credit Reporting Acts; Fair Debt Collection Practices Act; Truth-in-Lending Act; Uniform Consumer Credit Code. Blacks Law Dictionary Sixth Edition (page 316) CONSUMER CREDIT SALE defined: Any sale with respect to which consumer credit is extended or arranged by the seller. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or for a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations un- der the contract. Blacks Law Dictionary Sixth Edition (page 316, 317) CONSUMER CREDIT TRANSACTION defined: Credit offered or extended to a natural person, in which the money, property or service which is the subject of the transaction is primarily for personal, family, household or agricultural purposes and for which either a finance charge is or may be imposed or which,

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pursuant to an agreement, is or may be payable in more than four installments. "Consumer loan" is one type of "consumer credit." Blacks Law Dictionary Sixth Edition (page 317) CONSUMER DEBT defined: Debt incurred by an individual primarily for a personal, family, or household purpose. Bankruptcy Code 101. Blacks Law Dictionary Sixth Edition (page 317) CONSUMER GOODS defined: Goods which are used or bought for use primarily for personal, family or household purposes. U.C.C. 9-109(1). Such goods are not intended for resale or further use in the production of other products. Contrasted with capital goods. See also Consumer product. Blacks Law Dictionary Sixth Edition (page 317) CONSUMER LEASE defined: Lease of consumer goods; also may be applied to lease of dwelling as contrasted with commercial lease. Article 2A of the U.C.C. is concerned with the formation, construction, effect, and enforcement of the consumer lease contracts, as well as the rights and remedies of both lessor and lessee on default. As defined by U.C.C. 2A-I03 is "a lease that a lessor regularly engaged in the business of leasing or selling makes to a lessee, except an organization, who takes under the lease primarily for a personal, family, or household purpose." Disclosure of terms in certain types of consumer leases is governed by Federal Consumer Leasing Act (which is fully integrated into the Federal Truth in Lending Act). 15 U.S.C.A. 1667 et seq. Blacks Law Dictionary Sixth Edition (page 317) Whereby this act defined pursuant to and in accordance with the following U.S. Supreme Court Annotated Statute; Hale v. Henkel, 201 U.S. 43 at 47 (1905): "The individual may stand upon his constitutional rights as a citizen. He is entitled to carry on his private business in his own way. His power to contract is unlimited. He owes no such duty [to submit his books and papers for an examination] to the State, since he receives nothing therefrom, beyond the protection of his life and property. His rights are such as existed by the law of the land [Common Law] long antecedent to the organization of the State, and can only be taken from him by due process of law, and in accordance with the Constitution. Among his rights are a refusal to incriminate himself, and the immunity of himself and his property from arrest or seizure except under a warrant of the law. He owes nothing to the public so long as he does not trespass upon their rights." Hale v. Henkel, 201 U.S. 43 at 47 (1905). PRIVATE defined: Affecting or belonging to private individuals, as distinct from the public generally. Not official; not clothed with office. People v. Powell, 280 Mich. 699, 274 N.W. 37 2, 373. Blacks Law Dictionary Sixth Edition (page 1195). Sui Juris, known as: John, of the genealogy of Doe freeborn spiritual being on the land state the facts contained herein are true, correct, complete, and not misleading, to the best of my personal first hand knowledge and belief. Being of sound mind, competent, over the age of 18. This my free will, voluntary act and deed to make, execute, seal, acknowledge and deliver under my hand and seal with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion, whereby I did not sign nor consent. I am not now nor have ever been a U.S. Citizen or a Fourteenth Amendment Federal Citizen or Employee, I am not bound by sworn oath or oath of office. Whereas I hereby disclaim Clauses One and Two of Section One to the Fourteenth Amendment, together with Article Four Section Three Clause Two. Without the U.S. Should this not be true then let the record be corrected or it will stand as truth. Time is of the essence. Veracity; In my Private Capacity as General Administrator of said account Droit, Droit, This serves Notice that your offer has been Accepted as Valuable Consideration and Returned for Value. This property is Exempt from Levy. Please Adjust this Account for the Proceeds, Products, Accounts and Fixtures and Release The Order(s) of The Court to Me Immediately. Make adjustment and close this account immediately, with prejudice. I accept your Oath, Oath of Office Security Agreement, Constitutions as bylaws, and Malfeasance Bond and place you in the Private commencing this self-executing binding contract between you and I. Further, I appoint you trustee Fully Personally Liable Now on your honor and solemn Oath to perform your obligations and duties to Protect My un-a-lien-able Rights in your Fiduciary Capacity against any and all claims, legal actions, orders, warrants, judgments, demands, liabilities, losses,

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foreclosure, depositions, summonses, lawsuits, costs, fines, liens, levies, penalties, taxes, damages, interests, and expenses whatsoever, both absolute and contingent, as are due and as might become due, now existing and as might hereafter arise, and as might be suffered by, imposed on, and incurred by Debtor for any and every reason, purpose, and cause whatsoever. Please honor Obligation of Good Faith in Performance of your Duties. Quid Pro Quos, an equal exchange or substitution. Maxim of Common Law Quod per recordum probatum, non debet esse negatum. What is proved by the record, ought not to be denied. Maxim of Common Law Salus populi est suprema lex. The safety of the people is the supreme law. Bacon's Max. in Reg. 12; Broom's Max. 1. This my free will, voluntary act and deed true and lawful attorney-in-fact to make, execute, seal, acknowledge and deliver under my hand and seal, explicitly reserving all rights without prejudice; By:__________________________________________ Sui Juris known as; John of the genealogy of Doe Bailor for JOHN DOE Bailee ___________________________________________ Ran, Roe Third Party Witness "Sealed and delivered in the presence of us." ___________________________________________ James, Roe Third Party Witness "Sealed and delivered in the presence of us." STATE OF ILLINOIS ) ) SS: COUNTY OF COOK ) CERTIFICATE OF ACKNOWLEDGMENT On this date the individual named above, in his/her stated capacity, personally appeared before me to execute this acknowledgement that this instrument was signed, sealed, and delivered as their free will, voluntary act and deed to make, execute, seal, acknowledge and deliver under their hand and seal verified and authenticated for the uses and purposes therein mentioned. ACTA PUBLICA. _____________________ DATE AFFIX NOTARY SEAL IF REQUIRED _________________________________ Signature of NOTARY PUBLIC

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NOTICE: Public acts defined: are those which have a public authority, and which have been made before public officers, are authorized by a public seal, have been made public by the authority of a magistrate, or which have been extracted and been properly authenticate d from public records. Blacks Law Dictionary Sixth Edition (page 26)