Exhibit 3

Exhibit 3.0
Follow up Letter to Merchants Bank

_________(Begin Exhibit)_________

I sent a letter to the Tulsa office on October 21, 2002 (not the 29th, as stated in your letter to me of November 7th), a copy of which is attached, asking for information regarding how Direct Merchants Bank operates and how charges and the like are handled within its system. My questions remain unanswered, but I have done considerable research regarding these matters. Direct Merchants Bank has failed or refused to answer my questions within the stipulated time, so by its silence, Direct Merchants Bank admits, by acquiescence, that it is doing as other banks are, namely, loaning or creating credit on its books. If you can prove to me that your bank actually gave me or the vendors involved something other than an electronic entry using my charge as a deposit on your books in order to create an electronic deposit to the vendors’ accounts (checkbook money), then I will be willing to pay the balance due.

In addition to my original questions, I would also like you to provide the following information: 1) A copy of the bank charter, and 2) The names of all of the members of the Board of Directors.

I am in possession of a booklet published by the Federal Reserve Bank of Chicago called “Modern Money Mechanics,” which describes who creates money. The Court decision in First National Bank of Montgomery v. Jerome Daly (1968 Minn. Case; jury reached its verdict Dec. 7, 1968 Local case; did not go to appeal or Supreme Court Cite not found.) prohibits banks from creating money and credit upon their own books by means of bookkeeping entries. It is my belief that this is what you are doing and that this is fraud. I will not be a party to this fraud.

Please respond within ten (10) days from receipt of this letter with all of the information I have requested. If you fail to answer, rebut or refute, with particularity, the questions and statements in this letter, I will consider my account with you closed and this matter settled. Please take care to sign any further correspondence under penalty of perjury and send it only to the address exactly as it appears above. Thank you in advance for your cooperation.