Non-Negotiable
Charge Back
                                                                                                                                                   


John W. Snow, Secretary                                              May 6, 2003
Department of Treasury
1500 Pennsylvania Avenue NW
Washington, DC 20220                                         

Dear Mr. Secretary:

Enclosed you will find a copy of the Registered Security which I have sent to you to open my
Treasury Direct Account.  I accept for value all related endorsements in accordance with both
UCC 3-419 and HRJ-192.   Charge my Treasury Direct Account, Employer  Identification
Number 3--------- for the registration fees and  command the memory of account number
3-------- to charge the same to the debtor's Order or your Order.

The total amount of this NON-NEGOTIABLE ACCEPTANCE FOR VALUE in the enclosed
filing is  $ 1,000,000.00

Posted Registered Account #  RR463870667US
Invoice # RRK112376036493-03340713

                                                     Pre-paid -- Preferred Stock
                                                     Priority -- Exempt from Levy
                                                                                                                                                                                                                                                             
                                                     Res/In Rem

                               ________________________________________________________                                                                                                          
.                                                    Raymond Ronald Karczewski©   
                                     Employer I.D # 3----------   Trustee, but not Individually                                                                              
                                                                               
                                                       Raymond Ronald Karczewski©
                                                       c/o  PO Box 1870
                                                       [97523] Cave Junction
                                                       OREGON
                                                       Phone (541) 592-4244

Attachment  1)  Non-Negotiable Bill of Exchange
                      2) Copy of Birth Certificate  #112376036493---------