You are about to embark on a transformative journey into the world of Private Banking.

In this section you will learn how Patrick Devine established and utilized three essential
entities - his Estate, Private Bank, and Foreign Grantor Trust - for banking, tax
optimization, and asset protection purposes.

With detailed instructions and insights, this book simplifies Patrick Devines process of
dealing with the IRS and banking procedures. Whether you're just starting or looking to
deepen your understanding of his teachings, you'll find valuable information on how he
paid bills, settled taxes, acquired property, and more using these powerful financial
tools.

This is the step-by-step instructions that Patrick did to establish and operate these
entities effectively. It is our aim to give you a thorough understanding of their functions
and benefits, in hopes to empower you to navigate the world of finance with ease and
efficiency.

Patrick Devine was a trailblazer in the field of private banking and financial sovereignty.
Devine's relentless pursuit of knowledge and unwavering dedication culminated in the
discovery of a remedy for liberating individuals from the constraints of the monetary
system.

Over the course of nine years, Devine meticulously researched, analyzed and processed
a staggering 5,560 documents, essays, and submissions to various governmental
bodies, including the IRS, state, and federal authorities. His breakthrough came in 2016
when he unlocked the key to freedom.

Then he disappeared and said, "Now it's up to you to set yourselves free."

This book dives into the final process of Patrick Devine's groundbreaking work, serving
as a tribute to his immense contributions as a mentor and teacher in the realm of
financial sovereignty. Devine has been a guiding light for millions, shaping the "truth"
movement into what it is today.

Among his many accomplishments, Devine was the first to unveil the significance of IRS
forms such as 1099 A, 1099 B, 1099C, and 1099-OID, as well as the SS4 Foreign Grantor
Trust and GSA forms SF30, SF1414, SF1415, SF1416, SF1418, and SF1047. He
emphasized the crucial role of Performance and Payment Bonds as surety fidelity bonds
and elucidated the process of establishing a UCC contract Trust.
Moreover, Devine comprehensively understood the operation of the Treasury system in
its private capacity. He successfully operated his own Private Bank, assuming roles
such as Individual Banker, Banking Examiner, Bounty Hunter, Private Attorney General,
Attorney in Fact, Post Master, Executive Officer, Commissioner, Guarantor, and many
other titles of authority.

In many ways, Patrick Devine can be likened to the "John Wick" of our generation,
relentless in his pursuit of freedom for himself and all who sought his wisdom. His
legacy lives on, inspiring individuals worldwide to break free from financial constraints
and take control of their own destinies.

Why is an ESTATE EIN essential?

In Black's Law Dictionary, an estate is defined as the degree, quantity, nature, and extent
of interest that a person has in real and personal property. It can also refer to the
aggregate of a person's property, liabilities, and assets left by an individual at death.
Additionally, it can signify the property of a deceased person, both real and personal,
which is administered by an executor or administrator for the purpose of settling the
estate and distributing the assets to the heirs or beneficiaries.

IRS.gov explains that the purpose of an SS-4 EIN (Employer Identification Number) for
an estate is to identify the estate as a legal entity for tax purposes. This unique
nine-digit number is assigned by the IRS and is used to track the estate's financial
activities, such as filing taxes, opening bank accounts, and conducting business
transactions. The SS-4 EIN helps differentiate the estate from its beneficiaries (You are
the beneficial owner who enjoys the benefits of ownership even though the title to some
form of property is in another name - strawman) and allows for proper reporting of
income, deductions, and distributions.

Patrick Devine found the significance of establishing an Estate for banking purposes
became increasingly apparent. Consider a scenario where you purchased a house.
Unbeknownst to you, you were inadvertently acting as a public banker in this
transaction. When you signed the promissory note to purchase the house, you were
essentially issuing a security or money. In simpler terms, you provided a blank check in
the form of a promissory note to the seller. The seller then endorsed the back of the

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promissory note (or blank check) and exchanged it at the local Federal Reserve Bank for
Federal Reserve Notes (cash), all without informing you.

But the story doesn't end there. The seller then sold your promissory note (or blank
check) on the secondary market to a financial institution like Ally Bank or Capital One
Auto Finance. Subsequently, you began making monthly mortgage payments for the
next several years, including interest, on a property that was essentially paid for by the
promissory note you issued initially.

Understanding this process reveals that you inadvertently lent yourself money at
interest. Realizing the complexities and potential pitfalls of the commercial system, you
decide to discontinue acting as a public banker. This is where the need for an Estate and
an ESTATE EIN arises.

By creating an Estate, you essentially bring the public banker (named after you) into your
Estate, as it holds your assets. This public banker also serves as a fiscal agent,
safeguarding your Birth Certificate and Social Security card, which are considered
Treasury banking assets. Your public banker is the only entity capable of claiming back
those abandoned funds and returning them to you. Therefore, you protect this public
banker by placing it within your Estate & Private Bank.

The IRS issues an EIN (Employer Identification Number) for your Estate. This unique
nine-digit number serves two primary functions. Firstly, it acts as a mask for your SSN
(Social Security Number), which essentially functions as an open-ended credit card.
Secondly, your EIN also serves as a routing number. The IRS requires accurate address
information for entities, and your EIN is linked to your home address. For instance, if you
are anticipating a tax return, your EIN informs the IRS where to direct the funds.
Additionally, the ESTATE EIN serves as the checking account routing number of your
Private Bank, providing you with a structured and legally protected financial framework.

Why Establish a Private Bank EIN?

Black's Law Dictionary defines a private bank as "a bank owned by an individual
(Individual Banker), partnership, or a closely held corporation, as distinguished from a
bank owned by a state or a publicly traded corporation." In the context of private banking
as discussed in financial sovereignty movements, a private bank often refers to a
concept where individuals (Individual Banker) establish their own banking system,
typically using legal structures like trusts or entities, to manage their finances outside of

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traditional banking institutions. This concept is used to assert greater control (Secured
Party) over one's financial affairs and to navigate certain legal and financial systems
differently.

The purpose of obtaining an SS-4 Employer Identification Number (EIN) for a private
bank is to establish a separate legal entity for banking and financial purposes. This EIN
serves as the identification number (Account Number) for the private bank, similar to
how a Social Security Number (SSN) identifies an individual.

For financial sovereignty purposes, individuals use the private bank's EIN to create a
distinct legal entity that can engage in financial transactions, open bank accounts, and
manage assets. This separation of the private bank from personal identity (SSN) helps
protect privacy and assert control over financial affairs. The EIN is used for various
banking and tax-related activities, including filing taxes, opening accounts, and
conducting financial transactions on behalf of the private bank.

Establishing a Private Bank EIN not only provides security against identity theft and
fraud but also serves as the account number for your Private Bank. Your Private Bank
acts as a repository for your Estate (checking account) and Foreign Grantor Trust
(savings account), allowing you to manage your assets securely and privately. This
setup ensures that your financial transactions are protected and enables you to conduct
business. For instance, when acquiring a property, vehicle, boat, etc. instead of using
your SSN number as you would in the past, you can now use your Private Bank EIN
number to safeguard your personal information and to bring those assets into your
Private control not registered with the STATE OF______.

It's important to note that a Private Bank operates as a "not for profit" entity, focusing on
equitable exchanges rather than profit. For example, when you trade a product for $100,
you're engaging in an exchange of value rather than making a profit. This concept
emphasizes the idea that currency is simply a medium of exchange for the value of your
time and labor.

Your Private Bank can interact with both public and private corporations, with the
Trustee of your Private Bank acting as an Attorney-in-Fact. In the realm of commerce,
everything is considered "dead," (Just like your estate “decedent”) meaning that the
entities you create, such as your Private Bank or Estate, are legal constructs designed to
facilitate transactions. While you may control these entities, you do not technically own

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them; they are owned by the IRS, which created them for your benefit. Own nothing,
control everything.

Why establish a Foreign Grantor Trust?

Black's Law Dictionary defines a “grantor trust” as a trust in which the grantor retains
certain rights or powers that bring the trust's income back to the grantor for tax
purposes. In a grantor trust, the grantor is typically responsible for paying the income
taxes on income generated by the trust, even if the income is not actually distributed to
the grantor. This arrangement allows the grantor to retain some control over the assets
placed in the trust while still benefiting from any income generated by those assets.

Black's Law Dictionary defines "foreign" as relating to, or connected with, another nation
or jurisdiction; outside one's own jurisdiction.

Note: add detail about trusts Grantor, trustee, and beneficiary

Setting up your Foreign Grantor Trust is crucial for tax and privacy purposes. By creating
this trust outside the jurisdiction of the UNITED STATES, you can avoid certain taxes and
maintain a higher level of privacy for your assets. For instance, when acquiring property
like a house, you can use the Trustee of your Private Bank to sign the contract and place
the property under the name of your Foreign Grantor Trust. This arrangement can
exempt your house from property taxes, HOA fees, and other public fees. Additionally,
assets held in a Foreign Grantor Trust are not as easily accessible to the public, offering
you a higher degree of privacy. This strategy allows you to keep your assets off the grid,
ensuring both privacy and potential tax advantages. Understanding the purpose and
proper use of these entities is essential for effectively managing your financial affairs.

In the context of financial sovereignty, the Foreign Grantor Trust, Estate EIN, and Private
Banker's EIN are interconnected entities that serve distinct purposes:

​ Foreign Grantor Trust (FGT): The FGT is a legal entity established outside the
jurisdiction of the UNITED STATES. It will be used for asset protection and tax
planning purposes. Assets held in the FGT are considered separate from the
individual's personal assets, providing a level of protection from creditors and
legal claims. The FGT can also offer tax advantages, as income generated within
the trust may be subject to different tax rules than if held directly by the
individual.
​

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​ Estate EIN: The Estate EIN is assigned to the estate of a deceased individual.
(Strawman) In the context of financial sovereignty, the Estate EIN is used to
establish a legal entity to manage the individual's assets (Credits) and liabilities
(Unlimited Liability) after their death. This entity can be used to hold assets,
settle debts, and distribute inheritance according to the individual's wishes.
(Secured Party)
​
​ Private Banker's EIN: The Private Banker's EIN is assigned to the individual
(Individual Banker) acting as the fiduciary of the Estate and FGT. (IRS Form 56F)
The Private Banker manages the financial affairs of these entities, including
banking transactions, investments, and asset protection strategies. The Private
Banker's EIN serves as the account number for the Private Bank, which houses
the assets of the Estate and FGT.

Together, these entities form a comprehensive financial strategy aimed at maximizing

asset protection, minimizing tax liabilities, and ensuring efficient management of
financial affairs. The interplay between the FGT, Estate EIN, and Private Banker's EIN
allows individuals to exercise greater control over their financial destiny and achieve a
higher level of financial sovereignty.

This is why Patrick Devine’s final process was so powerful he created the ultimate in financial
operation and protection which gave birth to PATRICK DEVINE PRIVATE BANK E&T

Setting Up Your Estate/Private Bank & Foreign Grantor Trust

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Learn how to create and use three powerful entities for banking, taxes, and asset
protection. Discover how to pay bills, collect taxes, and acquire property with your own
Estate, Private Bank, and Foreign Grantor Trust. Navigate the intricate world of the IRS
& banking with confidence and ease with this easy-to-follow guide.

In this indispensable guide, you will find step-by-step instructions to help you
establish with the IRS your Estate, Private Bank, and Foreign Grantor Trust. You will
also learn the function and benefits of each entity, as well as how to use them in
commerce effectively.

This book is the first stage of your journey to mastering the art of IRS forms &
banking. Whether you are a beginner or an expert, you will find valuable insights and
practical tips to help you achieve your financial goals.

Learn and Test Your Knowledge

This guide also includes a Frequently Asked Questions section that answers some
of the most common queries and challenges related to completing the SS-4. You will
find clear and concise explanations that will help you overcome any doubts or difficulties
you may encounter.

Additionally, you will have access to a Test Your Knowledge quiz that will assess
your understanding of the key concepts and skills covered in this guide. This is a great
way to reinforce your learning and measure your progress. You will also receive feedback
and guidance on how to improve your performance.

By completing this book and taking the quiz, you will have a solid understanding
of how to complete IRS form SS-4 to establish your three entities and how the entities

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are to be utilized. No more confusing instructions, half- assed explanations, no evidence
of success, overpriced material and services from social media Gurus. THAT
DOESN’T WORK!

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Contents

Intro...........................................................................................1

IRS SS-4 INSTRUCTIONS...........................................................................................10

Why do I need an ESTATE EIN?...............................................................................XX

Why Do I Need A Private Bank EIN?.......................................................................XX

Why do I need a Foreign Grantor Trust? ................................................................XX

IRS FORM SS-4 ESTATE (PAPER EXAMPLE) .............................................XX

IRS FORM SS-4 (ONLINE EXAMPLE)..........................................................XX

IRS FORM SS-4 PRIVATE BANK (PAPER EXAMPLE) ..............................XX

IRS FORM SS-4 PRIVATE BANK (ONLINE EXAMPLE) ..........................XX

IRS FORM SS-4 FOREIGN GRANTOR TRUST (PAPER EXAMPLE)....XX

Transcript of Call to IRS Regarding a FGT................................................................XX

FREQUENTLY ASKED QUESTIONS .................................................................XX

Test Your Knowledge ..............................................................................................XX

Answer Key.............................................................................................................XX
Services..................................................................................................................XX
Consultations .........................................................................................................XX

My Personal Success Story Using my Estate EIN ....................................................XX

Contact US..............................................................................................................XX

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IRS SS-4 INSTRUCTIONS

Note: The Instructions for Form SS-4 begin on the next page of this document.

Attention Limit of one (1) Employer Identification Number (EIN) Issuance per
Business Day

Effective May 21, 2012, to ensure fair and equitable treatment for all taxpayers, the
Internal Revenue Service (IRS) will limit Employer Identification Number (EIN)
issuance to one per responsible party per day. For trusts, the limitation is applied to the
grantor, owner, or trustor. For estates, the limitation is applied to the decedent
(decedent estate) or the debtor (bankruptcy estate). This limitation is applicable to all
requests for EINs whether online or by phone, fax or mail. We apologize for any
inconvenience this may cause.

DISCLAIMER

You are responsible for reading the IRS instructions to gain an understanding of what
you are doing before you act. By continuing, you agree to indemnify and hold harmless
CREDITOR ACADEMY, its officers, directors, employees, and agents from any claims,
damages, losses or liabilities that may arise from this agreement.

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Why do I need an ESTATE EIN?

The reason you are establishing an Estate is for banking purposes. Each entity
serves a different function. Remember that car you purchased back in 2018? Well, you
were unaware that you were acting in the capacity of a public banker. When you signed
your promissory note in exchange for your automobile, you were issuing a security or
money. In layman’s terms, you gave a blank check in the form of a promissory note to
the dealership. The dealer endorsed the back of the promissory note or (Blank check)
and exchanged it at the local Federal Reserve Bank for Federal Reserve Notes (cash) and
never said a word to you about it! It doesn’t end there! Next, they sold your promissory
note or (Blank check) on a secondary market to Ally Bank or Capital One Auto
Finance. You began making monthly payments for the next 72 months at 13% interest
on an automobile that was already paid for by the promissory note you issued to the
dealer.

If you understand what I just said, then you understand that you lent yourself
money at interest. Now that you have an idea of the insanity taking place in commerce,
you no longer wish to act in the capacity of a public banker. You create an Estate and
drag that public banker named after you into your Estate because it is holding your
assets. Your public banker is also a fiscal agent, created to protect your Birth Certificate
and Social Security card which are Treasury banking assets. Your public banker is the
only one who can claim back those abandoned funds and give them to you, so you
protect him by placing him inside your Estate & Private Bank.

The IRS will issue you an EIN number which is an Employer Identification
Number. This unique nine-digit number has two functions. One, it masks your SSN
number which acts as an open ended credit card. Your EIN number is also a routing
number. The IRS is big on having the correct address for an entity. Your EIN number is

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attached to your home address. If you’re expecting a tax return your EIN number tells
the IRS where to route the funds! Once your Estate is established the Estate now has a
lien or a claim on all the securities issued by your public banker.

With an Estate you can travel back as far as you can remember and claim those
abandoned funds to be returned to you. Stay tuned and we will discuss how to use your
Private Bank in the next subsection.

Why Do I Need A Private Bank EIN?

The reason you are establishing a Private Bank are for new contracts and
acquisitions. Your public banker was issuing securities all over the place, with blank
endorsements, making you a haven for identity theft and fraud. You no longer wish to
engage in public banking, you prefer Private Banking now. Now, let’s go over an
example of how you may use your Private Bank. You found a beautiful Farmhouse you
want to acquire. Recall in the past, on new contracts you would issue your SSN
number, which is a credit card number. You know better this time around and you wish
to protect yourself from identity theft and fraud. On the new contract for the
Farmhouse, you will use your Private Bank EIN number in place of your SSN number.

Your Private Bank is a “not for profit” entity. Profit is usury, exchange is not. For
example, I traded my product with you for $50, did I make a profit? NO! We conducted
an exchange. I poured my time and labor into this product and established a value for it.
You saw value in my product, so you exchanged your time and labor worth $50 for my
time and labor worth $50. Your $50 has your time and labor attached to it because you
had to work to earn that $50. This is an example of Equity. You and I are exchanging our
time and labor with each other. The $50 is simply a medium of exchange, a way to
convert our time & labor so that we may exchange it amongst each other. This is an
example of banking and equity.

Your Private Bank can interface with public and private corporations. The
Trustee of your Private Bank is also an Attorney-in-Fact. What you must understand is
that everything in commerce is dead. You’re creating your fictional persons to interface

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in commerce for your benefit. Do you own your Private Bank or the Estate? NO! You
own none of those entities, the IRS owns them because they created them for you;
however, you control them. “Own nothing, control everything” is the name of the
game.

Why do I need a Foreign Grantor Trust?

The reason you are establishing your Foreign Grantor Trust are for tax purposes.
Your Foreign Grantor Trust was created outside of the United States jurisdiction and
therefore not subject to taxation. Remember that Farmhouse you wanted to acquire?
You would use the Trustee of your Private Bank to sign the contract for the Farmhouse.
You would place the property in the name of your Foreign Grantor Trust. Your
Farmhouse is now exempt from property taxes, HOA fees, etc. It is also off limits to
public view. Did you know that you can visit Zillow.com to see anyone’s home or search
the county records for information on the property and its owners? With a Foreign
Grantor Trust your Farmhouse is off grid. The ultimate form of privacy and tax
exemption. Now that you have a basic idea of why you are creating these three entities
and how you should use them, let’s move on and set-up your entities. This is the most
important part of the process. Think of it as playing a video game and you are giving
your three entities its armor and assigning what your entities can and can’t do.

IRS FORM SS-4 ESTATE (ONLINE EXAMPLE)

IRS FORM SS-4 ESTATE (PAPER EXAMPLE)

IRS FORM SS-4 PRIVATE BANK (ONLINE EXAMPLE)

IRS FORM SS-4 PRIVATE BANK (PAPER EXAMPLE)

IRS FORM SS-4 FOREIGN GRANTOR TRUST (PAPER EXAMPLE)

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FREQUENTLY ASKED QUESTIONS

Q. Will establishing an Estate affect my job or government benefits such as SSI,

VA compensation or Food stamps?

A. No! Establishing an Estate will not affect your job, or any benefits you receive.

Q. Since my Foreign Grantor Trust is tax exempt, can I use it on a contract for a
house or car?

A. NO! You never put your Foreign Grantor Trust on any new contracts. For
new contracts you will use your Private Bank. The Foreign Grantor Trust acts as a cloak
to hide your assets from public view and any form of taxation.

Q. Can I use my taxpayer/Responsible Party to lend money to my Estate?

A. Yes. You can borrow from yourself. Believe it or not everything you have ever
purchased you have done so by borrowing from yourself.

Q. Will I need to file tax returns to the IRS?

A. Yes! You want to get paid, don’t you? Your taxpayer/responsible party is a
debtor to YOU, not to any other business/corporation. Your taxpayer/responsible party
is called a transmitting utility. It passes or transmits tax payments to your Estate or
Private Bank, whichever you choose for tax purposes.

Q. Why am I writing the name of my Executor/Trustee name as “Jane-Mary

Doe” for my Estate, “Jane: Doe” for my Private Bank & “Jane-Mary: Doe” for my
Foreign Grantor Trust, why can’t they all be the same?

A. The reason for this is because you are creating fictional derivatives of yourself
to interface in commerce. The names are different so that you don’t become confused
when using your entities in commerce. For example, 5 years ago you left behind $1,000

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you paid on a Capital One Credit Card, and you would like to send one of your fictions
to recover it for you. Which fiction would you send? In this scenario you would send? In
this scenario you’d send Jane-Mary: Doe, the Executor of your Estate to recover the
$1,000 for you.

Q. I have an EIN number for my business, will the Estate or Private Bank EIN
affect my business EIN?

A. No, your business EIN will not be affected by the creation of an Estate or
Private Bank

Q. I changed my name on my SSN card, which name should I use?

A. I recommend using the most recent name change as it appears on your most
recent SSN card.

Q. I would like to set up my Estate, Private Bank and Foreign Grantor Trust but
I’m not comfortable doing it on my own. Do you offer any EIN set-up services?

A. Yes, contact us at [email protected] with a request for assistance.

You will receive a questionnaire as we will need you to provide us your private
information so that we may create the entities for you. The cost for his service is $99.

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