Change characters:
Pause game play, select "Quit", set the CPU to control your officer, then quickly 
hold L1 + L2 + R1 + R2 + Select. A window allowing one of up to other eight 
officers to control will appear. 

Secret characters:
Select "New Officer" at the main menu. Choose "Create New Officer" from the new 
officer menu. Choose the name option and enter one of the following case-
sensitive names as they appear, ignoring the order of the first and last name 
boxes. For example, to enter "Abraham" as a last name and "Lincoln" as a first 
name. A musical note will play, and an officer will automatically be created and 
given type, ability, skills, and gender. Select a birthdate, and their face and 
everything else will be completed. 

Abraham Lincoln
Albert Einstein
Ben Franklin
Benedict Arnold
Davy Crockett
Jedidiah Smith
Jim Bridger
John Adams
John Henry
JohnPaul Jones
Kit Carson
Patrick Henry
Paul Bunyan
Paul Revere
Pecos Bill
Red Cloud
Sam Houston
Sitting Bull
Thomas Edison
William Cody
William Seward 

Hint: Lu Bu:
To get Lu Bu, fight Dong Zhou during the Dong Zhou story in an all out war when 
you move your own people. Take all your men and go straight for Lu Bu as soon 
as you find him. Once defeated, take the officer that has him to a very safe place 
and finish the rest of the level. Make sure to have powerful people by starting from 
the beginning, as Lu Bu has 108 war ability. Be sure to take Lu Bu quickly so there 
will be a better chance of getting him, and you do not have to execute him. Note: 
Sometimes Diao Chan will appear. Take her after defeating Lu Bu.

Easy Money 
First you need to have a friend who is a free officer(for best results). The higher 
the relationship level, the better(this almost always works with oath brothers). You 
need to form a band, and invite this friend to join. Be sure to invite only this 
friend.Then, withdraw all money from the band's funds(new bands start at 2000). 
Then, resign from your post as captain. Your friend will try to convince you to stay, 
and when you refuse, he will give you 50 gold. Every time you form a new band 
with that person, it will have 2000 gold in its funds. You easily max out your 
money this way. This can be especially helpful when trying to get all of the items. 

Select Up to 8 Charachters 
While in game go to quit and pick Cpu as all officers. Then press 
L1,L2,R1,R2,select and start. You will be asked who you would like to play as, pick 
up to 8 officers. 

100% Completion Bonuses 
Saving the game after seeing an event/holding an item will add said event/item to 
your in-game log. Finding 100% of either will unlock special bonuses for characters 
created in the Create-A-Character mode. 

Higher stat potential, more skills and more tactics for created characters 
Obtain 100% of the in-game items/weapons 

All NPC portraits for use in created characters
See 100% of the in-game event sequences