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The Private Bankers National Banking Association (PB NBA) promotes the use of promissory notes as legal tender. Private bankers, as defined by Black's Law Dictionary, issue notes intended to circulate as money. A private banker is an unincorporated financial institution and is authorized by federal law. The PB NBA endorses promissory notes as a form of payment under UCC section 2-304. The IRS Code states that only gold and silver coins are lawful money in the USA.
