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thanks all says credit agreements to create money banks do not loan money bank are suppositories depositories I should say Bank Cross has promised rate no credit agreement to create and make money out of thin air based on your signature alone is just a crazy agreement a promissory note alone or FRN money cannot exist until you sign your name as a creditor giving them cash value consideration and lawful money first after signing your name on a credit agreement promissory note the bank converts your creditor signature into a debt and loan your money back to you in the form of a bank loan after converting your money to CR in dollars and you never know the difference the bank makes a debtor out of it creditor and both of these are you think about it our process credit agreement debt payoff cap securities that cancel one mortgage dot in home or in state license legally process promissory note credit agreement hey um verified security use for debt payoff and banks have accepted having maturi