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This text discusses how to write a promissory note that the bank will accept. It emphasizes that every time you sign your name on a document like a credit application or a court document, you are creating a promissory note. Your signature on these documents is your own promissory note, and you are essentially issuing it to the entity that you signed it for. It is important to understand that your signature is the only one on these documents, not the bank's, making it your own property.