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Michael Tillinger discusses the complexities of banking, promissory notes, and exchanges, stemming from his experiences with the banks and the Supreme Court of Johannesburg. After facing challenges against skilled lawyers representing financial institutions, he gained substantial knowledge about these issues, which he aims to share due to the numerous inquiries he receives weekly about promissory notes. This video serves to provide a comprehensive explanation and record of the information for those seeking to understand and utilize promissory notes effectively.