Rebirth 79: I opened a bank in the United States

Chapter 141 The Bad Taste of Using the Official Seal

"I should stay in Atlanta for another two years. To put it bluntly, I need you to assure me that there will be no problems with Forest Bank and your Black Bank within two years. Are you confident?"

Before signing the agreement of intent in the conference room, Patterson asked Carter one last time before signing his signature.

"According to the regulations, we can provide some financial assistance to banks or savings and credit unions that can take over failed institutions. But your asset status. To be honest, I originally planned to ask you to produce financial reports next month and give you closed for inspection"

"So now I'm giving you the right to dispose of the forest bank. I'm already under a lot of pressure. In terms of financial assistance, it's inconvenient for me to ask, and I guess I can get something."

Patterson, whose blood was surging with anger before, seemed to be decisive and extremely happy.But after the emotions faded, the sadness on his face became even worse.It is a good thing to know that Black Bank is doing tricks and has a high probability of making money!

But from the perspective of long-term operation of the bank, this does not seem to be a good thing
The reason is simple: risk!

"Please rest assured, Mr. Patterson! I can't guarantee that I will be able to make money all the time, but if it's only two years! Please believe me, Black Bank can still handle it. Even if all the loans of Forest Bank have bad debts, I can't guarantee Will bankrupt it!"

Upon hearing the news that Patterson planned to reorganize next month and conduct a comprehensive investigation of his own bank, Carter secretly called out "good risk", jumped over Goodman, and promised.

"In addition, I don't need financial assistance from the FDIC. I have sufficient funds to take over Forest Bank. Of course, with your help in this process, it will only go smoothly!"

When Carter finished speaking, Patterson did not express his position immediately, but turned his attention to Goodman
"Mr. Black is right. We currently have the strength! In other words, Mr. Black has the strength to do what he promised!"

Knowing that Patterson was worried about Carter, Goodman immediately nodded in affirmation of Carter's statement.At the same time, the body is slightly backward, highlighting the actual status relationship between the two.

Although he didn't say anything clearly, Patterson already understood the meaning behind Goodman's action: That's right!We did make use of interbank loans and toss some crooked things.But we made money!And the operator is Carter!
Seeing Carter's immature face under his old-fashioned appearance, Patterson was a little stunned for a moment.Looking carefully at Carter's firm eyes looking directly at him again, Patterson nodded slightly:

"Very good, you gave me a surprise! I hope there will be more surprises in the future. Sign it! After signing, let's have dinner together. Tomorrow, you are all ready to raise funds, and the delivery will be completed within a week!"

With Patterson giving way, Carter stepped forward to sign his name on the agreement.Then he took the bank's official seal from Goodman, and solemnly pressed down on the agreement.
Patterson, who had been paying attention to Carter when he signed his pen and was wondering whether his decision was correct, suddenly saw the watch on Carter's wrist, to be precise, the brand of the watch: Vacheron Constantin!
The appearance of this watch undoubtedly gave Patterson a lot of confidence. When he was a little relieved, he suddenly saw Carter actually stamping with the official seal.
"Good habits, I have a lot of confidence in you!"

"Mr. Patterson, you mean this?"

Carter, who had just finished using the stamp, heard the suddenly relaxed voice beside him, raised the stamp in his hand strangely, and asked.

"That's right, young people don't like to use these old things anymore. And you are different from them, which is good. Bankers need to be innovative, but they need to be more prudent."

Of course not this!If it weren't for your big fart, you would have Vacheron Constantin on your hands, I have a lot of confidence in you.
With a smile on his face, Patterson said mmp in his heart.

"Haha, you're over the top. Compared with writing LS, I feel that using a seal is more solemn. After all, our savings bank is related to people's livelihood and social stability. Seriousness is the attitude we should have!"

Exactly the same as Patterson's heart and mouth, under Carter's brilliant appearance at this time, there are a lot of embarrassing psychology.Really, this Patterson's bragging is outrageous.
In the impression of many people, official seals are Chinese characteristics, and European and American countries only recognize signatures but not seals.And this statement is actually not accurate!
Take the United States for example, the most famous official seal in the United States, or the most authoritative official seal is the great coat of arms of the United States of America.It also has another name: the national emblem of the United States
In addition to this chapter, each state also has its own coat of arms.Further down, let’s talk about the company’s official seal. The company’s official seal was actually an invention of the Anglo-American legal system at the earliest.Therefore, it is inaccurate to say that they do not use official seals. The accurate statement is that they are used less and less as time goes by.

Note that it is used less, not impossible!

Except for California in Article 207 of the Company Law, Article 1629 of the Civil Code and Article 1932 of the Civil Procedure Code, which clearly confirms that the evidence of an individual signature is more effective than the company's official seal, most states recognize the effectiveness of the official seal.

Even in New York State, a private seal can replace the company's official seal to fulfill the full legal effect.If you really don't want to spend money to make a seal, then put a bracket after the signature and add Seal, or the suffix of LS, which can also convert the signature into an official seal.

In fact, even in the future, at the federal level, only Article 2 of Chapter 203 of the Federal Commercial Code stipulates that the seal will lose its validity in the commodity sales contract.In other contractual documents, such as contracts and agreements, the official seal still has legal effect.

Having said so much, the root cause of Carter's liking to use official seals is still from the evil taste in his heart
Thinking about the previous life, the official seal of a small company with a bigger fart may not be used a few times throughout the year.And now what?Although it is also a small bank, it can't stand the many loan applications!Once this small seal is snapped on, the psychology is much more satisfying
Bad tastes, bad tastes, are originally for self-entertainment, and belong to the individual alone, and it is inconvenient to show small comforts and small satisfactions.At this time, Patterson suddenly pointed it out without saying anything, and even used it to brag, which made Carter's ears a little hot.

Shame!

Fortunately, just as official seals are less and less used in European and American countries, Patterson's enthusiasm for praise is also rapidly fading.After Carter signed the agreement in duplicate, he waved his hand:
"Please come with me, the banquet hall on the third floor of the hotel, I have already ordered dinner. Let's talk about specific things when we get to the table."

As for the specific matter in Patterson's mouth, after Carter guaranteed that the funds to take over the Forest Bank were well-funded, there seemed to be only one possibility left:

"If the old guy in Bath knows that you have pulled this agreement, I'm afraid he won't let it go. It is also foreseeable that the unemployed population in Pearson City will continue to increase. Do you have any plans or opinions on this situation? "

(End of this chapter)