What Do Banks Offer Borrowers as Legal Consideration in a Loan?

YOU GET NOTHING!! You make the down payment at your Notary Closing that pays the seller any equity he has in the real estate property and pays the Notary closing agent to extort your consideration signature.
How Is A Negotiable Instrument Different From Cash?

Certificates are considered a negotiable instrument that can fluctuate in value with negotiation of the value or face amount and can be exchanged for FRN Dollars!