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After Robert Morris became superintendent of finance in May 1781 continental currency had ceased. Morris persuaded Congress to charter the bank of North America, the first private commercial bank in the United States. He deposited large quantities of gold and silver coin and bills of exchange obtained through loans from the Netherlands and France. He then issued new paper currency backed by this supply. He also managed to meet the interest rates on the debt which he estimated to be about thirty million dollars. The Bank of North America alone with the First Bank of The United States and The Bank of New York obtained the first shares in the New York Stock Exchange. JF