A Black Man walks into a prestigious private bank in midtown Manhattan and asks for the loan officer who politely tries to direct him to a more commercial establishment.

The Black Man says he’s going to Europe on business for two weeks and needs to borrow $5,000. The loan officer says the bank will need some kind of security for the loan, so the Black Man hands over the keys to a new Rolls Royce.

The car is parked on the street in front of the bank. He has all the papers including the title and everything checks out. The bank agrees to accept the car as collateral for the loan.

An employee of the bank then proceeds to drive the Rolls into the bank’s underground garage and parks it there. The news quickly spreads throughout the bank and over lunch, the bank’s president and its officers all enjoy a good laugh at the dumb “N -word ’s” expense for using a $250,000 Rolls as collateral against a $5,000 loan.

Two weeks later, the Black Man returns, repays the $5,000 and the interest, which comes to $20.41. The loan officer says, “Sir, we are very happy to have had your business, and this transaction has worked out very nicely, but we are a little puzzled.

While you were away, we checked you out and found that you are a multimillionaire. What puzzles us is, why would you bother to borrow $5,000?”

The Black Man smiled and then replied; “Where else in New York City can I park my car for two weeks for only $20.41 and expect it to be there when I return?”.

A Very Smart Black Man