Federal & District Securities Exchange

The Securities and Exchange will implement a mono-lithic banking system that is designed for American citizens and banking officials to ensure financial transactions have 100% at rest data integrity.

Securities and Exchange can not implement the laws and regulations in the system due to the complexities of many implementation of banking systems.

Securities and Exchanges will implement the laws and regulations through direct technology implementation, not laws and regulations and then "monitoring".

Pin - Allow citizens to set a transaction limit for both sending money, and requesting money that needs a PIN request.

Credit Cards - Allow licensed loan officers to issue credit cards and allow citizens to apply for them online where they are added to the personal profile cards. Loan officers can provide capital from the treasury or personal investors that have invested into the district bank.

Title - Manage the title process.

Licensing - License all the various bank agents which includes

• Home loans
• Business loans
• Equipment loans
• Wealth management
• Personal loans (credit cards)

Securities and Exchange is going to direct all financial transactions through a single district bank to ensure rates management can manage markets along with the Federal Treasury.

Loan Officers will have business suffix's attached to their license that they are able to loan money for so they can make the correct decisions based on market conditions.

Grant Account & Licensing - District banks will have licensed grant providers that will provide grants to business that cannot sustain themselves but are required.

All prices will be fixed, and salaries, and all income generated will be returned to grant general account for the district if their is surplus.

Card Processing Network

Legacy Credit Cards

Credit Cards will be processed by providing the virtual card number to the processing network where a transaction ID will be provided. All cards added to the personal profile will have a processing network and virtual card Id with them.

Visa and Mastercard can provide any processor they would like when adding cards to the personal profile, and charge a transaction fee that will be applied to either the business or customer with a flat rate to support membership services.

District Issued Bank Cards

District issued bank cards will have the domain of the bank along with a selection capability of the account ID where funds will be withdrawn from and the amount.

All personal profiles and business bank accounts will have an incoming transfers account where it can be transferred to other accounts.

Once the process is completed it will post to the /paid end point of either the business or personal profile with the receipt and transaction ID of Securities and Exchange, and the Processor Transaction ID of the processing network if nots Securities and Exchange.

All networks must support a pre-authorization process to hold funds.

All transactions will processed through FEN where exceptions and declines can be provided.

All transaction that are processed can provide a callback URL that is called when completed.

Legislation - Securities and Exchange would provide legislation in regards to Securities and Exchange and ensure it is implemented in the banking and transaction system technically. For example:

• When a business could loose banking services
• When a person could loose banking services
• What information is required when applying for loans
• What are the requirements of loans
• Commissions

Treasury vs. Public Funding Rates - Rates will be kept honest with the ability for citizen to invest along side the treasury. For example, if a district provide a 2% loan to stimulate the Ahi Tuna Manufacturing market in a district, private citizens could come in at 1.9% and provide the capital and receive the returns.

Treasury Integration - Integrate with the Federal Treasury system to receive funds based on approved loans based on licensing requirements of the agent.

Secure Cash Transfer - Securities and Exchange will manage an ATM network at $0 cost and provide the transportation for cash from certified treasury printers to secure facilities ATM's. Each ATM must have a business permit and domaine zone under .cash-machine.

The impact of this banking system will not be country wide, we will start only inPendleton Township and close all corporate owned banks.

The Federal Treasury will provide the printing facilities, and the services to manage the ID's printed on the bills. An RFID tag will be provided on the bill and coins that can be scanned easily at the POS where its validated with the Treasury.

District Treasury Printers will have the ability to design their currency with the correct watermarks.

US-FinCen - Ensure the SEC provide the following capabilities while processing transactions for the market:

• US-FinCen transaction alerts are being checked and handled correctly.
• US-FinCen receipts are being recorded with UPC information and sent to the personal profile, or business.
• US-FinCen taxes are being collected
• Provide .ad-network ad_instance_id's to the FTC with the payment amount and receipt details.

Dispute - Provide the ability to dispute a transaction on every receipt that is sent to a personal profile, where it's sent to the Court System.

The court system will have metrics on citizens and how many times they disputed a transaction, and lost where they can be fined for providing false claims at a certain point.