1. A method implemented by a programmed computer system for use in connection with a financial transaction, which method comprises the steps of: forming a funding certificate issuer; offering to purchase at least one CD from each of a plurality of seller banks by the funding certificate issuer; providing each of the plurality of seller banks a mechanism to accept the offer; recording each acceptance; aggregating at least a portion of the CD's from the plurality of seller banks, which are recorded as acceptances, as pooled assets associated with a funding certificate, wherein the funding certificate is a note comprising either a debt, equity or a combination of debt and equity instrument; issuing the funding certificate from the funding certificate issuer to at least one investor; and using at least a portion of the proceeds from the issuance of the funding certificate to obtain the pooled assets.