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As Chase was a much larger bank, it was first intended that Chase acquire the "Bank of Manhattan", as it was nicknamed, but it transpired that Burr's original charter for the Manhattan Company had not only included the clause allowing it to start a bank with surplus funds, but another requiring unanimous consent of shareholders for the bank to be taken over.

The deal was therefore structured as an acquisition by the Bank of the Manhattan Company of Chase National, with John J. This avoided the need for unanimous consent by shareholders.

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