He goes to a bank for a loan, and overhears the loan officer telling the black guy in front of him that, unfortunately, his loan application has been refected. When (white) Eddie Murphy sits down at the desk and tells him how much money he is looking to borrow, the guy just opens the drawer and starts piling cash on top of the desk.
"This should be enough for you," the bank officer says, "Just pay it back whenever you can, if you want to."
"Don't I need to fill out an application?" Murphy asks.
"No," said the loan officer (still piling cash on the desk), "What made you think that?"
"I overheard you rejecting someone else . . ."
"Nah, don't worry about that -- we just go through the process for THOSE people. Like we were ever going to lend HIM any money."
The guy bursts out laughing as he finishes counting the money. Murphy looks shocked, but he smiles broadly and utters a loud, forced laugh:
"Heh-heh-heh -- What a silly Negro!"