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negotiable instrument

n. check, promissory note, bill of exchange, security or any document representing money payable which can be transferred to another by handing it over (delivery) and/or endorsing it (signing one's name on the back either with no instructions or directing it to another, such as "pay to the order of Pamela Townsend").

See also: bearer paper  bill of exchange  check 

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The People's Law Dictionary by Gerald and Kathleen Hill Publisher Fine Communications

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