[Solved] Dreamwork Bank uses the substitute check procedure to rapidly obtain payment of items deposited by its customers.An employee of the bank fraudulently alters some substitute checks so that they are for greater amounts than the original paper check and embezzles the difference.Discuss the bank's warranties in this situation. Immigrant Groups: Populations that have moved from one country to another, often forming communities and preserving cultural practices in their new locations. Phenotype: The observable characteristics or traits of an organism, resulting from the interaction of its genotype with the environment. Visible Structure: The physical or organizational form of something as it appears to the naked eye. Organism's: Refers to any individual living entity, from single-celled microorganisms to plants and animals, including humans.