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Instruments are transferable,written,signed promises or orders to pay a specified sum of money.
Depositors
Individuals or entities that place money into a bank account for safekeeping and potential interest accrual.
Negotiation
A discussion aimed at reaching an agreement.
Transfer
The act of moving assets, rights, or obligations from one party to another through sale, gift, or other means.
Possession
The control or ownership of something, whether personal property or real estate.
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