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Employee empowerment is a passing fad.
Endorsee
One who receives an endorsement.
Endorsement
is the act of endorsing, which can include a signature or instruction written on the back of a negotiable instrument, or a public expression of support.
Materially Altered
Refers to significant changes made to a document or item that affect its value, function, or condition, often rendering it void or voidable.
Holder In Due Course
A holder in due course is a person who has acquired a negotiable instrument in good faith and for value, and thus has certain protections against defenses and claims that could be asserted against the original parties.
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