A Typical Time Draft

1. A Typical Time Draft Payee Whiteacre, Minnesota 01 January 16 20___ $1,000.00 Ninety days after above date PAY TO THE ORDER OF THE FIRST NATIONAL BANK OF WHITEACRE, MINNESOTA One thousand and no/100____________________________________ DOLLARS VALUE RECEIVED AND CHARGE THE SAME TO ACCOUNT OF Eastman Supply Company To_________________________ Bank of Ourtown Stephen L. Eastman, Pres. By_____________________________ ___________________________ Ourtown, Michigan Stephen L. Eastman Drawee Drawer Chapter 19

2. A Typical Trade Acceptance Drawee Payee 01 Mytown, California March 15 _________ 20___ To____________________________________________________________________ Comfort Creations, Inc. On_________________PAY TO THE ORDER OF ____________________________ June 15, 2001 Jackson River Fabrics _____________________________________________DOLLARS_______________ _ -----------Fifty thousand and no/100-------------- ($------50,000-------) The obligations of the acceptor hereof arise out of the purchase of goods from the drawer. The drawee may accept this bill payable at any bank or trust company in the United States which drawee may designate. Blackacre, N.Y. March 15 01 Accepted at _________________________ on _________________20_________ TRADE ACCEPTANCE Bank of Blackacre Payable at __________________________ __________________________ Jackson River Fabrics Blackacre, New York Comfort Creations, Inc. Buyer’s Signature ___________________________ Joe Jones, Pres. By_____________________________ Tom Smith, T.V. Pres. By Agent or Officer___________________________ Drawee-Acceptor Drawer Chapter 19

3. A Typical Promissory Note Payee April 30 $___________Whiteacre, Minnesota __________ 20___ Due _________ 3,000.00 01 6/29/2001 ___________________________________________________after date. On or before sixty days NO.,__________OFFICER______BY___________ACCURAL____ NEW REN’L SECURED__ UNSECURED Clark For value received, the undersigned jointly and severally promise to pay to the order of THE FIRST NATIONAL BANK OF WHITEACRE at its office in Whiteacre,Minnesota, $___________________ dollars with interest thereon from date hereof at the rate of _______ percent per annum (computed on the basis of actual days and a year of 360 days) indicated in No. ____ below. INTEREST IS PAYABLE AT MATURITY INTEREST IS PAID TO MATURITY INTEREST IS PAYABLE ______ BEGINNING ON _____20____ Three thousand -8- SECURITIES  INSURANCE SAVINGSOTHER  SEC. AGREEMENT 1. INV. & ACCTS. 2. CONSUMER GOODS 3. EQUIP 7 Margaret P. Roberts Laurence E. Roberts SIGNATURE ______________________ SIGNATURE ___________________________ SIGNATURE ______________________ SIGNATURE ___________________________ Co-makers Chapter 19

4. A Typical Small CD 13992 THE FIRST NATIONAL BANK OF WHITEACRENEGOTIABLE CERTIFICATE OF DEPOSIT 22-1960 Payee(Bearer) February 15 01 WHITEACRE, MINN. ___________________20____ $5,000.00 THIS CERTIFIES to the deposit in this Bank the sum of _______________ ____________________________________________________________DOLLARS --------------------Five thousand and no/100----------------- 15th 01 August which is payable to bearer on the _________ day of ____________, 20____ against presentation and surrender of this certificate, and bears interest at the rate of _______% per annum, to be computed (on the basis of 360 days and actual days elapsed) to, and payable at, maturity. No payment may be made prior to, and no interest runs after, that date. Payable at maturity in federal funds, and if desired, at Manufacturers Hanover Trust Company, New York. 5 THE FIRST NATIONAL BANK OF WHITEACRE John Doe By _______________________________________ SIGNATURE Maker Chapter 19

5. Converting an Order Instrument to a Bearer Instrument and Vice Versa Instrument to a Bearer Instrument A check payable to the order of Jessie Arnold is an order instrument. Arnold indorses the check in blank (by simply signing her name), thus converting the instrument to a bearer instrument, and delivers the check to Jonas Tolling. Jessie Arnold Indorsement Converting a Bearer Instrument to an Order Instrument Jonas Tolling adds a special indorsement and negotiates the check to Mark Hyatt. The special indorsement, because it makes the instrument payable to a specific indorsee (Mark Hyatt), converts the bearer instrument back into an order instrument. To negotiate the instrument further, Mark Hyatt must indorse and deliver the instrument. Pay to Mark HyattJonas Tolling Chapter 19

6. A Blank Indorsement Alan Luberda Chapter 19

7. A Special Indorsement Arthur Rabe Pay to Anthony Alfonso Chapter 19

8. A Qualified Indorsement Bridgett Cage Pay to Elvie Ling, without recourse. Chapter 19

9. For Deposit/For Collection Indorsements For Deposit Stephanie Mallak For Collection only Stephanie Mallak Chapter 19

10. Trust Indorsements Pay to Ada Johnson in trust for Sarah Emerson Robert Emerson Pay to Ada Johson as Agentfor Sarah Emerson Robert Emerson Chapter 19

11. Negotiability and Transferability Chapter 19

12. Negotiability and Transferability (Continued) Chapter 19

13. Negotiability and Transferability (Continued) Chapter 19