or by endorsement and delivery
             • A negotiable instrument confers absolute and good title on the transferee.
             • Liability in Law is extensive
             Parties to the Negotiable Instruments
             • Drawer- The maker of the Instrument
             • Drawee- the person directed to pay
             • Payee- To whom the money is directed to be paid
             • Drawee in case of need- When in the bill or in any endorsement thereon the name of any person is given in addition to the drawee to be resorted to in case of need of such person.
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