A Journey Through UCC 3 - Part 4 (Covering UCC 3-4XX) - Brandon Joe Williams

01:54:49
https://www.youtube.com/watch?v=hUbAqZTBC1A

Résumé

TLDRThe speaker shares revelations and excitement from a legal video related to Uniform Commercial Code (UCC) articles. After watching UCC video three, which has largely influenced their strategy and viewpoint, the speaker pauses and resumes actions with clients, indicating a significant shift in approach against institutions. The speaker shares a confrontational approach with the Small Business Administration about issues related to Covid loans and collections. There is a deep dive into legal topics such as the significance of signatures, representative roles, imposters, fictitious payees, endorsements, and payment technology. Additionally, the speaker touches upon legal definitions and litmus tests regarding instruments, while expressing a sense of motivation and challenge against the legal system's complexity. Stressing the need for clarity in legal language and encouraging questioning each legal concept, the video delivers a rigorous analysis that is both passionate and intense. Various examples and speculation about legal maneuvers display a methodical yet aggressive approach toward understanding complex financial and legal interactions.

A retenir

  • 📈 UCC video three significantly impacts the speaker's legal approach.
  • 🔍 Challenges faced with the SBA over Covid loans are highlighted.
  • ✍️ Importance of understanding how signatures work in legal documents.
  • 🏦 Explores legal terms like imposters and fictitious payees.
  • 💼 Delves into banking laws and financial transaction responsibilities.
  • 🔗 Emphasizes the value of researching and understanding legal definitions.
  • 📚 Highlights the complexity and potential inefficiency of the legal system.
  • 🧩 Endorsement technology is crucial for processing negotiable instruments.
  • ❓ Encourages questioning legal terms and understanding their impact.
  • 🚂 Uses intense and confrontational tones to convey urgency and challenge.

Chronologie

  • 00:00:00 - 00:05:00

    The speaker expresses excitement and eagerness about upcoming plans involving legal actions and hints at suing institutions. He shares a story of his interaction with the SBA regarding collections, hinting at being unfazed and prepared to counter them.

  • 00:05:00 - 00:10:00

    He continues to express enthusiasm about sharing information related to UCC (Uniform Commercial Code) Article 3, suggesting big developments are on the way. He hints at having some previously unannounced insights ready to share.

  • 00:10:00 - 00:15:00

    The speaker mentions legal actions he has taken personally, such as filing a UCC-1 financial statement, and invites viewers to check detailed information about his legal changes, web pages containing this information are discussed.

  • 00:15:00 - 00:20:00

    The video continues with the speaker discussing legal liabilities related to signing instruments under UCC 3-4xx. He explains the importance of understanding who is liable when someone's name or signature is involved in legal instruments.

  • 00:20:00 - 00:25:00

    He further elaborates on the concept of a signature, explaining its importance and how it can be made with various devices or personal marks. He breaks down legal jargon into understandable concepts and shows interest in demystifying them.

  • 00:25:00 - 00:30:00

    In this section, the speaker dives into the role of a representative in signing documents, touching on the legal implications and stressing understanding one's representation and liability when part of such agreements.

  • 00:30:00 - 00:35:00

    He discusses the complexity of liability and representation further, focusing on aspects like benefiting from UCC transactions without being directly documented. Highlighting the usage and implications of authenticating instruments is key here.

  • 00:35:00 - 00:40:00

    The speaker elaborates on 'fictitious payees' and 'imposters' in financial terms, exploring legal definitions and expressing dissatisfaction with how such terms are interpreted without clarity or uniformity in real-world application.

  • 00:40:00 - 00:45:00

    Continuing with the conversation on imposters and fictitious entities, the speaker references the online disappearance of legal resources, interpreting this as a sign of institutions being under pressure or fear due to increased public scrutiny.

  • 00:45:00 - 00:50:00

    The speaker shifts focus to legal obligations under the UCC, particularly around understanding the nuanced definitions and complexities involved in endorsing documents and what constitutes fully vetted transactions within this framework.

  • 00:50:00 - 00:55:00

    The speaker explores concepts like 'unauthorized signatures' and 'acceptance,' delving into what constitutes a legally binding agreement and how transactions are validated under these rules, presenting a mix of clarity and confusion.

  • 00:55:00 - 01:00:00

    There's a strong emphasis on understanding the legal implications of accepting or endorsing negotiable instruments, with hints of the speaker’s personal experiences and challenges in navigating these legal frameworks.

  • 01:00:00 - 01:05:00

    Exploring 'acceptance of a draft,' the speaker elaborates on sophisticated legal agreements, providing detailed scenarios and contemplating the essence of legal obligations tied to accepting financial documents.

  • 01:05:00 - 01:10:00

    Returning focus to personal liability versus representation, the speaker continues dissecting UCC rules on endorsements, casting light on intricate legal nuances which determine personal versus institutional accountability.

  • 01:10:00 - 01:15:00

    Further mentions of the potential conflict arising from lack of clear legal boundaries, focusing again on fiduciary duties and underlying principles guiding responsibility sharing in commercial exchanges are addressed.

  • 01:15:00 - 01:20:00

    The speaker continues, albeit with some fatigue, stressing the importance of scrutinizing legal definitions and expresses skepticism about the motivations driving unclear legislative jargon, hinting at more strategic lawsuits.

  • 01:20:00 - 01:25:00

    The discussion now evolves into considering warranty obligations within transfers, explaining the legal frameworks aimed at securing fair representation and protection against fraudulent or unreliable claims in financial agreements.

  • 01:25:00 - 01:30:00

    A philosophical aside touches on the nature of legal terms as hidden, expressing his perception of how they mask straightforward interactions under layers of complexity, labeling the process as legally occult and unnecessarily convoluted.

  • 01:30:00 - 01:35:00

    The conversation dives into the procedural standards under UCC that guide expectations in holding individuals accountable for breaches, focusing on ensuring insightful scrutiny rather than superficial comprehension.

  • 01:35:00 - 01:40:00

    Despite facing challenges in understanding these pieces of legislation, he underlines the significance of consistent inquiry and unyielding scrutiny to unravel contested legal transactions’ authentic meanings.

  • 01:40:00 - 01:45:00

    Concluding with reflections on the nature of legal battles, the speaker reveals insights into his strategic thought processes, emphasizing relentless pursuit of truth and understanding against perceived institutional ignorance.

  • 01:45:00 - 01:54:49

    The video wraps up with the speaker expressing determination to continue his journey through legal complexities, albeit fatigued, and he promises future content focusing on exploring these intricate legal landscapes further.

Afficher plus

Carte mentale

Vidéo Q&R

  • What changes occurred after watching UCC video three?

    The speaker mentions it changed everything, leading to pausing work with a new client, and brought excitement about legal actions against institutions.

  • How did the speaker respond to the SBA about Covid loans?

    The speaker requested an address to serve legal summons but was sent to collections instead.

  • What is discussed regarding signatures and legal documents?

    The discussion covers manual and machine-made signatures, the significance of representative signatures, and different legal interpretations.

  • Why is there mention of fictitious payees and imposters?

    To explain how legal definitions influence the handling of negotiable instruments and payments.

  • How does the speaker view the legal system and institutions?

    The speaker seems critical of the legal system, viewing it as complicated and sometimes inefficient.

  • What emphasis is placed on legal understanding?

    The speaker stresses the importance of questioning legal definitions and understanding endorsement technology.

  • What tone does the speaker use throughout the discussion?

    An intense and sometimes confrontational tone, filled with legal terminology and a focus on rights.

  • How does the speaker deal with gaps in legal understanding?

    By emphasizing research, discovery, and the idea that even legal professionals might not fully understand complex laws.

  • What is endorsement technology referred to as?

    It's described as the technology of performance, payment, and assigning transferable rights in negotiable instruments.

  • What kind of legal topics does this video cover?

    The video covers UCC articles, signature roles, imposters, fictitious identities, and banking responsibilities.

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Sous-titres
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Défilement automatique:
  • 00:00:09
    damn
  • 00:00:27
    it what's up you [ __ ] hooker
  • 00:00:36
    woo bro video number three has got me
  • 00:00:39
    bro video number three
  • 00:00:43
    bro I don't know it's been like a day or
  • 00:00:45
    two but I got to tell you
  • 00:00:47
    guys UCC video uh three uh part three
  • 00:00:52
    has
  • 00:00:54
    changed
  • 00:00:57
    everything I mean
  • 00:01:00
    we we've we've stopped and we paused
  • 00:01:02
    everything with the new client we
  • 00:01:04
    started everything up again and then now
  • 00:01:06
    we paused it
  • 00:01:09
    again I mean dude when I show you
  • 00:01:12
    guys what we're about to do
  • 00:01:16
    like
  • 00:01:19
    dude you have no
  • 00:01:22
    idea like these institutions and [ __ ]
  • 00:01:25
    like the people that we're going to be
  • 00:01:26
    suing like they
  • 00:01:30
    they they are they do not stand a chance
  • 00:01:33
    in all
  • 00:01:36
    hell I'm not going to say anything cuz I
  • 00:01:39
    want I want I want you guys to see it
  • 00:01:40
    not just hear it but but you you
  • 00:01:43
    literally have no idea
  • 00:01:49
    like
  • 00:01:54
    dude the SBA started coming after me for
  • 00:01:56
    the for the co I'm going to take this
  • 00:01:57
    off it's too hot for the co thing the
  • 00:02:01
    covid
  • 00:02:03
    loans and I said oh oh dude totally I
  • 00:02:06
    said oh I'm super excited if you guys
  • 00:02:08
    could just give me an address I got to
  • 00:02:10
    serve some a summons for a lawsuit would
  • 00:02:12
    love to send that to you and they just
  • 00:02:14
    they didn't even respond they just sent
  • 00:02:15
    me straight to collection
  • 00:02:19
    so I'm thrilled I'm thrilled they're
  • 00:02:22
    going to get hit with this new
  • 00:02:24
    system oh God they're just gonna oh you
  • 00:02:26
    have no idea it's it's not even
  • 00:02:31
    it's like getting hit with a train that
  • 00:02:33
    just packed with C4 all in the front and
  • 00:02:36
    the whole train just explodes when it
  • 00:02:37
    hits you at like 120 miles
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    hour I can't wait God I I was losing
  • 00:02:45
    sleep recently past several days because
  • 00:02:47
    I'm just laying there
  • 00:02:49
    like so [ __ ] excited bro about just
  • 00:02:51
    [ __ ] this [ __ ] up so good
  • 00:02:57
    [Music]
  • 00:03:00
    you have no
  • 00:03:02
    idea we are in some seriously exciting
  • 00:03:04
    times my
  • 00:03:07
    friends anyways welcome welcome welcome
  • 00:03:10
    welcome we have a long part to go
  • 00:03:12
    through today I'm not sure if I'll get
  • 00:03:13
    through all these we'll see this is UCC
  • 00:03:17
    3 uh UCC article 3 part 4 possibly 4.1
  • 00:03:23
    or 4.5 or four slash 4 hyphen one or
  • 00:03:27
    something we'll see
  • 00:03:30
    let's just get rolling on this and kind
  • 00:03:32
    of see where things go
  • 00:03:35
    okay uh 3-41 signature we've got a
  • 00:03:39
    person is not liable on it oh actually I
  • 00:03:42
    wanted to show you guys
  • 00:03:44
    something I got some stuff that I don't
  • 00:03:46
    think you guys have ever seen stuff that
  • 00:03:48
    I've never talked about stuff that I've
  • 00:03:50
    never announced I've never talked about
  • 00:03:51
    it on any shows I've never talked about
  • 00:03:53
    it anywhere if you go to ww williamsand
  • 00:03:56
    Williams lawfirm.com you go to the about
  • 00:03:59
    page and you scroll down to my my about
  • 00:04:01
    section I want to let you guys know that
  • 00:04:03
    I have a state case that I legally
  • 00:04:05
    changed my name from Brandon Joe
  • 00:04:06
    Williams all caps to the upper and lower
  • 00:04:08
    case uh link to that uh case so you can
  • 00:04:12
    get you can you can get more information
  • 00:04:13
    on it is here and then I also wanted to
  • 00:04:15
    show you guys here that I put uh my
  • 00:04:18
    trade name uh my USPTO uh information's
  • 00:04:22
    here in case you guys are are looking at
  • 00:04:23
    trademark in your name you can get a lot
  • 00:04:25
    of info from my page uh this is the full
  • 00:04:28
    USPTO breakdown of everything and you
  • 00:04:31
    can click these breakdowns and you can
  • 00:04:33
    see all the different things that I did
  • 00:04:37
    in my in my case
  • 00:04:40
    right uh that's not my address uh
  • 00:04:43
    currently and don't call me by the way
  • 00:04:46
    uh or email me and if you do you're
  • 00:04:48
    going to get blocked just to let you
  • 00:04:50
    know uh and yeah so go through here and
  • 00:04:55
    you can see all the good stuff here and
  • 00:04:57
    then I also when I finished uh video
  • 00:05:00
    three I literally did not go to bed that
  • 00:05:04
    night until I had completed filling out
  • 00:05:06
    my first
  • 00:05:08
    ucc3 uh or I'm sorry us to see1 and you
  • 00:05:11
    guys are going to laugh your ass off
  • 00:05:12
    when you read some of this it's not
  • 00:05:14
    entirely correct like I'm probably going
  • 00:05:15
    to do some corrections on this I just
  • 00:05:17
    literally would not let myself sleep
  • 00:05:20
    that night until I had filed my UCC one
  • 00:05:22
    so you guys can go through here and take
  • 00:05:24
    a look and kind of get a good laugh out
  • 00:05:25
    of this uh you might find it interesting
  • 00:05:28
    and I wanted to you guys those three
  • 00:05:30
    links uh in the about page on
  • 00:05:34
    WW and okay good so let's get back to
  • 00:05:36
    this let's get rolling on this I don't
  • 00:05:37
    want to be here all night so uh part
  • 00:05:40
    four 3- uh uh
  • 00:05:44
    4xx signature a person is not liable on
  • 00:05:47
    an instrument unless one the person
  • 00:05:49
    signed the instrument or two the person
  • 00:05:51
    is represented by an agent or
  • 00:05:53
    representative who signed the instrument
  • 00:05:55
    and the signature as binding on the
  • 00:05:56
    represented person this is an
  • 00:05:59
    interesting conversation for the El caps
  • 00:06:01
    name because you're actually signing on
  • 00:06:02
    behalf of the ELC Cap's name so the
  • 00:06:05
    person is represented by an agent or
  • 00:06:07
    representative who signed the instrument
  • 00:06:09
    and the signature is binding on the
  • 00:06:10
    represented
  • 00:06:12
    person that's pretty much what you're
  • 00:06:14
    always doing you're never really the
  • 00:06:16
    person who signed the
  • 00:06:18
    instrument you're the person who is
  • 00:06:20
    represented by an agent who signed the
  • 00:06:22
    instrument just to be clear
  • 00:06:26
    okay a signature may be made manually or
  • 00:06:29
    by means of a device or machine and two
  • 00:06:32
    by the use of any name including a trade
  • 00:06:34
    or assume name or by a word Mark or
  • 00:06:38
    symbol executed or adopted by a person
  • 00:06:40
    with present intention to authenticate a
  • 00:06:43
    writing
  • 00:06:45
    interesting so it's almost like the
  • 00:06:47
    definition of the word signature it's
  • 00:06:48
    it's actually a beautiful definition you
  • 00:06:50
    know you know I'm I'm not here to poo
  • 00:06:52
    poo on the UCC I actually think this
  • 00:06:54
    stuff is incredible I I think that this
  • 00:06:56
    is actually really cool um you know
  • 00:06:59
    manually by by means of a of a device or
  • 00:07:02
    machine and by use of any name including
  • 00:07:04
    a trade or assume name or by a word Mark
  • 00:07:07
    or symbol executed or adopted by a
  • 00:07:10
    person with present intent intention to
  • 00:07:13
    authenticate a writing
  • 00:07:15
    so if you do some horeshit you know
  • 00:07:18
    symbol that represents your and you
  • 00:07:20
    think you're all freaking cool look how
  • 00:07:21
    cool I am with my with my loopy loop L
  • 00:07:24
    and my Loop to Loop whatever like look
  • 00:07:26
    how cool my signature is I have the
  • 00:07:28
    coolest signature ever and you have like
  • 00:07:30
    one of them high-end signature Fountain
  • 00:07:32
    pin and you go in there you're like
  • 00:07:34
    check out how cool I am bro with my
  • 00:07:36
    sweet signature
  • 00:07:39
    bro well you're getting [ __ ] and
  • 00:07:42
    you're [ __ ] uh it's okay we're all
  • 00:07:46
    here to
  • 00:07:47
    learn that's this
  • 00:07:49
    one signature by representative o
  • 00:07:54
    ooh how do they say it in the
  • 00:07:57
    oh the [ __ ]
  • 00:08:00
    like in the like in uh I want to say
  • 00:08:03
    hentai but it's not s uh what is it uh
  • 00:08:07
    anim or whatever like the [ __ ] memes
  • 00:08:10
    with the
  • 00:08:12
    girls so all right all right signature
  • 00:08:15
    by representative what is this uh if a
  • 00:08:18
    person acting or purporting to act as
  • 00:08:21
    representative signs an instrument by
  • 00:08:22
    signing either the name of the
  • 00:08:23
    represented person now remember
  • 00:08:26
    represented person basically means
  • 00:08:28
    beneficiary
  • 00:08:32
    remember uh remember they say
  • 00:08:34
    represented person and fiduciary those
  • 00:08:36
    are the two terms they use remember
  • 00:08:39
    that you can click on this and find it
  • 00:08:41
    it's not in this it's in it's in an
  • 00:08:44
    actual SE section uh represented person
  • 00:08:48
    where is it at
  • 00:08:53
    represented well it's not even here it's
  • 00:08:56
    it we saw it earlier it's in that area
  • 00:08:58
    breach of fiduciary
  • 00:09:02
    duties you should remember I remember
  • 00:09:06
    breach where is it at notice a breach of
  • 00:09:09
    fiduciary duties
  • 00:09:10
    3-37 remember this we got fiduciary and
  • 00:09:14
    we got represented person fiduciary
  • 00:09:16
    means an agent trustee partner corporate
  • 00:09:18
    officer or director or other
  • 00:09:20
    representative owing a fiduciary duty
  • 00:09:22
    with respect to an instrument and then
  • 00:09:23
    you have represented person means the
  • 00:09:25
    principal beneficiary partnership
  • 00:09:28
    Corporation so it's it means a little
  • 00:09:30
    bit more than that but but for the
  • 00:09:31
    Simplicity of this we've got basically
  • 00:09:33
    trustee and beneficiary pretty much not
  • 00:09:36
    not not entirely but I'm trying to keep
  • 00:09:40
    this simple
  • 00:09:42
    right so
  • 00:09:45
    um uh by assigning either the name of
  • 00:09:47
    the represented person or the name of
  • 00:09:48
    the signer the represented person is
  • 00:09:50
    bound by the signature to the same
  • 00:09:52
    extent the represented person would be
  • 00:09:53
    bound at the
  • 00:09:55
    signature uh were on a a single a simple
  • 00:09:58
    contract
  • 00:10:00
    if the represented person is bound the
  • 00:10:03
    signature of the representative is the
  • 00:10:05
    authorized signature of the represented
  • 00:10:07
    person and the represented person is
  • 00:10:09
    liable on the instrument whether or not
  • 00:10:10
    identified it in the instrument so what
  • 00:10:12
    they're saying here is you don't know
  • 00:10:15
    there's two parties allc Cap's name and
  • 00:10:17
    and you is the natural person and and we
  • 00:10:21
    we're going to get you to sign on behalf
  • 00:10:23
    of the ELC Cap's name and then you're on
  • 00:10:25
    the hook just as much as the ELC Cap's
  • 00:10:27
    name is essentially
  • 00:10:36
    if a representative signs the name of
  • 00:10:37
    the representative to an instrument and
  • 00:10:38
    a signature is an authorized signature
  • 00:10:40
    represented person the following rules
  • 00:10:42
    apply if the form of the signature shows
  • 00:10:45
    unambiguously that the signature is made
  • 00:10:47
    on behalf of the represented person
  • 00:10:48
    who's identified the instrument the
  • 00:10:49
    representative is not
  • 00:10:52
    wait o what do we have here if a
  • 00:10:56
    representative signs the name of the
  • 00:10:59
    representative to an instrument and the
  • 00:11:01
    signature is an authorized signature of
  • 00:11:03
    the represented person the following Ro
  • 00:11:04
    apply in the form if the form of the
  • 00:11:06
    signature shows
  • 00:11:12
    unambiguously that the signature is made
  • 00:11:15
    on behalf of the representative person
  • 00:11:17
    who has identified in the
  • 00:11:18
    instrument the representative is not
  • 00:11:21
    liable on the instrument oh God
  • 00:11:25
    damn wait a second
  • 00:11:33
    if the form of the signature shows
  • 00:11:36
    unambiguously that the signature is made
  • 00:11:38
    on behalf of the represented
  • 00:11:41
    person who was identified in the
  • 00:11:43
    instrument the represented reprentative
  • 00:11:45
    is not liable on the
  • 00:11:48
    instrument form of the sign
  • 00:11:54
    show
  • 00:11:56
    huh I'm not totally sure on this I have
  • 00:11:58
    seen
  • 00:11:59
    things
  • 00:12:01
    where you have something like I've
  • 00:12:04
    written this before many times like
  • 00:12:05
    especially with the DMV because I hate
  • 00:12:07
    the DMV you have
  • 00:12:10
    by uh and then you have Brandon Joe
  • 00:12:15
    Williams agent and
  • 00:12:18
    then hit enter and go one line below but
  • 00:12:21
    I can't do that here I'm just doing this
  • 00:12:23
    to show you and then the next line below
  • 00:12:26
    not to the right but below but I can't
  • 00:12:28
    do that here CU if I hit enter it's
  • 00:12:30
    going to go to a URL and then you have
  • 00:12:33
    for colon Brandon Joe
  • 00:12:37
    Williams
  • 00:12:40
    principal so that's that's stating
  • 00:12:43
    clearly that there's an there's a
  • 00:12:45
    there's a someone signing on behalf of
  • 00:12:48
    someone else I do that sometimes you
  • 00:12:51
    know for sure so keep that in mind you
  • 00:12:53
    can always do that as well these are all
  • 00:12:55
    endorsements this is all endorsement
  • 00:12:58
    technology everything we're learning is
  • 00:12:59
    endorsement technology and what is
  • 00:13:00
    endorsement technology it's the
  • 00:13:02
    technology of
  • 00:13:04
    performance and what is performance
  • 00:13:08
    payment it's the technology of payment
  • 00:13:12
    we are learning a technology what is the
  • 00:13:14
    definition of Technology it's it's a a a
  • 00:13:17
    bunch of things that you can do to to
  • 00:13:21
    effectively um uh cause some sort of
  • 00:13:24
    action or thing to take place the
  • 00:13:27
    technology of changing oil would be step
  • 00:13:30
    by step what actions need to take place
  • 00:13:32
    in order to have the product of changed
  • 00:13:35
    clean functional oil in
  • 00:13:39
    engine so when I say
  • 00:13:41
    technology we're learning a technology
  • 00:13:45
    of how to uh assign transfer or redeem
  • 00:13:49
    or give someone else the ability to
  • 00:13:51
    assign transfer or redeem a negotiable
  • 00:13:54
    instrument that would be the the that
  • 00:13:55
    would be the definition of a the
  • 00:13:58
    technology G of
  • 00:14:02
    endorsements so so you can ask yourself
  • 00:14:04
    am I assigning transferring or redeeming
  • 00:14:08
    or am I giving someone else the ability
  • 00:14:10
    to transfer assign or redeem that's
  • 00:14:12
    that's that's it that's the whole
  • 00:14:14
    conversation that's the whole
  • 00:14:15
    technology okay that's all we're
  • 00:14:17
    learning here that's all we're learning
  • 00:14:20
    here okay this is the technology of
  • 00:14:23
    endorsement the technology of
  • 00:14:26
    performance the technology of
  • 00:14:29
    payment it means all the same thing so
  • 00:14:33
    we are learning how to do that and
  • 00:14:34
    that's all we're doing in these videos
  • 00:14:37
    which seems like not a lot but it's
  • 00:14:38
    infinite money so it's kind of
  • 00:14:42
    funny I'm not totally sure on this one
  • 00:14:45
    but that's kind of what I get from it
  • 00:14:46
    what I just explained to you guys let's
  • 00:14:47
    go to the next
  • 00:14:49
    one if the signature um the form of the
  • 00:14:54
    signature does not show I'm going to
  • 00:14:55
    show you guys my chest get all the girls
  • 00:14:57
    turned on because I'm [ __ ] burning up
  • 00:14:58
    in this thing
  • 00:14:59
    I'm going to show my nipples too just to
  • 00:15:02
    get you guys [ __ ] rare in go
  • 00:15:07
    um the form of the signature does not
  • 00:15:10
    show unambiguously that the signature is
  • 00:15:12
    made in a representative capacity or two
  • 00:15:15
    the represented person is not identified
  • 00:15:17
    in the instrument the representative is
  • 00:15:20
    liable the form of the signature does
  • 00:15:23
    not show unambiguously that the
  • 00:15:25
    signature is made in a representative
  • 00:15:27
    capacity
  • 00:15:30
    so so if you wanted to be more specific
  • 00:15:33
    I guess representative capacity you
  • 00:15:35
    could be like
  • 00:15:37
    by Brandon Joe Williams comma
  • 00:15:43
    representative which I do use this
  • 00:15:44
    sometimes
  • 00:15:46
    for f r this will be the line below not
  • 00:15:50
    to the right again so meaning like I
  • 00:15:54
    really want you guys to get this I would
  • 00:15:55
    hit enter here and it would come down
  • 00:15:57
    below this is how the endorsement would
  • 00:16:00
    look by and then and then it would start
  • 00:16:03
    here for blah BL blah but I'm just doing
  • 00:16:05
    this because I don't I don't have any
  • 00:16:07
    other quick way to do this for you
  • 00:16:11
    for
  • 00:16:14
    um plus if you guys can't figure that
  • 00:16:16
    out you're you're you're brain dead
  • 00:16:17
    anyway so I don't care so for Brandon
  • 00:16:20
    Joe
  • 00:16:22
    Williams and then that would
  • 00:16:26
    be U let's see
  • 00:16:32
    represented
  • 00:16:35
    person I'm not to I mean you could even
  • 00:16:38
    go
  • 00:16:39
    representative and then
  • 00:16:44
    repented
  • 00:16:46
    person you could even do something like
  • 00:16:48
    that
  • 00:16:50
    representative on behalf of the
  • 00:16:53
    represented
  • 00:16:54
    person I mean I'm like I I'm just trying
  • 00:16:57
    to [ __ ] you know just totally pure
  • 00:17:00
    just like read this and understand it in
  • 00:17:02
    the purest form so forgive me if I'm a
  • 00:17:06
    little bit off on
  • 00:17:08
    this
  • 00:17:09
    [Music]
  • 00:17:11
    um see representative capacity or two
  • 00:17:16
    the represented person is not identified
  • 00:17:18
    in the instrument the representative is
  • 00:17:19
    liable on the instrument to a holder in
  • 00:17:21
    due course that took the instrument
  • 00:17:23
    without notice that the representative
  • 00:17:25
    was not intended to be liable on the
  • 00:17:27
    instrument with respect to any other
  • 00:17:29
    person the representative is liable on
  • 00:17:32
    the instrument unless the representative
  • 00:17:34
    proves that the original parties did not
  • 00:17:35
    intend the representative to be liable
  • 00:17:37
    on the instrument okay this is cool this
  • 00:17:39
    is really useful in in litigation this
  • 00:17:41
    is what I do all the
  • 00:17:42
    time um the
  • 00:17:44
    representative uh is liable on the
  • 00:17:47
    instrument unless the representative
  • 00:17:49
    proves that the original parties did not
  • 00:17:50
    intend the representative to be liable
  • 00:17:52
    on the
  • 00:17:53
    instrument when you clarifi the ELC
  • 00:17:55
    Cap's name the en leges versus the
  • 00:17:58
    natural person that's what you're doing
  • 00:17:59
    right if a representative signs the name
  • 00:18:02
    of the representative as drawer of a
  • 00:18:04
    check without ident the indication of
  • 00:18:07
    the representative status and the check
  • 00:18:09
    is payable from an account of the
  • 00:18:11
    represented person who is identified on
  • 00:18:13
    the check the signer is not liable on
  • 00:18:16
    the check if the signature is an
  • 00:18:17
    authorized signature there so so if you
  • 00:18:19
    have a power attorney on behalf of the
  • 00:18:20
    ELC Cap's name and you sign on behalf of
  • 00:18:22
    the allc caps and name you do it like
  • 00:18:23
    this by Brandon Joe Williams
  • 00:18:25
    representative for Brandon Joe Williams
  • 00:18:27
    representative person uh you don't have
  • 00:18:29
    any liability on the
  • 00:18:31
    check that's what I get from
  • 00:18:33
    this you know you guys thought that you
  • 00:18:36
    know one two and three already made you
  • 00:18:38
    into an invincible [ __ ] T2000
  • 00:18:40
    Terminator well we're just going even
  • 00:18:43
    farther even farther brother you guys
  • 00:18:46
    think that you guys are are invulnerable
  • 00:18:48
    and you guys have infinite money and
  • 00:18:50
    everything oh we aren't even Done Yet
  • 00:18:51
    brother this is just part four we're
  • 00:18:53
    just getting
  • 00:18:56
    started why do you think I'm so [ __ ]
  • 00:18:58
    confident
  • 00:19:01
    it just gets better and better and
  • 00:19:03
    better and better and you're at home
  • 00:19:04
    complaining or your friends are at home
  • 00:19:05
    complaining about they can't pay their
  • 00:19:07
    bills it dude it just gets better and
  • 00:19:10
    better and better and
  • 00:19:17
    better unauthorized signature uh
  • 00:19:20
    3-43 unless otherwise provided in this
  • 00:19:23
    article or article four an unauthorized
  • 00:19:26
    signature is ineffective except as the
  • 00:19:28
    signature of an unauthorized signer in
  • 00:19:31
    favor a person who in good faith pays
  • 00:19:33
    the instrument or pays it for value or
  • 00:19:36
    takes it for Value
  • 00:19:37
    apologize uh an unauthorized signature
  • 00:19:40
    may be ratified for all purposes if the
  • 00:19:42
    signature of more than one person is
  • 00:19:45
    required to constitute the authorized
  • 00:19:47
    signature of an organization the
  • 00:19:49
    signature of the organization is
  • 00:19:52
    unauthorized if one of the required
  • 00:19:54
    signatures is lacking
  • 00:20:00
    okay the Civil or criminal penalty
  • 00:20:03
    liability of a person who makes an
  • 00:20:04
    unauthorized signature is not affected
  • 00:20:06
    by I don't this just seems
  • 00:20:08
    like unauthorized signature so if you
  • 00:20:11
    don't have a power attorney or like
  • 00:20:13
    there's some reason why you're not able
  • 00:20:14
    to pay uh sign on behalf of somebody
  • 00:20:17
    then things happen we're just going to
  • 00:20:19
    speed through this I don't want to I'd
  • 00:20:21
    rather not break this up into two
  • 00:20:23
    sections for tic for section four so
  • 00:20:26
    we're just going to speed through this a
  • 00:20:27
    little bit more speed on this okay
  • 00:20:28
    imposters fictitious
  • 00:20:31
    payes pay is the person that the
  • 00:20:34
    proceeds are supposed to go to if an
  • 00:20:36
    impostor by use of the males or
  • 00:20:38
    otherwise uh induces the issuer of an
  • 00:20:41
    instrument to issue the instrument to
  • 00:20:43
    the
  • 00:20:44
    impostor or to the person acting in
  • 00:20:46
    concert with the impostor by
  • 00:20:47
    impersonating the paye of the instrument
  • 00:20:49
    or a person authorized to act for the
  • 00:20:52
    paye an endorsement of the instrument by
  • 00:20:54
    any person in the name of the pay is
  • 00:20:56
    effective as the endorsement of the paye
  • 00:20:59
    in favor of the person who in good faith
  • 00:21:02
    pays the
  • 00:21:04
    instrument I mean they're pretty much
  • 00:21:06
    doing this to you because they use the
  • 00:21:07
    all caps name and stuff like that it's
  • 00:21:08
    like an impostor or fictitious pay right
  • 00:21:12
    uh to some degree sort of uh a person
  • 00:21:14
    whose intent determines to whom an
  • 00:21:16
    instrument is
  • 00:21:18
    payable um the person identified as pay
  • 00:21:21
    of the instrument is fictitious
  • 00:21:24
    person I mean I don't even know what is
  • 00:21:28
    a a
  • 00:21:31
    fictitious
  • 00:21:33
    ficticious
  • 00:21:36
    person nonexistent people who like
  • 00:21:40
    unlike fictional characters have been
  • 00:21:42
    claimed to actually
  • 00:21:45
    exist that's a tough that's a tough
  • 00:21:49
    thing a legal entity or artificial
  • 00:21:52
    person
  • 00:22:02
    yeah this is a bit this is a bit of a
  • 00:22:03
    difficult one
  • 00:22:23
    because of imposter
  • 00:22:30
    okay not sure if you guys noticed but
  • 00:22:33
    like over the past like five
  • 00:22:35
    days thelaw dictionary. org if you click
  • 00:22:40
    on it it's
  • 00:22:41
    completely [ __ ]
  • 00:22:43
    gone like the entire website has been
  • 00:22:47
    deleted off of the face of the
  • 00:22:49
    Earth which to me is [ __ ] hilarious
  • 00:22:54
    the bar cards are nervous bro they're
  • 00:22:57
    pissings piss thems bro but check it out
  • 00:23:01
    if you go to Google it's got everything
  • 00:23:03
    on a c on a cash or saved or whatever
  • 00:23:05
    because it'll still pull up a lot of the
  • 00:23:08
    definitions and stuff even though that
  • 00:23:10
    if you click on it it's 404
  • 00:23:14
    bro the pickle is stiff bro the pickle
  • 00:23:18
    is stiff
  • 00:23:21
    okay um too many people brusy too many
  • 00:23:26
    people looking up too many words too
  • 00:23:29
    easy on Google got to you know I'm not
  • 00:23:32
    much for you know oh Shadow bands and oh
  • 00:23:35
    this and oh that cuz like I don't ever
  • 00:23:36
    experienc any of that [ __ ] um I think a
  • 00:23:39
    lot of people use that as a way to sort
  • 00:23:41
    of rally the troops quote unquote but
  • 00:23:44
    I'll tell you what this this is this is
  • 00:23:48
    interesting this is interesting if we go
  • 00:23:51
    to the Wayback
  • 00:23:54
    machine uh and we go
  • 00:23:56
    to uh the law dictionary. org thelaw
  • 00:24:03
    dictionary. org and we take a little
  • 00:24:06
    Peak
  • 00:24:08
    peoni uh it looks like the Law
  • 00:24:10
    Dictionary has been around with us since
  • 00:24:13
    2012 and if we go
  • 00:24:18
    to let's see June
  • 00:24:21
    2nd what do we
  • 00:24:23
    got was it around on June 2nd
  • 00:24:30
    yes it
  • 00:24:32
    was we got blacks
  • 00:24:35
    law enter a legal term to start your
  • 00:24:38
    search disclaimer pop legal
  • 00:24:43
    terms
  • 00:24:46
    um what's the word we're looking up
  • 00:24:48
    right now uh legal definition of
  • 00:24:50
    impostor let's see what happens
  • 00:25:01
    pretty interesting pretty
  • 00:25:05
    interesting it was
  • 00:25:08
    here for over 10 years and then now all
  • 00:25:11
    of a sudden recently I mean whatever I
  • 00:25:13
    mean you know there could be real
  • 00:25:14
    Reasons I'm not saying I have evidence
  • 00:25:16
    to prove the fact that it's but I'm
  • 00:25:18
    telling you it's just a fascinating
  • 00:25:20
    fascinating
  • 00:25:22
    [Music]
  • 00:25:23
    situation fash
  • 00:25:33
    fictitious person now you think yourself
  • 00:25:36
    like oh it's a fake ass [ __ ] that
  • 00:25:37
    doesn't exist blah BL blah no no it's a
  • 00:25:40
    legal entity or artificial person such
  • 00:25:42
    as a
  • 00:25:47
    corporation oh my God so impostor is
  • 00:25:51
    interesting fictitious
  • 00:25:53
    payes so fictitious payes means that the
  • 00:25:57
    the payment is to to a corporation or or
  • 00:26:00
    trust or estate or partnership or
  • 00:26:05
    company
  • 00:26:07
    okay impostor I don't know I don't know
  • 00:26:09
    what that it appears to mean what you
  • 00:26:12
    think it means and I look it up and it
  • 00:26:14
    appears to look like it is what you
  • 00:26:16
    think it is
  • 00:26:20
    but a person whose intent determines to
  • 00:26:24
    whom an instrument is payable um does
  • 00:26:26
    not intend the person identif ified as
  • 00:26:28
    pay to have any interest in the
  • 00:26:30
    instrument person identified as pay of
  • 00:26:32
    the instrument is a fictitious person
  • 00:26:35
    um the following rules apply until the
  • 00:26:38
    instrument is negotiated by special
  • 00:26:40
    endorsement interesting okay any person
  • 00:26:43
    in possession of the instrument is its
  • 00:26:45
    holder
  • 00:26:47
    okay an in an endorsement by any person
  • 00:26:50
    in the name of the paye stated in the
  • 00:26:52
    instrument is effective as the
  • 00:26:53
    endorsement of the paye in favor of a
  • 00:26:55
    person who in good faith pays the
  • 00:26:57
    instrument or takes it for for value or
  • 00:26:59
    for
  • 00:27:01
    collection it's
  • 00:27:10
    interesting the El Cap's name is a
  • 00:27:12
    fictitious person so it's just an
  • 00:27:15
    interesting conversation
  • 00:27:23
    here an endorsement is made under uh in
  • 00:27:27
    the name of the PE if it is made in a
  • 00:27:29
    name substantially similar to that of oh
  • 00:27:32
    my
  • 00:27:33
    God are you seeing this an endorsement
  • 00:27:35
    is made in the name of a p if it is made
  • 00:27:39
    in a name substantially similar to that
  • 00:27:41
    of the PE oh my
  • 00:27:45
    God bro th this is
  • 00:27:48
    just this is
  • 00:27:52
    just I don't even I can't even bro how
  • 00:27:55
    do you even
  • 00:28:00
    that's the LC Cap's name that's the
  • 00:28:02
    that's the lower uppercase name and the
  • 00:28:04
    LC Cap's
  • 00:28:09
    name two the instrument whether or not
  • 00:28:13
    Endor is deposited in depository Banker
  • 00:28:15
    account in a name substantially similar
  • 00:28:17
    to that of the
  • 00:28:20
    paye
  • 00:28:23
    my oh look at that they've got their own
  • 00:28:25
    little insurance policy between the the
  • 00:28:28
    the upper and lower case name and the
  • 00:28:30
    ELC caps name wow congratulations boys
  • 00:28:32
    you guys thought of everything this is
  • 00:28:34
    brilliant look at
  • 00:28:36
    [Music]
  • 00:28:38
    this oh my
  • 00:28:44
    God so they're saying a fictitious name
  • 00:28:47
    and impostor and all this but then
  • 00:28:48
    they've got their little the little
  • 00:28:49
    insurance policy right
  • 00:28:52
    here oh no if the names sound the same
  • 00:28:54
    they look the same and that you know
  • 00:28:55
    they're a little bit different oh
  • 00:28:56
    they're the same thing and it's all good
  • 00:28:58
    it's all good brother it's all
  • 00:29:01
    good with respect to an instrument uh to
  • 00:29:04
    which subsection A or B applies of a
  • 00:29:06
    person applying uh a person paying the
  • 00:29:09
    instrument which means performance I'm
  • 00:29:10
    going to keep saying it if if a person
  • 00:29:13
    paying the instrument or taking it for
  • 00:29:15
    value or collection fails to exercise
  • 00:29:17
    ordinary care in the paying or taking of
  • 00:29:20
    the instrument and that failure
  • 00:29:21
    substantially contributes the loss blah
  • 00:29:23
    blah blah the person bearing the loss
  • 00:29:25
    May recover from the person failing to
  • 00:29:27
    ex exercise ordinary care to the extent
  • 00:29:29
    of the okay fine what's ordinary care
  • 00:29:35
    mean observance of reasonable commercial
  • 00:29:37
    standards prevailing in the area where
  • 00:29:39
    the person is
  • 00:29:40
    located with respect to the business in
  • 00:29:43
    which the person is engaged in the case
  • 00:29:46
    of a bank that takes an instrument for
  • 00:29:48
    processing or collection or payment by
  • 00:29:51
    automated means reasonable commercial
  • 00:29:53
    standards do not require the bank to
  • 00:29:54
    examine the instrument okay fine
  • 00:29:57
    whatever just typical horseshit
  • 00:30:00
    okay I'm not sure all about this you can
  • 00:30:02
    look at it for yourself we're going to
  • 00:30:04
    start speeding through this like I said
  • 00:30:05
    employer's respons oh employer's
  • 00:30:08
    responsibility for fraudulent
  • 00:30:09
    endorsement by employee what the [ __ ] in
  • 00:30:13
    this section employee means an
  • 00:30:15
    independent contractor and employee
  • 00:30:19
    wow nothing irritates me more bro if I'm
  • 00:30:22
    at a court of law and I ask the
  • 00:30:24
    definition of a word and they use that
  • 00:30:26
    word in the definition of the word I am
  • 00:30:29
    literally going to go [ __ ]
  • 00:30:35
    ballistic I am going to make that courts
  • 00:30:39
    life a living hell they're going to wish
  • 00:30:43
    they were
  • 00:30:45
    dead I'm
  • 00:30:48
    serious you don't ever that is that is
  • 00:30:51
    that is the that is rule number one in
  • 00:30:56
    my book if you ever use the word that I
  • 00:31:02
    am asking you for the definition in the
  • 00:31:06
    definition I am going to lock on to you
  • 00:31:10
    and I am going to make your entire blood
  • 00:31:14
    lineage
  • 00:31:16
    pay that sounds very vindictive and very
  • 00:31:19
    vengeful and I'm not a vengeful person
  • 00:31:21
    and I don't stand for violence I'm a
  • 00:31:23
    peaceful man but I'm telling you that's
  • 00:31:25
    going to piss me off
  • 00:31:32
    employee includes an independent
  • 00:31:34
    contractor and
  • 00:31:41
    employe if if this was a simple
  • 00:31:43
    conversation and I just wanted to know
  • 00:31:44
    the definition of employee if I saw this
  • 00:31:47
    now I'm going to discipline you we are
  • 00:31:49
    going to talk about this so incessant
  • 00:31:52
    and for so long and I'm going to ask you
  • 00:31:54
    so many questions literally just to
  • 00:31:56
    spite you
  • 00:32:00
    if you would just give me the definition
  • 00:32:02
    I wouldn't do that I'd move
  • 00:32:08
    on of an independent contractor retained
  • 00:32:11
    by the employer I don't know it doesn't
  • 00:32:14
    tell
  • 00:32:15
    you this is you you guys think this is
  • 00:32:18
    terrible oh this is a terrible
  • 00:32:19
    definition and oh that just means it oh
  • 00:32:21
    no this is
  • 00:32:23
    perfect because now you're going to ask
  • 00:32:25
    500,000
  • 00:32:29
    questions and it's going to take six
  • 00:32:33
    weeks to get through this
  • 00:32:37
    definition that's what it
  • 00:32:40
    means it means that the the bar card on
  • 00:32:42
    the other end of the table his his
  • 00:32:44
    client is about ready to pay his bar
  • 00:32:45
    card
  • 00:32:50
    $39,000 in
  • 00:32:52
    work cuz you're going to drag them both
  • 00:32:56
    through the mud for 6 weeks trying to
  • 00:32:58
    figure out what this means because as
  • 00:33:01
    far as you're concerned this is
  • 00:33:02
    fraud using a word inside of the
  • 00:33:05
    definition of the word is
  • 00:33:08
    fraud that's how you handle the
  • 00:33:14
    situation number two fraudulent
  • 00:33:17
    endorsement means one in the case of an
  • 00:33:21
    endorsement payable to the employer a
  • 00:33:23
    forg endorsement purporting to be that
  • 00:33:25
    of the employer or two in the case of an
  • 00:33:29
    instrument with respect to the employer
  • 00:33:30
    is the issuer a forg endorsement
  • 00:33:32
    purporting to be that of the person okay
  • 00:33:34
    identifi as pay so that just means like
  • 00:33:37
    it means what it says it means pretty
  • 00:33:38
    much
  • 00:33:40
    responsibility it's got to be this long
  • 00:33:42
    convolute thing so so so with respect to
  • 00:33:44
    instruments it means authority
  • 00:33:46
    to sign or endorse instruments on behalf
  • 00:33:49
    of the
  • 00:33:50
    employer to process instruments received
  • 00:33:53
    by the employer for bookkeeping
  • 00:33:56
    purposes for deposit to an account or to
  • 00:33:58
    other disposition to prepare or process
  • 00:34:02
    instruments for issue in the name of the
  • 00:34:04
    employer to supply information
  • 00:34:06
    determining the names or addresses of
  • 00:34:08
    payes or instruments to be issued in the
  • 00:34:10
    name of the employer to control the
  • 00:34:12
    disposition of instruments to be issued
  • 00:34:15
    in the name of the employer or to act
  • 00:34:18
    with respect to instruments in a
  • 00:34:20
    reasonable in a responsible capacity
  • 00:34:23
    responsibility does not include
  • 00:34:25
    Authority which merely allows an
  • 00:34:28
    employee to have access to instruments
  • 00:34:31
    or blank or incomplete
  • 00:34:35
    instruments or incomplete instrument
  • 00:34:38
    forms incomplete
  • 00:34:42
    oh 3
  • 00:34:46
    d115 means assigned writing whether or
  • 00:34:49
    not issued by the
  • 00:34:50
    signer contents of which okay so so an
  • 00:34:55
    unissued which may be signed or or un
  • 00:34:57
    fine
  • 00:35:02
    okay for the purpose of determining the
  • 00:35:05
    rights and liabilities of a person who
  • 00:35:06
    in good faith pays an instrument or
  • 00:35:08
    takes it for value or collection or for
  • 00:35:11
    collection if an If an employer
  • 00:35:13
    interested an employee with a
  • 00:35:15
    responsibility with respect to the
  • 00:35:17
    instrument and the employee or person
  • 00:35:19
    acting in concert with the employee
  • 00:35:21
    makes a fraudulent endorsement of the
  • 00:35:23
    instrument the the endorsement is
  • 00:35:26
    effective
  • 00:35:28
    as the endorsement of the person to whom
  • 00:35:30
    the
  • 00:35:35
    okay so it's just talking about like if
  • 00:35:37
    you if you if you endorse something on
  • 00:35:39
    behalf of someone else like does it get
  • 00:35:41
    issued was that endorsement approved was
  • 00:35:45
    it disapproved was it approved to be on
  • 00:35:47
    there but was never approved to be
  • 00:35:49
    issued like we're getting
  • 00:35:51
    into more banking almost at this point I
  • 00:35:55
    don't really know I'm trying to think of
  • 00:35:56
    like examples of where these kinds of
  • 00:35:58
    situations would be applicable I don't
  • 00:35:59
    really know you know you have a bank and
  • 00:36:02
    they the guy says yeah you can put the
  • 00:36:04
    endorsement on there but don't issue it
  • 00:36:06
    yet and then they issue it or vice versa
  • 00:36:09
    or something it's like a it's just
  • 00:36:11
    getting into the weeds in terms of that
  • 00:36:14
    whole that whole subject okay
  • 00:36:17
    so uh an endorsement is made in the name
  • 00:36:20
    of the person to whom the instrument is
  • 00:36:21
    payable if it's made under a name
  • 00:36:23
    similar to the name of that person the
  • 00:36:25
    instrument whether or not endorses
  • 00:36:26
    deposit
  • 00:36:28
    okay fine so that just has to do with
  • 00:36:30
    what it says employer employer
  • 00:36:33
    responsibility for fraudulent
  • 00:36:34
    endorsement by an employee it's kind of
  • 00:36:36
    more
  • 00:36:38
    specific it's more of a it's more of
  • 00:36:40
    like an in the weeds kind of a situation
  • 00:36:42
    we're not going to get into that too
  • 00:36:44
    much you can read that negligence
  • 00:36:46
    contributing to Ford signature or
  • 00:36:48
    alteration of the
  • 00:36:51
    instrument again we're kind of off into
  • 00:36:53
    the weeds here let's see what we
  • 00:36:55
    got uh a person who's failed to exercise
  • 00:36:58
    ordinary care substantially contributes
  • 00:37:00
    to an alteration of an instrument or to
  • 00:37:02
    the making of a forge signature on an
  • 00:37:03
    instrument is precluded from
  • 00:37:06
    asserting the alteration of the forgery
  • 00:37:09
    against a person who in good
  • 00:37:11
    faith so so what I get from this is if
  • 00:37:14
    you're really sloppy and a dumbass if
  • 00:37:17
    some [ __ ] goes down and you're like
  • 00:37:18
    really really [ __ ] and sloppy then
  • 00:37:21
    like maybe possibly like the instrument
  • 00:37:22
    could still be negotiated something like
  • 00:37:24
    that that's what I get from this but I'm
  • 00:37:25
    not going to I'm not going to dig into
  • 00:37:28
    every word here this is
  • 00:37:29
    not major major 101 for us this is a
  • 00:37:32
    little bit more
  • 00:37:35
    specific the person is suiting asserting
  • 00:37:37
    the uh the preclusion fails to exercise
  • 00:37:39
    ordinary care and paying or taking the
  • 00:37:41
    instrument and that failure
  • 00:37:43
    substantially contributes to the loss
  • 00:37:45
    the loss is allocated between the person
  • 00:37:47
    precluded and the person yeah so it's
  • 00:37:48
    just like we're spreading out the loss
  • 00:37:50
    because you're a dumbass
  • 00:37:52
    okay the burden of proving failure to
  • 00:37:55
    exercise ordinary care and the person
  • 00:37:57
    blah blah okay anyways this is this is
  • 00:37:59
    not anything that most of my people are
  • 00:38:01
    going to need to deal with so 3- 407
  • 00:38:07
    alteration an unauthorized charge in an
  • 00:38:09
    instrument that purports to modify in
  • 00:38:12
    any respect the obligation of a party to
  • 00:38:15
    an unauthorized addition of words or
  • 00:38:18
    numbers or other change to an incomplete
  • 00:38:21
    instrument relating to the obligation of
  • 00:38:23
    a party an alteration frequently made
  • 00:38:28
    discharges a party whose obligation is
  • 00:38:31
    affected by the alteration unless the
  • 00:38:33
    party asense or is precluded from
  • 00:38:36
    asserting the alteration no other
  • 00:38:40
    alteration discharges a party and the
  • 00:38:42
    instrument may be enforced according to
  • 00:38:44
    its original terms okay fine this is not
  • 00:38:48
    really what we're trying to look for in
  • 00:38:50
    this videos a payer bank or Draw e
  • 00:38:54
    paying a fraudulently altered instrument
  • 00:38:57
    or a person taking it for Value in good
  • 00:38:59
    faith and without notice of the
  • 00:39:00
    alteration May enforce rights with
  • 00:39:02
    respect to the instrument
  • 00:39:05
    okay okay this is a little bit
  • 00:39:08
    interesting but but overall this is not
  • 00:39:11
    really anything that we're going to need
  • 00:39:12
    to deal with so we're going to skip over
  • 00:39:16
    that
  • 00:39:18
    3-48 draw e not liable on unaccepted
  • 00:39:22
    draft a check or other draft does not of
  • 00:39:26
    itself operate r as an assignment of
  • 00:39:28
    funds in the hands of the draw e
  • 00:39:30
    available for its payment and the draw e
  • 00:39:32
    is not
  • 00:39:33
    liable on the instrument until the draw
  • 00:39:36
    e accepts
  • 00:39:42
    it acceptance is defined as delivery so
  • 00:39:45
    let's let's just see where this goes
  • 00:39:47
    let's see where this goes here we go
  • 00:39:49
    acceptance of draft let's let's see if
  • 00:39:51
    we're let's see if we're getting there
  • 00:39:53
    it looks like they're building it up
  • 00:39:54
    they're building it out here we go
  • 00:39:58
    acceptance of draft C certified check uh
  • 00:40:01
    acceptance means the draw ease signed
  • 00:40:04
    agreement to pay a draft as
  • 00:40:07
    presented it must be written on the
  • 00:40:10
    draft and may consist of the draw e
  • 00:40:13
    signature alone what's the draw e again
  • 00:40:15
    let's just real
  • 00:40:18
    quick the draw e is the person ordered
  • 00:40:21
    in a draft to make payment so [ __ ] you
  • 00:40:24
    pay this by this day Okay so so
  • 00:40:27
    acceptance means
  • 00:40:32
    the H
  • 00:40:49
    interesting okay
  • 00:40:55
    okay um so a
  • 00:40:59
    signature interesting okay
  • 00:41:22
    so acceptance means the draw e signed
  • 00:41:26
    agreement to pay a draft as
  • 00:41:29
    presented it must be written on the
  • 00:41:32
    draft and may consist of the draw e
  • 00:41:36
    signature
  • 00:41:40
    alone acceptance may be made at any time
  • 00:41:43
    and becomes effective when the
  • 00:41:45
    notification pursuant to
  • 00:41:48
    instructions is
  • 00:41:52
    given or the accepted draft is delivered
  • 00:41:56
    that's the what we're looking for
  • 00:41:58
    for the purpose of giving rights on the
  • 00:42:01
    acceptance to any
  • 00:42:12
    person we're getting we're getting into
  • 00:42:14
    some really good stuff here this is this
  • 00:42:16
    is the this is the meat and potatoes
  • 00:42:18
    right here this we need to we need to
  • 00:42:20
    focus on this you see you see me
  • 00:42:22
    skipping a lot of [ __ ] this here we are
  • 00:42:25
    not going to skip this this is extremely
  • 00:42:27
    important for everything we're doing so
  • 00:42:30
    a draft may be accepted although it has
  • 00:42:34
    not been
  • 00:42:36
    signed by the
  • 00:42:38
    drawer is otherwise incomplete is
  • 00:42:41
    overdue or has been
  • 00:42:44
    Dishonored if a draft is payable at a
  • 00:42:47
    fixed after sign and the acceptor fails
  • 00:42:50
    to date the acceptance the
  • 00:42:53
    holder um
  • 00:42:59
    certified check just
  • 00:43:01
    means we already went out of that
  • 00:43:02
    earlier as far as I'm concerned it means
  • 00:43:04
    a check that has a medallion signature
  • 00:43:07
    guarantee on
  • 00:43:08
    it so let's see here acceptance means
  • 00:43:13
    the draw e signed agreement to pay a
  • 00:43:17
    draft as
  • 00:43:24
    presented so if you already have a let's
  • 00:43:26
    say you have a credit card and you have
  • 00:43:27
    an agreement at the beginning of the
  • 00:43:28
    credit card and and the agreement says a
  • 00:43:30
    promise to
  • 00:43:34
    pay that would be the signed agreement
  • 00:43:36
    to pay a draft as presented and then
  • 00:43:38
    from
  • 00:43:41
    there it must be written and it can be
  • 00:43:44
    accepted even though it has not been
  • 00:43:46
    signed by the drawer which means the
  • 00:43:48
    person who signed to make
  • 00:43:51
    it the person ordering payment yeah
  • 00:44:00
    acceptance means the draw EAS signed
  • 00:44:04
    agreement to pay a draft as presented it
  • 00:44:08
    must be written on the
  • 00:44:23
    draft signature
  • 00:44:27
    let's go back to that what is
  • 00:44:30
    [Music]
  • 00:44:41
    signature a person is not liable on an
  • 00:44:43
    instrument unless the person signed the
  • 00:44:45
    instrument BL so what a signature it
  • 00:44:48
    maybe made it's the definition is made
  • 00:44:51
    manually or by means of a device or a
  • 00:44:53
    machine and by use of any name including
  • 00:44:56
    a trade or assume name name or by a word
  • 00:44:59
    Mark or symbol executed or adopted by a
  • 00:45:02
    person with present intention to
  • 00:45:05
    authenticate a
  • 00:45:08
    writing this is pretty much the
  • 00:45:10
    definition of signature right
  • 00:45:13
    here any assume name trade name word
  • 00:45:18
    Mark or symbol
  • 00:45:21
    executed by a person with the intention
  • 00:45:25
    to authenticate a
  • 00:45:31
    writing
  • 00:45:33
    so means a draw
  • 00:45:37
    ease signed
  • 00:45:40
    agreement to pay a draft as presented
  • 00:45:43
    so so so in the case of a credit card
  • 00:45:46
    this would be like the sign the signed
  • 00:45:49
    agreement prior to all the transactions
  • 00:45:52
    when you first first signed up
  • 00:45:57
    it must be written on the
  • 00:45:59
    draft and may consist of the draw e
  • 00:46:02
    signature
  • 00:46:05
    alone draw signature
  • 00:46:08
    alone so this is what you see on the
  • 00:46:11
    credit card transactions if you go to a
  • 00:46:14
    restaurant they're going to have you
  • 00:46:15
    sign the promisory note so that's the
  • 00:46:19
    that's the that's the draw e signature
  • 00:46:21
    alone accept any time becomes
  • 00:46:25
    effective when notification pursuant to
  • 00:46:28
    instructions is
  • 00:46:29
    [Music]
  • 00:46:33
    given so is that why like it says in
  • 00:46:36
    the credit card member agreement that
  • 00:46:40
    like whether you sign it or not it
  • 00:46:42
    doesn't matter it's still like a binding
  • 00:46:44
    thing because acceptance may be made at
  • 00:46:46
    any time and becomes effective when
  • 00:46:48
    notification pursuant to instructions is
  • 00:46:51
    given or when it's delivered
  • 00:46:59
    if you look in the card member agreement
  • 00:47:00
    it says like you you promised to pay for
  • 00:47:03
    the transactions even if you didn't sign
  • 00:47:04
    for them or even if they nobody signed
  • 00:47:06
    for them and blah blah blah BL blah so
  • 00:47:08
    I'm just trying to think like that
  • 00:47:09
    that's kind of what this is here that
  • 00:47:10
    we're looking at
  • 00:47:13
    acceptance there was a previous signed
  • 00:47:15
    agreement to pay the directors presented
  • 00:47:17
    and then and then at that
  • 00:47:21
    point it can happen whether or not you
  • 00:47:23
    did or not or something um
  • 00:47:31
    I'm gonna I'm going to change out of
  • 00:47:32
    this outfit I'm burning up I'm dying so
  • 00:47:34
    just give me a minute you guys can look
  • 00:47:35
    at this uh and and we'll I'll come back
  • 00:47:39
    in just a minute this is important this
  • 00:47:40
    is really important we can't just skip
  • 00:47:42
    over this so we got to figure this out
  • 00:47:44
    let me give me just a
  • 00:47:55
    moment
  • 00:48:25
    for for
  • 00:49:03
    okay that thing is hot that thing is
  • 00:49:06
    like Beyond Hot that thing is like that
  • 00:49:09
    thing is like
  • 00:49:12
    siberian woo that thing is hot bro okay
  • 00:49:16
    so okay
  • 00:49:29
    acceptance means the draw e signed
  • 00:49:31
    agreement to pay a draft as
  • 00:49:35
    presented that's kind of like beforehand
  • 00:49:37
    it's a
  • 00:49:39
    beginning like a credit card agreement
  • 00:49:41
    okay it must be written on the draft and
  • 00:49:44
    consist of the draw e signature
  • 00:49:50
    alone sentence may be made at any
  • 00:49:53
    time and becomes effective when
  • 00:49:55
    notification pursuing two
  • 00:49:58
    instructions is given or the accepted
  • 00:50:01
    draft is
  • 00:50:12
    delivered if you guys see this is
  • 00:50:14
    interesting if you guys see this look if
  • 00:50:17
    you go to the bill of exchange
  • 00:50:19
    act you'll see acceptance means an
  • 00:50:21
    acceptance completed by delivery or
  • 00:50:24
    notification and you see those words
  • 00:50:26
    here
  • 00:50:28
    you see the word
  • 00:50:29
    delivery you see the word notification
  • 00:50:32
    and you see the word
  • 00:50:35
    delivery so so we're looking at we're
  • 00:50:38
    looking at old [ __ ] man I'm telling you
  • 00:50:41
    you guys think this is all going to
  • 00:50:42
    change and they're just going to they're
  • 00:50:44
    just going to shift everything and we're
  • 00:50:45
    not going to be able to no
  • 00:50:51
    no it's old [ __ ] bro you're looking at a
  • 00:50:55
    this is a philosophy study this this is
  • 00:50:56
    a study of history this is old old old
  • 00:50:59
    as
  • 00:51:01
    [ __ ] and if you think it goes back only
  • 00:51:04
    as far as the bill of exchange Act of
  • 00:51:05
    1882 I don't know it could go back even
  • 00:51:08
    to to 1600s or for I have no idea I'm
  • 00:51:12
    just showing you guys they've plugged
  • 00:51:15
    everything in this is not just them
  • 00:51:17
    making up [ __ ] this is like every aspect
  • 00:51:21
    of our history has been carefully
  • 00:51:22
    plugged into these codes okay
  • 00:51:27
    you're you're the only one that's been
  • 00:51:29
    left out of the loop you you and me
  • 00:51:32
    okay
  • 00:51:35
    so they they aren't just making this
  • 00:51:37
    [ __ ] up and coming out of nowhere and
  • 00:51:39
    pulling it out of their ass this is old
  • 00:51:40
    bro old old old old old old old I had
  • 00:51:43
    was on a show a couple days ago they go
  • 00:51:45
    was like oh this is Babylon this is as
  • 00:51:46
    old as Babylon yeah well probably is
  • 00:51:52
    okay you know if we had real money and
  • 00:51:55
    gold and silver coins and we had
  • 00:51:56
    negotiable instruments and it wasn't the
  • 00:51:58
    primary means of trans of of of
  • 00:52:00
    exchange you had to think all this
  • 00:52:02
    information would make
  • 00:52:05
    sense you wouldn't have any problem with
  • 00:52:07
    with all this information if only you
  • 00:52:10
    know a small percentage and and this and
  • 00:52:12
    that and it wasn't everything and it was
  • 00:52:13
    just there was gold and silver coins and
  • 00:52:15
    then some people decided they wanted to
  • 00:52:16
    go into all this
  • 00:52:17
    goofiness all this information applies
  • 00:52:20
    to
  • 00:52:22
    that the problem is is that because
  • 00:52:24
    everything is a negotiable instrument
  • 00:52:26
    everywhere every goddamn thing
  • 00:52:29
    everything that's why this has become
  • 00:52:31
    such an
  • 00:52:32
    issue
  • 00:52:36
    okay I'm having a bit of a hard time
  • 00:52:38
    really totally getting this one I'm
  • 00:52:40
    telling you this is really really
  • 00:52:41
    important so I'm just I'm going to try
  • 00:52:43
    one more time and then and then we're
  • 00:52:45
    going to move on acceptance of draft
  • 00:52:47
    certified
  • 00:52:48
    check acceptance means the draw e signed
  • 00:52:51
    agreement to pay a draft as presented
  • 00:52:54
    okay draft means
  • 00:53:01
    well draft means the same as the bill of
  • 00:53:02
    exchange I don't see it here let's see
  • 00:53:05
    yeah it's it's a note an instrument is a
  • 00:53:08
    note if it is a promise and it's a draft
  • 00:53:10
    if it's an order yeah so it's a bill of
  • 00:53:12
    exchange okay fine
  • 00:53:14
    easy easy
  • 00:53:16
    peasy
  • 00:53:22
    um means a draw e signed agreement to
  • 00:53:25
    pay a draft as presented it must be
  • 00:53:29
    written on the
  • 00:53:31
    draft and may
  • 00:53:33
    consist and may
  • 00:53:36
    consist okay
  • 00:53:39
    may consist of the draw e signature
  • 00:53:42
    alone
  • 00:53:44
    okay so let's just skip that because May
  • 00:53:48
    kind of puts a possibility acceptance
  • 00:53:52
    may be made at any time and becomes
  • 00:53:56
    effective when
  • 00:53:58
    notification pursuant to instructions is
  • 00:54:01
    given or the accepted draft is delivered
  • 00:54:05
    for the purpose of giving rights on the
  • 00:54:08
    acceptance to any
  • 00:54:10
    person so it's sort of like when you
  • 00:54:13
    when you send someone when you when you
  • 00:54:14
    tender and then and then you deliver the
  • 00:54:17
    instrument you're giving them the
  • 00:54:19
    rights to enforce the instrument right
  • 00:54:23
    they become the holder whoever you send
  • 00:54:24
    it to you're not the holder anymore
  • 00:54:26
    you've given that away to somebody
  • 00:54:28
    else
  • 00:54:39
    so a draft may be accepted although it
  • 00:54:43
    has not been signed by the draw is
  • 00:54:46
    otherwise incomplete is overdue or has
  • 00:54:48
    been Dishonored
  • 00:55:00
    as long as there's a previous agreement
  • 00:55:02
    that you guys are going to be sending
  • 00:55:03
    [ __ ] back to each other um I feel like
  • 00:55:06
    it's still the original definition that
  • 00:55:08
    I always talk about which is just
  • 00:55:10
    delivered acceptance is delivered but
  • 00:55:13
    according to this I feel like it's a
  • 00:55:14
    little bit different because it has to
  • 00:55:15
    have some previous
  • 00:55:23
    agreement I could be wrong on this
  • 00:55:25
    though
  • 00:55:26
    this is very important but I'm just I'm
  • 00:55:28
    just having a hard time navigating this
  • 00:55:32
    okay now the thing is is that you can
  • 00:55:34
    have all the hard time navigating this
  • 00:55:35
    that you want if I if I have a hard time
  • 00:55:37
    navigating this bring it up in Discovery
  • 00:55:40
    and a lawsuit and let's talk about it
  • 00:55:41
    for six
  • 00:55:42
    months no big deal we'll figure it all
  • 00:55:46
    out if you think I don't get it I know
  • 00:55:49
    for a fact they don't get it um nobody
  • 00:55:52
    gets
  • 00:55:53
    it so we're going to talk about 3- 409
  • 00:55:57
    if they say oh no we didn't accept oh
  • 00:55:59
    dude no problem bro no problem let's
  • 00:56:02
    talk about this for [ __ ] two months
  • 00:56:04
    not an issue at
  • 00:56:08
    all let's study the
  • 00:56:10
    entire
  • 00:56:12
    history of every [ __ ] word in
  • 00:56:17
    this or or let's you
  • 00:56:21
    know let's go and say what is is the equ
  • 00:56:29
    equivalent I don't know how to spell it
  • 00:56:31
    so [ __ ] me of
  • 00:56:35
    U 3- 49 in
  • 00:56:39
    California state
  • 00:56:43
    law let's see what comes
  • 00:56:52
    up California Financial code
  • 00:57:04
    let's um let's ask let's ask
  • 00:57:09
    AI chat GPT is probably going to be
  • 00:57:12
    better at this but I'm going to ask um I
  • 00:57:14
    don't have access to that I don't really
  • 00:57:16
    care that much I'm going to ask meta AI
  • 00:57:19
    what is
  • 00:57:22
    the
  • 00:57:24
    California state
  • 00:57:32
    equiv
  • 00:57:34
    alent of
  • 00:57:37
    ucc3
  • 00:57:52
    d49 California Commercial Code Section
  • 00:57:55
    341 9 is what I've been told here let's
  • 00:57:59
    take a look and see if that's correct
  • 00:58:00
    California Commercial Code section
  • 00:58:04
    3419
  • 00:58:06
    California
  • 00:58:08
    Commercial
  • 00:58:10
    Code Commercial Code section
  • 00:58:20
    3419
  • 00:58:22
    interesting interesting it looks like it
  • 00:58:25
    it did it it does look pretty liability
  • 00:58:28
    of part parties we have sections 341
  • 00:58:31
    through
  • 00:58:33
    3420 um is this what we were looking for
  • 00:58:37
    no that does not look like what we're
  • 00:58:39
    looking for um we're looking for
  • 00:58:44
    3419
  • 00:58:46
    um but this is a great example like I
  • 00:58:49
    told you at the beginning of this little
  • 00:58:50
    mini course people will tell
  • 00:58:54
    you California doesn't have you see
  • 00:58:58
    see [ __ ] it's all there okay I'm
  • 00:59:03
    talking about without recourse look at
  • 00:59:05
    this okay it's
  • 00:59:07
    it's it's all
  • 00:59:09
    here and actually if you can't figure it
  • 00:59:11
    out in the in the federal it's actually
  • 00:59:13
    good to look on the state because
  • 00:59:14
    because it might be worded in a
  • 00:59:16
    different way where you can actually
  • 00:59:17
    understand it okay this is great this
  • 00:59:19
    gives you one more opportunity to try to
  • 00:59:21
    understand this stuff
  • 00:59:24
    okay so let's see we got
  • 00:59:28
    um California Commercial Code
  • 00:59:32
    3419 if an instrument is issued for
  • 00:59:36
    value given for the benefit of a party
  • 00:59:39
    to the instrument accommodated party and
  • 00:59:41
    another party to the instrument
  • 00:59:43
    accommodation party signs the instrument
  • 00:59:44
    for the purpose of incurring
  • 00:59:47
    liability
  • 00:59:50
    um let's see
  • 00:59:56
    oh look got a bunch of definitions here
  • 00:59:58
    that's cool what's what's the definition
  • 01:00:00
    of
  • 01:00:02
    recourse I saw recourse
  • 01:00:07
    here an arrangement in which a bank
  • 01:00:10
    retains in form or in substance any
  • 01:00:12
    credit risk or indirectly associated
  • 01:00:15
    with an asset it is
  • 01:00:18
    sold
  • 01:00:20
    interesting interesting
  • 01:00:45
    all right I'm not toou sure on this I'm
  • 01:00:46
    not going
  • 01:00:47
    to go into this any further
  • 01:00:51
    um but I I can tell you this is
  • 01:00:53
    important this is very very important
  • 01:00:55
    we've gone into this
  • 01:00:56
    some I recommend that if you would like
  • 01:01:00
    to uh dig into something you know a lot
  • 01:01:02
    of the stuff I'm like we don't need this
  • 01:01:05
    this this is this is this is the heart
  • 01:01:07
    of
  • 01:01:09
    everything if you if you want to spend
  • 01:01:11
    some time going down this rabbit hole
  • 01:01:13
    and figure out acceptance and figure out
  • 01:01:15
    state acceptance and certified check and
  • 01:01:18
    and what all this means and and really
  • 01:01:20
    really dig down
  • 01:01:21
    this I'm telling you right now 3- 49
  • 01:01:24
    this is a very very lucrative Rabbit
  • 01:01:27
    Hole I can tell I can definitely tell
  • 01:01:30
    you this is this is
  • 01:01:32
    important I'm not going to spend any
  • 01:01:33
    more time on this um I'm not sure where
  • 01:01:36
    to even go on this uh I'm going to need
  • 01:01:39
    to put this in the God knows but but
  • 01:01:43
    highly highly
  • 01:01:46
    highly highly important
  • 01:01:49
    bin and whenever this figures itself out
  • 01:01:53
    I'll be sure to let you guys know but
  • 01:01:55
    this is this is is going in the top
  • 01:01:56
    tippy top priority bin of I don't knows
  • 01:02:00
    but but as soon as I do this is it this
  • 01:02:03
    is hot hot hot hot so check your state
  • 01:02:07
    maybe it has some really cool really
  • 01:02:09
    simple language that clarifies this and
  • 01:02:11
    it'll just bust this whole thing wide
  • 01:02:16
    open signature by
  • 01:02:20
    representative uh someone signing on
  • 01:02:22
    behalf uh you're bound as if you are or
  • 01:02:26
    or would be if the signature was on a
  • 01:02:28
    simple
  • 01:02:29
    contract wait did I did I oh no no we've
  • 01:02:34
    already gone past this I was going to
  • 01:02:35
    say I'm like already
  • 01:02:37
    tired um let's
  • 01:02:41
    see we're here acceptance varying
  • 01:02:46
    draft the terms of a draw e acceptance
  • 01:02:50
    vary from the terms of the draft is
  • 01:02:52
    presented the holder May refuse the
  • 01:02:54
    acceptance and treat the draft as de
  • 01:03:04
    honored okay I think this is kind of
  • 01:03:06
    like what they're trying to do all the
  • 01:03:07
    time but that's not really going to
  • 01:03:09
    work um the terms of the draft are not
  • 01:03:12
    varied by an acceptance to pay at a
  • 01:03:14
    particular bank or place in the United
  • 01:03:17
    States unless the acceptance states of
  • 01:03:20
    the draft is to be paid only at that
  • 01:03:22
    bank or place
  • 01:03:27
    now you got to realize you can use all
  • 01:03:28
    this [ __ ] on them if they try to use
  • 01:03:31
    this [ __ ] on you what you're going to do
  • 01:03:34
    in defense is you're going to every
  • 01:03:36
    [ __ ] word every [ __ ] word you want
  • 01:03:44
    to know the
  • 01:03:46
    definition what is the definition of
  • 01:03:48
    the' what is the definition of terms
  • 01:03:50
    what is the definition of of what is the
  • 01:03:53
    definition of a you you if if they try
  • 01:03:56
    to use any of this stuff on you I've
  • 01:03:58
    never seen any of the bar cars try to
  • 01:04:00
    use any of this stuff on anybody in fact
  • 01:04:02
    they won't talk about it if you put a
  • 01:04:04
    goddamn shotgun in their mouth I'm
  • 01:04:07
    telling you in the future if they ever
  • 01:04:09
    shift their position from being little
  • 01:04:12
    [ __ ] and and avoiding everything and
  • 01:04:14
    pretending as though they've got it all
  • 01:04:15
    figured out when they're actually
  • 01:04:16
    clinically [ __ ] if it ever changes
  • 01:04:19
    and they start actually bringing this
  • 01:04:21
    [ __ ] up you want to every word you want
  • 01:04:27
    to slam into them like Juggernaut from
  • 01:04:30
    the
  • 01:04:31
    X-Men bricks walls buildings everything
  • 01:04:35
    is getting torn apart every
  • 01:04:39
    word sipping
  • 01:04:42
    coffee you want to know everything in in
  • 01:04:47
    in pain if if they say if they say oh a
  • 01:04:50
    draft is blah blah blah and they say
  • 01:04:52
    something inside of their explanation
  • 01:04:54
    that you do not understand you oh what
  • 01:04:57
    does that mean stop right there not
  • 01:05:00
    another [ __ ] word what is that word
  • 01:05:03
    inside of the word of which you define
  • 01:05:05
    the word draft what does that mean I
  • 01:05:07
    need to understand that's what you're
  • 01:05:10
    going to be doing I'm just letting you
  • 01:05:12
    know eventually we're going to get to a
  • 01:05:14
    point
  • 01:05:15
    where I don't even know if these bar
  • 01:05:17
    cards maybe they're all going to give up
  • 01:05:19
    and lay on train tracks and there's
  • 01:05:20
    going to be a
  • 01:05:22
    Jonestown uh a suicide Packa and they're
  • 01:05:24
    all going to get together and they're
  • 01:05:25
    going to be in white robes and I I you
  • 01:05:27
    know they they're going to drink the
  • 01:05:28
    Kool-Aid for all I know I have no idea
  • 01:05:31
    but I'm telling you right now if they do
  • 01:05:33
    start to actually develop brain cells
  • 01:05:35
    through
  • 01:05:36
    Evolution which is a very low chance of
  • 01:05:38
    that happening they're going to start
  • 01:05:40
    bringing this [ __ ] up and if they
  • 01:05:43
    do that's what you're going to do you're
  • 01:05:45
    going to be you're I I'm telling you
  • 01:05:47
    here I am trying to read this stuff um I
  • 01:05:51
    there's certain areas that make sense to
  • 01:05:52
    me and there's certain areas that don't
  • 01:05:54
    you guys think that that I'm a genius
  • 01:05:56
    and you're stupid that's not it at all
  • 01:05:57
    this is very convoluted and confusing on
  • 01:06:00
    purpose to try to confuse you and try to
  • 01:06:02
    get you to go away and the thing is is
  • 01:06:04
    that the difference between a normal
  • 01:06:05
    person and a petarian is that we don't
  • 01:06:08
    go away we don't go away we we ask so
  • 01:06:13
    many questions and we never ever ever
  • 01:06:15
    stop we never stop ever we ask questions
  • 01:06:20
    until you literally hang yourself that's
  • 01:06:23
    what we do that's that's our that's our
  • 01:06:26
    Mo
  • 01:06:28
    okay so I'm telling you right
  • 01:06:31
    now if you're ever in a situation where
  • 01:06:34
    they start to actually actually bring
  • 01:06:35
    stuff up you got to be like
  • 01:06:38
    wow I'm telling you the chances that
  • 01:06:41
    they have any clue of any of the stuff
  • 01:06:42
    that they're bringing up is like zero
  • 01:06:45
    you need to slam into them with like
  • 01:06:48
    480 trillion Newtons of force okay
  • 01:06:55
    I'm telling you right now they don't
  • 01:06:56
    stand a
  • 01:06:58
    chance the terms of a draft are not
  • 01:07:01
    verified by an acceptance to pay a
  • 01:07:03
    particular I don't know I don't know and
  • 01:07:06
    they don't either and they're going to
  • 01:07:08
    pretend like they do they don't you you
  • 01:07:10
    may not know but your level of not know
  • 01:07:15
    I guarantee you is a thousand levels
  • 01:07:19
    higher than what they don't know I'm
  • 01:07:23
    telling you I promise I promise you that
  • 01:07:26
    that I can promise you okay if the
  • 01:07:29
    holder ascends to an
  • 01:07:30
    acceptance varying the terms of a draft
  • 01:07:33
    the obligation of each drawer and
  • 01:07:37
    endorser that does not express I don't
  • 01:07:41
    know is discharged I I don't
  • 01:07:44
    know you know I say I say again we're
  • 01:07:47
    just trying to We're just trying to go
  • 01:07:49
    forward and do our thing and get get the
  • 01:07:51
    basic ideas and then as it goes forward
  • 01:07:54
    let's say let's say let's say it falls
  • 01:07:56
    into 3-41
  • 01:07:58
    410 and they bring it up now if you're
  • 01:08:02
    in a lawsuit and they bring up 3-
  • 01:08:05
    410 now you're in a situation where
  • 01:08:08
    you're going to need to like really
  • 01:08:10
    really Hammer this
  • 01:08:12
    thing but as of right now if I had to
  • 01:08:15
    say oh should you spend time trying to
  • 01:08:17
    understand
  • 01:08:18
    3-41 or should you spend time trying to
  • 01:08:21
    figure
  • 01:08:22
    out uh three dash
  • 01:08:31
    what was the one we were talking about
  • 01:08:32
    earlier where I was like oh it's so
  • 01:08:34
    important you need to learn
  • 01:08:37
    this acceptance of draft verified check
  • 01:08:42
    this is where you should be spending
  • 01:08:43
    your time trying to figure out not
  • 01:08:48
    this
  • 01:08:51
    so again we don't know everything about
  • 01:08:53
    everything but we know enough to know
  • 01:08:56
    where where our focus should be and
  • 01:08:58
    where we should really slam into people
  • 01:09:01
    okay and and I and I'm sorry I don't
  • 01:09:03
    have all the answers for
  • 01:09:05
    you you guys think I'm [ __ ] perfect
  • 01:09:08
    you guys think I know everything under
  • 01:09:10
    the sun moon and stars and I don't
  • 01:09:13
    okay so I'm
  • 01:09:16
    human I I am a man I'm this I'm that you
  • 01:09:20
    guys
  • 01:09:21
    think I you could never understand
  • 01:09:23
    things as well as I can well
  • 01:09:28
    that's just not
  • 01:09:29
    true and that's just an excuse I don't
  • 01:09:33
    know what to tell you I've been looking
  • 01:09:35
    at this [ __ ] for two years Non-Stop and
  • 01:09:38
    I don't
  • 01:09:39
    know I don't know if you take the time
  • 01:09:43
    and you look at every goddamn word and
  • 01:09:45
    you clear up every goddamn word in every
  • 01:09:47
    goddamn dictionary you're going to be
  • 01:09:48
    able to figure this out but do I want to
  • 01:09:49
    do that right now on this particular
  • 01:09:51
    point no do I want to do that on the
  • 01:09:53
    last one
  • 01:09:55
    3- 49 I kind of do but we're not going
  • 01:09:58
    to do that but I kind of do I kind of do
  • 01:10:00
    this is so important I can tell um but
  • 01:10:03
    we're not going to do that if if you
  • 01:10:06
    wanted to do that that's going to be
  • 01:10:08
    good I'll probably do that at some point
  • 01:10:10
    we're going to move on for uh 3- 411
  • 01:10:13
    refusal pay cash years check dollar
  • 01:10:15
    checks uncertified
  • 01:10:21
    checks uh this does not
  • 01:10:23
    look like something something that we're
  • 01:10:25
    going to get into
  • 01:10:31
    um I don't I don't see any point in
  • 01:10:34
    getting into this we're not going to get
  • 01:10:35
    into
  • 01:10:36
    this uh obligation of issuer of note or
  • 01:10:41
    Cashers check the issuer of a note or
  • 01:10:43
    cashier check out a draft draw the
  • 01:10:45
    draw is obligated to pay the instrument
  • 01:10:48
    according to its terms the time is
  • 01:10:50
    issued if not issued at the time it it
  • 01:10:53
    came it first came in into possession of
  • 01:10:56
    a holder or if the issuer signs an
  • 01:10:59
    incomplete instrument according to its
  • 01:11:01
    terms when completed to the extent
  • 01:11:04
    stated in the obligation is owed to a
  • 01:11:07
    person entitled to enforce the
  • 01:11:08
    instrument or to an endorser who pay the
  • 01:11:10
    instrument okay I
  • 01:11:15
    mean if if someone sends you an
  • 01:11:17
    unconditional order to pay you're
  • 01:11:20
    obligated to
  • 01:11:21
    pay under the terms
  • 01:11:28
    that's it really I mean it's not it's
  • 01:11:31
    not that [ __ ] complicated I don't
  • 01:11:32
    know where all this other stuff would
  • 01:11:35
    apply so I can't tell
  • 01:11:37
    you obligation of accept tour maybe
  • 01:11:40
    maybe we're going to get more
  • 01:11:41
    information here of what I was saying
  • 01:11:44
    was so important
  • 01:11:46
    earlier the accepter of a draft is
  • 01:11:48
    obligated to pay the draft one according
  • 01:11:52
    to its terms at the time it was except
  • 01:11:57
    accepted even though the acceptance
  • 01:11:59
    states that the draft is payable as
  • 01:12:02
    originally drawn for or equivalent terms
  • 01:12:05
    two if the acceptance varies the terms
  • 01:12:08
    of the draft according to the terms of
  • 01:12:11
    the draft as varied or three if the
  • 01:12:14
    acceptance is of a draft that is an
  • 01:12:16
    incomplete instrument blah blah I don't
  • 01:12:18
    really care about that the obligation is
  • 01:12:21
    owed to a person entitled to enforce a
  • 01:12:23
    draft or to the drawer or an endorser
  • 01:12:26
    who paid the draft
  • 01:12:28
    okay if the certification of a check or
  • 01:12:31
    other acceptance of a draft States the
  • 01:12:34
    amount certified or accepted the
  • 01:12:37
    obligation of the accepter is that
  • 01:12:42
    amount if one the
  • 01:12:46
    certification or acceptance does not
  • 01:12:48
    State an amount or two the amount of the
  • 01:12:51
    instrument is
  • 01:12:52
    subsequently raised in three the
  • 01:12:56
    instrument is then negotiated to a
  • 01:12:57
    holder in due course the obligation of
  • 01:13:00
    the acceptor is the is the amount of the
  • 01:13:03
    instrument at the time it was taken by
  • 01:13:05
    the holder you know th this this whole
  • 01:13:07
    thing I mean I'm not really like getting
  • 01:13:09
    too into the Weeds on this I'm just kind
  • 01:13:11
    of looking all the time for like is
  • 01:13:13
    acceptance delivery and I'm I'm starting
  • 01:13:16
    to as far as I can tell on this
  • 01:13:18
    acceptance is delivery that's what I'm
  • 01:13:21
    seeing I could be wrong maybe that's
  • 01:13:24
    changed I mean I'm just you
  • 01:13:27
    know let's let's keep
  • 01:13:29
    going obligation of
  • 01:13:32
    draw draw is the person who
  • 01:13:38
    orders
  • 01:13:42
    um this section does not apply to
  • 01:13:44
    Cashers checks or other drafts drawn on
  • 01:13:46
    the drawer that's so funny again like I
  • 01:13:48
    said before look in your state look in
  • 01:13:51
    your state codes type in to to you
  • 01:13:56
    know
  • 01:13:58
    um artificial intelligence type in what
  • 01:14:01
    is the equivalent of three
  • 01:14:03
    d414 for state of Oklahoma or whatever
  • 01:14:10
    just this is all no no one understands
  • 01:14:14
    any of this I mean we are we are so far
  • 01:14:17
    the what look at this look at this
  • 01:14:20
    what is the definition and I know I'm
  • 01:14:23
    going to get all the [ __ ] conspiracy
  • 01:14:25
    theorists going ballistic right now it's
  • 01:14:27
    okay of a
  • 01:14:37
    cult no no no check this out watch
  • 01:14:42
    this this is my favorite emology website
  • 01:14:46
    this is just some like one guy literally
  • 01:14:48
    you can look it up I know I've talked
  • 01:14:50
    about him before but like I you have no
  • 01:14:53
    idea bro like this guy is like the king
  • 01:14:57
    dude like he's literally the [ __ ]
  • 01:15:00
    King and who did this about section look
  • 01:15:04
    at
  • 01:15:05
    this I've been using this [ __ ] every day
  • 01:15:08
    of my
  • 01:15:11
    life he says 10 years ago I I I'm I'm
  • 01:15:14
    pretty sure I've been using this for
  • 01:15:17
    more than 10 years maybe not uh this
  • 01:15:21
    dude
  • 01:15:23
    is the
  • 01:15:26
    king he's the [ __ ] King
  • 01:15:31
    bro um I don't know the guy's name I
  • 01:15:35
    don't know I thought about when I when I
  • 01:15:37
    win my first lawsuit I'm probably going
  • 01:15:38
    to give him like5 million [ __ ]
  • 01:15:41
    dollar
  • 01:15:44
    um we're going to type in a cult and
  • 01:15:49
    you're going to see
  • 01:15:52
    okay secret not
  • 01:15:57
    divulged hidden concealed
  • 01:16:02
    secret cover over
  • 01:16:06
    conceal to hide
  • 01:16:09
    over to cover conceal
  • 01:16:14
    safe not apprehended by the Mind
  • 01:16:18
    beyond the range of understanding
  • 01:16:26
    to keep secret
  • 01:16:30
    conceal if you look at the dates on this
  • 01:16:32
    it's all around the same time period
  • 01:16:34
    1530s and then all the way back to 1500
  • 01:16:37
    which is only the very short period of
  • 01:16:39
    time okay we're going to go
  • 01:16:44
    down so there you
  • 01:16:48
    go
  • 01:16:52
    it's in my opinion the occult is is the
  • 01:16:55
    way of hiding information in plain
  • 01:17:00
    sight they they they publish everything
  • 01:17:03
    here we are 3-
  • 01:17:08
    414 no one knows how any of this works
  • 01:17:12
    or anything at
  • 01:17:14
    all it it is the oul but it's also not
  • 01:17:17
    the occult it's it's literally hiding in
  • 01:17:21
    plain sight that is what we're looking
  • 01:17:23
    at okay
  • 01:17:27
    okay if it was hidden we couldn't even
  • 01:17:29
    find the information but but here we are
  • 01:17:32
    now now now now now think about this you
  • 01:17:34
    say like oh no one can understand this
  • 01:17:36
    okay fine whatever you can go through
  • 01:17:38
    every [ __ ] word of this and clear up
  • 01:17:40
    every [ __ ] word in every [ __ ]
  • 01:17:42
    dictionary or even better when you sue
  • 01:17:44
    them or when you counter claim them and
  • 01:17:46
    you go into Discovery that's the
  • 01:17:49
    conversation you want to have oh 3-44
  • 01:17:53
    okay M interesting
  • 01:17:55
    why don't we talk about the definition
  • 01:17:57
    of every single word or on the state
  • 01:18:00
    side they pull up some State Statute
  • 01:18:03
    we're going to talk about every single
  • 01:18:05
    word of this state statute for the next
  • 01:18:08
    four [ __ ]
  • 01:18:17
    months you call it the occult you call
  • 01:18:20
    it hidden it ain't hidden to me bro I
  • 01:18:24
    know you don't know I know you're a dumb
  • 01:18:26
    [ __ ] I know I'm looking at it I don't
  • 01:18:28
    get it I know you don't [ __ ] get it
  • 01:18:31
    we're talking about
  • 01:18:33
    it we're talking about it for four
  • 01:18:37
    months and if you try to do anything to
  • 01:18:40
    throw me off understanding if un
  • 01:18:45
    unaccepted draft is dis I want to talk
  • 01:18:50
    about is let's talk about
  • 01:18:53
    is for a month a
  • 01:19:11
    month the
  • 01:19:18
    cult I I will chase you I will chase
  • 01:19:22
    down your entire family
  • 01:19:26
    I will find
  • 01:19:28
    you I will sue you over and over and
  • 01:19:32
    over I will sue you from a jail [ __ ]
  • 01:19:39
    cell to find out what definition of is
  • 01:19:44
    are you
  • 01:19:50
    using I will chase you forever
  • 01:20:09
    do you understand
  • 01:20:12
    that your great
  • 01:20:17
    grandchildren will need to deal with me
  • 01:20:19
    chasing them and leaning all of their
  • 01:20:21
    property to find out what is the
  • 01:20:24
    definition that great-grandfather was
  • 01:20:26
    trying to use when he used the word
  • 01:20:29
    is when suing
  • 01:20:45
    me I want you guys to
  • 01:20:48
    understand where I'm at I want you guys
  • 01:20:50
    to understand where this is
  • 01:20:53
    going they use the word
  • 01:20:56
    is they assume the definition of the
  • 01:20:58
    word is or Dishonored or or unaccepted
  • 01:21:01
    or
  • 01:21:04
    draft they need to Define
  • 01:21:13
    it so yes you don't understand all this
  • 01:21:16
    I don't understand all this either and
  • 01:21:18
    I'm trying my best to understand this
  • 01:21:19
    with you guys and I'm trying my best to
  • 01:21:21
    [ __ ] talk about this with you guys
  • 01:21:23
    but it doesn't [ __ ] matter it does
  • 01:21:24
    doesn't [ __ ]
  • 01:21:26
    matter you you you're over here probably
  • 01:21:28
    thinking like [ __ ] oh I'm so nervous
  • 01:21:30
    and this and that and what is this and
  • 01:21:32
    what is that but but it doesn't it
  • 01:21:34
    doesn't [ __ ] matter it doesn't
  • 01:21:36
    [ __ ] matter it doesn't [ __ ] matter
  • 01:21:38
    because you you think you don't get it
  • 01:21:40
    and you think they do they don't get it
  • 01:21:44
    they don't understand they have no
  • 01:21:46
    [ __ ] clue they have no [ __ ] clue
  • 01:21:50
    these people have no [ __ ] clue they
  • 01:21:51
    have bar cards they're gone
  • 01:21:55
    they they're they've been gone for a
  • 01:21:56
    long time they have no idea if they have
  • 01:21:59
    a bar card you can assume they have no
  • 01:22:01
    idea and you'll you'll be right
  • 01:22:07
    99.94% of the
  • 01:22:10
    time excuse me do a bar card yes I do oh
  • 01:22:13
    great
  • 01:22:15
    fantastic this is going to be easy okay
  • 01:22:25
    try to [ __ ] confuse me just try
  • 01:22:29
    please please try to confuse me please
  • 01:22:32
    give me give me 800 pages of paper full
  • 01:22:35
    of
  • 01:22:36
    words because you're going to be
  • 01:22:38
    answering every [ __ ] word
  • 01:22:58
    every single [ __ ]
  • 01:23:07
    word and if I don't understand I'm going
  • 01:23:09
    to stop
  • 01:23:10
    you if it takes 30 [ __ ]
  • 01:23:18
    years that's what we're going to do
  • 01:23:29
    that is what's
  • 01:23:43
    required if an accepted draft is
  • 01:23:46
    Dishonored the drawer is obligated to
  • 01:23:49
    pay the draft one according to its terms
  • 01:23:52
    at the time it was issued or if not
  • 01:23:54
    issued at the time it first came into
  • 01:23:57
    possession of a holder or two if the
  • 01:24:00
    drawer signed an incomplete I don't know
  • 01:24:02
    bro I don't know and I I literally dare
  • 01:24:06
    you I [ __ ] dare you to use this on me
  • 01:24:10
    please
  • 01:24:12
    please I beg of
  • 01:24:14
    you use this on me reference this in one
  • 01:24:17
    of my law suits counter sue me and and
  • 01:24:20
    list this on the [ __ ] lawsuit
  • 01:24:24
    I will hire a private investigator to
  • 01:24:26
    follow you and I will ask you for every
  • 01:24:31
    [ __ ] definition of every word and I
  • 01:24:33
    want the entire history we're going to
  • 01:24:35
    talk about it incessantly and I'm going
  • 01:24:38
    to publish and I'm going to take if I
  • 01:24:41
    find out through my private investigator
  • 01:24:43
    that you are going off and [ __ ]
  • 01:24:46
    children or [ __ ] whatever or doing
  • 01:24:50
    whatever or or cheating on your wife or
  • 01:24:52
    whatever I am going to publish that
  • 01:24:54
    information on every
  • 01:24:57
    single Avenue I could possibly do I
  • 01:25:00
    going to travel around and I going to do
  • 01:25:03
    PR releases on every minor detail of
  • 01:25:07
    your life of which I feel that you are
  • 01:25:10
    incomplete or unstable
  • 01:25:17
    on I going to be your nightmare I am
  • 01:25:20
    going to be what you dream of when you
  • 01:25:22
    sleep I'm going to be what you what you
  • 01:25:24
    think of when when you awaken I'm going
  • 01:25:26
    to be what you think of every time you
  • 01:25:28
    see your wife you're going to think of
  • 01:25:29
    me every time you see your children
  • 01:25:31
    you're going to think of me every single
  • 01:25:33
    time you try to do
  • 01:25:35
    anything and you are going to pretend as
  • 01:25:38
    though it's not me as though I don't
  • 01:25:41
    affect you negatively or whatever and
  • 01:25:44
    the thing is I
  • 01:25:46
    do and I know I do and I sleep well
  • 01:25:49
    because I do
  • 01:25:56
    and I want to be abundantly
  • 01:26:00
    clear about
  • 01:26:22
    that if a DRFT accepted by a bank the
  • 01:26:25
    drawer is discharged regardless of
  • 01:26:28
    whether uh of when or by whom acceptance
  • 01:26:31
    was obtained if a draft is I I don't
  • 01:26:34
    know I don't know I don't think this is
  • 01:26:36
    terribly important if a draft is
  • 01:26:37
    accepted and the and the acceptor is not
  • 01:26:39
    a bank the obligation of the drawer to
  • 01:26:41
    pay the
  • 01:26:43
    draft if the draft is Dishonored I don't
  • 01:26:47
    know if if a draft if a draft states
  • 01:26:51
    that it is drawn without recourse or
  • 01:26:53
    otherwise disclaims like liability of
  • 01:26:54
    the drawer to pay the draft the drawer
  • 01:26:58
    is not liable under subsection B to pay
  • 01:27:00
    the pay the draft if the draft is not a
  • 01:27:02
    check we already know
  • 01:27:04
    that
  • 01:27:06
    if a check is not presented for payment
  • 01:27:09
    or given to a depository
  • 01:27:11
    bank for collection within 30 days blah
  • 01:27:14
    BL blah I don't know I don't
  • 01:27:17
    know obligation of endorser this is
  • 01:27:20
    probably more along the lines of what we
  • 01:27:21
    should be reading let's take a look at
  • 01:27:23
    this one
  • 01:27:25
    um if an instrument is Dishonored an
  • 01:27:27
    endorser is obligated to pay the amount
  • 01:27:30
    due on the
  • 01:27:32
    instrument according to the terms of the
  • 01:27:34
    instrument at the time it was endorsed
  • 01:27:36
    or if the endorser endorsed an
  • 01:27:39
    incomplete
  • 01:27:40
    instrument according to okay okay so so
  • 01:27:43
    them them telling you that we don't
  • 01:27:45
    accept this payment or that's not a
  • 01:27:47
    payment blah blah blah that's not
  • 01:27:48
    endorsing the payment I was just talking
  • 01:27:50
    to my client today about this
  • 01:27:52
    look let's come to me for a minute if if
  • 01:27:58
    I send you a payment if I if I attempt
  • 01:28:03
    to I have the a bunch of really cool old
  • 01:28:07
    um Civil War notes okay so so so so so
  • 01:28:14
    if I attempt to send you a civil war
  • 01:28:16
    note and I Tinder which means to
  • 01:28:19
    unconditionally offer and it gets as far
  • 01:28:22
    as I can tell delivered which we just
  • 01:28:24
    looked at that and it was kind of
  • 01:28:25
    confusing let's say let's say delivery
  • 01:28:27
    is look I'm going to tell you delivery
  • 01:28:30
    is [ __ ] acceptance and then if you
  • 01:28:31
    want to [ __ ] fight it you [ __ ]
  • 01:28:33
    fight it you [ __ ] show me [ __ ] and
  • 01:28:35
    I'm going to hammer every goddamn word
  • 01:28:37
    you [ __ ] send me until the end of
  • 01:28:39
    [ __ ] time okay so as far as I'm
  • 01:28:42
    concerned delivery is acceptance it
  • 01:28:44
    makes the most sense to me okay so I
  • 01:28:46
    deliver this I I unconditionally present
  • 01:28:48
    this to you or unconditionally uh offer
  • 01:28:51
    this to you you accept it which is
  • 01:28:52
    tender so
  • 01:29:01
    um see here and uh if if if you dishonor
  • 01:29:06
    this now now now if you receive this and
  • 01:29:08
    you go like oh no this is Dishonored
  • 01:29:11
    okay now the the way I look at that is
  • 01:29:16
    this in good faith I I I wrote the
  • 01:29:19
    negotiable instrument I sent it you
  • 01:29:20
    signed for it you received it now now
  • 01:29:22
    now I'm inoc sit into proving guilty
  • 01:29:24
    you're the one asserting a
  • 01:29:27
    claim now whoever asserts the claim is
  • 01:29:31
    the one that has to prove the
  • 01:29:35
    claim so like you you say to yourself oh
  • 01:29:38
    they told me that uh you know the
  • 01:29:40
    payment is on okay as far as I'm
  • 01:29:43
    concerned in a court of
  • 01:29:46
    law they need to they need to [ __ ]
  • 01:29:50
    prove that not you
  • 01:29:54
    now I could be wrong on
  • 01:29:56
    that but I'm telling you as far as I'm
  • 01:29:59
    concerned that's the way it actually
  • 01:30:01
    works you've done your duty you've done
  • 01:30:03
    this you've done that you've sent it
  • 01:30:05
    it's been some time and now all a sudden
  • 01:30:07
    out of the blue oh no this is this is
  • 01:30:08
    horeshit oh wow so you're saying it's
  • 01:30:11
    Dishonored what evidence that you have
  • 01:30:14
    or what evidence are you pointing
  • 01:30:16
    towards that makes this particular
  • 01:30:18
    negotiable instrument Dishonored make
  • 01:30:21
    them prove it
  • 01:30:25
    that's what I would
  • 01:30:26
    do I haven't gotten to that point
  • 01:30:29
    because no one will [ __ ] talk to me
  • 01:30:30
    about anything or or My complaints or
  • 01:30:32
    anything as far as I'm concerned because
  • 01:30:33
    they're
  • 01:30:34
    terrified but or stupid stupid and
  • 01:30:38
    terrified you guys think you're all
  • 01:30:40
    [ __ ] stupid and terrified they're 10
  • 01:30:42
    times worse bro I'm telling you they're
  • 01:30:44
    10 times worse look at all my [ __ ]
  • 01:30:46
    cases and you will see proof that they
  • 01:30:48
    are 10 times worse they will not talk
  • 01:30:52
    about any of this information cuz they
  • 01:30:55
    are
  • 01:30:56
    terrified of this
  • 01:31:01
    information they are weak pathetic
  • 01:31:05
    [ __ ]
  • 01:31:09
    Souls they have they have no clue what
  • 01:31:12
    abundance could possibly feel like and
  • 01:31:15
    they live their life in a
  • 01:31:18
    desperate horrific
  • 01:31:27
    shell of what it's supposed to be like
  • 01:31:29
    to live on this
  • 01:31:31
    planet if they want talk to you and they
  • 01:31:33
    don't know they're
  • 01:31:36
    [ __ ] and they're getting paid their
  • 01:31:38
    10,000 or $20,000 to [ __ ] do whatever
  • 01:31:41
    and blah blah blah they're selling their
  • 01:31:43
    soul for
  • 01:31:50
    $10,000 imagine being a person who has
  • 01:31:53
    has a personal reality of their own
  • 01:31:57
    soul and it's only
  • 01:32:02
    $10,000 just imagine just
  • 01:32:05
    imagine just imagine feeling that your
  • 01:32:07
    soul is only worth
  • 01:32:10
    10,000 Federal Reserve notes just
  • 01:32:15
    imagine just
  • 01:32:18
    imagine with all the inflation and
  • 01:32:20
    everything happening 10,000
  • 01:32:23
    Federal Reserve
  • 01:32:28
    notes you can barely even buy a running
  • 01:32:31
    vehicle for
  • 01:32:33
    10,000 Federal Reserve
  • 01:32:37
    notes these people have
  • 01:32:42
    zero
  • 01:32:45
    self-esteem they have zero
  • 01:32:52
    self-respect imagine
  • 01:32:57
    imagine selling your soul for 20 30 40
  • 01:33:02
    50
  • 01:33:04
    60,000 Federal Reserve notes promisory
  • 01:33:09
    notes negoti imagine
  • 01:33:13
    imagine imagine the amount of
  • 01:33:15
    self-loathing you must experience on a
  • 01:33:17
    day-to-day basis
  • 01:33:20
    imagine the amount of
  • 01:33:24
    imagine the the the the the level of
  • 01:33:27
    enjoyment of day-to-day life the IM
  • 01:33:31
    imagine imagine the inability to enjoy
  • 01:33:34
    the
  • 01:33:35
    laughter in a
  • 01:33:37
    playground it's tough to be in a
  • 01:33:39
    playground full of children or or
  • 01:33:41
    animals maybe a dog park and not
  • 01:33:43
    experience some level
  • 01:33:45
    of
  • 01:33:49
    enjoyment these people who sell their
  • 01:33:51
    soul for 20 or 30 or 40 they can't can't
  • 01:33:55
    even connect with that the the the the
  • 01:33:58
    the idea of a dog park or a bunch of
  • 01:34:00
    kids playing in the they can't even the
  • 01:34:02
    the happiness is
  • 01:34:07
    unattainable so so you you're you're
  • 01:34:09
    over here saying like oh F these people
  • 01:34:11
    and this and that it's it you don't need
  • 01:34:12
    to there's no Revenge needed there's no
  • 01:34:14
    Revenge needed what do you need revenge
  • 01:34:17
    on what is there the fact that they
  • 01:34:19
    [ __ ] breathe is
  • 01:34:22
    Revenge what what is there to what what
  • 01:34:25
    what Vengeance do you need they don't
  • 01:34:27
    enjoy anything they don't understand
  • 01:34:29
    anything they walk through life they you
  • 01:34:31
    know you say oh NPC and people need to
  • 01:34:32
    wake up these are the people who are
  • 01:34:35
    real
  • 01:34:38
    NPCs NPC is an overused trit
  • 01:34:51
    term when someone is
  • 01:34:54
    unable to enjoy the smell of
  • 01:34:58
    flowers the smell of their car the smile
  • 01:35:02
    of their
  • 01:35:04
    wife the look of their
  • 01:35:10
    children what Revenge do you need
  • 01:35:15
    why like like what like what what
  • 01:35:24
    I I I just
  • 01:35:25
    don't wh what do you I mean I'm almost
  • 01:35:28
    in tears just talking about this what
  • 01:35:30
    what what what what what are you going
  • 01:35:32
    to do like what
  • 01:35:34
    are like their their life is [ __ ] their
  • 01:35:37
    life is
  • 01:35:40
    [ __ ] there's nothing you're going to do
  • 01:35:42
    they're not even going to understand
  • 01:35:43
    anything you would
  • 01:35:45
    do there there there's
  • 01:35:50
    no what's the why
  • 01:35:54
    why are you even even if you even if you
  • 01:35:57
    beat them half to death physically with
  • 01:35:59
    a baseball bat they're going to be
  • 01:36:01
    laying there they're not going to
  • 01:36:02
    understand why or how or there there
  • 01:36:05
    there's there's going to be no
  • 01:36:06
    connection they have no ability to
  • 01:36:07
    connect the
  • 01:36:09
    dots it's like beating a dog half to
  • 01:36:13
    death the afterward the dog's just going
  • 01:36:15
    to be angry and start biting people and
  • 01:36:17
    not know why and just be untrusting of
  • 01:36:20
    humanity there there's no connection
  • 01:36:22
    there's no [ __ ] connection
  • 01:36:27
    you you you think you think that these
  • 01:36:28
    people have this this this facility of
  • 01:36:31
    intelligence and they can connect
  • 01:36:32
    everything together and they have so
  • 01:36:34
    much emotional uhh uh uh depth and and
  • 01:36:37
    they don't they don't they don't they
  • 01:36:42
    have no emotional depth they have no
  • 01:36:44
    ability to connect the dots and that's
  • 01:36:46
    why they do the [ __ ] they do that's why
  • 01:36:48
    that's why they do
  • 01:36:52
    it the they don't know they can't they
  • 01:36:55
    can't piece anything together they're
  • 01:36:57
    they're they're selfish they're alone
  • 01:37:00
    they're
  • 01:37:01
    terrified you you you are attempting to
  • 01:37:04
    interact with a person who has
  • 01:37:09
    no depth to their
  • 01:37:20
    existence you're
  • 01:37:22
    wasting your your
  • 01:37:26
    time it is a
  • 01:37:29
    [ __ ] waste
  • 01:37:59
    you're wasting your time with your
  • 01:38:00
    family you're wasting your time with
  • 01:38:01
    these people and you're wasting your
  • 01:38:02
    time with your friends quote
  • 01:38:05
    unquote you're wasting your time
  • 01:38:25
    3- 415 obligation of
  • 01:38:30
    endorser if an instrument is Dishonored
  • 01:38:32
    an endorser is obligated to pay the
  • 01:38:34
    amount due on the instrument one
  • 01:38:36
    according to the terms of the instrument
  • 01:38:38
    at the time it was endorsed two if the
  • 01:38:40
    endorser endorsed an incomplete
  • 01:38:43
    instrument okay so okay so if it's
  • 01:38:46
    Dishonored you have to pay for it but
  • 01:38:48
    they have to prove it's Dishonored
  • 01:38:50
    that's the thing they're going to need
  • 01:38:51
    to [ __ ] really work
  • 01:38:54
    you're going to make them work as
  • 01:38:55
    [ __ ] hard as [ __ ] to get them to to
  • 01:38:57
    to prove that it's [ __ ] you know if
  • 01:39:00
    an endorsement states that it is made
  • 01:39:02
    without recourse or otherwise just
  • 01:39:03
    claims liability of the endorser the the
  • 01:39:05
    the endorser is not liable so if you if
  • 01:39:07
    you if you if you claim without recourse
  • 01:39:08
    as we've been talking you will never
  • 01:39:11
    need to defend your position this none
  • 01:39:12
    of this is an issue you're all good you
  • 01:39:14
    can go off with your [ __ ] free house
  • 01:39:16
    and your free car and you're free this
  • 01:39:18
    you're free that and live your life live
  • 01:39:19
    the best goddamn life anyone's ever
  • 01:39:21
    [ __ ] seen in their entire existence
  • 01:39:26
    okay if a notice of Dishonor of an
  • 01:39:28
    instrument is required by blank and
  • 01:39:31
    notice of Dishonor complying with that
  • 01:39:33
    section is not given to an endorser the
  • 01:39:35
    liability of that endorser is discharged
  • 01:39:37
    so if they don't tell you through a
  • 01:39:38
    notice then then you're good
  • 01:39:42
    basically if a draft is accepted by a
  • 01:39:44
    bank after an endorsement is made the
  • 01:39:45
    liability of the endorser under blank is
  • 01:39:49
    discharged if an endorser of a check is
  • 01:39:52
    liable under subsection a and the check
  • 01:39:54
    is not presented for payment or given to
  • 01:39:56
    depositary
  • 01:39:59
    bank
  • 01:40:01
    okay
  • 01:40:03
    whatever transfer
  • 01:40:06
    warranties God uh a person who
  • 01:40:10
    transfers an instrument for
  • 01:40:12
    consideration warrants to the transferee
  • 01:40:15
    and the transfer is by endorsement to
  • 01:40:18
    any subsequent transfer that the warrant
  • 01:40:21
    tour is a person in title to enfor
  • 01:40:23
    course the instrument all signatures on
  • 01:40:24
    the on the instrument are so this is a
  • 01:40:26
    lot of like so they're sort of building
  • 01:40:28
    this up right they're they're saying
  • 01:40:29
    this that and there a certified check uh
  • 01:40:32
    a signature or or false signature so so
  • 01:40:35
    now now they' they're like okay we've
  • 01:40:37
    talked about all this stuff and all
  • 01:40:39
    these various things and now we're
  • 01:40:42
    getting into like a larger view of the
  • 01:40:45
    overall situation showing that you know
  • 01:40:47
    this thing gets transferred if and then
  • 01:40:49
    now they're going through and they're
  • 01:40:50
    sort of like summarizing everything has
  • 01:40:53
    hasn't been altered it's authentic it's
  • 01:40:56
    not subject to claim or recruitment
  • 01:40:58
    against the warrant tour and like blah
  • 01:41:00
    blah and like I don't
  • 01:41:04
    know warrants to the transfer e like
  • 01:41:08
    gives gives gives permission to or gives
  • 01:41:12
    it's it's it's yeah the warrantor is the
  • 01:41:15
    person entitled to enfor yeah makes
  • 01:41:17
    sense so they're they're just giving
  • 01:41:19
    they're using a new term now to try to
  • 01:41:21
    be more complicated just to say
  • 01:41:23
    the ability to control or or or order or
  • 01:41:27
    whatever which just means the person
  • 01:41:29
    entitled to enforce or the holder it's
  • 01:41:31
    it's still person entitled to enforce or
  • 01:41:34
    holder is still going to be the main
  • 01:41:37
    aspects don't let them throw you off
  • 01:41:40
    don't let them throw you off the [ __ ]
  • 01:41:42
    the [ __ ]
  • 01:41:43
    path and and holder versus person intal
  • 01:41:47
    to enforce is also very similar so don't
  • 01:41:49
    think that oh God there's two turn no no
  • 01:41:51
    it's actually very simple this just
  • 01:41:52
    pretty much just one idea here to to a
  • 01:41:55
    most degree it's not entirely but at
  • 01:41:57
    this point you understand what I'm
  • 01:41:58
    talking about on part
  • 01:42:00
    four the instrument has not been altered
  • 01:42:04
    the instrument is not blah blah the this
  • 01:42:06
    and that and the [ __ ] you know
  • 01:42:08
    they're made and who took the instrument
  • 01:42:10
    in good faith May recover from the
  • 01:42:11
    warrant tour and damages blah blah yeah
  • 01:42:13
    so it's it's it's we're looking at a lot
  • 01:42:16
    of the same thing we've already seen
  • 01:42:17
    just just said in a different way that
  • 01:42:19
    one's more of like an overall summary of
  • 01:42:21
    a lot of things we've been learning so
  • 01:42:22
    far
  • 01:42:24
    if an unaccepted draft is presented to
  • 01:42:26
    the draw e for payment or acceptance and
  • 01:42:28
    the draw e pays or accepts the draft the
  • 01:42:31
    person obtaining payment or acceptance
  • 01:42:33
    at the time of
  • 01:42:35
    presentment and a previous transer
  • 01:42:40
    transfer of the draft the time of
  • 01:42:42
    transfer warrant to the draw e making
  • 01:42:45
    payment or accepting the
  • 01:42:47
    draft presentment warranties the warrant
  • 01:42:51
    is or was the time warranty trans for
  • 01:42:53
    draft dra
  • 01:42:55
    authorized to obtain payment
  • 01:42:59
    BL so it's it's again we're looking at a
  • 01:43:02
    lot of the same stuff uh an overall
  • 01:43:04
    summary of various things that can go
  • 01:43:05
    wrong for
  • 01:43:08
    transferring
  • 01:43:20
    um what is a warrantor in
  • 01:43:25
    Financial
  • 01:43:35
    transactions it's giv me guarantor um is
  • 01:43:40
    guarantor the same thing
  • 01:43:42
    as warrantor
  • 01:43:47
    maybe possibly is a person or entity
  • 01:43:49
    that assumes a financial obligation of
  • 01:43:51
    another party so it's the person who has
  • 01:43:53
    financial
  • 01:43:55
    responsibility um could that be the
  • 01:43:56
    definition of
  • 01:43:58
    warrantor
  • 01:44:04
    um it very well could be Let's uh let's
  • 01:44:06
    let's ask
  • 01:44:08
    AI real quick
  • 01:44:10
    [Music]
  • 01:44:15
    um what is a
  • 01:44:20
    war war
  • 01:44:25
    in
  • 01:44:27
    tour when it comes
  • 01:44:30
    [Music]
  • 01:44:33
    to
  • 01:44:36
    negotiable instruments question
  • 01:44:50
    mark a warrantor in the context text of
  • 01:44:53
    negotiable instruments refers to an
  • 01:44:55
    individual who makes certain implied
  • 01:44:58
    warranties when transferring an
  • 01:45:00
    instrument for consideration one that
  • 01:45:04
    they are entitled to enforce the
  • 01:45:05
    instrument two that the signatures of
  • 01:45:07
    the instrument are authentic and
  • 01:45:08
    authorized three that the instrument has
  • 01:45:09
    not been altered four that the
  • 01:45:11
    instrument is not subject to defense or
  • 01:45:13
    claim five that they have no knowledge
  • 01:45:16
    of any insolvency proceedings okay if
  • 01:45:20
    that's true then the warrantor
  • 01:45:24
    is someone who basically just just
  • 01:45:27
    basically swears under penalty of
  • 01:45:29
    perjury or swears to the fact that these
  • 01:45:32
    various aspects that would make a an
  • 01:45:35
    instrument non-negotiable are untrue and
  • 01:45:39
    that the various aspects that make
  • 01:45:42
    it negotiable would be
  • 01:45:47
    true legal what is the legal
  • 01:45:51
    definition of
  • 01:45:55
    warranties when it comes to
  • 01:46:01
    financial
  • 01:46:12
    transactions the legal definition of
  • 01:46:14
    warranties when it comes to financial
  • 01:46:16
    transactions is a promise or guarantee
  • 01:46:18
    made by a seller about the
  • 01:46:21
    characteristics or qu quality of
  • 01:46:23
    property goods or services warranties
  • 01:46:25
    and financial transactions are
  • 01:46:27
    statements made by one party that the
  • 01:46:29
    other party relies on when entering the
  • 01:46:32
    contract and a breach of warranty gives
  • 01:46:34
    the injured party claim for de okay so
  • 01:46:37
    it's a promise that that if the promise
  • 01:46:39
    is broken or untrue they can sue on okay
  • 01:46:41
    that makes sense it's like an insurance
  • 01:46:43
    it's like a verbal insurance policy okay
  • 01:46:46
    okay okay okay okay
  • 01:46:47
    okay
  • 01:46:49
    um breach of warranty equal to yeah yeah
  • 01:46:52
    that makes sense okay okay so if I
  • 01:46:53
    promise you that blah blah then that bad
  • 01:46:55
    things can happen blah blah that makes
  • 01:46:57
    sense whoa what's happening here that
  • 01:47:00
    makes sense okay I I I I'm tracking I'm
  • 01:47:03
    tracking
  • 01:47:11
    um warranty warrantor States blah blah
  • 01:47:15
    you're promising things blah so don't
  • 01:47:17
    promise [ __ ] you can't deliver don't
  • 01:47:19
    promise [ __ ] that's not true and if you
  • 01:47:20
    do bad things are going to happen that's
  • 01:47:23
    basically what I'm seeing here we're
  • 01:47:25
    going to skip on because we don't have a
  • 01:47:27
    whole lot more we're going to get all
  • 01:47:28
    this done in one video which is beyond
  • 01:47:29
    what I thought payment or acceptance by
  • 01:47:32
    mistake
  • 01:47:44
    um I'm running out of steam here guys I
  • 01:47:46
    apologize um
  • 01:48:01
    if someone receives a a thing and it's
  • 01:48:04
    not it's by mistake then the person if
  • 01:48:07
    they receive it in good
  • 01:48:13
    faith can maybe negotiate the instrument
  • 01:48:20
    possibly I don't know
  • 01:48:23
    something something you guys can look at
  • 01:48:25
    this I'm running out of steam here guys
  • 01:48:27
    I
  • 01:48:45
    apologize so this is interesting if if
  • 01:48:48
    if if an instrument is issued for value
  • 01:48:50
    given the benefit of a party to the
  • 01:48:52
    instrument AC that's the accommodated
  • 01:48:54
    party and another party to the
  • 01:48:55
    instrument accommodation party signs the
  • 01:48:57
    instrument for the purpose of incurring
  • 01:48:59
    liability this is what they're always
  • 01:49:01
    trying to do with you this is the all
  • 01:49:03
    caps versus the upper and lower kids
  • 01:49:04
    name the all caps is the
  • 01:49:07
    accommodation accommodated party and
  • 01:49:11
    then you is the natural person I guess
  • 01:49:14
    you could say is the accommodation party
  • 01:49:17
    you're the one incurring liability of
  • 01:49:19
    the instrument without being a direct
  • 01:49:21
    beneficiary of the value you given this
  • 01:49:24
    is actually very
  • 01:49:26
    important um this is what they're doing
  • 01:49:29
    an accommodation party May sign the
  • 01:49:30
    instrument as maker drawer acceptor or
  • 01:49:32
    endorser and so they're talking about
  • 01:49:35
    the all caps name oh no no the the the
  • 01:49:38
    upper and lower case that the natural
  • 01:49:40
    person may sign the in the thing as all
  • 01:49:44
    these different things and subject to
  • 01:49:45
    blah is obligated to pay the instrument
  • 01:49:48
    so you're the one signing it you're the
  • 01:49:50
    one who's responsible for it okay
  • 01:49:54
    um a person signing an instrument is
  • 01:49:56
    presumed to be in a combination party
  • 01:49:59
    and there is notice that the instrument
  • 01:50:02
    is signed for accommodation if the
  • 01:50:03
    signature is a oh God or is a company
  • 01:50:07
    we're not going to get into that or is
  • 01:50:09
    accompanied by words indicating the
  • 01:50:11
    signer is acting as shorty or guarantor
  • 01:50:14
    so you've heard a lot of this you know
  • 01:50:16
    like you're signing on assurity on
  • 01:50:19
    behalf of the ELC Cap's name blah blah
  • 01:50:20
    blah well this is this is the evidence
  • 01:50:23
    that that is what's occurring and if
  • 01:50:25
    anybody asks in a court of law this is
  • 01:50:28
    what you're going to show them
  • 01:50:33
    right and we're going to talk about this
  • 01:50:35
    for [ __ ] nine years in a court of law
  • 01:50:38
    you know the beauty of being prosay is
  • 01:50:40
    that you don't need to pay by hour for a
  • 01:50:43
    [ __ ] bar
  • 01:50:45
    card you're in there to win it it could
  • 01:50:47
    be 9,000 hours you're going to you're
  • 01:50:49
    going to you're going to [ __ ] it
  • 01:50:50
    could be goddamn [ __ ] Bill Bill
  • 01:50:53
    Clinton and you're going to be in there
  • 01:50:55
    sucking him dry through his [ __ ] bar
  • 01:50:57
    card his bar card is going to be the
  • 01:50:59
    happiest guy in the world sucking him
  • 01:51:00
    dry G be making [ __ ] uh I heard down
  • 01:51:03
    the Grapevine I think it was from Joey
  • 01:51:05
    Kimbro I heard down the Grapevine that
  • 01:51:07
    [ __ ] Donald Trump in this whole New
  • 01:51:10
    York case and everything else you spent
  • 01:51:13
    $50 million on on on bar cards and and
  • 01:51:17
    legal
  • 01:51:21
    fees you know I'm going to spend on bar
  • 01:51:23
    cars and legal fees if you sue me $0
  • 01:51:30
    and0 I mean the only real expense I'm
  • 01:51:32
    going to have is is is is is blowing
  • 01:51:34
    your [ __ ] up and creating PR releases on
  • 01:51:37
    everything I'll [ __ ]
  • 01:51:39
    pay God knows how many magazines and
  • 01:51:43
    whatever and I'll I'll blow this [ __ ] up
  • 01:51:46
    to the point where everyone in their
  • 01:51:48
    mothers is talking about
  • 01:51:50
    it I'll pay a PR firm or whatever I I
  • 01:51:53
    don't care I got tons of cash and
  • 01:51:56
    knowwhere to put it and nothing to
  • 01:51:59
    lose I'm just waiting for someone to sue
  • 01:52:01
    me God I can't [ __ ] wait Jesus
  • 01:52:10
    [ __ ]
  • 01:52:14
    um the
  • 01:52:16
    signature of a party of a [ __ ] blank
  • 01:52:20
    blank um
  • 01:52:36
    I don't
  • 01:52:38
    know I'm starting to lose a lot of steam
  • 01:52:40
    here guys I apologize I'm I'm really
  • 01:52:42
    kind of getting getting tapped I think
  • 01:52:45
    I'm
  • 01:52:46
    gonna oh we got one more yeah I think
  • 01:52:48
    I'm gonna uh bow out on this one I'm I'm
  • 01:52:51
    bowing out I'm done conversion of
  • 01:52:54
    instrument um
  • 01:53:30
    [Music]
  • 01:53:34
    uh conversion of instrument um 420 it's
  • 01:53:37
    good for you guys 420 uh the law
  • 01:53:40
    applicable to conversion of personal
  • 01:53:44
    property applies to
  • 01:53:45
    instruments this feels kind of important
  • 01:53:48
    um even though I don't really know what
  • 01:53:50
    it says um there's a part of me that's
  • 01:53:52
    kind of like like oh you should focus on
  • 01:53:53
    this one uh the negotiation from a
  • 01:53:57
    person or Bank makes or obtains payment
  • 01:54:01
    with respect to the instrument for the
  • 01:54:06
    purpos action for conversion may not be
  • 01:54:24
    maybe
  • 01:54:25
    not anyways yeah I'm out of steam
  • 01:54:29
    guys I am I am out of
  • 01:54:32
    gas I am out of gas
  • 01:54:35
    so okay it's dark here the sun's down um
  • 01:54:40
    I'm
  • 01:54:41
    done I'll see you guys on part
  • 01:54:44
    five later
Tags
  • UCC video
  • legal strategy
  • Covid loans
  • signature roles
  • legal definitions
  • endorsement technology
  • fictitious payees
  • imposters
  • banking law
  • financial transactions