18 Ignacio has an instrument, such as a bond, which was made "Payable to bearer" She loses the instrument, but it is found by Jesus. Jesus may 17 A written order by one person directing the person's bank to pay a certain sum Of money to another person is a An indorsement on a check that states, "Pay to the order Of Josefina Cruz", then a. b. d. promissory note. certificate of deposit. draft. check. a. b. d. collect payment on the instrument. not collect payment because he gave no value for it. not collect payment on the instrument because he only found it. none of these. 19 20. The drawee Of a check is always the a. b. C. d. the person who will receive the money. the holder Of the check. a bank. a depositor. signed by Miguel Suarez is a(n) a. b. d. special indorsement. blank indorsement. accommodation indorsement. qualified indorsement.