Howard Turner borrowed $85,000 from Fidelity Mortgage (Fidelity) and executed a mortgage to secure the loan. Turner died six months later, and the note went into default. HSBC Bank USA, N.A. (HSBC) sued Jamie Thompson, the daughter and administratrix of Turner's estate. HSBC produced copies of the note and mortgage and two separate, loose documents each titled "allonge." The first stated, "Pay to the order and was signed on behalf of Delta Funding Corp. The second stated, "Pay to the order of Delta Funding Corp.and was signed on behalf of Fidelity

1. Argue in favor of HSBC Bank USA

2. Argue in favor of Jamie Thompson .

3. Were the alleged allonges adequate to negotiate the note to Delta? Explain Be sure to apply the law in all arguments.