Gary Culver, a farmer in Missouri, was having financial problems. He agreed to let Nasib Ed Kalliel assume control of the farm’s finances.

After a few months, Culver urgently asked Kalliel for money. One week later, $30,000 was wire-transferred to Culver from the Rexford State Bank. Culver thought that Kalliel would be responsible for repaying this sum. A man who worked for Kalliel stopped Culver on the street and asked him to sign a receipt for the $30,000.

Culver signed without intending to commit himself to repaying the money. In fact, the document Culver signed was a blank promissory note, payable to Rexford. Someone later filled in the blanks, putting in $50,000 instead of $30,000.

Kalliel had received $50,000 before transferring

$30,000 to Culver. Is Culver liable on the note?