Promissory notes (4), and the like; and 3) secured

документи;

transactions (5) (sales of goods on credit, or loans (6) 4. прості векселі; звичайні

secured by an agreement roughly similar to a mort-

чеки;

gage (7) [but on personal property, not real estate (8)]). 5. забезпечені ділові

However, many commercial transactions are the subject

операції;

of separate statutes: 1) retail installment sales (9); 2) 6. позики;

charge accounts (10); 3) home solicitation sales (11); 7. іпотечна застава;

4) small loans; and 5) interest (12).

8. нерухомість;

Commercial Paper. The most common forms of 9. роздрібний продаж: на

commercial paper are checks and promissory notes,

виплат (у розстрочку);

drafts (13), bills of exchange (14), and certificates of 10. кредитні рахунки;

deposit (15).

Negotiability. Commercial paper is negotiable (16)

11. купівля-продаж у

помешканні покупця;

if it is in writing and meets four criteria: 1) it is signed by 12. відсотки прибутку;

the person making it (the maker (17)) or by the person 13. прості векселі;

on whose account it is drawn (18) (the drawer (19)); 2) 14. переказні векселі

it contains an unconditional promise (20) or order to

(тратти);

pay a specified sum of money; 3) it is payable either on 15. депозитні сертифікати;

demand (21), or at a definite time; and 4) it is payable 16. обіговий;

either to the order of a particular person, or to the bearer 17. векселедавець;

(22). When properly executed (23), commercial paper 18. виписаний;

is a negotiable instrument (24).

19. векселетримач;

How Commercial Paper is Negotiated. Commercial 20. безумовне зобов’язання;

paper is transferred (25) or negotiated by indorsement 21. за вимогою;

(26). An indorsement may be unconditional, or it may 22. пред’явник;

place some limit on how the instrument can be negoti- 23. належно оформлений;

ated in the future. For example, a check is uncondition- 24. обіговий документ;

ally indorsed (27) by signing it on the back. If the check 25. переданий;

is indorsed, “For deposit to the account of _______ ”, it 26. індосамент;

can only be negotiated by depositing it in the named ac- 27. уводитися в обіг.

count. If it is indorsed, “Pay to the order of _______ ”,

only that person named can negotiate it further.

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