a person's signature on the instrument; a contractual liability
warranties that are implied when the person presents the instrument for negotiation
Holder in Due Course
The UCC broadly defines a signature as any name, word, mark, or symbol executed or adopted by a person with the present intention to authenticate a writing; can be made by any device or machine
No person will be held contractually liable for an instrument that he or she has not signed personally or through an authorized representative
A person who is primarily liable on a negotiable instrument is absolutely required to pay the instrument--unless, of course, he or she has a valid defense to the payment. Liability is immediate when the instrument is signed or issued.