2006 New York Code - Instruments Not Payable To Order Or To Bearer

  Section 3--805. Instruments Not Payable to Order or to Bearer.
    This  Article  applies  to  any instrument whose terms do not preclude
  transfer and which is otherwise negotiable within this Article but which
  is not payable to order or to bearer, except that there can be no holder
  in due course of such an instrument.

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