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… made by a holder of an item on the back of the Item when transferring (negotiating) it to another person. …

… A PAD drawn on the account of a payor to transfer, consolidate or reposition funds between their … the same Business or closely-affiliated businesses (e.g. transfers between a parent company and its subsidiary). …

… conventions, and technologies that facilitate the transfer of monetary value. …

… Electronic Funds Transfers includes CPA AFT (debits and credits), electronic …