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Instrument

Source: Encyclopedia of Banking & Finance (9h Edition) by Charles J Woelfel
(We recommend this as work of authority and you can order it here)

Any kind of document in writing by which some right is conferred or contract is expressed.  Practically all documents used in finance, e.g., check, draft, note, bond, coupon, stock certificate, bill of lading, trust deed, trust receipt, etc., are instruments.

See NEGOTIABLE INSTRUMENTS

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