Sunan issued a bill of exchange ordering Nuch, the drawee to pay 50,000 baht for Winai, the payee. In the B/E, Sunan crossed out the word ‘or bearer’. After Winai received the B/E, he made an endorsement to a specific payee, Mary, and deliver to her. Two days after receiving the B/E, Mary signed her name on the back of the B/E and delivered to John. Then John, who could not read and write, took his own fingerprint on the back of the B/E and delivered the B/E to Rose.