Two Name Paper
A two name paper is a nickname assigned to a legal agreement for the purposes of a trade paper acceptance. Both trade acceptances and banker's acceptances can be called a two name paper. In order to bear this name, these instruments must carry two signatures, one for the drawer of the paper and one for the endorser of the paper, typically an accepter and a banker. Because two signatures are required, a two name paper is also sometimes referred to as a double-name paper.
When a trade acceptance occurs with a draft that has both the issuer and the receiver’s signatures on it, it is considered a two name paper. Two name papers for trade acceptances are different than typical loaning agreements because they are generally drawn up on behalf of the seller, not the receiver. The two name paper stipulates that the seller will be paid back. If a note is drawn up by the buyer, it is typically called a promissory note, when the buyer is taking out a loan and promising to give it back.
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