In this situation, when Helen Harrison creates an instrument
containing the words “pay jose sanchez” and her signature on it, she is
creating an endorsement. An endorsement is defined to mean
"a signature (other than that of a maker, drawer or acceptor) that alone
or accompanied by other words, is made on an instrument for purpose of (i)
negotiating the instrument, (ii) restricting payment of the instrument, or
(iii) incurring endorser's liability on the instrument. This type of
endorsement is a Special endorsement in which it contains the signature of the
endorser along with words indicating to whom, or to whose order, the instrument
is payable.
