Fla. Stat. § 673.4121 : COMMERCIAL RELATIONS — UNIFORM COMMERCIAL CODE: NEGOTIABLE INSTRUMENTS — LIABILITY OF PARTIES — Obligation of issuer of note or cashier's check TEXT PDF The issuer of a note or cashier's check or other draft drawn on the drawer is obliged to pay the instrument: (1) According to its terms at the time it was issued or, if not issued, at the time it first came into possession of a holder; or (2) If the issuer signed an incomplete instrument, according to its terms when completed, to the extent stated in ss. 673.1151 and 673.4071. The obligation is owed to a person entitled to enforce the instrument or to an indorser who paid the instrument under s. 673.4151. Fla. Stat. § 673.4121 s. 2, ch. 92-82.