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📜 **UCC Article 3: Accept for Deposit – Not for Value, But for Settlement** 💳 Under **UCC § 3-409** and **§ 3-603**, when you receive a **statement, bill, or notice demanding payment**, you can **lawfully endorse it** as a negotiable instrument and present it back to the source for **settlement or discharge** — using your authority as the principal. ✍️ On the face of the instrument, write: > ✅ *"Accepted for Deposit. For settlement and closure to the account of the principal, [Your Full Name].