The appellant bank was engaged in the business of financing insurance premiums and had made numerous loans to the customers of an insurance agent named Hyer. Hyer would send to the appellant a note purportedly signed by the insured and payable to the order of the appellant along with the policy being financed. The appellant would notify the insurer of its interest so that in the event of cancellation any unused premium would be returned to it and it would send to the insured...
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