OPINION
REEVES, Chief Justice.
In this opinion we consider the validity of an alleged gift of personal property that is encumbered by a lien. Russell Fred Kuenstler purchased a Toyota, financing part of the purchase price with Alamo Toyota, Inc., which ultimately assigned the motor vehicle retail installment security agreement to NCNB Texas National Bank ("National"). Kuenstler executed the following:
... I Russell Kuenstler ... for and in consideration...
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