Pursuant to a "joint check and payment agreement" entered into by defendant IBM Endicott/Owego Employees Federal Credit Union (hereinafter IBM-CU), plaintiff and Prodec Roofing & Insulation Systems, IBM-CU issued its own check in the amount of $36,629.80 payable to plaintiff and Prodec, as joint payees, for roofing work. Prodec endorsed the check and presented it to defendant Binghamton Savings...
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