Part IV. Liability of Parties. § 28:3–401. Signature necessary for liability on instrument. § 28:3–402. Signature by representative. § 28:3–403. Unauthorized signature. § 28:3–404. Impostors; fictitious payees. § 28:3–405. Employer’s responsibility for fraudulent indorsement by employee. § 28:3–406. Negligence contributing to forged signature or alteration of instrument. § 28:3–407. Alteration. § 28:3–408. Drawee not liable on unaccepted draft. § 28:3–409. Acceptance of draft; certified check. § 28:3–410. Acceptance varying draft. § 28:3–411. Refusal to pay cashier’s checks, teller’s checks, and certified checks. § 28:3–412. Obligation of issuer of note or cashier’s check. § 28:3–413. Obligation of acceptor. § 28:3–414. Obligation of drawer. § 28:3–415. Obligation of indorser. § 28:3–416. Transfer warranties. § 28:3–417. Presentment warranties. § 28:3–418. Payment or acceptance by mistake. § 28:3–419. Instruments signed for accommodation. § 28:3–420. Conversion of instrument.