After Balkus died intestate, included among Balkus’s possessions were bank deposit slips for a savings account owned by him. On each deposit slip was a handwritten notation, “Payable to Ann Balkus Vesley [Balkus’s sister] on P.O.D. the full amount and other deposits.” Each slip was dated and signed by Balkus. His sister claimed that she was entitled to the money because “P.O.D.”

meant “payable on death”; the deposits were negotiable instruments; and she was a holder in due course. Are the deposit slips negotiable instruments under the Uniform Commercial Code? [ Estate of Balkus, 381 N.W.2d 593 (Wisconsin).]