N.Y. Uniform Commercial Code Law § 3-115: Incomplete Instruments

Section 3--115. Incomplete Instruments.

(1) When a paper whose contents at the time of signing show that it is

intended to become an instrument is signed while still incomplete in any

necessary respect it cannot be enforced until completed, but when it is

completed in accordance with authority given it is effective as

completed.

(2) If the completion is unauthorized the rules as to material

alteration apply (Section 3--407), even though the paper was not

delivered by the maker or drawer; but the burden of establishing that

any completion is unauthorized is on the party so asserting.