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<h1>Conversion of indorsement in blank allows a holder to name an indorsee without incurring indorser liability.</h1> Conversion of an indorsement in blank into an indorsement in full is effected by the holder writing, above the indorser's signature, a direction to pay a named person as indorsee. The holder may do so without signing his own name and without thereby incurring the responsibilities of an indorser.