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REAL DEFENSES

1. Minority 2. Forgery 3. Non-delivery of Incomplete Instrument 4. Material Alteration 5. Ultra Vires act of Corporation 6. Fraud in Factum or Esse Contractus 7. Illegality if declared void for any purpose 8. Vicious Force or Violence 9. Want of Authority 10. Prescription 11. Discharge in Insolvency

PERSONAL DEFENSES
1. Failure or Absence of Consideration 2. Illegal Consideration 3. Non-delivery of Complete Instrument 4. Conditional delivery of Complete Instrument 5. Fraud in Inducement 6. Filling up blank not within authority 7. Duress or intimidation 8. Filling up blank beyond reasonable time 9. Transfer in breach of faith 10. Mistake 11. Insertion of a wrong date 12. Ante-dating or postdating for illegal or fraudulent purpose

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