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Forged incumbency certificates are not instructions or advices within meaning of Insuring Agreement D.
The court observed that because the incumbency certificates did not authorize or acknowledge the transfer of money and did not even mention loans, funds or payments, they could not qualify as "instructions or advices" within the meaning of the bond.
The corporate secretary must be intimately familiar with corporate structure, bylaws, articles of incorporation, annual meetings, stockholder resolutions, board resolutions, incumbency certificates, minutes, officers, directors, entity correspondence, stock certificates, insider trading--technically known as 16(b) requirements--and other aspects of managing the legal structure and life of a corporation.