For a loan disbursement check would the borrower be the remitter or the bank for the following?
(3) "Declaration of loss" meansa statement, made in a record under penalty of perjury, to the effectthat (i) the declarer lost possession of a check, (ii) the declarer is the drawer orpayee of the check, in the case of a certified check,or the remitter or payee of the check, in the case of a cashier'scheck or teller's check, (iii) the loss of possessionwas not the result of a transfer by the declarer or a lawful seizure, and (iv)the declarer cannot reasonably obtain possession of the check because the checkwas destroyed, its whereabouts cannot be determined, or it is in the wrongfulpossession of an unknown person or a person that cannot be found or is not amenableto service of process