<prompt> Translate the following text to EnglishMmiliki lazima awe ametimiza mahitaji ya kisheria ya uwasilishaji na utoaji wa chombo kwa mtengenezaji wa noti au mkopeshaji wa rasimu na lazima apate kwamba chombo hicho cha kisheria kimekataa kulipa au kimekosa kulipa chombo hicho.  <response>: The holder in due course must have met the legal requirements of presentation and delivery of the instrument to the maker of a note or acceptor of a draft and must have found that this legal entity has refused to pay for or defaulted in payment of the instrument. 