A right to issue a Dobbs certificate that merely reverses the onus of proof (as distinct from providing conclusive evidence) is not personal to the original lender and is capable of assignment as part of the bundle of rights under a loan agreement. The distinction between conclusive evidence clauses and onus-reversing clauses is material to the question of assignability. Where a loan agreement authorises a lender to pay funds to a third party 'in payment for' defined interests, the authorisation is not conditional on the borrower obtaining a particular proprietary interest unless the agreement expressly so provides.
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