2וְכֵן שְׁכִיב מֵרַע שֶׁאָמַר הַלְוָאָה אוֹ פִּקָּדוֹן שֶׁיֵּשׁ לִי בְּיַד פְּלוֹנִי תְּנוּ אוֹתָהּ לִפְלוֹנִי דְּבָרָיו קַיָּמִין וְאֵין צָרִיךְ לְמַעֲמַד שְׁלָשְׁתָּן. וְכֵן אִם אָמַר תְּנוּ שְׁטַר פְּלוֹנִי לִפְלוֹנִי זָכָה בְּמַה שֶּׁיֵּשׁ בַּשְּׁטָר. וּכְאִלּוּ כָּתַב וּמָסַר אַף עַל פִּי שֶׁלֹּא מָשַׁךְ הַשְּׁטָר. וְאֵין הַיּוֹרֵשׁ יָכוֹל לִמְחל שְׁטָר זֶה שֶׁנָּתַן בְּמַתְּנַת שְׁכִיב מֵרַע. וּמִפְּנֵי מָה הַמּוֹכֵר אוֹ נוֹתֵן שְׁטַר חוֹב לַחֲבֵרוֹ וְחָזַר וּמְחָלוֹ הַיּוֹרֵשׁ מָחוּל וּשְׁכִיב מֵרַע שֶׁנָּתַן שְׁטַר חוֹב אֵין הַיּוֹרֵשׁ יָכוֹל לִמְחל. מִפְּנֵי שֶׁקִּנְיַן הָרְאָיָה בִּשְׁטָר מִדִּבְרֵיהֶם לְפִיכָךְ הַיּוֹרֵשׁ עֲדַיִן זֶה הַשְּׁטָר שֶׁלּוֹ הוּא מִן הַתּוֹרָה וּמוֹחֲלוֹ. וּמַתְּנַת שְׁכִיב מֵרַע אַף עַל פִּי שֶׁהִיא מִדִּבְרֵיהֶם עָשׂוּ אוֹתָהּ כְּשֶׁל תּוֹרָה. וּכְאִלּוּ קָנָה מָמוֹן שֶׁבַּשְּׁטָר מִן הַתּוֹרָה וְהִגִּיעַ לְיָדוֹ וְלֹא נִשְׁאַר לַיּוֹרֵשׁ בּוֹ קִנְיָן. וּלְפִיכָךְ אֵינוֹ מוֹחֵל:
Similarly, if a sh'chiv me'ra states: "I have loaned money..." or "...entrusted an object to so and so; give it to this and this person," his words are binding, and a ma'amad sh'loshtam is not required. Similarly, if a sh'chiv me'ra says: "Give so and so this particular promissory note," the recipients acquire the debt mentioned in the promissory note, as if the sh'chiv me'ra wrote the transfer on the promissory note and gave it to the intended recipient, even though the promissory note was not actually transferred. An heir does not have the right to waive payment of a promissory note that was given as a matnat sh'chiv me'ra. Why is that when a person sells or gives a promissory note to a colleague, and an heir waives payment, the waiver is binding, while when a sh'chiv me'ra apportions a promissory note as a matnat sh'chiv me'ra, an heir cannot waive payment. The rationale is that the transfer of a promissory note is a Rabbinical ordinance. Therefore, according to Scriptural Law, the promissory note still belongs to the heir. Thus, his waiver of it is of consequence. The transfer of a gift given by a sh'chiv me'ra is also a Rabbinic ordinance. Nevertheless in this instance, our Sages reinforced their decision and conveyed upon it the power of Scriptural Law. Thus, it is as if the recipient acquired the money mentioned in the promissory note according to Scriptural Law, and the money already reached his possession. Thus, the heir no longer possesses any right to it. Therefore, he cannot waive its payment.