Coppersmith Executed and Delivered Negotiable Notes to the Payee, Charlene

Essay

Coppersmith executed and delivered negotiable notes to the payee, Charlene. The payee endorsed the notes to Whitehurst but did not deliver them. Instead, she kept the notes in her possession because she wanted to collect the interest during her life and wanted the endorsee to have the notes on her death. After Charlene's death, her executor, Cartwright, found the notes. Both Cartwright and Whitehurst sought to enforce the notes against Coppersmith. Who was entitled to do so?