To present participles which come from intransitive verbs, or are themselves employed as adjectives, to mark the absence of the activity, disposition, or condition implied by the participle;

An ACH item is "unauthorized" if it was never originally authorized, if it clears for more than was originally authorized, or if it settles earlier than was previously authorized.

Refers to a signature or endorsement made without actual or implied or apparent authority. Includes a forgery.

a wonderful insight into the players of the Ladies Professional Golf Association