A mailer type business form intermediate, and method of producing a mailer from the intermediate, effect folding in a novel manner in order to produce a business form that is particularly advantageous for providing a negotiable instrument, such as a bank check or money order. The intermediate has conventional components, but with first, second and third fold lines defining a sheet of paper comprising the intermediate into first through fourth panels. The fourth panel has indicia defining the negotiable instrument and at least one line of weakness separating the negotiable instrument from the rest of the fourth panel. Tacking adhesive patterns may be disposed substantially parallel to the top and bottom edges of the intermediate to hold the first panel second face to the second panel second face adjacent the top edge and second fold line, and to hold the fourth panel second face to the second panel first face adjacent the first and third fold lines, when the intermediate is folded about the fold lines. To make the final mailer the fourth panel is folded about the third fold line so that the first face of the fourth panel comes into operative contact with the first face of the third panel, and then the first and second panels are Z-folded about the first and second fold lines to bring the second panel first face into operative contact with the fourth panel second face and the first panel second face into operative contact with the second panel second face. Preferably the adhesive for holding the mailer together comprises pressure activated cohesive, and a pressure of at least 100 pounds per lineal inch is applied to the folded intermediate to form the sealed mailer.