diff --git a/balance-transfer/README.md b/balance-transfer/README.md
index 553c67d376..7d551d25ba 100644
--- a/balance-transfer/README.md
+++ b/balance-transfer/README.md
@@ -173,13 +173,40 @@ curl -s -X POST \
 
 ### Instantiate chaincode
 
+This is the endorsement policy defined during instantiation.
+This policy can be fulfilled when members from both orgs sign the transaction proposal.
+
+```
+{
+	identities: [{
+			role: {
+				name: 'member',
+				mspId: 'Org1MSP'
+			}
+		},
+		{
+			role: {
+				name: 'member',
+				mspId: 'Org2MSP'
+			}
+		}
+	],
+	policy: {
+		'2-of': [{
+			'signed-by': 0
+		}, {
+			'signed-by': 1
+		}]
+	}
+}
+```
+
 ```
 curl -s -X POST \
   http://localhost:4000/channels/mychannel/chaincodes \
   -H "authorization: Bearer <put JSON Web Token here>" \
   -H "content-type: application/json" \
   -d '{
-	"peers": ["peer0.org1.example.com","peer1.org1.example.com"],
 	"chaincodeName":"mycc",
 	"chaincodeVersion":"v0",
 	"chaincodeType": "golang",
@@ -190,13 +217,14 @@ curl -s -X POST \
 
 ### Invoke request
 
+This invoke request is signed by peers from both orgs, *org1* & *org2*.
 ```
 curl -s -X POST \
   http://localhost:4000/channels/mychannel/chaincodes/mycc \
   -H "authorization: Bearer <put JSON Web Token here>" \
   -H "content-type: application/json" \
   -d '{
-	"peers": ["peer0.org1.example.com","peer1.org1.example.com"],
+	"peers": ["peer0.org1.example.com","peer0.org2.example.com"],
 	"fcn":"move",
 	"args":["a","b","10"]
 }'
diff --git a/balance-transfer/app/instantiate-chaincode.js b/balance-transfer/app/instantiate-chaincode.js
index 923be6b8c8..1c6455a570 100644
--- a/balance-transfer/app/instantiate-chaincode.js
+++ b/balance-transfer/app/instantiate-chaincode.js
@@ -50,7 +50,19 @@ var instantiateChaincode = async function(peers, channelName, chaincodeName, cha
 			chaincodeType: chaincodeType,
 			chaincodeVersion: chaincodeVersion,
 			args: args,
-			txId: tx_id
+			txId: tx_id,
+
+			// Use this to demonstrate the following policy:
+			// The policy can be fulfilled when members from both orgs signed.
+			'endorsement-policy': {
+			        identities: [
+					{ role: { name: 'member', mspId: 'Org1MSP' }},
+					{ role: { name: 'member', mspId: 'Org2MSP' }}
+			        ],
+			        policy: {
+					'2-of':[{ 'signed-by': 0 }, { 'signed-by': 1 }]
+			        }
+		        }
 		};
 
 		if (functionName)
diff --git a/balance-transfer/testAPIs.sh b/balance-transfer/testAPIs.sh
index e83a672e6d..8528924c32 100755
--- a/balance-transfer/testAPIs.sh
+++ b/balance-transfer/testAPIs.sh
@@ -144,7 +144,7 @@ curl -s -X POST \
 echo
 echo
 
-echo "POST instantiate chaincode on peer1 of Org1"
+echo "POST instantiate chaincode on Org1"
 echo
 curl -s -X POST \
   http://localhost:4000/channels/mychannel/chaincodes \
@@ -159,14 +159,14 @@ curl -s -X POST \
 echo
 echo
 
-echo "POST invoke chaincode on peers of Org1"
+echo "POST invoke chaincode on peers of Org1 and Org2"
 echo
 TRX_ID=$(curl -s -X POST \
   http://localhost:4000/channels/mychannel/chaincodes/mycc \
   -H "authorization: Bearer $ORG1_TOKEN" \
   -H "content-type: application/json" \
   -d '{
-	"peers": ["peer0.org1.example.com","peer1.org1.example.com"],
+	"peers": ["peer0.org1.example.com","peer0.org2.example.com"],
 	"fcn":"move",
 	"args":["a","b","10"]
 }')