UNIVERSITY 
 
 OF CALIFORNIA 
 
 LOS ANGELES 
 
 SCHOOL OF LAW 
 LIBRARY
 
 TREATISE ON THE LAW 
 
 PROMISSORY NOTES 
 
 BILLS OF EXCHANGE. 
 
 BY 
 
 THEOPHILUS PARSONS, LL.D. 
 
 DANE PROFESSOR OF LAW IN HARVARD UNIVERSITY, AND AUTHOR OF TREATISES ON THE LAW 
 
 OF CONTRACTS, ON THE ELEMENTS OF MERCANTILE LAW, ON MARITIME LAW, 
 
 AND THE LAWS OF BUSINESS FOR BUSINESS MEN. 
 
 SECOND EDITION. 
 
 REVISED AND ENLARGED. 
 
 'J IN TWO VOLUMES. 
 VOL. I. 
 
 PHILADELPHIA : 
 J. B. LIPPINCOTT & CO. 
 
 18 7 5.
 
 Kiitcred acconling to Act of Congress, in the year 18G2, by 
 
 THEOPHILUS PARSONS, 
 
 lu tin- Clerk's Ollice dI' tlie District Court of the District of MassaL-husetts. 
 
 Entered according to Act of Congress, in tlie year 1874, by 
 
 THEOPHILUS PARSONS, 
 In the Otfice of the Librarian of Congress, at Wasliington. 
 
 T 
 
 ■I n 
 
 ^ir
 
 r \l E V ACE. 
 
 To the iiianv existiriij; works on the Law of Notes and 
 Bills, I have added another, in which I endeavor to cover 
 a wider ground. 1 have tried to present, in the text, 
 every important question in relation to this topic which 
 has been considered in the courts of England or any of 
 the United States, with the best conclusions I could form. 
 In the notes, 1 have cited very lully the casen bearing 
 upon these questions, — much the larger part of them by 
 name, volume, and page only, — that those who wish to 
 do so may pursue the investigation through the original 
 authorities. I have also quoted, freely, apposite passages 
 from the most important or instructive decisions, with 
 the purpose of meeting, so far as that is possible, the 
 growing difficulty of accumulating in our libraries a com- 
 plete series of all the p'ablished Reports ; a difficulty 
 which is so great, and increases so rapidly, that it will 
 compel a reform. It is not desirable that this reform 
 should be accomplished by withholding the decisions, but 
 by compressing them. Some of the learned essays which 
 our Reports contain are very valuable. But it might be 
 a benefit to the courts, to the profession, and to the 
 community, if an avoidance of difflis;- and discursive 
 argumentation should give to the decisions point, pre- 
 cision, and weight, and permit a single volume to contain, 
 and to express distinctly, all the law which must now 
 be sought in very many, with much laboi', and some- 
 times imperfect success. 
 
 T. P. 
 
 Cambridgk, September. 1862. 
 
 776934
 
 PREFACE TO SECOND EDITION. 
 
 In this edition, the whole work is brought down to the 
 present day ; many alterations and additions made ; and 
 from the many cases which have been decided in England 
 or this country since tlie former edition, nearly three hun- 
 dred which modified the law, or gave to it useful illustra- 
 tion, or determined new questions, are now quoted from or 
 
 cited. 
 
 T. P. 
 
 Cambridge, February. 1874.
 
 CONTENTS OF VOL. I 
 
 CHAPTER 1. 
 
 TUK OUIGIN AND FUNCTION OF NOTKS AND BILLS . . 1 
 
 CHAPTER II. 
 
 rUOMISSORY NOTKS. 
 
 SECTION I. 
 Definitions 14 
 
 SECTION II. 
 The Form of Promissory Notes 21 
 
 CHAPTER III. 
 
 THK KSSKNTIAL KLK.MKNTS OF A NEGOTI A HLK PUOMlSSOkY NOTF, 
 
 SECTION I. 
 
 Certainty as to the Payee 3') 
 
 SECTION II. 
 ••Jertainty as to the Payor . . ; '■> 
 
 SECTION III. 
 Certainty as to tlie Amount "37 
 
 SECTION IV. 
 
 Certainty as to the 'rime of Payment 38 
 
 SECTION V. 
 Certainty as to tlie Fact of Payment 42 
 
 VOL. I. u*
 
 vi CONTEXTS. 
 
 SECTION VI. 
 
 When an Uncertainty i-5 ^Matter of Form, and not of Substance . . 4? 
 
 SECTION VII. 
 Delirery ^^ 
 
 CHAPTER IV. 
 
 BILLS OF EXCHANGE. 
 
 SECTION I. 
 What they are 52 
 
 SECTION II. 
 The Obligations of the Parties 54 
 
 SECTION m. 
 Inland Bills and Foreign Bills 55 
 
 SECTION IV. 
 The Sets of Foreign Bills 58 
 
 SECTION V. 
 The Certainty requisite in a Bill of Exchange 60 
 
 CHAPTER V. 
 
 I'KUSONS WHO MAY RK PAUTIKS TO NOTES OR BILLS. 
 
 SECTION I. 
 It.fant. 67 
 
 SECTION II. 
 M.i'ii'Ml Women .78 
 
 SKCITON III. 
 Pcr-on^ iiMilfT r,ii:inrniii>.hiii 89
 
 CONTENTS. VU 
 
 SECTION IV. 
 Agents 90 
 
 SECTION V. 
 Partners 123 
 
 SECTION VI. 
 Lunatics 149 
 
 SECTION VII. 
 Aliens 151 
 
 SECTION VIII. 
 bankrupts 153 
 
 SECTION IX. 
 Executors and Administrators 154 
 
 SECTiL ^ X. 
 Corpoi'ations 163 
 
 CHAPTER VI. 
 
 CONSIDERATION. 
 
 SECTION I. 
 
 The general Principles in relation to the Consideration of Notes 
 and Bills 175 
 
 SECTION 11. 
 Failure of Consideration 203 
 
 SECTION III. 
 Illegal Consideration 212 
 
 SECTION IV. 
 
 Transfers for antecedent Debts, or for Security 218
 
 viii CONTENTS. 
 
 CHAPTER VII. 
 
 THE RIGHTS AND DUTIES OF Til K MAKER. 
 
 SECTION I. 
 Where a Party signs as Principal ^^^ 
 
 SECTION II. 
 "WTiere a Party signs as Surety 238 
 
 SECTION III. 
 Of joint Makers and several Makers 247 
 
 CHAPTER VIII. 
 
 HOLDER. 
 
 SECTION I. 
 Rights and Duties of tlie Holder 253 
 
 SECTION II. 
 
 Who is a b(majide Holder of Negotiable Paper 254 
 
 SECTION III. 
 Against what Defences a hona fide Holder is |)rotected .... 274 
 
 CHAPTER IX. 
 
 ACCEPTANCE. 
 
 SECTION I. 
 What constitutes Acceptance 281 
 
 SECTION II. 
 PromiHC to accept . 292 
 
 SECTK^N III. 
 Conditional iind (pjalilifd Acceptances . 300
 
 CONTENTS. IX 
 
 SECTION IV. 
 Acceptance for Honor 313 
 
 SECTION V. 
 What Acceptance admits 320 
 
 SECTION VI. 
 
 Extinguishment of the Obligation incurred by Acceptance , . . 324 
 
 CHAPTER X. 
 
 PRKSENTMKNT FOR ACCEPTANCE. 
 
 SECTION I. 
 Of the Rights and Duties of a Payee before Acceptance .... 330 
 
 SECTION II. 
 Proceedings on Non-acceptance 350 
 
 CHAPTER XI. 
 
 PRESENTMENT FOR DEMAND. 
 
 SECTION I. 
 
 Reasons for the requirement of Demand of Payment of Negotiable 
 Paper and of Notice of Dishonor 353 
 
 SECTION 11. 
 I »y whom Demand may be made 357 
 
 SECTION III. 
 Of whom Demand may be made 361 
 
 SECTION IV. 
 In what Manner Demand should be made 367 
 
 SECTION V. 
 At what Time Demand sliould be made 373
 
 X CONTENTS. 
 
 SECTION VI. 
 At whut Place Demand should be made 421 
 
 SECTION VII. 
 
 Excuses for Absence of Demand of Payment 442 
 
 1. Where the Demand for Payment cannot be made .... - 443 
 
 2. In>olveney ... 446 
 
 3. Other Circum>tances 448 
 
 4. The Acts of a Party which affect his Right to require Demand 
 
 of Payment 463 
 
 CHAPTER XII. 
 
 NOTICE OF DISHONOR. 
 
 SECTION I. 
 The Form of the Notice 466 
 
 SECTION IT. 
 The Manner in which Notice should be given . 477 
 
 SECTION III. 
 To what Place the Notice should be sent 487 
 
 SECTION IV. 
 To whom Notice should be given 499 
 
 SECTION V. 
 By whom Notice should be given 503 
 
 SECTION VI. 
 At what Time Notice should be given 506 
 
 CHAPTER XIII. 
 
 EXCUSES FOK WANT OK NOTICE. 
 
 SECTION I. 
 
 Exfrusrs for Non-notiro, grontwh-d on the necessary Knowledge by 
 
 the Pjirly to br; notified 523
 
 CONTENTS. XI 
 
 SECTION 11. 
 
 Excuses for Non-notice, grounded on Impossibility of Notice . . 525 
 
 SECTION III. 
 
 Excuses for Non-notice, grounded on the Absence of Right in any 
 
 Party to require Notice 532 
 
 SECTION IV. 
 
 Excuses for Non-notice, grounded on a Waiver of the Right to re- 
 quire Notice 575 
 
 1. When the Waiver is in Writing on the Note or Bill . . . . 576 
 
 2. When the Waiver is inferred from Acts of the Indorser or 
 
 Drawer 582 
 
 3. When the Waiver occurs on the Day of Maturity 592 
 
 4. When the Waiver occurs after Maturity 594 
 
 5. By whom the Waiver is made 609 
 
 6. To whom the Waiver is made 610 
 
 7. Presumptive Evidence in reference to Waiver 612 
 
 SECTION V. 
 General Remarks on the Subject of Excuse for Non-notice . . . 627 
 
 CHAPTER XIV. . 
 
 OF PROTEST AND OF RE-EXCHANGE. 
 
 SECTION I. 
 Of Protest 633 
 
 SECTION II. 
 Of Re-exchanjre and other Damasres 648
 
 INDEX TO CASES CITED. 
 
 A. 
 
 A bat V. Nolt^ 
 
 V. Rion 
 
 Abbe V. Rood 
 
 Abbey v. Lill 
 
 II. 162 
 
 I. 504 
 
 II. .577 
 
 I. 48.5; 11.491 
 
 Abbott V. Agricultural Bank of Missis- 
 
 sippi 
 
 V. Hendricks 
 
 V. McElroy 
 
 r. Mackinley 
 
 V. Mitchell 
 
 V. Muir 
 
 i; Striblen 
 Abel V. Sutton 
 Abell V. Douglass 
 Abercrombie r. Knox 
 Aborn v. Bosworth 
 
 Abraham v. Dubois 
 Abrahams r. Bunn 
 
 V. Skinner 
 Abram v. Cunningham 
 Abrams v. Pomeroy 
 
 V. Suttles 
 Absolcn V. Marks 
 Acheson v. Fountain 
 Ackermann v. Ehrensperger 
 Ackland v Pearce 
 A'Court !'. Cross 
 Active, The 
 Adams v. Bracket! 
 
 V. Carver 
 
 V. Cordis I 
 
 V. Darby 
 
 V. Frye 
 
 II 92, 96 
 
 I. 194 
 
 II. 64.5 
 
 I. 83 
 
 II. 470 
 
 II. 472 
 
 II. 309 
 
 I. 146; II. 7 
 
 I. 198 
 
 I. 237 
 
 464, 642; II. 261, 
 
 291, 294, 298 
 
 II. 330, 332 
 
 II. 418 
 
 II. 331 
 
 I. 162 
 
 II. 502 
 
 II 622 
 
 II. 440 
 
 I. 16 
 
 II. 140, 399 
 
 II. 490, 491 
 
 II. 654 
 
 II. 170. 176 
 
 I. 86, 88 
 
 TI. 467 
 
 I. 664 . II. 370 
 
 I. 537, 539, 542, 549 
 
 II 555, 556, 572 
 
 b 
 
 Adams v. Gregg I. 325 
 
 V. Hardy II. 121 
 
 V. Jones I. 49, 298; II. 132, 134 
 
 V. King I. 31 
 
 V. Leland I. 527 
 
 V. Lingard II. 467 
 
 V. McGrew II. 610 
 
 V. Oakes II. 209 
 
 V. Otterback I. 397 
 
 V. Robinson I. 335 
 
 v. Rowan II. 431 
 
 V.Smith 1.221,261 
 
 V. Taylor II. 630 
 
 V. Torbert I. 382 
 
 V. Torry II. 634, 651 
 
 V. Wilson II. 509 
 
 r. Wordley I. 19.5, 301 ; 11.513 
 
 Adams Bank v. Anthony ' I. 237 
 
 V. Jones II. 444 
 
 Addams v. Seitzinger II. 662 
 
 Adkins v. Blake II. 92, 263, 275, 276 
 
 Adle 17. Metoyer I. 229, 326 
 
 Aflalo B. Fourdrinier 11.491 
 
 Agan V. M'Manus I. 600, 612, 629, 632: 
 
 II. 516 
 Agawam Bank v. Sears I. 236; II 577 
 V. Strever I 268 ; II. 517 
 Agce V. Medlock II. 437, 439 
 
 Aggs ». Nicholson I. 170 
 
 Agnew V. Bank of Gettysburg I. 515 
 
 Agricultural Bank v. Bissell II. 406, 4 1 2. 
 
 421 
 Agricultural, &c. Co. v. Fitzgerald II. 577 
 Aikin v. Bailey II. 634 
 
 Ainslie v. Wilson II. 93 
 
 Airev v. Holmes II. 630
 
 XIV 
 
 INDEX TO CASES CITED. 
 
 Alatmnia Co. v. Brainard I. 95 
 
 Albee V. Little II. 603 
 
 Alcock V. Alcock I. U9, 1.51 ; II. 6 
 
 V. Hill I. 240; II. 240 
 
 V. McKain II. 456 
 
 Alday v. Jamison II. 244 
 
 Alden v. Barbour I. 311 ; II. 473 
 
 AldtTson, Ex parto I. 336 
 
 f. Langaale II. 550, 573 
 
 Aldi< r. Johnson I. 382, 508 ; II. 120 
 
 Aldridi V. Cambell II. 614 
 
 t'. Grimes I. 67, 75 
 
 V. Jackson II. 37, 107, 187, 195, 
 
 485, 600 
 
 r. Morse II. 651 
 
 i;. Warren I. 51, 189 
 
 Aldridire v. Branch Bank I. 41, 49 ; 
 
 II. 514 
 Alewood V. Haseldon I. 381 
 
 Alexander r. Burchfield I. 273 ; II. 72, 
 
 74, 85 
 
 v. Burnet II. 634 
 
 r. Dennis II. 98, 107, 194, 
 
 195, 207 
 
 V. Mackenzie I. 120 
 
 V. Oaks I. 45 
 
 e. Strong 11.215,285 
 
 r. Thomas I. 40, 
 
 Alger V. Thatcher I. 214 
 
 Alivon p. Furnival II 358 
 
 Allairer. Hartshorne I. 191, 223, 224 
 
 Allan r. Mawson I. 62 
 
 Allen V. Avers II 448 
 
 V. Dundas I. Ifil ; II. 83, 210, 
 
 212, 387 
 
 r. Edmundson 1.469,471,488 
 
 V. Furliisli II. 524, 525, 527 
 
 V. Keeve.s II. 69 
 
 J. Kcinlilc I. 641, 651 ; II 342 
 
 r. Kimliall II. 225, 5.10, 531 
 
 r. King I. 223, 226, 537, 544 
 
 r. Mcrchant.s' Hiiuk of New 
 
 York 1.480; II. .340, 345, .347 
 V. MilcH I. 310, 436, 437 
 
 V. Miller II. 309 
 
 r. Newhfrry II. 439, 454 
 
 r', Higtitincrc II. 119, 1.30, l.!8 
 
 r. Sawtellc 11. 641 
 
 r. Sea F. &. L. A-''. Co I, 21, 03 
 r. Srniili I. 31 1, 432 
 
 Allen V. State Bank I. 231, 232 ; II. 297. 
 
 298, 302, 312, 313, 314 
 
 V. Suydam I. 337, 34 6, 347 
 
 V. Union Bank of Louisiana I. 662 
 
 V. Walker 
 
 V. Watson 
 Aliesbrook v. Roach 
 Allin V. Shadburne 
 Allison V. Pennington 
 
 V. Purdy 
 Allnutt y. Ashenden 
 Allstan V. Contee 
 AUston t\ Allston 
 Allwood V. Haseldon 
 
 Almy V. Reed 
 Alner v. George 
 Alsop V. Goodwin 
 Alston V. Heartman 
 V. Jackson 
 V. State Bank 
 
 II. 25 
 
 IL 318 
 
 IL 476 
 
 II. 440 
 
 II. 649 
 
 II. 57(1 
 
 II. 12S 
 
 II. 228 
 
 IJ. 233 
 
 I. 446, 529, 
 
 596. 610 
 
 II. 298, 302. 3II.T 
 
 11.51 
 
 II. ."luh 
 
 II. 45U, 451 
 II. 446 
 II. 663 
 
 Alves V. Hodgson I. 44 ; II. 318,319 330 
 
 Ambrose v. Hop wood I. 306 
 
 American Bank v. Baker I. 239, 242 
 
 V. Jenness I. 264, 270 
 
 Ames V. Meriam II. 71 
 
 Amherst Academy v. Cowls I. 202 
 
 II. 46, 52, 444, 453 
 
 Ammidown v. Wheelock II. 46 
 
 V Woodman 1.385; 11.461 
 
 Amner v. Clark I. 56 : II. 329, 331 
 
 Amory v. Mcry weather II. 418 
 
 Amoskeag Bank v. Moore I. 582; II 534 
 
 Manuf. Co. r. Gibbs I. 260 
 
 Amsbaugli r. Gearhart II. 118 
 
 Aneher v. Bank of England I. 17, 119 ; 
 
 II 22, 590, 598 
 
 Anderson v. Anderson I. 229 
 
 V. Busteed I. 273 ; II. 79 
 
 V. Cleveland 1 324, 374 
 
 V. Davis II. 132 
 
 r. Drake 1.424,435,441.442, 
 
 451, 453, 455 
 
 V. C.r, ,rge II. 239 
 
 r. Folger I. 537 
 
 r. Hawkins 11.91, 101, 189, 600 
 
 V. Henshaw H -joi 
 
 V. Hick I .•!02 
 
 <!. R.<l)crtson II 60S, 6.")4 
 
 V. Robson II '.)9S, 308
 
 INDEX TO CASES CITED. 
 
 XV 
 
 Anderson v. Van Alen 
 V. Weston 
 
 II. 40 
 
 I. 41, 49; II. 10, 
 
 489, 663 
 
 V. Wheeler II. 364 
 
 V. Yell II. 508 
 
 Bridge Co. v. Appleg.itc II. 290, 
 
 292, 294 
 
 Anderton v. Beck 
 Andover v. Grafton 
 Andrew v. Blachlj 
 Andrews v. Bairgs 
 
 I. 531 
 I. 119 
 
 II. 68, 69 
 I. 303 
 I. 590, 622 
 II 374 
 II. 9, 10 
 II. 318 
 I. 40 
 
 V. Boyd 
 V. Carr 
 
 V. Chadbourne 
 
 V. Creditors 
 
 V, Franklin 
 
 V. Ilerriot II. 318,322,327,366, 
 
 368, 387 
 
 r. Iloxie I. 310 
 
 V. McCo)' I. 225 
 
 V. Planters' Bank I. 126, 140 
 
 V. Pond II. 280, 318, 320, 324, 
 
 337, 376, 378, 407, 434 
 
 V. Wheaton I. 209 
 
 Androsco{i:gin Bank v. Kimball I. 115 
 
 Angel V. Felton II. 286, 293, 306 
 
 Angell V. Ibler I. 326 
 
 Ankerstein v Clarke II. 447 
 
 Anna Kimball, Cargo of tlie Ship, II. 169 
 
 Anonymous (2 Atk. 32) I. 26 
 
 (1 Brown, Ch. 376) II. 364, 
 
 365 
 
 (1 Camp. 492, n.) II. 16 
 
 (Comb. 401) 
 
 I. 
 
 282, 283 
 
 (Comb. 463) 
 
 
 II. 228 
 
 (Cro. Eliz 68) 
 
 
 II. 223 
 
 (Hardres, 420) 
 
 
 II. 391 
 
 (1 Ld. Raym.) 
 
 1. 449 
 
 ; 11.293 
 
 (12 Mod. 345) 
 
 I. 634 
 
 ;II. 41, 
 497 
 
 (12 Mod. 408) 
 
 
 II. 154 
 
 (12 Mod. 517) 
 
 
 II. 154 
 
 (12 Mod. 564) 
 
 
 11. 209 
 
 (F Moore, 122 
 
 ) 
 
 11.214 
 
 (I Salk. 126; 3 
 
 id. 71) 
 
 II. 255, 
 
 
 263, 
 
 268, 269 
 
 (Skin. 343) 
 
 
 11.25 
 
 (7 Taunt. 244) 
 
 
 II. 369 
 
 V. Harrison 
 
 
 11. 120 
 
 •• Stanton 
 
 
 I. .147 
 
 Anonymous «. (Jrm.ston I. 14 
 
 Anson V. Bailey I. 596 
 
 Antiion ?'. Fislier I. 152 
 
 Antoine t'. Morshcad I. 152; II. 8 
 
 Apgnr V. Hiler I. 233, 235, 243 
 
 Applel)y V. Biddolph I. 43 
 
 Appleton V. B;i!scom I. 243 
 
 V. Donaldson I. 226; II. 43 
 
 V. Parker II. 102 
 
 V. Sweetapple I. 269, 378 ; II. 72 
 
 Aranguren v. Scholfield II. 300, 303 
 
 Arbouin v. Anderson I. 183, -ioS ; II. 272, 
 
 27.}, -137. 438 
 
 Arcangelo v. Thompson II. 491 
 
 Archer v. Dunn II. 377 
 
 V. Hale II. 245 
 
 V. Putnam II. 408 
 
 »-. Ward II. 577, 580 
 
 Arden v. Sharpe I. 125 
 
 Arey v. Stephenson II. 651 
 
 Ariadne, Tiie II. 174 
 
 Arlington v. Hinds II. 4.T-J, .t I 8 
 
 Armani v. Castrique I. 58 ; II. 329, .t89 
 
 Armat v. Union Bank I. 231, 232 ; 
 
 II. 100, 312 
 
 Arrafield v. Allport I. 290 
 
 V. Tate I. 75 
 
 Armistead v. Armisteads I. 310, 429 
 
 V. Brooke II. 655 
 
 V Philpot II. 92 
 
 Armitt v. Breame I. 386 
 
 Arms V. Ashley II. 93 
 
 Armstrong v. Caldwell 1.310 
 
 V. Brown II. 605 
 
 r. Christian! I. 468, 4 70 
 
 V. Gay I. .537. 538 
 
 V. Pratt II. 611 
 
 V. Thruston I. 365, 446, 470 
 
 V. Toler II 321 
 
 Arnold v. Arnold II. 645 
 
 V. Bainbrigge II. 620 
 
 V. Bureau II. 453 
 
 V. Camp II. 179, 200, 202 
 
 V. Crane II. 18! 
 
 c. Downing II. 649, 651, 6.=)4 
 
 V. Johnson II. 22i 
 
 V. Jones II. 560, 565. 577, 581 
 
 ». Lyniaii I. 297 ; II. 63 
 
 V. Mayor nf Poole I. lO'l 
 
 r. RcvouU II 211, 44ti
 
 XVI 
 
 INDEX TO CASES CITED. 
 
 Arnold r. Rock River Valley Union 
 
 Railroad Co 
 
 
 
 II. 147 
 
 Artcher v. Douglass 
 
 
 
 I. 235 
 
 V. Zeh 
 
 
 
 II. 161 
 
 Artisans' Bank v. Backus 
 
 
 
 I. 467 
 
 Arundel Bank v. Goble 
 
 
 
 II. 240 
 
 Ashbr V. Ashby 
 
 
 
 1.31 
 
 17. James 
 
 
 
 II. 653 
 
 Ashford i". Rol)inson 
 
 
 II. 
 
 128, 139 
 
 Ashley v. Gunton 
 
 I. 
 
 494 
 
 ; II. 246 
 
 Ashton V. Frecstun 
 
 I 
 
 328 
 
 ; II. 236 
 
 v. Longes 
 
 
 
 II. 466 
 
 V. Pye 
 
 
 
 II. 236 
 
 Ashnrst v. Royal Bank of Australia 
 
 
 
 I. 153; II. 5 
 
 Aspinail v. Wake 
 
 I. 
 
 161 
 
 ; II. 484 
 
 Aspinwall v. Meyer 
 
 
 
 II. 437 
 
 Aster V. Benn 
 
 
 
 II. 340 
 
 Atherfold v. Beard 
 
 
 
 I. 190 
 
 Atkins V. Owen 
 
 
 
 II. 286 
 
 V. Scarborough 
 
 
 
 II. 639 
 
 V Tredgold 
 
 
 II. 
 
 659, 660 
 
 V. Wheeler 
 
 
 
 II. 293 
 
 Atkinson v. Brooks I. 221, 223, 226 ; II. 43 
 
 V. Elliott II. 613 
 
 V. Ilawdon II. 550, 573 
 
 V. Manks I. 45, 304 
 
 Atlantic, Brig II. 173, 174 
 
 Atlantic do Laine Co. v. Tredick I. 264 
 
 Atlas, The II. 173 
 
 Attenborough v. MacKcnzie I. 229 
 
 Attorney-General r. Life & Fire Ins. 
 
 Co. I. 164, 166; II. 494 
 
 Attwood v. Griffin I. 33 
 
 V. Munnings I. 107, 120 ; II. 489 
 
 V. Rattenbury 
 
 II. 439 
 
 Attwooll V. Attwooll 
 
 II. 605, 607 
 
 Atwater v. Townsend 
 
 II. 359 
 
 Atwell w.' Grant 
 
 1.641 
 
 Atwood V. Agricultural Bank 
 
 II. 646 
 
 V. Crowdie 
 
 II. 225, 2.30 
 
 V. Lewi.s 
 
 II. 5.38 
 
 r. Vincent 
 
 11.167 
 
 ». Whittles?'/ 
 
 II. 417 
 
 V. Wright 
 
 II. 466 
 
 AulMirt V. Walsh 
 
 II. 84, 220 
 
 AuguHta, The 
 
 II. 174 
 
 AuHiiach V. FJnBt 
 
 II. 464 
 
 AuMten V. llnl-cy 
 
 II. 166 
 
 AuHtiri V. HernisH 
 
 II. 4 58 
 
 Austin V. Birchard I. 51 
 
 V. Bostwick II. 654 
 
 V. Boyd II. 518, 520 
 
 V. Burns I. 45 
 
 V. Curtis I. 224 
 
 V. Feland II. 617 
 
 w. Fuller 11.415,417 
 
 V. Harrington II. 408 
 
 V. Imus II. 377, 425 
 
 r. Latham I. 489 
 
 V. Rodman I. 541 
 
 V. Vandermark I. 141 
 
 Australian Royal Mail Steam Nav. 
 
 Co. T. Marzetti I. 163 
 
 Averill v. Field II. 537 
 
 Avery v. Stewart I. 385, 400, 402, 408 
 
 Awde V. Dixon I. 113, 232 ; II. 526 
 
 Aver V. Hawkins II. 226, 653 
 
 ». Hutchins I. 264, 275, 279 
 
 Avers u. Richards II. 649 
 
 Ayiiff V. Scrimsheire II. .532 
 
 Aymar v. Beers I. 264, 267, 269, 338, 
 
 340, 343, 345, 377 
 
 ». Sheldon L 351 ; II. 336, 339, 
 
 340, 348, 372 
 
 Aynsworth, Ex parte II. 412 
 
 Ayran v. McQueen I. 225 
 
 Ayre v. Van Lieu II. 218 
 
 Ayres v. Audubon II. 327 
 
 V. Hayes II. 393 
 
 V. Henderson II. 635, 636 
 
 V. McConnel II, 605 
 
 Ayrey v. Fearnsides I. 37 
 
 Ayton V. Bolt II. 651 
 
 Babcock, In re I. 229, 237, 326 ; II. 250 
 
 V Beman I. 96 
 
 V. Stone I. 137 
 
 V. Weston II. 361 
 
 Babson v. Webber « II. 505 
 
 Bachellor v. Priest I. 337, 357, 358 ; IL 
 
 209, 457, 544 
 
 Bachinan v. Jenka II. 3J8 
 
 Machns v. Richmond II. 460 
 
 Miickhousc V. Harrison 1.258; II. 187, 
 
 259, 260, 272, 277
 
 INDEX TO CASES CITED, 
 
 XVI 1 
 
 I'jukns V. Danforth 
 
 
 I. 408 ; II. 45 
 
 Baker v. Eobinson 
 
 
 11. 121 
 
 V. Minor 
 
 
 II. 4-25 
 
 
 V. Scott 
 
 
 II. 121 
 
 V. Shipherd 
 
 
 I. 580, 581, .589 
 
 
 V. Smith 
 
 
 II. 609 
 
 Bacon v. Brown 
 
 
 II. 227, 228 
 
 
 V. Stackpoole 
 
 
 II. 223, 2.30 
 
 V. Burnham 
 
 
 II. 15 
 
 
 V. Townsheud 
 
 
 I. 215 
 
 V. Dyer 
 
 
 I. 310, 432 
 
 
 V. Walker 
 
 I. 
 
 199; II. 247 
 
 v. Fitch 
 
 
 I. 31 
 
 
 V. Wiieaton I. 27 
 
 5; 
 
 II. 215, 325, 
 
 V. Gniy 
 
 
 II. 6.33 
 
 
 
 
 359, 360 
 
 V. Lee 
 
 
 II. 402 
 
 Balch V. Onion 
 
 
 II. 489 
 
 -.?. IVe 
 
 
 I. 381 
 
 Balcom v. Kichards 
 
 
 II. 658 
 
 V. Searles 
 
 
 II. 218, 233 
 
 B. 
 
 ddwin V. Farnsworth 
 
 
 I. 421 
 
 Badcock o. Steadman 
 
 1.51 
 
 
 V. Bichardson 
 
 
 I. 527 
 
 Badeley v. Vigurs 
 
 
 II. 441 
 
 
 V. Koch ford 
 
 
 1.45 
 
 Badnall ?». Samuel 
 
 I. 245 ; II. 240, 246, 
 
 Ball V. Allen 
 
 
 I. 33 ; II. 66 
 
 
 
 533 
 
 
 V. Greaud 
 
 
 I. 576 
 
 Bagley v. Biizzell 
 
 
 II. 246 
 
 B 
 
 illantine v. Golding 
 
 
 11. 359 
 
 Bagnall v. Andrews 
 
 I. 
 
 539; II. 250, 466 
 
 Ballingalls v. Gloster I. 
 
 351 
 
 ; 11.372,463 
 
 Bagster v. Earl of Portsmouth I. 149 
 
 B 
 
 illinger v. Edwards 
 
 
 II. 416, 428 
 
 Bailey v. Adams 
 
 
 II. 533 
 
 Ballou );. Spencer 
 
 
 I. 140 
 
 V. Bailey 
 
 
 II. 649 
 
 
 V. Talbot 
 
 
 I. 99, 121 
 
 V. Baldwin 
 
 
 II. 247 
 
 Balsbaugh v. Frazer 
 
 
 II. 619 
 
 V. Bidwell I. 
 
 188 
 
 ,189; 11.283,493 
 
 B 
 
 imfield V. Tupper 
 
 
 II. 656 
 
 V. Cromwell 
 
 
 II. .535 
 
 B 
 
 inbury v. Lisset 
 
 
 I. 45, 301 
 
 V. Day 
 
 
 I. 245 
 
 B 
 
 incroft V. Andrews 
 
 
 II. 629, 6^5 
 
 V. Dozier 
 
 
 I. 642, 643. 644 
 
 
 V Dumas 
 
 
 II. 226 
 
 V. Freeman 
 
 
 II. 125, 129, 132 
 
 
 V. Hall 
 
 I. 
 
 478, 479, 48S 
 
 V. Heald 
 
 
 II. 339 
 
 
 V. McKnight 
 
 I. 
 
 224 ; II. 437 
 
 V. Jackson 
 
 
 II. 254 
 
 B 
 
 xndel V. Isaac 
 
 
 II. 403 
 
 V. Knapp 
 
 
 11.471 
 
 B 
 
 mder v. Bander 
 
 
 II. 425 
 
 V. Porter 
 
 
 I. 468, 469 
 
 B 
 
 ingor V. Warren 
 
 
 II. 152 
 
 V. Taylor 
 
 II. 
 
 549, 577, 579, 580 
 
 
 Bank v. Hook 
 
 
 I. 661, 662 
 
 V. Wakeman 
 
 
 II. 471 
 
 
 V. Treat 
 
 
 I 252 
 
 Baillie v. Moore 
 
 
 II. 184 
 
 B 
 
 ings V. Hall 
 
 
 II. 649 
 
 Bainbridge v. Wade 
 
 
 II. 131 
 
 
 V Mosher 
 
 I. 
 
 241 ; 11. 135 
 
 V. Wil cocks 
 
 II. 327, 341 
 
 
 V Strong 
 
 
 I. 239 
 
 Baine v. Williams 
 
 
 II. 228 
 
 B 
 
 ink V. A .-thur 
 
 
 II. 408 
 
 B'xird r. Cochran 
 
 I. 
 
 126; II 467, 470 
 
 
 V. Mayberry 
 
 
 II. 626 
 
 w. Walker 
 
 
 II. 641 
 
 
 V. Porter 
 
 
 I. 634 
 
 P-ikor V. Arnold 
 
 
 II. 467 
 
 
 V. Spell 
 
 
 I. 594 
 
 V. Baker 
 
 
 I. 155; II 645 
 
 
 V. Sullivan 
 
 
 II. 6.-U 
 
 V. Birch 
 
 
 I. 587, 611 
 
 
 Commissioners v. I 
 
 iafayette Hank 
 
 V. Briggs 
 
 I. 
 
 242, 246; TI. 121 
 
 
 
 
 II. 88 
 
 V. Brown 
 
 
 II. 645 
 
 
 Adams, v. Anthony 
 
 I. 237 
 
 r. Charlton 
 
 
 I. 137 
 
 
 V. Jones 
 
 
 II. 444 
 
 T. Draper 
 
 
 II. 180 
 
 
 Agawam, v. Sears 
 
 I. 
 
 236; II. 577 
 
 V. Gallagher 
 
 
 I. 537 
 
 
 V. Strever I 
 
 268; II. 517 
 
 V. Haines 
 
 
 II. 476 
 
 
 Agricultural, v. Bissell 
 
 II. 406,412, 
 
 V. Marshall 
 
 
 I. 237 
 
 
 
 
 421 
 
 V. Martin 
 
 I 
 
 229, 326 ; II. 458 
 
 
 of Albion v. Smith 
 
 II. 
 
 516, 520, 521 
 
 V. Morris 
 
 
 I. 495, 49^, 504 
 
 
 of Alexandria v. D 
 
 ver 
 
 II. 634 
 
 Vol. I.—B 
 
 
 &* 
 
 
 

 
 XVUl 
 
 INDEX TO CASES CITED. 
 
 Bank of Alexandria v. Swann I. 466,471, 
 
 475, 47G, 509 
 
 of America v. Woodworth I. 442; 
 
 II. 547,548 
 
 American, v. Baker I. 239, 242 
 
 V. Jenness I. 264, 270 
 
 Amoskeajr, v. Moore I. 582; II. 534 
 
 Androscoggin, v. Kimball I. 115 
 
 Arundel, v. Goble II. 240 
 
 Bangor, v. Hook I. 661, 662 
 
 V. Treat I. 252 
 
 Belmont, v. Fatterson I. 361 
 
 of Bengal v. Fagan I. 108, 272; 
 
 II. 79, 272, 273 
 
 V. Macleod I. 108 ; II. 
 
 272, 489 
 
 of Bennington v. Raymond I. 337 
 
 Bartlett, v. Tucker I. 36 
 
 Boston, V. Hodges I. 369, 370, 411, 
 
 414, 419 
 
 Bouond, V. Genesi I. 223 
 
 Branch, r. Hodges I. 366 
 
 V. James I. 235 
 
 v. Peirce I. 493 
 
 of Alabama r. Windham 
 
 II. 644 
 
 at Mobile v. Tillman II. 
 
 291, 294, 297, 301 
 
 of Montgomery v Gaffney 
 
 I. 268,3.59,372, 378, 382 
 
 Brooklyn, p. Waring I. 596 
 
 Cabot, v. Morton II. 37, 186, 187, 
 
 485, 486, 590, 600 
 
 V. Russell I. 497 
 
 Canal, v. Bank of Albany I. 275, 
 
 320, 321, 322; II. 38, 284, 483, 
 
 485, 590, 596, 599 
 
 of Cape Fear v. Seawell I. 470, 506 
 
 V. Stiiieinetz I. 57 
 
 Caukill, V. Messenger I. 248 
 
 r. Stall I. 125, 497 
 
 Cayuga Co., v. Bennett I. 482, 501, 
 
 502 
 
 r. Dill I. 593 
 
 r. Hunt I. 362, 418, 
 
 420, 421, 636, 644; 
 
 II 43.T 
 
 r. Wiinlcn 1.471,473, 
 
 47.5, 476, 477 ; 11.348 
 
 Centrnl, v. Allen I. 393, 404, 438, 
 
 451 ; II. 491 
 
 Bank, Central, v. Curtis II. 454 
 
 V. Davis I. 369, CIO 
 
 V. Willard II. 242, 531, 
 
 538, 539, 540, 541 
 
 of Brooklyn v. Lang 
 
 II. 449 
 
 of Charlestown v. Chambers I. 223 ; 
 
 II. 437, 444 
 
 Chautauque, v. Davis I. 358; II. 
 
 442 
 II. 28, 444 
 I. 502 
 I. 483 
 I. 191, 221, 
 223 ; II. 44 
 II. 107 
 I. 498 
 
 of Chenango v. Hyde 
 V. Root 
 Chicopee, v. Eager 
 Chicopee, r. Chapin 
 
 of Chiilicothe v. Dodge 
 Citizens', v. Walker 
 City, V. Cutter I. 369, 370, 399, 
 
 402, 403, 41 1, 643 ; II. 213, 462 
 City of New Orleans, v. Girard 
 
 Bank I. 651 
 
 Claremont, v. Wood I. 235 ; II. 250 
 
 of Columbia c. Fitzhugh I. 397 
 
 r. Lawrence I. 479, 
 
 482, 483, 487, 489, 
 
 495, 497,498 
 
 V. Magruder I. 397, 
 
 495, 498 
 
 V. Patterson I. 163 
 
 of O.Timerce v. Union Bank II. 
 
 80, 482, 549, 590, 599, 601 
 
 t Oinn.ercial, v. Benedict I. 231, 
 
 232; II. 100, 298,301, 
 
 302, 313, 314 
 
 V. Clark I. 622, 626 
 
 V. Cunningham I 229, 
 
 326 ; 11. 250 
 
 r. French I. 170,238; 
 
 II. 449, 451 
 
 r. Gove I 488 
 
 e. Hughes 1.464,537, 
 
 632; II. 71 
 
 ». King 1.512,518 
 
 V. Newport Man. 
 
 Co. I 170 
 
 V. Norton I. lOG, 108 
 V. Rouih I. 60 
 
 V. Strong I. 478, 482, 
 488, 489, 490 
 &c., V. Ilamer I. 4 IS, 
 435
 
 INDEX TO CASES CITED. 
 
 XIX 
 
 Bank, Commercial, &c. v. Liim II. 577 
 
 of Natchez v. Claiborne 
 
 II. 445 
 
 of Penn. v. Union Bank 
 
 of N. Y. II. 209 
 
 of the Commonwealth v. Letcher 
 
 II. 160, 203, 204 
 
 V. McChord 
 
 II. 567 
 
 Cumberland, v. Hall II. 559, 577 
 
 at Decatur v. Hodges I. 642, 646; 
 
 II. 497 
 
 Decatur v. Spence I. 110, 111 
 
 Dedham, v. Chickering 11.227, 232 
 
 Dorchester & Milton, ;;. New 
 
 England Bank I. 480 
 
 Dry Dock, v. Am. Life Ins. 
 
 Trust Co. II. 432, 433 
 
 Eagle, V. Chapin I. 515; II 358, 
 
 491 
 
 z?. Hathaway 1.483, 484, 487 
 
 of New Haven v. Smith 
 
 II. 37, 101, 189, 306, 600 
 
 East Haddam, v. Scovil I. 480 
 
 Eastern, v. Brown I. 495 
 
 r. Capron II. 614 
 
 East River, v. Gedney I. 273 ; 
 
 II. 74 
 
 of England » Newman 1.362; 
 
 II. 158, 184, 185 
 
 Erie v. Gibson L 237, 238 
 
 Exchange, i\ Monteath I. 109 ; 
 
 II. 478 
 
 Fall River Union, B Willard 1.337, 
 
 348, 372 
 
 Farmers', v. Brainerd I. 659, 660 
 
 V. Butler I. 480, 482, 483 
 
 V. Clarke 11. 652 
 
 r. Duvall 1.367, 370,373, 
 
 511,512; 11.461,492,495 
 
 P. Gilson II. 638 
 
 r. Reynolds, L 231, 232; 
 
 11.101,246,297, 301, 
 
 302, 304, 312, 313 
 
 V. Vanmeter I. 537, 554, 
 
 556, 560, 648 
 
 V. Waples I. 585, 587 
 
 &c. V. Battle I. 480, 484, 
 
 495, 497, 498 
 
 0. Catlin II. 498 
 
 Bank, Farmers', &c. v. Harris I. 404 
 
 r. Rathbone I. 229, 
 326 
 Farmers & Mechanics', v. Kercheval 
 II. 137 
 V. Troy 
 City Bank L 169, 173 
 
 Farmers & Mechanics', of Kent 
 Co. V. Bu tellers & Drovers' 
 Bank I. 273; II. 75, 76, 478 
 Farmers', of Lancaster r. Wliitehill 
 n. 476, 496, 497 
 Farmers & Mechanics', of Mem- 
 phis V. White II. 95 
 Franklin, v. Cooper I. 616 
 V. Freeman II. 67 
 V. Pratt II 467, 469, 470 
 Freemans, v. Perkins I. 57, 643 
 V. Rollins I. 236, 241 ; 
 II. 242, 245, 533 
 Frontier, v. Morse II. 100, 103, 105, 
 192, 193, 197 
 Fulton, V. Beach II. 416 
 V. Phoenix Bank I. 222 ; 
 IL 107, 283, 298 
 of Galliopolis v. Trimble II. 375 
 of Genesee v. Patchin Bank I. 164, 
 165, 166, 171 
 of Geneva v. Howlett I. 490, 498 
 Girard, v. Comly II. 522 
 Gloucester, v. Salem Bank II. 99, 
 101, 190, 195, 598 
 V. Worcester II. 23S 
 Grafton, v. Doe II. 642 
 V. Flanders I. 122 
 V. Hunt II. 193 
 V. Kent L 235 ; IL 515 
 V. Moore I 640, 642, 643 
 V. Woodward I. 235; II. 
 529 
 Grand, v. Blanchard I. 369, 509 
 Grand Gulf, v. Archer II. 43.! 
 V. Wood II. 52 
 Granite, v. Ayers L 362, 423, 44 6, 
 448, 460, 488, 489, 528 
 i;. Ellis 11.445 
 Hallowell & Augusta, v. Howard 
 
 11.91 
 
 of Hamburg v. Johnson I. 47, 1 16 
 
 I'. Wray 1. 122
 
 XX 
 
 INDEX TO CASES CITKD. 
 
 Bauk. Harrisburg, r. Forster II. 469 
 
 Hancock, v. Joy I. 81 
 
 Hartford, r. Barry I. 173.358,359, 
 
 385. ; II. 209 
 
 V. Hart I. 478; II. 492, 
 
 594 
 
 V. Stedman I. 358, 483, 
 
 509 
 
 of Hartford Co. v. Waterman II. 
 
 630, 639, 640 
 
 Honsatonic, v. Laflin I. 466, 471, 
 
 473, 509, 510 
 
 of Illinois V. Brady II. 336 
 
 of Ireland v. Archer I. 285, 292 
 
 V. Beresford I. 229, 326 ; 
 
 II. 245, 249, 250, 515 
 
 Jefferson Co., v. Chapman II. 88, 
 
 91,98 
 
 of Kentucky v. Garey I. 641, 642 
 
 r. Hickey 1. 310; II. 88 
 
 v. Pursley I. 635 
 
 V. Sanders I. 44 
 
 T. Thornsberry II. 88 
 
 Lancaster, u. Woodward 1272,275, 
 
 378; II. 77, 83 
 
 Lee, V. Spencer I. 529, 610 
 
 V. Walbridge II. 434 
 
 Lcwiston Falls, v. Leonard I. 495 
 
 Lime Kock, v. Macomber II. 444 
 
 ». Mallett I. 235; 11.540 
 
 of Limestone, v. Penick I. 290; II. 
 
 557, 465 
 
 Lincoln & Kennebec, v. Hanimatt 
 
 I 369; IL 516 
 
 Lincoln &. Kennebec, v. Page I. 369 ; 
 
 n. 516 
 
 Louisiana, v. Bank of U. S. II. 281 
 
 of Louisiana v. Mansker 
 
 L488 
 
 V. Morgan 
 
 L 555 
 
 V. Smith 
 
 I. 501 
 
 V. 'rouniillon 
 
 I. 483, 
 
 
 498 
 
 V. Watson 
 
 I. 498 
 
 Lf)uisiana State, v. Kilery 
 
 I. 499 
 
 V. Howcl 
 
 I. 483 
 
 V. Orleans Naviga- 
 tion (^o II. 275 
 of Louisville ». Sniiiiniis II.0.'{,294, 
 .■iO.'t 
 M.iUK'. r. Butts II. 412, 421 
 
 Bank,jMaine, v. Smith 1. 370, 570 
 
 Maiden, v. Baldwin I. 439, 440 
 
 of ]\Ianchester v. Bartlett I. 238 
 
 Manchester, v. Fellows I. 412,413, 
 
 414.482,483,484, 510, 
 
 513, 514, 515; IL 462 
 
 V. Slason I. 497, 635 ; 
 
 II. 348,452 
 
 v. White I. 510 
 
 Mnnufacturer.s', v. Cole I. 239 ; II. 
 
 444, 445 
 
 &c. «;.Winship L 132 
 
 of Marietta v. Pindall II. 358 
 
 Marine & Fire Ins., v. Jauncey I. 
 
 290, 335 
 
 of the City of New York, v. 
 
 Clement.s II. 478 
 
 Mariners', v. Abbott I. 235, 241, 
 
 246 ; II. 519 
 
 Massachusetts, v. Oliver I. 501, 502 
 
 Mechanics',!). Bank of Columbia 
 
 L 94, 95 
 V. Earp I. 104, 105 
 
 V. Griswold I 529, 
 
 562, 566, 632 
 V. Hildrcth I. 146 
 
 V. Merchants' Bank 
 
 I. 368, 373 
 
 i;. Minthome I. 371 
 
 V. N. Y. & N. H. R. R. 
 
 Co. L 108, 119; II. 
 
 33, 34, 35, 115, 116 
 
 Mechanics', &c. v. Compton I. 497, 
 
 493 
 
 V. Townscnd I. 
 
 427 
 
 & Farmers', v. SchuyloT 
 
 I. 115, 386; II. 11 
 
 of Memphis v. White II. 643. G44 
 
 Merchants', v. Binh I. 501 
 
 i;. M'Intyre 11.590 
 
 V. Rawls II. 620 
 
 i;. Spalding II. 90 
 
 V. Spicer I. 23, 36 ; II. 
 
 16, 58, 72, 73 
 
 Merrimack Co. v. Brown 1.241, 
 
 59.^); II. 223 
 
 of the Metropolis v. Jones II. 468 
 
 of Michigan ». Ely I 293,294.296, 
 
 298
 
 INDEX TO CASES CITED. 
 
 XXI 
 
 Bank, ^licliigan, v. Leavcmvortli I. 241 
 
 State, V. Peck I. 299 
 
 Midiilctown, v. Jerome II. 493 
 
 of Missouri v. Hull II. 467, 470 
 
 V. Phillips I. 232 ; 
 
 II. 525 
 
 V. Wrioht I. 664 
 
 of Mobile v. Hall I. 221, 225 
 
 Moliawk V. Broderick I. 271, 554; 
 
 II. 58, 59, 68, 69, 71, 72 
 
 V. Corey I. 222, 226 ; 
 
 II. 78 
 
 Moliawk. i>. Van Home II. 247 
 
 of Motuoe V. Strong II. 420 
 
 Montgomery Co. v. Albany City 
 
 Bank I. 481 ; II- 209 
 
 Montgomery Co. v. Marsh I. 490, 
 
 498 
 
 of Montgomery Co. v. Walker I. 
 
 326 ; II. 250 
 
 of Moiitpelier v. Dixon I. 237 ; 
 
 II. 250 
 
 Mount Vernon, v. Iloklen I. 478, 
 
 482 
 
 Narragansctt, v. Atlantic Silk Co. 
 
 I. 167 
 
 National, ». Eliot Bank II. 61, 62 
 
 B.Norton I. 14 6, 147 
 
 of Newbury v. Rand II. 445 
 
 New England, v. Lewis 1.411,413; 
 
 II. 462 
 
 N H. Savings, ». Colcord I. 241, 
 
 242 
 
 u. Ela I. 241; II. 245 
 
 New Haven County, v. Mitchell II. 
 
 491, 496 
 
 New Orleans, v. Harper I. 539, 540 
 
 5.i7, 596, 601, 604, 619 
 
 of New York v. Bank of Ohio I. 35 
 
 V. ^'anderhorst I. 223 
 
 N. Y. State, v. Fletcher 11. 162 
 
 New York & Virginia, &c. v. Gibson 
 
 I. 189, 291, 330, 332 
 
 of Niagara v. M'Crackeu II. 88, 98, 
 
 604 
 
 V. Kosevelt II. 91 
 
 North, V. Abbot I. 311, 369, 370, 
 
 432, 439 
 
 of North America v. Barrieie I. 381 , 
 
 519 
 
 Bank of North America c. M'Call 11.366 
 
 V. M'Knight I. 
 
 395, 507 
 
 V. Meredith II. 
 
 226 
 
 V. Petti t I. 507 
 
 V. Vardon I. 507 
 
 of North Carolina v. Bank of 
 
 Cape Fear I. 310, 429. 431 
 
 North Hampton, v. Ballict II. ."0 
 
 V. Pepoon I. 171, 
 
 172; II. 8, 220 
 
 Northern, v. Farmers' Bank I. 231, 
 
 232; II. 100, 313, 314 
 
 Northern, of Ky. v. Leverick II. 298, 
 
 307 
 
 North River, v. Aymar I. 108 
 
 Norwich, v. Hyde I. 28; II. 12 
 
 OnondhLTa Co., v. Bates I. 640, 641 
 
 Ontario, v. Lightbody II. 192 
 
 ». Putrie I. 401, 476 
 
 r. Schermerhorn II. 433 
 
 V. Worthingtou I. 224 
 
 285, 293, 294 
 
 of Orange Co. v. Colby II. 333, 
 
 336, 351 
 
 Oriental, v. Blake I. 364, 501, 526 
 
 of Orleans v. Merrill I. 26 
 
 V. Whittemore I. 455, 
 
 456, 457 
 
 Oswego, V. Knower I. 587 
 
 Otsego Co., V. Warren I. 362, 595, 
 
 620, 636, 646 
 
 0.\ford, V. Davis I. 337 
 
 V. Haynes I. 238; II. 117, 
 
 119, 137 
 
 V. Lewis I. 241 ; II. 241, 
 
 242, 245, 246, 250, 533 
 
 Pacific, ». Mitchell 11.219 
 
 Paterson, v. Butler I. 491, 499 
 
 Philadelphia, v. Newkirk I. 38 
 
 Phoenix, v. Hussey I. 57,314, 642 ; 
 
 II. 324 
 
 Planters', v. BivingsvilleMaimf. 
 
 Co. IL 434 
 
 V. Bradford I. 494 
 
 r. Markliam I. 419 
 
 V. Bellman II. 533 
 
 V. Sharp I. 164 
 
 ». Snodgrass 11.412,422
 
 xxu 
 
 INDEX TO CASES CTTED. 
 
 Bank. Planters', v. Stotkinau II. SiS Bank 
 
 V. White I. 501 
 
 of Port Gibson v. Baugli I. 145 
 
 Portland, v. Brown II. 228 
 
 of Poughkeepsie r. Hasbrouck 
 
 I. 224 
 Prescott, V. Caverly I. 79, 338, 340, 
 
 342, 345; II. 484, 490, 519, 589 
 
 Quinsigamoud, v. Hobbs II. 421 
 
 Keal Estate, v. Bizzell, I. 638 ; II. 
 
 499 
 
 of the Eepublic v. Baxter I. 273 ; 
 
 II. 77 
 V. Carrington I. 223 
 
 of llcchester v. Bowen I. 125, 140 
 
 V. Gould I. 470, 471, 
 
 473, 475, 476 
 
 i;. Gray 1.351,634, 
 
 635, 636, 640; II. 319, 342 
 
 ». Moiiteath I 92,132 
 
 Rockingham, ». Claggett II. 455 
 
 of Rome v. Village of Rome II. 35 
 
 Royal British, v. Turquand II. 35 
 
 Royal, of Scotland, Ex parte II. 50 
 
 V. Cuthbert II. 
 
 360,361,363 
 
 Ruckersville, v. Hemphill II. 607 
 
 of Rutland v. Buck I. 226 ; II. 27, 
 
 28, 445 
 
 of St. Albans r. Farmers', &c. Bank 
 
 II. 589, 590 
 
 V. Gilliland I. 128, 
 
 221 
 
 V. Scott II. 412 
 
 Salem, v. Gloucester Bank II. 38, 
 
 90, 101, 186, 189, 477 
 
 of Salina v. Babcock I. 222 
 
 of Sandusky v. Scoville I. 221 
 
 Savings, V. Bates I. 223, 396, 416 
 
 of Scotland v. Hamilton I. 347 
 
 Scnuca Co., v. Ncass I. 432, 482, 
 
 490, 498, 645 
 
 V. SclifTineriiorn U. 434 
 
 Seventh Ward, v. Hamick I. 513, 
 
 .M5, ."iia; II. 244 
 
 Silv.T Lake, v. Nortli II. 358 
 
 Skowhctnn, r. Baker II. 445, 453 
 
 South Carolina, v. Case I. 131 
 
 of 8. Carolina r. Flagg 1. 310, 432, 
 
 435, 436 
 
 of S. Curolin.i r. Herbert I. 115; 
 II. 7 
 V. Humjihreys 
 
 I. 146 
 V. Knotts II. 638 
 
 V. M' Willie I. 115 
 V. xMyers 1.561,567, 
 II. 245,247,248, 5.33 
 Springfield, v. Merrick II. 146, 540 
 Stamford, v. Benedict II. 228 
 
 State, V. Aertsen II. 100, 312 
 
 V. Ayers I. 480, 497 
 
 V. Bowers I. 656 
 
 V. Byrd XL 632 
 
 V. Coquillard II. 406, 428 
 State, ». Cowan II. 412, 422 
 
 V. Croft n. 7 
 
 V. Fearing 11. 212 
 
 V. Hennen II. 488, 499 
 
 V. Hurd I. 369,425; II. 152 
 516 
 V. Napier I. 436, 437 
 
 r. Rodgers I. 656; II. 434 
 V. Seawell II. 635 
 
 V. Slaughter I. 483, 502 
 
 V. Smith I. 393 
 
 v. Van Horn II. 88 
 
 V. Watkins I. 238 
 
 V. Wilson II. 245 
 
 of Indiana v. Hayes I. 641 
 of Steubenville v. Hoge II. 245 
 
 Strafford, v. Crosby I. 240 ; II. 240 
 
 533 
 
 Suffolk, V. Worcester Bank II. 394 
 
 Sussex, V Baldwin I. 357, 358. 359 
 
 421, 425, 470, 511, 512, 513, 514, 
 
 516, 589, 596, 600, 601, 604, 619 
 
 of Syracuse v. Holiister 1. 41 9, 435 
 
 Taunton, v. Richardson I. 585, 589 , 
 
 II. 516 
 
 of Tennessee v. Barksdale II. 118 
 
 126 
 
 V. Johnson I. 254 
 
 Ticonic, r. Johnson II. 421 
 
 V. Stack pole 1.6.35,642,644 
 
 Tombeckbee, v. Dumell I. 146, 148 
 
 312 
 
 r. Stratton II. 250 
 
 of Troy «;. Topping I. 198 
 
 Trov City, v. Lauman II. 484
 
 INDEX TO CASES CITED. 
 
 XXllI 
 
 Bank, Ulster Co., v. McFarlan I. 294, 206, 
 
 298, 299; II. 109 
 
 Union, v. Brown I. 497 
 
 V. Carr II. 564 
 
 V. Ellicott II. 91 
 
 V. Fowlkes I. 639, 646 
 
 V. Grimshaw I. .504, 596, 
 
 598, 600, 622 
 
 V. Hall II. 247 
 
 V. Hyde I. 499, 576, 582, 
 
 642, 643, 647 ; II. 329, 499, 516 
 
 V. Lea I. 499 
 
 V. Magruder I. 591 
 
 V- (Jsborue II. 301 
 
 V. Stoker I. 497 
 
 Union, v. Warren II. 298, 299, 
 
 301, 313 
 
 V.Willis 1.363; II. 121, 
 
 124, 520 
 
 of La. ». Coster II. 109, 
 
 132, 140 
 
 of Tenn. ». Smiser 11.153 
 
 of United States v. Bank of Georgia, 
 
 IL 99, 186, 188, 195, 196, 203, 
 
 285, 590, 594, 596, 599, 600 
 
 V. Binney I. 132, 
 
 133 
 
 V. Carneal I. 435, 
 
 436, 437, 472, 495, 496, 497, 498 
 
 V. Cliapin II. 371 
 
 V. Corcoran I. 484, 
 
 495, 496 
 
 V. Daniel L 642, 
 
 660; IL 154 
 
 T. Davis I. 514 
 
 r. Donnally 11.318, 
 
 354, 356, 366, 383 
 
 r. Dunn II. 468 
 
 V. Ellis I. 596 
 
 r. Fleckner I. 173 
 
 V. Goddard I. 515 
 
 V. Hatch I. 494; 
 
 n. 239, 240, 245, 492, 533 
 
 r. Lane I. 490 
 
 V. Leathers I. 601, 
 
 620, 643 ; II. 499 
 
 V. Lyman I. 621, 
 
 622; IL 451 
 
 V. Merle I. 488, 
 
 509, 510 
 
 Bank of United Stiites v. Norwood I. 470. 
 
 483 
 
 V. Owens II. 408, 
 
 434 
 
 V. Kussel II. 5.50, 
 
 581 
 
 V. Sill I. 231, 232, 
 
 II. ]00, 258, 287,293,298,312, 314 
 
 V. Smith I. 309, 
 
 311, 431, 432 
 
 V. Southard I. 596, 
 
 601,606,612,619 
 
 V. United States 
 
 L 651,658,662; 
 
 IL 220, 442 
 
 of United States v. Waggoner 
 
 II. 406, 408, 434 
 
 cfUtica ». Bender 1.490,491.495 
 
 V. Davidson I. 493, 495 
 
 f. DeMott 1.490,491 
 
 V. Ganson II. 445 
 
 V. HiUard II. 469 
 
 V. Ives IL 240, 245, 533 
 
 V. Phillips L494; 11.421 
 
 V. Smedes I. 377, 381 
 
 V. Smith I. 358,419, 435; 
 
 IL 442 
 
 V. Wager L 411 ; II 412, 
 
 421 
 
 of the Valley v. Stribling II. 40* 
 
 Veazie, v. Paulk IL 427, 461 
 
 V. Winn L 411, 413, 414 ; 
 
 II. 68, 72, 462 
 
 of Vergennes v. Cameron I. 128, 
 
 141, 230, 367, 610, 620, 636, 646 
 
 Vermont State, v. Porter II. 364 
 
 of Virginia v. Ward I. 231, 232 ; 
 
 II. 101, 297, 312,313 
 
 Waldo, V. Lumbert I. 125 
 
 Warren, v. Suffolk Bank I. 480 
 
 Washington, v. Prescott II. 225 
 
 V. ShurtlefF IL 140, 
 
 143, 399 
 
 of Washington v. Triplett L 337, 
 
 396, 397, 399 ; II. 324, 340, 342 
 
 Watervliet, v. White I. 96, 170 ; 
 
 U. 442, 595 
 
 West Branch, v. Fulmer I. 523 
 
 V. Moorehead II. 223 
 
 Western, i;. Kyle II. 505
 
 XXIV 
 
 INDEX TO CASES CITED. 
 
 Bank of Westiiiinster t'. Wheaton I. 271 ; 
 
 II. 68 
 
 of Wilmington, &c. v. Cooper I. 311, 
 
 394, 432 
 
 r. Simmons II. 247 
 
 Windham, v. Norton I. 373, 443, 
 
 460, 461, 463 
 
 Woodstock, v. Downer II. 145 
 
 Worcester, r. Wells II. 340, 342 
 
 Worcester Co. i\ Dorchester, &c. 
 
 Bank I. 115, 189, 232,259; 
 
 II. 278, 280, 281,282 
 
 Banks v. Colwell I. 376; II. 604 
 
 V. Dixon II. 301,305 
 
 V. Eastin II. 209 
 
 Baun V. Dalaell II. 396 
 
 Banorgee v. Hovey I. 296, 298 
 
 Barbarin v. Daniels 11. 456 
 
 Barber v. Backhouse I. 207 
 
 V. Gingell I. 92 101 ; II. 196, 
 
 489, 594 
 
 ». Gordon II. 532 
 
 V. iMinturn II. 326 
 
 Barbour v. Fullerton I. 269, 270 
 
 Barclay, E.\ parte I. 503 ; 11. 164, 203, 234 
 
 r. Bailey 1.418,419 
 
 v. Gooch II. 154 
 
 V. Kennedy U. 425 
 
 V. Walmsley II. 428 
 
 V. Weaver I. 584, 587 
 
 BarcUi v. Brown II. 161 
 
 Barger v. Durvin II. 654, 6.=j7, 661 
 
 Baring v. Clark I. 314 ; II. 220, 4.ifi, 488 
 
 V. Lyman I. 297 ; II. 109 
 
 Barkalow v. Johnson I. 596, 600, 601, 
 
 603, 619 
 
 Barker v. Cassidy II. 638 
 
 V. Clark I. 494 
 
 V. Grout II. 51 
 
 V. Hall I. 480 
 
 V. M'Clure I. 2.S9 
 
 V. Mechanic Ins. Co. I. 97. 164, 
 
 165, 169, 170 
 
 V. Parker I. 401. 456, 461, 592 
 
 V. IVcntiss I. 195 ; II. 467, 469, 
 
 470, 518, 519, 521. 525 
 
 ». Sterne I. -19 ; II. 12, .•i-12 
 
 P. Talcot I. 1 :")(•>, 1.^)7 
 
 ». Vansomincr II. 408 
 
 Barlow v. Misliop I. 78, 79, 80 ; II. 211 
 
 Barlow v. Broadhurst I. 38 
 
 V. Congregational Society I. 99 
 
 V. Flemming II. 522 
 
 r. Planters' Bank I. 385, 401 
 
 Barnard v. Cushing II. 145, 146, 541 
 
 V. Flint I. 279 
 
 V. Planters' Bank II. 495 
 
 V. Young II. 409 
 
 Barnes v. Foley II. 315 
 
 V. Gorman I. 45 
 
 V. Hedley II. 420 
 
 V. Modisett II. 446 
 
 V. Reynolds I. 501 
 
 V. Trompowsky II. 480 
 
 V. Worlich II. 422 
 
 Barnet I'. Oft'eruian I. 178 
 
 Barnet v. Skinner I. 251 
 
 V. Smith I. 273, 282, 283, 285, 
 
 301 ; II. 59, 74, 75, 85, 86 
 
 Barney ». Bliss 11.513 
 
 V. Earle I. 221 
 
 V. G rover I. 244 
 
 V. Newcomb I. 170, 297, 298 ; 
 
 II. 358, 471 
 
 Barnum v. Barnum I 178, 200 
 
 Barnwell v. Mitcliell I. 492 
 
 Barougli v. White I. 265, 268, 376, 379 ; 
 
 II. 393, 471, 643 
 
 Barr v. Baker I. 209 
 
 Barrel! ». Benjamin 11.319 
 
 Barret v. Evans I. 483 
 
 V. Thorndike II. 582 
 
 Barrett ». Allen I. 400 
 
 V. Barrett II. 354, 446 
 
 V. Charleston Bank 1. 562, 563 
 
 r. Deere II. 209 
 
 r. Goddard II. 166 
 
 V. Hyde I. 213 
 
 v, Lewis II. 230 
 
 V. Swann I. 128 
 
 V. Union M. F. Ins. Co. II. 50 
 
 Hancto ('. Snowden II. 41 1 
 
 Barrick v. Austin I. 228, 256 ; II. 445 
 
 Barriere v. Nairac II. 45, 52 
 
 Barrington v. Bank of VVa.sliini;t()ii II. 576 
 
 Barron v. Howe II. 162 
 
 liarrow v. Siiirids II 641 
 
 V. West 11. 387 
 
 Barrows ». Lane II. 121 
 
 Barry v. Crowley 1 637
 
 INDEX TO CASKS CITED. 
 
 XXV 
 
 Barry v. Morse I. 584; II. 25 
 
 Barry County v. McGlothlin II. 451 
 
 Barstow v. Hiriart I. 472 
 
 Ijiirtholoinew v. Hill I. 596 
 
 Bartlett v. Henson II. 31 
 
 V. Emery I. 68 
 
 V. Knight II. 323 
 
 V. Marshall II. 393 
 
 V. Mayo II. 151 
 
 V. Kobuison I. 495 
 
 V. Smith II. 332 
 
 t.. WilUams 11.411 
 
 Barton r. Baker I. 529, 561, 565 
 
 r. Tattershall II. 629 
 
 «;. Wilkins 11.504 
 
 Bartrnm v. Caddy I. 270; II. 219 
 
 Bartsch v. Atwater II. 349, 359, 364, 365 
 
 Bascom r. Young I. 125 
 
 Bashford v. Shaw II. 139, 142 
 
 Baskins r. Wilson II. 38, 467 
 
 Biiss V. Bass II. 6^7 
 
 V. Clive I. 321 ; II. 99, 1.96, 482, 
 
 484. 5 90 
 
 Bassett v. Dodgin I. 186 
 
 ?;. Wills 1.311 
 
 Bateman v Joseph I. 527 
 
 V. Finder II. 660 
 
 Bates V. Kempton I. 179 ; II. 54, 
 
 446, 645 
 
 V. Prleket II. 9 
 
 Bathe v. Taylor II. 550, 588, 574 
 
 Battley v. Lewis I. 143 
 
 Batty V. CarswcU I. '15 ; II. 7 
 
 V. Lloyd II 413 
 
 Baucum v Streater II- 639 
 
 Baugh V. Ramsey II. 507 
 
 Bawden v Howell I. 131 ; II. 440 
 
 Baxter v. Duren IL 38, 39, 590, «02 
 
 V. Graves I. 551 
 
 V. Little I. 262 ; II. 609 
 
 V. Penniman II. 659 
 
 Bay v. Church I. 643 
 
 V. Coddington I. 225 ; II. 43, 268, 275 
 
 V. Gunn I 74 
 
 V. Tallmadge II. 240 
 
 Bayard v. Lathy I. 294 
 
 V. Shunk II. 89. 103, 105, 157, 
 
 159, 163, 193 
 
 Bayley v. Greenlcaf II. 167 
 
 V. Taber I. 49 ; II. 89, 514 
 
 C 
 
 Bayley v. Wynkoop 
 Baylis v. Hinger 
 Beach v. Bates 
 V. King 
 
 IT. 227 
 
 II. 397, 398 
 
 II. 141 
 
 I. 154 
 
 V. State Bank I. 124, 140, 142, 
 
 298; II. 109 
 
 V. Vandewater I. 117 
 
 Beachboard v. Luce II. 305 
 
 Beadle v. Hunter II. 640 
 
 Beak v. Beak I. 144 
 
 Beale v. Parrish (20 N. Y.) I. 532, 628 
 
 V. Parrish (24 Barb.) I. 628 
 
 Bealey v. Greenslade II. 656 
 
 Beals V. Peck L 471, 473, 501, 502 
 
 V. See I. 150; II. 6 
 
 Beaman v. Russell II. 577, 579 
 
 Bean v. Arnold I. 579 
 
 V. Briggs II. 330 
 
 Bean v. Jones I. 246 
 
 V. Keen II. 291, 298, 305, 307 
 
 V. Morgan I. 85 
 
 V. Parker I. 232 
 
 Bearce v. Barstow II. 415 
 
 Beard v. White U. 506 
 
 Beardesley v. Baldwin I- 39 
 
 Beardsley v. Warner I. 237 ; II. 239, 
 
 242, 243, 244, 247 
 
 Beattie v. Lett II. 443 
 
 Beatty v. Clement II. 662 663 
 
 Beauchamp v. Cash I. 475 
 
 V Mudd II. 645 
 
 V. Parry II. 471 
 
 Beaumont v. Greathead I. 245 ; II. 217, 
 
 218 
 
 V. Reeve I. 214 
 
 Becher v. Jones II. 399 
 
 Beck V. Beck II. 650 
 
 V. Robley L 275 ; II 95, 215, 233 
 
 V. Searson 11- 640 
 
 V. Thompson I. 394, 596, 597, 61 1 
 
 Beckett V. Selover II. 645 
 
 Beckham v. Drake I. 103 
 
 V. Knight L 103 
 
 Berkley v. Munson I. 243 
 
 Beckwith V. Aiigell II. 120, 121, 137, 520 
 
 V. Corrall I. 258 ; II. 255, 256, 
 
 257, 259, 271 
 
 V. Farnum II. 41, 157, 163 
 
 ». Smith L 486, 510, 512, 518 
 
 V. Union Bank II. 614
 
 XXVI 
 
 INDEX TO CASES CITED. 
 
 Becknel v. Tournillon I. 497 
 
 Bedford v. Deakiii I. 135, 250; II. 154, 
 
 234, 246 
 
 V. Hickman I. 4S0 
 
 Bedford Com. Ins. Co. v. Covell I. 1)3 
 
 Bedingfield v. As-hley II. 413 
 
 Eedo i: Sanderson II. 406 
 
 Beebe v. Brooks I. 26S 
 
 V. Dudley I. 238 
 
 «. West Branch Bank II. 242, 244 
 
 Beech v. Jones II. 458 
 
 Beechinj,- r. Gower I. 440, 479; II. 72, 
 
 73, 85, 191 
 
 V. Westbrook II. 542 
 
 Beekman v. Connelly I. 601, 604, 619 
 
 V. "Wilson II. 455 
 
 Beeler v. Youny I. 68 
 
 Beeley v. Win<;tield I. 215 
 
 Beeraun v. Duck I. 321, 322 ; II. 482, 
 
 590, 591, 593 
 
 Bcesley ». Crawford II. 606 
 
 Betce V Bidgood II. 406, 525 
 
 Belcher v. Lloyd II. 618 
 
 I'. Smith II. 133, 136 
 
 Belden v. Lamb I. 490, 492 ; II. 429 
 
 Belknap v. Davis II. 590 
 
 Bell V. Banks I. 239 
 
 V. Bruen II. 324 
 
 r. Carey II. 605 
 
 V. Crawford II. 620, 654 
 
 V I)avid.son II. 460 
 
 i;. Davis II 617, 620 
 
 I". Frank is I. 617 
 
 V. Gardiner I. 202 
 
 r ILiKcrstown Bank 1.482,483,495 
 
 V. IIu<,';;ins I. 210 
 
 V. .Moore II 298, 301 
 
 r. Morehcad II. 30 
 
 V. Morrison II. 649, 651, 657 
 
 V. Mo.ss II. 178 
 
 V. Norwood II. 220, 456, 460. 488 
 
 V. Sackett I. 404 
 
 /-'. State Bank I. 483 
 
 V. Wthh II. 131 
 
 '•. Vouiif,' II. 298. 304, .305, 307 
 
 ]>< lliimy V. Min-joribanks II. 61, 65 
 
 Bfila^is r. Hester 1. 348,384 
 
 Brilcmirc ;•. Blink of I'nitcd Slalci I. 480 
 
 B.lliivic r. Bird I. 366, 449, 4.53 
 
 Bcllown ;•. Lovell I. 237; 11. 240 
 
 Belmont v. Coleman IT. 494 
 
 Bank v. Patterson 1. 361 
 
 Belshaw v. Bush II. 150, 154, 308 
 
 Beltzhoover ». Blackstock I. 189 ; II. 258, 
 
 275, 276 
 
 Bemis v. State II. 621 
 
 Benedict v. Caffe I. 446, 529, 563, 566 
 
 Benham v. Bishop I. 74, 75 
 
 V. Mornington II. 334 
 
 Benjamin v. Benjamin II. 210 
 
 V. McConnell L 243; IL 
 
 552, 562 
 
 Bennett v. Bevard II. 628 
 
 V. Dowling II. 466, 467 
 
 ». Farnell I. 32, 33 ; II. 50, 592 
 
 V. Herring II. 639 
 
 V. Pound II. 49, 449 
 
 V. Williamson II. 633 
 
 Renninn r. Dnvison II. 487 
 
 Bennison v. Jewison II. 332 
 
 Benoist v. Creditors I. 537, 538, 539, 582 
 
 Benson v. Drake II. 626 
 
 V. Marshal II. 472 
 
 V. Smith I. 208 
 
 V. White I. 427, 428 
 
 Bent V. Baker II. 465, 469, 471 
 
 Benthall v. Judkins II. 124 
 
 Bentinck v. Dorricn I. 291, 328, 329, 352 
 
 Buntley v. Bradley II. 513 
 
 17. Northouse II. 353, 357 
 
 Benton v. Gibson I. 378, 381, 382, 383, 
 
 520; II. 120 
 
 Bcrghaus v. Alter II. 228 
 
 Berkley v. Cannon I. 151 
 
 Berkshire Bank v. Jones I. 31 1, 432, 435, 
 
 436,437,580; 11.348 
 
 Bcrly V. Taylor 1. 300 
 
 Buiiard v. Barry II. 334, 499 
 
 V. Mullott II. 619 
 
 Berrien v. VVri<rht II. 338, 377, 379, 635 
 
 Berry v. Alderman I. 189 ; II. 493 
 
 V. Bates II. 528 
 
 V. Berry II. 565 
 
 V. Grirtin II. 1.53, 160, 162 
 
 V. Robinson I. 381, 520 
 
 V. Wisdom II. 536 
 
 Bertrand v. Barkman I. 189, 221,224,225 
 
 Bcsancon ?;. Shirley I. 47 
 
 Bcsant v. Cross II. 522 
 
 Best i;. Givens I. 72, 75
 
 INDEX TO CASES CITED. 
 
 Bestor r. Mielps 
 
 II. 484 
 
 ('. Wnlker 
 
 II. 244, 4S4 
 
 Bethiini v. Benson 
 
 II. 489 
 
 Bethiine v. Dozier 
 
 I. 239 
 
 V. McCrary 
 
 I. 191 
 
 Betsy iind Kho(]a, The 
 
 II. 172 
 
 Betts r. Guiin 
 
 II. 607 
 
 /'. Mitchell 
 
 I. 15.5 
 
 Bevan, Ex parte 
 
 II. 425 
 
 V. Eldrids^e 
 
 I. 412 
 
 V. Hill 
 
 11.84 
 
 V. Waters 
 
 II. 491 
 
 Beveridge v, Burgis 
 
 I. 492, 528 
 
 Beverley v. Lincoln Gas Light & 
 
 Coke Co. I. 163 
 
 Bibb ('. Peyton I. 622, 626 
 
 Bickerdike c. Bollinan I. 533, 534, 535, 536, 
 540, 543, 549, 551, 554, 6.30; II. 71, 498 
 Bickerton v. Binrell I. 118 
 
 Bickford r. First Bank II. 72 
 
 ('. Gihhs II. 125, 1.37 
 
 Bicknall v. Waterman II. 41, 102, 157, 
 
 163 
 
 Biery o. Haines II. 553 
 
 Bigelow V. Coilamore II. 24 
 
 V. Coltoa II. 123 
 
 V. Denison 1. 101 
 
 I'. Grannis I. 76 
 
 Bigg's Case I. 163 ; II. 18, 584 
 
 Biggs V. Dwight II. 226, 231 
 
 V. Lawrence I 321 
 
 Bignold, Ex parte I. 447, 610 
 
 V. Waterhouse I. 502 
 
 Bilbie n. Lumlcy I. 607 
 
 Biles V. Commonwealth II. 586 
 
 Bill V. Porter II. 154, 157, 218 
 
 Billing V. Devaux I. 285, 287, 289 ; II. 56 
 
 Billings V. Billings II. 507 
 
 V. Collins I. 256 
 
 u. Hall II. 631 
 
 V. Jane II. 48, 449 
 
 Billingsley v. Dean II. 414 
 
 Billingsly v. Bdlingsly II. 394 
 
 V. Cahoon II. 392 
 
 Billiot ». Robinson 11 622 
 
 Bingham v. Stanley I. 189 ; II. 283, 487 
 
 Binney o. Plumley II. 452 
 
 Binnington v. Wallis I. 214 
 
 Biiistead v. Buck II. 264 
 
 Birch V. Tebbutt II. 228 
 
 Bircher v. Payne 11. 528, 538 
 
 Birckhead r. Brown I. 298; II. 109, 134 
 
 Birclel)ack /'. Wilkins I. 228, 256; II. 519 
 
 Bird V. Adams II. 662 
 
 V. Caritat II. 327, 369 
 
 V. Gammon II. 652 
 
 V. LeBlanc I. 576, 578 
 
 V. McCalop I. 483, 498 
 
 V. McElvaine I. 303 
 
 V. Pierpont II. 361 
 
 Bir^ V. Moreau II. 330, 332 
 
 Birkett's Case II. 584, 586 
 
 Birkley v. Presgrave I. 251 
 
 Birley t'. Gladstone II. 169 
 
 Birt r. Kershaw II. 467 
 
 Bisbing v. Graham II. 298, 309 
 
 Biscoe ('. James II. 658 
 
 V. Jenkins II. 658 
 
 V. State II. 619 
 
 ;•. Stone II. 654 
 
 Bishop ('. Chambre II. 550, 568, 577 
 
 V. Church I. 25: 
 
 V. Dexter I. 381 , 382, 520 ; II. 504 
 
 V. Hayward II. 457, 459 
 
 V. Howe I. 329; II. 155, 234, 436 
 
 V. State II. 58a 
 
 V. Tucker II. 603 
 
 V. Williamson II. 315, 316 
 
 V. Yeazle II. 244 
 
 V. Young I. 3.50 
 
 Bissell V. Lewis II. 347 
 
 Bizzell ». Stone IL 611 
 
 Black V. Peele I. 325 
 
 V. Schooler II. 223 
 
 V. Smith II. 91 
 
 V. Whitall II. 607, 609 
 
 V. Zacharie II. 150, 154 
 
 Blackburn v. Jackson II. 648 
 
 Blackhurne, Ex parte 11.41, 86, 105, 155, 
 
 184, 185, 193 
 
 Blackhan v. Doren I. 534, 539, 546 ; II. 
 
 250 
 
 Blackie v. Bidding IL 295, 296, 310 
 
 Blackman v. Green I. 21 
 
 Blackstone Bank v. Hill L 241 ; II. 222, 
 
 225, 226, 230, 241. 533 
 
 Blade v. Nolan II. 290, 293, 303 
 
 Blair v. Bank of Tennessee I. 229, 310 ; 
 
 II. 560, 568 
 
 V. Williams II. 510
 
 XXVIU 
 
 INDEX TO CASES CITED, 
 
 Blake v. Beaumont I. 309, 42f) 
 
 V. Ciowninj^shield I. 385 
 
 V. Lawrence II. 394 
 
 V. :\IcMillan I. 363 
 
 V. Peck. I. 199 
 
 V. Sewcll II. 215 
 
 V. Wheailon I. 137 
 
 V. White I. 241 
 
 Blakely v. Grant I. 493; II. .53, 135, 485 
 
 Blakeniore v. Wood II. 513 
 
 Blaucliard v. Hilliard I. 369, 384 
 
 V. Russell II. 321,325, 326 
 
 327, 346, 359, 360, 361,382 
 
 V. Stevens I. 221, 223 
 
 V. Wood I. 579 
 
 Blauckenliagen v. Blundell I. 34 
 
 Blane v. Druniniond II. 373 
 
 Blaney v. Hendricks I. 393 
 
 Blankeiiship t'. Hoj^'ers I. 537,547; II. 71, 
 
 609 
 Blanton r. Kice 
 Blatchford v. jMilliken 
 Bleaden v. Charles 
 Blceker v. Hyde 
 Blesard v. Hirst 
 Blinn v. Chester 
 Bliss V. Covington 
 V. Houfihton 
 V. Negus 
 Blocker v. W'hiitenburg 
 Blodgett V. Durgin 
 
 V. Wadhams 
 
 Bloodgood V. Brucii II. 649, 6.50, 657, 661 
 
 r. llawthuin I. 537, 541 
 
 Blount V. Riley II. 472 
 
 V. Robeson II. 629 
 
 Bloxani t. Sanders II. 165 
 
 Bloxsorne r. Neale II. 230 
 
 Board, ICx parte II. 189 
 
 Board of Police, &c. v. Covington I. 240 
 
 Hoard man ». Gore II. 573 
 
 V. Paige I. 250 ; II. 253 
 
 V. Roger II. 436, 445, 455 
 
 V. Smith 
 
 BoMliiinri's Instiliiiiiii 
 
 JViImi v. Hanscll 
 
 liock V. Lannian 
 
 l{<Mldingt('n /'. S<hi(ii( 
 
 lltidenliuni ''. i'lirclnr 
 
 iJodger ». Arcli 
 
 II. 228 
 
 II. 120 
 
 II. 265. 293 
 
 II. 134 
 
 I. 337, 601 
 
 II. 225 
 
 II. 309 
 
 II. 333 
 
 I. 206 
 
 II. 375 
 
 I. 402 
 
 II. 427, 433 
 
 il< 
 
 land 
 
 11.611 
 
 I. 222 
 
 I. 74 
 
 II. 427 
 
 r II. (■,:,, 69, 72,85 
 
 II. 225, 229, 230 
 
 II. 656 
 
 Bodily V. Bellamy II. 394 
 
 Bodkii.s V. Taylor II. 469 
 
 Boehm v. Campbell I. 58 
 
 V. Sterling I. 262, 272, 531 ; II. 
 
 57, 58, 59, 79, 84 
 
 Boehme v. Carr I. 470 
 
 Boeka v. Nuella II. 49, 449 
 
 Bogert V. Hertell I. 156, 159 
 
 V. Vemiilya II. 657, 658 
 
 Boggs V. Lancaster Bank II. 43 
 
 Bogy V. Keil I. 530, 556 
 
 Bois V. Cranfield II. 223 
 
 Bolan V. Williamson II. 315 
 
 Bolinger e. Gordon II. 606 
 
 Bolitho, Ex parte I. 131 
 
 BoUand v. Bygrave I. 199 
 
 V. Nash 11. 613 
 
 Bolles V. Stearns II. 4, 584 
 
 Bolloiid's Case 11. 585 
 
 Bolton, Ex parte I. 299 
 
 V. Dugdale I. 38 
 
 V. Harrod I. 342, 345 ; II. 437, 
 
 454 
 
 V. Puller TI. 43 
 
 V. Reichard (1 Esp.) II. I5?i 
 
 V. Richard (6 T. R.) II. 99, 1 55, 195 
 
 Bom ley v. Frazier II. 372 
 
 Bonaff'e v. Woodberry II. 222 
 
 Hoiiar V. Macdonald I. 239 
 
 Bonaud v. Sorrel II. 605 
 
 Bonbonus, Ex parte I. 125 
 
 Bond V. Bragg 11.499 
 
 r. Central Bank I. 221 
 
 r. Farnham I. 446, 528, 537, 561, 
 
 563, 565, 566, 568 
 
 v. Fitzpatrick I. 275 ; II. 44, 472. 
 
 604 
 
 V. Jones II. 228 
 
 V. Kent II. 167 
 
 V. Morley II. 503 
 
 V. Storrs I. 236, 238, 310 ; II. 4.56 
 
 Bondurant v. Commercial Bank II. 434 
 
 V. Everett I. 483, 497 
 
 Bonncy v. Sccly 1. 243, 244 
 
 Boody '•. McKcnney II. 512 
 
 V. United States II. 228 
 
 Boon V. Murjjliy II. 168 
 
 I'.oDiic V. Poindcxter II. 4 16 
 
 HiKit V. Franklin I. 350, 440 
 
 Bootii V. Grove II. 480
 
 INDEX TO CASES CITKD. 
 
 XXIX 
 
 Booth V. Jiicobs 
 
 V. Smith 
 
 V. Wallace 
 Bordelon v. Weymouth 
 BorneiDan v. Sidlini'er 
 
 I. 017 
 II. IGO, 162 
 
 I. 29 
 
 II. 87 
 I. .54, 44C 
 
 B()rousj,h f. Perkins 1.642; II. .329 
 
 Borradaile v. Lowe I. 596, 599 
 
 Jiosan(|uet v. Aiiderson II. 479, 483, 
 
 485, 486, 590, 595 
 
 V. Corser I. 193 
 
 V. Diidman I. 199; II. 230, 
 
 455 
 
 *. Forster I. 193 
 
 V. Wray II. 224, 225, 228 
 
 Bosler v. Exchange Bank II. 611 
 
 Bosley v. Porter II. 222 
 
 Bossange v. Ross II. 427 
 
 Bossard v. White II. 640 
 
 Boston, The II. 170 
 
 Boston Bank v. Hodges I. 369, 370, 
 
 411, 414, 419 
 
 Boston H. M. Co. v. Messinger I. 239 
 
 Bostwick V. Dodge I. 221 
 
 Boswell ('. Clarksons II. 434 
 
 Boswell V. Smith II. 83 
 
 Bottomley v. Wilson II. 466 
 
 Bouchell V. Clary I. 70 
 
 Boucher v. Lawson II. 321, 330 
 
 Boulager v. Talleyrand I. 537 
 
 Bouldin V. Page II. 372 
 
 Boultbee v. Stubbs I. r)28 ; II. 240, 248 
 
 Boulton V. Welsh I. 4 68, 469 
 
 Boulware v. The Bunk II. 564 
 
 Bourg V. Bringier II. 467 
 
 Boutell V. Cowdin I. 177, 202 
 
 Boutwull V. Mason II. 223 
 
 Bovill V. Wood I. 247 
 
 Bowditch V. Green I. 246 
 
 Bowdre v. Hampton II. 657 
 
 Bowen v. Doggett I. 217 
 
 ». Hale 11.619 
 
 V. Mead I. 128 
 
 V. Newell I. 399, 400 ; II. 67, 68, 
 
 69, 70, 336. 3U 
 
 V. Stoddard I. 116, 6.50 
 
 Bower v. Tiermanii I. 239 
 
 Bowerl)ank v. Monteiro I. 301, 302 ; II. 
 
 145, 503, 536, 539 
 
 Bowers v. Hurd I. 177, 179 ; II. 53 
 
 V. Jewell II. 565, 570, 577 
 
 Bowes V. Howe I. 307, 446, 528; II. 
 
 98, 192 
 
 Bowie V. Duvall I. 310, 358; II. 442, 455 
 
 Bowker v. Harris II. 651 
 
 Bowles V. Klmore II. 643 
 
 V. Newby I. 206 
 
 Bowling V. Harrison I. 483 
 
 Bowman v. Downer II. 654 
 
 r. Nichol II. 568 
 
 V. Smith II. 286, 298 
 
 V. Wood II. 437, 444, 445 
 
 Bowne v. Hyde II. 466 
 
 V. Joy II. 390 
 
 Bowness, Ex parte II. 82 
 
 Bowser v. Bliss II. 535 
 
 Box's Case 1-35 
 
 Boxley v. Gayle 1 1- 652 
 
 Boyee v. Edwards I. 294, 298; II. 325, 
 
 341, 372, 376 
 
 V. Warburton II. 399 
 
 Boyd V. Brotberson II. 569 
 
 V. Cleveland I. .585, 593; II. 516 
 
 V. Cumniings I. 226 
 
 V. Emmersou II. 69, 77 
 
 V. Hitchcock II. 158, 15? 
 
 V. McCann I. 261 
 
 V. McConnell II. 574 
 
 ». Mclvor I. 188; II. 493 
 
 V. Plumb 1.140,233 
 
 Boydell v. Harkness I. 426 
 
 Boyle V. Arledge II. 305, 634 
 
 V. Skinner I. 132 
 
 V. Zacharie II. 326, 363 
 
 Boy Iston j\ Greene 11.215 
 
 Boynton v. Dyer II. 426 
 
 Bozeman v. State Bank 1. 247 
 
 Brahston v. Gibson I. 309, 325. 35f> 
 
 Brackcnridge v. Baltzcll II 647 
 
 ». Baxton 11.373 
 
 Brarkctt v. Mountfort II. 554 
 
 V. Norton II. 318 
 
 Bradford v. Bucknam II. 443 
 
 V. Cooper II. 396 
 
 V. Corey I. 579 
 
 V. Farrand II. 360 
 
 ». Hubbard I. 241 ; II. 239, 251 
 
 ■ V. Spyker II. 647, 660 
 
 Bradlee v. Boston Glass Co. I. 98, 100 
 
 Bradley v. Anderson II. 507 
 
 V. Bardslcv II. 580
 
 XXX 
 
 INDEX TO CASES CITED. 
 
 Brftilley v. Bentley 
 V. Gary 
 V. Davis 
 
 I. 51 ; II. 522 
 
 II. 140 
 
 I. 473, 484, 494, 496, 
 
 635; II. 495 
 
 I. 273; II. 68 
 
 II. 649 
 
 II. 89. 92 
 
 II. 294, 301, 306 
 
 I. 70 
 
 I. 335 
 
 II. 48, 449 
 
 II. 520 
 
 II. 622 
 
 II. 224, 225 
 
 II. 444 
 
 I. 43 
 
 I. 507 
 
 II. 651 
 
 I. 482, 504 
 
 II. 649 
 
 I. 627 
 
 I. .321 
 
 II. 605 
 
 I. 140 
 
 II. 414, 428 
 
 V. Delaplaine 
 V. Field 
 V. Hunt 
 V. Long 
 r. Pratt 
 V. Eoot 
 V. Trammel 
 I'. Phelps 
 Rradshaw v. Davis 
 Dr.tiy V. Hill 
 Bragij V. Greenleaf 
 Braham v. Bubb 
 
 V. Kagland 
 Brailsford i'. James 
 
 V. Williams 
 Brainard v. Buck 
 Braise r. Spalding 
 Braitliwaite '•. Gardiner 
 Brake v. Coming 
 Braiiiah v. Kolierts 
 Brainan v. Hess 
 Branch Bank of Montgomery v. Gatliiey 
 
 I. 268, 359, 372, 378, 382 
 V. Hodges I. 366 
 
 V. James I. 235 
 
 V. Peirce I. 493 
 
 of Alabama v. Windham 
 
 n. 644 
 
 at Mobile v. Tillman II. 
 
 291, 294, 297, 301 
 
 Brandao r. Barnett 11.114 
 
 Brandcr r. Pliillipp JJ. 232 
 
 Brandon v. Neshitt II. 8 
 
 Brandram v. Wliarton II. 656, 661 
 
 Brandt v. Foster II. 286 
 
 Brannin v. Henderson I. 283 
 
 Brarmock v. Bushincll II. 654 
 
 Brard v. Ackermari II. 4f,9 
 
 Bray t>. Butcs II. I7;j_ 174 
 
 r. Iladwcn 1.504,514,515 
 
 Bruynard v. FikIkji II. 604 
 
 V. Marshall II. 325, 342, 376 
 
 Brazier v. r>ryant II. 225 
 
 Breed v. Cook II. 152, 156, 183 
 
 r. Hillliouse 1. 596, 621, 623 ; 
 
 II. IV7 
 
 Breed v. Jur'd 
 Brcmbrid}i:e v. Osborne 
 Brent v. (.ook 
 V. Ii>rvin 
 Brenzer v, Wightman 
 Brett V. I.evett 
 V. Plarsh 
 V. Marston 
 Brewer v. Branch Bank 
 V. Brewer 
 V. Knapp 
 Brewster v. Arnold 
 V. Bours 
 V. Dana 
 V. Hardeman 
 V. Hobart 
 V. McCardel 
 
 I. 67 
 
 II. 220 
 
 II. 641 
 
 II. 298, 304 
 
 1. 268, 377, 519 
 
 I. 596, 618 
 
 II. 222 
 
 II. 118 
 
 II. 177 
 
 I. 25; II. 651 
 
 II. 225 
 
 I. 466, 471, 477 
 
 II. 153, 161 
 
 II. 519 
 
 II. 658 
 
 I. 105 
 
 I. 387 ; II. 27 
 
 r. Silence 1.44; II. 119, 129, 130 
 
 V. Wakefield II. 396 
 
 Breyfogle v. Beckley II. 393 
 
 Brian v. Tims II. 635 
 
 Bridge v. Gray II. 481 
 
 V.Hubbard 11.418,420 
 
 r. Johnson II. 604 
 
 Bridgejiort City Bank v. Wetcb I. 224 
 
 Briilgsr v. Heath II. 257, 272 
 
 Bridges v. Berry I. 329 ; II. 181 
 
 Bridgman v. Dean I. 196 
 
 Briggs V. Briggs II. 609 
 
 V. Lapham II. 542 
 
 V. Moore II. 606 
 
 V. Williams II. 227, 228 
 
 V. Wilson II. 645, 656, 660 
 
 Brigbam v. Bigelow II. 381, 384 
 
 V. Gurney II. 437, 443 
 
 V. Ilutchins II. 660 
 
 t;. Peters 1.92; 11.476,490 
 
 V. Wentwortli I. 239 
 
 Bright V. Hand I. 247 
 
 V. Judson I. 222 
 
 V. Purrior I. 350, 351 ; II. 463 
 
 Brighton Market Bank v. Pbilbrick I. 492 
 
 Brigstocke r. Smith II. 651 
 
 Brill V. Crick II. 542, 578 
 
 Briiiagar v. Phillips I. 240 
 
 Briiid ('. Bacon H- 467 
 
 V. Hampshire I- 49 
 
 Brindlcy v. Barr I. 482, 487 
 
 Briiiklcy v. Going I. 358; II. 220, 442 
 
 Briscoe v. Anketell 11. 631
 
 INDEX TO CASES CITED. 
 
 XXXI 
 
 Bristol V. Sprague I. 148 
 
 V. Warner I. 2?8 
 
 Bristow V. Sequeville 11. 330 
 
 British Linen Co. v. Drummoiid II. 326, 
 
 383, 384 
 Brittain v. Johnson I. 507 
 
 Britten v. Webb II. 4,'J7, 4.59 
 
 Broadhead v. Noyes II. 320, 327 
 
 Brock ». Jones II. 623 
 
 V. Thompson I. 378, 379, 383, 
 
 519; II. 428 
 Broikway v. Allen I. 94, 96, 97, 169 
 
 Broddie v. Johnson II. 650 
 
 V. Searcy I. 396 
 
 Brodie v. Howard II. 180 
 
 Brody v. Doherty II. 652, 655 
 
 Bromage v. Lloyd L 48, 159 ; II. 5 
 
 V. Vaughan I 474, 476 
 
 Bromwich v. Loyd I. 11 
 
 Bronaugh v. Scott II. 244 
 
 Brook V. Smith II. 388, 390 
 
 V. Wentworth II. 165 
 
 Brookes v. Chesley 11. 661 
 
 Brookhard v. Woodley II. 477 
 
 Brooklyn Bank v. Waring I. 596 
 
 Brookmim v. Metcalf L 223 
 
 Brooks t'. Elkins L 21, 25 
 
 V. Floyd II. 446 
 
 V. Mitchell I. 265, 271, 376, 379 ; 
 II. 79, 643 
 V. Stuart I. 247 ; II. 237, 508 
 
 V. White I. 245 
 
 Broom v. Batchelor II. 131 
 
 Broomhead, In re II. 632 
 
 Broughton v Fuller II. 560, 565 
 
 V. Manchester & S. Water- 
 Works Co. L 164, 166 
 V. West II. 559 
 
 B rower «. Peabody II. 116 
 
 Brown, Ex parte I. 252; II. 5 
 
 In re I. 271, 273, 547, 552, 553 ; 
 II. 56, 57, 59, 67, 68, 69, 71, 
 72, 74, 75, 78, 84, 250 
 V. Bebee II. 515 
 
 ». Brown II. 54, 446 
 
 c. Butchers', &c. Bank I. 22, 2f, 
 IL 16 
 * p. Byers IL 478 
 
 V. Clark L 145 ; IL 437 
 
 V. Collins II. 364 
 
 Brown v. Cronile I. 224 
 
 V. Curtiss I. 44; IL 1.32, 13S 
 
 r. Davies L 261, 275, 376; IL 59, 
 604 
 V. De Winton I. 18, 20 
 
 r. Durbin H. 96 
 
 r. Edes H. 639 
 
 r. Ferjiiison I. 57, 510, 514, 642 
 r. Oilman I. 33 ; II. 168 
 
 r. Gracey H. 3,34 
 
 r. Harraden I. 373, 391, 392 
 
 r. Harrison II. 407, 410 
 
 V. Hi!l II. 645 
 
 V. Hull IL 508 
 
 r. Hutchins II. 663 
 
 r. Jodrell (3 C. & P.) L 149, 150 
 V. Jones II. .549, 580 
 
 V. Reach II. 651 
 
 r. Kewley II. 41, 85, 105, 
 
 155, 159 
 V. Langley II. 508, 536 
 
 V. Leavitt L 221 ; IL 645 
 
 ». Lull IL172 
 
 r. Lusk L 552, 555, 601 ; II. 59, 
 67, 68, 69, 70, 71 
 V. Maffey L 538, 539, 556 ; IL498 
 V. Maine Bank II. 51 
 
 V. Marsh I. 248 
 
 V. Merrick II. 646 
 
 V. Messiter II. 296, 309 
 
 V. Mott L 184, 191 ; II. 27, 250 
 V. Nevitt IL 406 
 
 V. Newell I. 400 
 
 V. Noyes I. 309 
 
 V. Philpot I. 1 88 ; II. 493 
 
 V. Pinkham II. 544, 582 
 
 n Podgett I. 215 
 
 V. Richardson L 14; II. 320 
 
 V. Rivers IL 218 
 
 V. Saul IL 91, 189, 620 
 
 V. Scott I 224 
 
 V. State Bank II. 649 
 
 V. Stewart II. 630 
 
 V. Taber IL 28, 29, 275 
 
 V. Tarkington I. 213 
 
 V. Turner I. 362, 510 
 
 V. Van Braum I. 654 
 
 V. Wakefield II. 655 
 
 V. Waters II. 406, 419, 420 
 
 Browne v. Carr II. 240, 247
 
 INDEX TO CASES CITED. 
 
 Browne v. Coit I. 302, 305 
 
 V. Joddrell (Moody & M) II. 6 
 
 V. Lee II. 2.54 
 
 V. Murray 1. 186 
 
 T. Robinson II. 608 
 
 Brownell v. Bonney I. 614, 618 
 
 Browning v. Kinnear I. 527 
 
 Bruce r. Bruce II. 37, 38, 589, 600, 601 
 
 V. Flagg II. 634 
 
 V. Lytle I. 446, 450, 529, 563, 571, 
 
 574, 575, 582, 586, 596, 621, 626 
 
 V. Westcott I. 276 ; II. 562, 563, 
 
 565 
 
 Brunson v. Napier I. 570 
 
 Brush T. Scribner I. 221 ; II. 43, 278 
 
 Brutt V. Picard II. 570 
 
 Bryan v. Berry I. 233, 238 
 
 V. Ware II. 640 
 
 V. Weems II. 645 
 
 Bryant v. Christie I. 216 
 
 V. Clifford II. 605, 607 
 
 V. D;iiniiriscotta Bank II. 88 
 
 V. F^astman I. 172; II. 17 
 
 V. Edson I. 399 ; II. 333, 336, 351 
 
 V Ritterbush II. 95, 467. 470 
 
 T. Smith II. 237 
 
 Brydcn v. Bryden I. 508 
 
 V. Taylor I. 634, 63.t 
 
 Bubier v. Pulsifer II. 420, 469, 470 
 
 Buchanan v. Bordley I. 237 
 
 V. Findlay II. 27 
 
 r. Mar.shall I. 580 ; II. 348 
 
 Buclier ». Jainitt 11. 292 
 
 Buck i;. Appicton I. 393 ; II. 470, 521, 
 
 556, 565 
 
 V. Cotton I. 529, 533, 556 
 
 V. Kent II 293 
 
 Buckingham v. McLean II. 433 
 
 V. Sinith II. 651 
 
 liurkiaiid V Tankard II. 467,471 
 
 Buckler V. Buttivant 1.199 
 
 V. Moor II. 155 
 
 Buckhy, Kx parte. In re Clarke I. 130, 247 
 
 V. Barber I. 144 
 
 V. Beardslec II. 128 
 
 V. Bentley I, 576 
 
 '•. (Miildlmnk II. 412 
 
 BiKkliti r. For.l II. CMC, v^-l, 645 
 
 Btickmaster v. Mciklcjnhn fl. 619 
 
 HiirkiiMin r. 'nudiipidii I [. C.'M 
 
 Buckner v. Calcote II. 640 
 
 V. Finley I. 57, 642 ; II. 322, 323, 
 
 324 
 
 T. Greenwood II. 35 
 
 V. Lee I. 132, 133 
 
 V. Real Estate Bank II. 448 
 
 V. Thompson 11. 616 
 
 Buddington v. Stewart II. 170 
 
 Buell ». Sliethar 11.361 
 
 Buffington v. Gerrish II. 207 
 
 Buffum V. Cliadwick II. 449 
 
 V. Deane II. 618 
 
 Bulger V. Roche II. 318, 321, 383 
 
 Bulkeley v. Butler II. 480, 481 
 
 Bull V. Allen I. 235, 237 
 
 ». Bliss 11.119 
 
 Bullardr. Bell IL 189 
 
 V. Dorsey II. 609 
 
 V. Randall II. 59, 61 
 
 V. Wilson IL 453, 496 
 
 BuUen ». McGilHcuddy II. 160,218 
 
 Bailer ». Crips 1. 10, 1 1, 12 ; II. 328 
 
 Bullet V. Bank of Pa. I. 231 ; II. 100, 298, 
 
 312 
 
 Bulloch V. Smith II. 651, 652 
 
 Bullock V. Campbell IL 638 
 
 V. Dunbar II. 609 
 
 V. Lloyd II. 487 
 
 r. Ogburn I. 202 
 
 Bullpin V. Clarke I. 79 
 
 Bult V. Morrell I. 140 
 
 Bumgardner v. Taylor II. 662 
 
 Bumpass v. Timms I. 49, 276, 387 
 
 Bunker v. Atheani II. 659 
 
 Bunnell v. Butler IL 617 
 
 Buiiney v. Poyntz II. 166 
 
 Burbank ». Beach I. 646 
 
 Burbridge v. Manners I. 417, 516 ; II. 215 
 
 Burchell v. Slocock 1. 227 
 
 Burciifield v. Moore II. 548 
 
 Burckmyer v. VVIiiteford I. 515 
 
 Burden v. Halton II. 151, 308, 436, 443 
 
 Burdick v. Green II. 160, 365, 439 
 
 Burdon v. Benton I. 199 
 
 Barge v. Dishman II. 510, 530 
 
 ^urgess V. Chapin II. 41, 157, 163 
 
 V. Cuttill II. 466 
 
 V. Merrill L 77 ; 11. «I58 
 
 V. Vreeland I. 471, 472, 511, 512, 
 
 518
 
 INDEX TO CASES CITED. 
 
 XXXIU 
 
 Hurgh V. Legfre I. 587, 592, 614, 629 
 
 Burgwin v. Babcock II. 609 
 
 Bulk V. Howard II. 661 
 
 Burke's Case (6 Ves.) II. 248 
 
 Burke's Case (Russ. & R.) II. 584 
 
 Burke r. Allen I. 71, 151 ; II. 6 
 
 V. Clarke II. 179 
 
 V. Cruger I. 235, 245 
 
 V. Jones 11. 629 
 
 V. McKay I. 506, 63.3, 642, 643, 
 
 645 
 
 Burkett v. Moses II. 603 
 
 Burkitt V. Ransom I. 195 
 
 Burleigh v. Stott II. 658, 659, 660 
 
 Burlington County Bank v. Miller II. 80 
 
 Burmester v. Barron I. 486, 490 
 
 Burn V. Boulton II. 653, 654 
 
 V. Burn I. 251 
 
 V. Carvalho I. 336 
 
 V. Morris II. 264, 266, 267 
 
 V. Poaug I. 237 ; II. 246 
 
 Bumell V. Minot I. 250 
 
 Burnet v. Bryan II. 644, 645 
 
 Burnham ». Allen I. 28, 375 ; II. 493, 494 
 
 r. Ayre II. 568, 577 
 
 V. Gallentine II. 118 
 
 V. Webster I. 255, 579. 580 ; 
 
 II. 9 
 
 V. Wood I. 255 ; II. 910 
 
 Burnley v. Sharp II. 641 
 
 Burns V. Hill II. 606 
 
 V. Tallon IT. 286 
 
 ;; Taylor II. 167 
 
 Burr V. Burr II. 649, 651 
 
 V. Smith II. 216 
 
 Burrall v. Rice II. 364 
 
 Bunidge v. Geauga Bank II. 93, 286, 305, 
 
 306 
 
 V. Manners I. 230; II. 213 
 
 Burrill V. Smith I. 366, 444 ; II. 2:i9, 589 
 
 Burrough v. Moss I. 88 ; II 446, 447, 
 
 604, 615 
 
 Burroughs v. Bloomer II. 636 
 
 Burrows v. Hannegan I. 442, 4")5, 571, 595 
 
 V. Jemino I. 328 ; il. 319, 342, 
 
 376 
 
 V. Stoddard II 565 
 
 Burson v. Huntington II. 602 
 
 Burt V. Horr.er II. 141 
 
 V. Palmer II. 661 
 
 Vol. I.— C 
 
 Burton's Case 
 Burton, Ex parte 
 V. Dees 
 V. Issitt 
 r. Payne 
 V. Pressly 
 V. Souter 
 V. Stevens 
 V. Wharton 
 Bury V. Hartman 
 Busby V. Vinn 
 Bush V Barnard 
 V. Kin near 
 V. Livingston 
 
 II 413, 414 
 
 II. 359, 360, 363 
 
 II. 306, 453 
 
 I. 147 
 
 II. 84, 292 
 
 II. 577 
 
 1.12 
 
 II. 648 
 
 II. 648, 649 
 
 11.36 
 
 II. 412 
 
 II. 649 
 
 I. 427 
 
 II. 415, 431 
 
 V. Peckard I. 221 ; II. 45, 493 
 
 Bushby V. Camac II. 372 
 
 Bussard v. Levering I. 401, 478, 515 ; 
 
 II. 492 
 
 Butler V. Hamilton II. 246 
 
 V. Kimball I. 413 ; II. 46'2 
 
 V. Paine I. 46 
 
 r. Robertson II. 443 
 
 V. State I. 588 
 
 r. Stocking I. 140, 142 
 
 V. Winters II. 638, 649 
 
 V Wright II. 495 
 
 Butterfield v. Jacobs II. 649, 652 
 
 y. Kidder IL 417, 525 
 
 V. Kinzie L 310 
 
 Bntterworth v. Despeneer I. 427, 428 
 
 V. Peck II. 60 
 
 Button V. Downham II. 413 
 
 Butts V. Dean IL 151, 152, 163 
 
 Buxton V. Jones I. 366, 457 
 
 Buzzell V. Snell II. 376 
 
 Bynner v. Russell I. 41C 
 
 Bynum v. Rogers II. 428 
 
 Byram v. Hunter I. 595, ."^97 
 
 Byrd v. Bertrand II 48; 
 
 V. Byrd IL 646 
 
 Byrom v. Thompson II. 577 
 
 Cabot V. Given IL 478, 485 
 
 Rank v. Morton IL 37, 186, 187 
 
 485, 486, 590, 600 
 
 V Russell I. 497
 
 XXXIV 
 
 INDEX TO CASES CITED. 
 
 Cady V. Commonwealth II. 588 
 
 Cain V. Spann I. 255 
 
 Calder v. Billington II. 53 
 
 Caldwell v. Cassidy I. 309, 310, 430 ; 
 
 II. 88, 98 
 
 V. Ferrill II. 648 
 
 V. May II. 524 
 
 V. Rodman II. 643 
 
 V. Sigourney II. 658 
 
 V. Stileman I. 144 
 
 V. Wentworth II. 226, 228 
 
 Calhonn v. Davis II. 509 
 
 Calisto, The II. 170 
 
 Call V. Lothrop II. 621 
 
 t'. Scott II. 414 
 
 Callaghan v. Aylett I. 307 
 
 Callow V. Lawrence II. 219, 233. 568 
 
 Calton V. Bragg II. 395 
 
 Calvert v. Baker II 580 
 
 Camden v. Doremus II. 141, 142 
 
 V. McKoy II. 120, 125, 519 
 
 Came v. Brigham I. 164 
 
 Cameron v. Smith II. 394, 395, 396, 397 
 
 Cai.:idge v. AUenby II. 41, 71, 94, 97, 103, 
 
 .05, 156, 158. 181, 182, 183, 184, 191 
 
 Cammack v. Griffin II. 162 
 
 Cammcr v. Harrison I. 375, 407 
 
 Camp I'. Bates II. 424 
 
 V. Lock wood 11.318 
 
 V. Scott I. 264 
 
 V. Tompkins I. 50 
 
 V. Walker II. 472 
 
 Camparree v. Brockway II. 121 
 
 Camobell v. Brown I. 248 
 
 V. Butler II. 120 
 
 V. Carman L 268 
 
 V. Hays IL 616 
 
 V. Hodgson II. 225, 506 
 
 V. Humphries II. 220, 455 
 
 V. Knapp II. 125 
 
 V. Mississippi Union Bunk 
 
 II. 107 
 
 V. Nichols II, 429 
 
 V. I'ettcngill L 303, 54.1, 545 
 
 V. Head IL 431 
 
 V. Kohhins II. 21 
 
 V. Touscy II. 374 
 
 V. ITpshnw 11. 513 
 
 V. Wclwter I. i;il, 01 C 
 
 Cnn »■. I{ca<l II. 82, 83 
 
 Canal Bank v. Bank of Albany I. 275, 320, 
 
 321, 322; IL 38, 284, 483, 485, 590, 
 
 596, 599 
 
 Canfield v. Gibson II. 9 
 
 V. Ives I. 246 
 
 V. Vaughan II. i36 
 
 Cannam v. Farmer I. 78 
 
 Cannan v. Bryce I. 214 
 
 Cannon v. Beggs IL 393 
 
 Cape Fear Bank v. Stineraetz I. 57 
 
 Capen v. Alden II. 228, 2.30 
 
 Capp V. Lancaster II. 643 
 
 Capper ??. Spottiswoode 11.167 
 
 Capron v. Johnson II. 364 
 
 Carey v. Greene II. 107 
 
 V. McDougald I. 26 
 
 V. Pitt II. 476 
 
 Cargo of the Ship Anna Kimball II. 169 
 
 Cariss v. Tattersall II. 563, 577 
 
 Carlan v. Ireland II. 65 
 
 Carley v. Vance I. 309, 432 
 
 Carlisle D.Davis IL 301 
 
 V. Hill IL 427 
 
 V. Moms II. 655 
 
 V. Rich I. 244 
 
 V. Wishart L 221 
 
 Carll V. Brown I. 264 
 
 V. Hart II. 6.58 
 
 Carlon v. Ireland II. 586 
 
 V. Kenealy I. 374, 407 
 
 Carlos V. Fancourt I. 45 
 
 Carlton v. Bailey I. 264, 377 
 
 Carlton v. Ludlow Woollen Mill II. 657, 
 
 658, 660 
 Carman v. Garrison II. 608 
 
 Oarmichael v. Bank of Pa. I. 337, 348, 
 
 591, 641 
 
 Came v. Legh I. 252 
 
 Carncal r. Thompson II. (535 
 
 Carnegie V. Morrison I. 249,291,294,296; 
 
 II. 62, 109, 134, 31S, .-^21, 338 
 
 ('ar|)enter v. King I. 235, 246 
 
 V. McClure IL 207 
 
 V. Oaks IL 121 
 
 V. Reynolds I. 578 
 
 V. Wells II. 635 
 
 Carr v. Carr II. 61 
 
 V. Eastabrooko II. 236 
 
 V. Howard I. 237 
 
 V. Ijc Fevre II. 33, 115, 116
 
 INDEX TO CASES CITED. 
 
 XXXV 
 
 Ciirr V. Rowland 
 
 
 II. 
 
 120,12,5 
 
 V. Shaw 
 
 
 II. 
 
 353, 355 
 
 V. Stephens 
 
 
 
 II. .536 
 
 Carrierc v. Ticknor 
 
 
 
 II. 617 
 
 Carroll v. Upton 
 
 
 I. 
 
 490, 492 
 
 V. Van Rensselaer 
 
 
 II. 167 
 
 V. Waters 
 
 
 
 11.179 
 
 V. Weld 
 
 II. 
 
 120, 
 
 121, 519 
 
 CarroUton Bank v. Tay 
 
 eur 
 
 I. 
 
 294, 298 
 
 Carroway ». Cox 
 
 
 
 II. 461 
 
 Canuth V. Paige 
 
 
 
 II. 6.50 
 
 Carruthers v. West 
 
 
 
 II. 29 
 
 Carshore v. Huyck 
 
 
 
 II. 601 
 
 Carson v. Bank of Alab 
 
 ama 
 
 
 I. 483 
 
 V. State Bank 
 
 I. 
 
 496 
 
 ; II. 496 
 
 Carstairs, Ex parte 
 
 I 
 
 241 
 
 ; II. 248 
 
 V. Rolleston 
 
 I. 
 
 326 
 
 : II. 249 
 
 V. Stein 
 
 
 II. 
 
 407, 410 
 
 Carter v. Bennett 
 
 
 
 II. 629 
 
 V. Bradley 
 
 I. 
 
 475, 
 
 476, 499 
 
 V. Burley I. 57, 511, 513, 514, 517, 
 
 595, 601, 620, 621, 622, 634, 
 
 635, 640, 642, 643, ; II. 325, 
 
 329, 497, 499 
 
 r. Carter I. 251 
 
 V. Cross II. 649 
 
 V. Flower I. 266, 344, 534, 550, 
 
 554, 557, 560, 575 ; II. 72 
 
 V. Hamilton II. 506 
 
 v. James II. 487 
 
 V. Smith I. 309 
 
 V. Union Bank I. 495, 640, 641, 642 
 
 r. Vaulx 
 Carteret v. Paschal 
 Cartier v. Page 
 Cartwright v. Cooke 
 V. Gardner 
 V. Williams 
 Caruth r. Thompson 
 Carver v. Warren 
 Carvick v. Vickery 
 Gary v. Campbell 
 
 V. Gcriisli 
 Casborne v. Button 
 Casco, The Brig 
 Case T. HeflFiier 
 
 II. 301 
 II. 45 
 II. 381 
 II. 217 
 II. 448 
 it. 28, 32 
 
 I. 279 
 I, 37 ; II. 118 
 
 I. 321 ; 11. 4, 477 
 II. 305 
 
 II. 84 
 I. 24, 25 
 
 II. 170 
 I. 660 
 
 V. Morris I. 534, 537, 552 ; II. 71 
 
 V. Spalding II. 519 
 
 Cash V. KVMinion I. 664 ; II. 370, 376 
 
 V. Taylor I. 92, 101 
 
 Cassel V. Dows II. 564 
 
 Castle V. Candee I. 377 ; II. 122, 139, 519 
 Castrique v. Bernabo I. 412, 417; 
 
 II. 462 
 
 Cathell V. Goodwin I. 89, 443, 537. 538, 
 
 549; II. 71 
 
 Catherwood v. Chabaud I. 156, 157 ; 
 
 II. 446 
 
 Catlin V. Gunter II. 414, 427 
 
 V. Hansen I. 189 
 
 V. Lyman II. 424 
 
 V. Marsh II. 424 
 
 Caton V. Shaw II. 409, 434 
 
 Cator's Case II. 477 
 
 Catskill Bank v. Messenger I. 248 
 
 V. Stall I. 125, 497 
 
 Catton r. Simpson II. 557 
 
 Caunt V. Thompson I. 364, 471, 477, 
 
 526, 629 
 
 Cave V. Hall II. 154 
 
 V. Webb II. 607 
 
 Cawley v. Furnell II. 650, 651 
 
 Cayuga Co. Bank v. Bennett I. 482, 
 
 501, .502 
 
 V. Dill I. 593 
 
 V. Hnnt I. 362, 418, 
 
 420. 421, 636. 644 ; II. 4.33 
 
 V. Warden I. 471, 
 
 473, 475, 476, 477 ; II. .348 
 
 C.nzet V. Field II. G26 
 
 Cecil V. Mix II. 120 
 
 Central Bank v. Allen I. 393, 404, 438, 
 
 451 ; 11. 491 
 
 V. Curtis II. 454 
 
 V Davis I. 369, 610 
 
 V. Willard II. 242, 531, 
 
 538, 539, 540, 541 
 
 of Brooklyn v. Lang II. 449 
 
 Certain Logs of Mahogany II. 169 
 
 Chadhourn v. Watts II. 418, 420 
 
 Chadwick v. Allen I. 24, 31 
 
 V. Jeffers L 378, 382, 383, 520 
 
 Chalmers v. Harris H. 38 
 
 V. Lanion Jfl 604 
 
 Chamberlain r. Gorham II. 290, 298, 305 
 
 V. Hopps L 48 
 
 V. Townsend II. 427 
 
 Chamberlyn v. Delarive I. 337 ; IL 154 
 
 Ciuimbers v. Games H- 619 
 
 r. Garland II. 628, 649, 650
 
 .\XXV1 
 
 INDEX TO CASES CITED. 
 
 Chiiiiibers v. Hunt 
 
 V. McDowell 
 V. Murks 
 V. Miller 
 V. Walker 
 Champant v. Ranelagh 
 Champion v. Griffith 
 V. Terry 
 
 Champlin v. Butler 
 Chancy v. Baldwin 
 Chander v. Sterling 
 Chandler v. Herrick 
 V. Lawrence 
 V. Marsh 
 V. Mason 
 V. Morton 
 V. Parkes 
 Chaney v. Baldwin 
 Channell v. Ditchbum 
 Chanoine v. Fowler 
 Chapcott V. Curlewis 
 Chaplin v. Levy 
 Chapman v. Annett 
 V. Black 
 
 V. Durant 
 V. Eddy 
 V. Hiden 
 V. Keane 
 V. Lipscombe 
 
 IL 287 
 IL 160 
 IL 647 
 n. 80 
 IL 663 
 II. 324 
 II. 121 
 II. 151, 154, 294, 
 295, 296, 307 
 II. 235 
 II. 302 
 I 508 
 II. 5.32 
 II. 478, 662 
 I. 210 
 I. 444, 559 ; II. 469 
 IL 469 
 L 77 
 II. 298, 299 
 IL 6.59 
 I. 504, 634 
 I. 490 
 
 L 217 
 
 V. Robertson 
 
 II. 286 
 
 I. 615 
 
 II. 418, 
 
 420, 431 
 
 IL 151 
 
 I. 204 
 
 IL 466 
 
 I. 503, 504 
 
 L 478, 491 ; 
 
 IL 492 
 
 IL 319, 337, 
 
 338, 376, 380 
 
 II. 629 
 
 II. 171 
 
 IL 166 
 
 V. Schroeder 
 
 V. Steinmetz 
 
 T. Tanner 
 
 B.White 1.290; II. 59.60, 61 
 Chappel, Ex parte I 500 
 
 Chappell i- Spencer II. 556, 558 
 
 Cliiip|)li; V Din-Kton II. 631 
 
 Charles v. Marsden I. 326; II. 29 
 
 Charlotte, Steamboat, v. Hammond 
 
 IL 154, 160, 162, 176, 218 
 Charlotte, Steamboat, v. Lumm II. 151 
 (;hard o. Vox I. 471 
 
 (.'hiirnley » Dulles I. 26 
 
 V. Grundy IL 28.'^, 289, 310, .'51 1 
 (Jharritit,'ioii r. Mihier 1! 467 
 
 Chartrcs v. Cairncs H. 31 S, :ViS, 375 
 
 Chase v. Kendall 
 V. Redding 
 V. Strain 
 V. Taylor 
 T. Westmore 
 V. Weston 
 
 L 148 
 
 II. .54 
 
 II. 615 
 
 L 634 ; II. 497 
 
 IL 165 
 
 I. 210 
 
 Chastain v. Johnson II. 1 54, 1 61 , 205, 21 8 
 Chat V. Edgar I. 11 
 
 Chaters v. Bell I. 643, 644 : IL 485 
 
 Chatfield v. Paxton I. 607, 608 
 
 Chaudron v. Hunt II. 290, 291, 293, 
 295, 297, 298, 309 
 Chautauque Bank v. Davis I. 358 ; II. 442 
 Chazournes v. Edwards I. 126, 128, 132 
 Cheap V. Harley II. 212 
 
 Cheek v. Roper I. 349 
 
 Cheetham ». Ward I. 162, 247, 248; 
 
 IL 237 
 Cheever v. Smith II. 179 
 
 Chenot p. Lefevre II. 381, 592 
 
 Clicnowith V. Chamber'in I. 57, 140, 
 
 641, 642 
 
 Cheshire v. Barrett I. 67, 73, 75 
 
 Chesley v. Frost II. 576 
 
 Chesmer v. Noyes I. 635 ; II. 497 
 
 Chester v. Dorr II. 29 
 
 Chesterfield v. Janssen II. 406, 413 
 
 Chettle V. Pound II. 577 
 
 Chevalier ?>. Lynch II. 387, 390 
 
 Chevallier v. Buford I. 47 
 
 V. Durst II. 646 
 
 V. State 11. 619 
 
 Chew 17. Bank of Baltimoie I. 89 
 
 Chewning v. Gatewood I. 470 
 
 V. Singleton IL 297, 305 
 
 Chick V. Pillsbiiry L 510, 511, 512 
 
 V. Trevett I. 98 
 
 Chicopee Bank r. Eager 1. 4 83 
 
 V. Chapin I. 191, 221, 
 
 223; II. 44 
 
 V. Philadelphia Hank 
 
 I. 4.S6 
 
 Childers v. Boulnois I. 25 
 
 V. Deane II. 412, 423 
 
 Childress v. Stuart I. 46 
 
 Chihl V. McKean IL 493 
 
 Childs V. Barnuni II. 126 
 
 V. Monins I. Ifil, 195, 198; IL 6 
 
 V. Wyniaii II. 121, 122, 125 
 
 Cliillijiiiworth ('. C'liilliii;j,«orlJi 11. 413
 
 INDEX TO CASES CITKD, 
 
 XXXVll 
 
 Chilton V. Robbins I. 241 
 
 V. Whiffin II. 2U, 487 
 
 Chinn v. Haniiltoi: II. 394, 395, 39f- 
 
 Chippindale v. 'riiurstoii II. 410 
 
 Chisholm's Case II. 586 
 
 Chittenden v. Ensign JI. 54 1 
 
 Chitty V. Naish II. 222, 225 
 
 Cholmeley v. Darley II. .539 
 
 Chouteau v. Burlando II. 632 
 
 V. Jones I. 244 
 
 V. Merry I. 85 
 
 V. Webster I. 489, 495, 498 
 
 Christie, Ex parte I. 130 
 
 V. Fonsick II. G43 
 
 V. Pearl I. 289 
 
 V. Lewis II. 169 
 
 Christmas v. Fluker I. 501 
 
 Christophers v. Garr II. 634 
 
 Chubb V. Hutson I. 215 
 
 Church V. Barlow I. 229, 326, 515; 11. 250 
 
 V. Clark I. 411,414,419; II. 461 
 
 V. Flowers II. 298, 309 
 
 V. Imperial Gas Lij^lit & Coke 
 
 Co. I. 163 
 
 V. Tonilinson II. 420 
 
 Churchill v. Suter II. 418, 426, 468 
 
 Chusan, Bark II. 171, 175, 180, 365 
 
 Chute V. Pattee I. 239, 241 ; II. 135 
 
 Citizens' Bank v. Walker I. 498 
 
 V. Payne I. 222 
 
 City Bank v. Cutter I. 369, 370,399, 402, 
 
 403,411,643; II. 213,462 
 
 of New Orleans v. Giraril 
 
 Bank I. 651 
 
 C;iaflin V. Griffin I. 321 
 
 Clampitt V. Newport I. 156 
 
 Clap V. Day II. 449 
 
 Clapp V. County of Cedar II. 33, 35 
 
 V. Hanson II. 415, 469 
 
 V. Ingersol II. 662 
 
 r. Rice 11.123 
 
 Claremont Bank v. Wood I. 235 ; II. 250 
 
 Claridge v. Dalton I. 534, 535, 538, 540 ; 
 
 II. 241, 242, 250, 498 
 
 V. Klett II. 620 
 
 Clark, Ex parte II. 233 
 
 V. Alexander IT. 397, 653, 657. f>58 
 
 Clark r. Atkinson II. 654, 66'^ 
 
 r. Badgley 11.417 
 
 V. Baker If 489 
 
 d 
 
 Clark V. Boyd 1. 48, 160 
 
 V. Commonwealth II. 588 
 
 r. Devlin II. 239, 240, 242, 
 
 243, 249 
 
 V. Draper II. 165 
 
 V. Eckstein II. 577 
 
 V. Eldridge I. 471 
 
 V. Ely I. 222, 224 
 
 V. Farmers' Manuf. Co. I. 26 ; 
 
 11.35 
 
 V. Hill I. 238, 242 
 
 V. Hooper II. 656, 662 
 
 V. Jones II. 637 
 
 V. Loomis I. 276 ; II. 427 
 
 V. Merriam II. 120, 121, 124, 
 
 137, 139 
 
 r. Minton I. 447, 530 
 
 V. MuUenix II. 623 
 
 r. Mundal II. 154 
 
 ». Reed II. 301 
 
 r. Ricker I. 196, 215, 279 
 
 t'. Rogers II 577 
 
 V. Russel I 198 
 
 V. Sigourney I. 48, 50, 159 ; II. 
 
 656, 657 
 
 r. Sisson II. 427 
 
 V. Stackhouse II. 73 
 
 V. Young II. 153, 155, 348 
 
 Clarke, In the Matter of I. 247 
 
 V. Adair I. 333, 335 
 
 V. Clement II. 234 
 
 V. Cock I. 281, 285, 287, 293 
 
 V. Cross II. 637 
 
 r. Cuckfield Union I. 163 
 
 V. Dutcher II. 651 
 
 r. Gordon I. 310, 312 
 
 V. Hawkins II. 614 
 
 V. Jenkins II. 659 
 
 c. Johnson II. 266 
 
 V. Marriott II. 642 
 
 V. Percival I. 38, 43 
 
 V. Quince II. 293, 309 
 
 V. Sharpe I. 486 
 
 V. Shee II. 110, 266, 267, 280 
 
 V. State II. 586 
 
 V. Wilson II. 247 
 
 Clarkson v. Gariand II. 406. 416 
 
 Clason V. Bailej I. 22, 37 
 
 Clavey v. Dolbin I. 284 
 
 Clawson V. Gustin II. 56'
 
 xxxvm 
 
 INDEX TO CASES CITED. 
 
 Claxton V. Swift II. 25, 232, 247, 457 
 
 Clay ». Cottrell " I. 124, 126,275 
 
 7J. Crowe 11.289,291,292,295, 
 
 296 
 
 V. Hopkins I. 660 
 
 V. Oaiviey I. 482, 500 
 
 V. Smith II. 363 
 
 Clayton's Case II. 225, 230. 413 
 
 Clayton v. Gosling I. 39, 194 ; II. 644 
 
 V. Phipps I. 622 
 
 Cleaveland ». Stewart I. 169; II. 51.8 
 
 Clegg, E.X parte II. 613 
 
 V. Cotton I. 528, 533, 534 
 
 iJ. Levy 11.318,330 
 
 Clement v. Leverett I. 225 ; II. 43 
 
 V. Reppard I. 178 
 
 Clements v. Brown II. 634 
 
 Clerk V. Blackstock I. 251 ; II. 557, 
 
 560 
 
 V. Mundall II. 41, 156 
 
 Clerke v. Martin I. 1 2 
 
 Clermont v. TuUidge II. 476 
 
 Cleve V. Jones II. 653 
 
 V. Mills n. 387, 390 
 
 Cleveland v. Covington I. 243 
 
 V. Loder II. 409 
 
 V. Worrell II. 290, 304 
 
 Clifford V. Parker II. 550, 573. 577, 
 
 578, 579 
 
 Cline c. Miller I. 207 
 
 Clinton Bank v. Ayres II. 444 
 
 Clippinger v. Creps I. 241 ; II. 245 
 
 V. Hepbaugh I. 214 
 
 Cloder. Bay ley I. 515 
 
 Cloppcr V. Union Bank I. 229, 326, 537, 
 
 558 ; II. 250 
 
 Closson ». Stearns I. 22; II. 16 
 
 Clough V. Bond II. 83 
 
 V. Clough II. 624 
 
 V. Davis I. 49 
 
 V. J^atrick I. 207 
 
 fMoii.ston V. J{arl)icro II. 121 
 
 Clugas V. I'ctiiilnna II. 321, 330 
 
 CluUi v. Small I. 276; II. 563, 570, 573 
 
 Oil.l) r. IM.tia II. 252 
 
 V. O'Neal II. 502 
 
 V. Page I. 199 
 
 r. Titus H. '12H, 429 
 
 Cifl.iiin /•. KiT.swcll II. 1.^):^, 1 r>;i, 177 
 
 (^)cliiruulc' I'.aiik r. Colt II. 94 
 
 Cock V. Coxwell 
 
 
 II. 550 
 
 V. Fellows 
 
 
 L31 
 
 V. Taylor 
 
 
 n. 169 
 
 Cocke V. Bank of Tenn. 
 
 
 I. 502 
 
 ». Branch Bank 
 
 
 I. 138 
 
 V. Chaney 
 
 
 11. 160 
 
 V. The Commonwealth 
 
 I. 584 
 
 V. Dickens 
 
 
 IL 450 
 
 Coikell V. Bridgeraan 
 
 II. 
 
 297, 306 
 
 V. Gray 
 
 
 I. 384 
 
 Cockerell v. Barber 
 
 
 II. 369 
 
 Cockrill V. Hobson 
 
 
 II. 643 
 
 V. Ivirkpatrick 
 
 
 II. 507 
 
 Cocks, Ex parte 
 
 
 IL 397 
 
 V. Mas term an I 
 
 319, 516 
 
 ; IL 81, 
 
 
 284, 
 
 596, 598 
 
 T. Nash 
 
 L 249 
 
 ; IL 237 
 
 Cockshott V. Bennett 
 
 
 I. 216 
 
 Coco V. Lacour 
 
 
 IL 205 
 
 Coddington v. Bay 
 
 II. 43, 
 
 268, 493 
 
 Davis 
 
 I. 563, 
 
 575, 578, 
 
 
 582, 
 
 643, 647 
 
 Codman v. Lubbock 
 
 
 IL91 
 
 Codwise v. Gleason 
 
 
 II. 502 
 
 Coffin V. Loring 
 
 
 I. 404 
 
 Coftnian v. Bank of Ke 
 
 itucky 
 
 I. 500 
 
 Coggill V. American Bai 
 
 k I. 32 
 
 2 ; IL 80 
 
 
 212, 483, 
 
 590, 591 
 
 Cohea v. Hunt 
 
 I. 
 
 419, 435 
 
 Cohen v. Morgan 
 
 
 IL 257 
 
 Colbert v. Daniel 
 
 
 IL 629 
 
 Colburn v. Averill 
 
 IL 124, 
 
 125, 658 
 
 Colby V. Colby 
 
 
 iL6n 
 
 Coldren v. Miller 
 
 
 II. 96 
 
 Cole 17. Blake 
 
 
 II. 625 
 
 V. Gushing 
 
 IL 19, 94, 251 
 
 T. Hundley 
 
 
 II. 507 
 
 V. Lockhart 
 
 
 IL 421 
 
 V. Runnells 
 
 
 IL 646 
 
 V. Sackctt 
 
 IL 152, 
 
 159, 202 
 
 V. Scot 
 
 
 IL 167 
 
 V. Thrull 
 
 
 II. 230 
 
 Ccjlehan v. Cooke 
 
 
 I. 40 
 
 Coleman v. Bicdeman 
 
 
 IL 453 
 
 V. Carpenter 
 
 
 L515 
 
 V. Ewing 
 
 
 L411 
 
 V. Fobes 
 
 
 II. 6.58 
 
 V. Sayer 
 
 I. 384, 
 
 391, 404 
 
 V. Smith 
 
 
 1. (•..•!9 
 
 V. Wolcott 
 
 
 11. .il.S
 
 INDEX TO CASES CITED. 
 
 Colerick ». McCleas 
 
 
 I. 237 
 
 Coles V. Bell 
 
 
 II. 209 
 
 V. Jones 
 
 
 11.45 
 
 Colkett r. Freeman 
 
 I. 
 
 415,416 
 
 Collamer v. Goodrich 
 
 
 11.411 
 
 V. Langdon 
 
 
 II. 153 
 
 Collester v. Hailey 
 
 II. 
 
 636, 646 
 
 Collett V. Frazier 
 
 
 II. 661 
 
 Collier V. Nevill 
 
 
 II. 428 
 
 Collinge V. Heywood 
 
 
 II. 638 
 
 Collins, Ex parte 
 
 
 II. 82 
 
 V. Benning 
 
 
 II. 644 
 
 V. Butler 
 
 
 I. 457 
 
 V. Johnson 
 
 
 I. 97 
 
 ». Jones 
 
 
 II. 613 
 
 V. Lincoln 
 
 1.47 
 
 ; II. 189 
 
 V. Martin 
 
 [. 184, 18.5, 
 
 224 ; II 
 
 
 43, 26.5, 
 
 435, 493 
 
 Collins V. Trist 
 
 
 II. 121 
 
 CoUis V. Emett I. 
 
 S2, 109; II. 11, 50 
 
 585, 592 
 
 V. Stack II. 650 
 
 Collott V. Haigh I. 229, 325 ; II. 249, 
 
 250 
 
 Collyer v. Willock II. 656 
 
 Colt V. Noble I. 515 
 
 Columbia v. Amos II. 510 
 
 Colvin V. Holbrook II. 209 
 
 V. The State II. 585 
 
 Colyer «. Craig II, 606 
 
 Combe v. Woolf I. 237 ; II. 247 
 
 Combes's Case I. 90 
 
 Combs V. Bateman II. 206 
 
 Comegys v. Booth I. 239 ; II. 245 
 
 Commercial Bank v. Benedict I. 231, 
 
 232; II. 100, 298, 301, 302, 313, 314 
 
 Commercial Bank i-. Clark I. 622, 626 
 
 V. Cunningham I. 229, 
 
 326 ; II. 250 
 
 B.French 1.170,238; 
 
 II. 449, 451 
 
 V. Gove I. 488 
 
 V. Hamer I. 419, 435 
 
 V. Hughes I. 464, 537, 
 
 632; II. 71 
 
 P.King 1.512,518 
 
 V. Lum II 577 
 
 V.Newport Min. 
 
 Co. 1.170 
 
 r. Norton T 106, 108 
 
 Commercial Bank v. Routh I. 60 
 
 V. Strong I. 478, 482 
 488, 489, 490 
 of Natchez V. Clai- 
 borne II. 445 
 of Penn. v. Union 
 Bank of N. Y. 
 
 II. 209 
 Commissioners of Berks Co. v. Ross 
 
 II. 246 
 of Knox Co. V. Aspin- 
 
 wall I. 35 
 
 &c. V. Hanion II. 577 
 
 Commonwealth v. Carey II. 476 
 
 ■C.Frost 11.411,418 
 
 V. Green II. 318 
 
 V. Johnson I. 198, 215 
 V. Manley I. 79, 88 ; 
 
 n. 447 
 », Miller 11. 425, 588 
 
 V. Sankey II. 586 
 
 V. Stephenson II. 588 
 V. Stone n. 105, 107, 
 194, 195 
 V. Taylor 11. 588 
 
 V. Vanderelice I. 242, 246 
 V. Ward II. 545 
 
 V. Whitney II. 587 
 
 T. Wilson II. 588 
 
 of Kentucky v. Bass- 
 ford II. 380 
 Comparet v. Ewing II. 397 
 Comstock V. Smith II. 152 
 Conant v. Hitt II. 645 
 Concord v. Pillsbury II. 603, 609 
 Condit V. Baldwin II. 41 1 
 Cone V. Baldwin I. 259 ; II. 275, 276 
 Conger ». Tradesman's Bank II. 412 
 Conier & Holland's Case II. 235 
 Conklin v Parsons II. 616 
 V. Waltz II. 620 
 Conkling v. King II 160, 161 
 c. Underbill II. 419 
 Conn V. Coburn I. 68, 244 
 V. Gano I. 310 
 V. Penn II. 397 
 Connecticut v. Jackson II. 424 
 V. Johnson II. 425 
 & Passumpsic Rivers R. 
 Co. V. Newell II. 33
 
 xl 
 
 INDEX TO CASES CITED. 
 
 Conner v. Eouth 
 Connei'at v. Goldsmith 
 Connery v. Kendall 
 Connolly v. Goodwin 
 Connor v. Bellamont 
 
 I. 39; II. 569 
 
 I. 244 
 
 I. 275 
 
 I. 635 
 
 TI. 376, 379 
 
 V. Marrin I. 78, 79 ; II. 3 
 
 V. Winton II. 607 
 
 Conoway v. Spicer II. 6.59 
 
 Conro V. Port Henry Iron Co. I. 169 
 
 Conroy v. Warren I. 51 ; II. 58, 59, 72, 
 
 73, 74, 84 
 
 Consequa v. Willings U. 376 
 
 Converse v. Moultoa II. 513 
 
 Conway v. Case II. 84 
 
 Conwell V. Morris II. 645 
 
 V. Pumphrey II. 415 
 
 Cook V. Bank of Lexington II 434 
 
 V. Darling I. r<i5, 396 
 
 V. Gray I. 393 
 
 V. Helms I. 22 1, 255 
 
 V. Litchfield I. 471, 473, 641 ; II. 
 
 328, 343, 348, 377. 380 
 
 V. Martin I. 310, 431, 533. 537, 
 
 550. 551 
 
 V. Mix L 210 
 
 V. Moffat II. 328 
 
 V. Renick I. 394, 489 
 
 V. Santbrd I. 99 
 
 V. Satterlee I. 45 
 
 V. Southwick II. 120 
 
 V. Wolfendale I. 301 
 
 Cooke V. (^olehun I. 40 
 
 V. Darwin II. 292 
 
 V. French I. 469 
 
 V. Nathan II. 122, 141 
 
 Cookendorfer v Preston I. 397 
 
 Coolbroth v. Purinton I. 29 
 
 Cooicy V. Lawrence IL 123 
 
 V. Ko.se II. 424, 46.'J 
 
 Coolidge V. Brigham II, 38 
 
 V. Inglee I. 216 ; II 54.J 
 
 V. Paysou I. 294, 295 
 
 V. Kuggles I. 45 
 
 Coonihe V. Miles II. 408 
 
 Coomhs V. Ingram I. 195 
 
 Coon V. Brook I. 78 
 
 Coojicr V. Dcdri.k IL 130, 132, 143, 638 
 
 i;. Le Blanc II. SOO, 593 
 
 V. McCiurkan I. 126 
 
 V. Meyer I 322 ; II. .M), 483, 
 
 591, :>r2 
 
 Cooper V. Parker 
 
 V. Sandford 
 V. Scott 
 r. Shepherd 
 V. Tappan 
 
 IL 648 
 II. 372 
 II. 233 
 II. 436 
 II. 501 
 
 ». Waldegrave IL 325, 326, 341, 
 
 342, 371, 377 
 
 V. Willomatt II. 436 
 
 Coore V. Callaway II. 209, 489 
 
 Cope V. Arberry II. 301 
 
 v. Daniel II. 374, 439 
 
 V. Smith I. 237, 238 
 
 Copp V. M'Dugall I. 444, 559 ; IL 498 
 
 V. Sawyer I. 178; II. 55 
 
 Copper-Miners' Co. v. Fox I. 163 
 
 Coppock V. Bower I. 196, 215 
 
 Corbett v. State of Georgia II. 597 
 
 Corbit V. Bank of Smyrna II. 89, 94, 99, 
 
 100, 103, 106, 107, 153, 187, 189, 191, 
 
 192, 194, 196 
 
 Corcoran v. Powers IL 427 
 
 Cordwell v. Martin IL 568, 573 
 
 Corfield v. Parsons II. 209 
 
 Corgan v. Frev/ I. 28 
 
 Corlies v. Camming II. 156 
 
 Cormena v. Bank of Louisiana I. 495 
 
 Cornell v. Moulton I. 381, 386 
 
 Corney I?. Da Costa 1.530,534,561, 
 
 573, 575 
 Cornforth v. Rivett II. 455, 605 
 
 Cornish v. Bryan II. 46 
 
 Cornu V. Blackburne I. 152 
 
 Cornwall v. Gould I. 632 ; II. 131, 204 
 Corp i;. M' Comb 1.395,515 
 
 Corser v. Craig I. 291, 331 ; II. 47 
 
 Cory V. Scott I. 534, 541, 551, 555, 630 
 Cospey V. Turner II. 580 
 
 Costar V. Davies II. 153 
 
 Coster V. Bank of Georgia IL 168 
 
 y. Dilworth 11.411 
 
 V. Thomason I. 494, 502 
 
 Costin V. Rankin I. 482 
 
 Cota V. Buck I. 40 
 
 Cotes V. Davi8 L 78, 79, 81, 82 ; II. 3, 
 
 479,489 
 Cottam V. Partridge II. 648 
 
 Gotten V. Williams II. 553, 580 
 
 Cotton V. Beasly II. 297 
 
 V. Evans I. 123, 126 
 
 r. Godwin I. 243 ; II. 621 
 
 Cotlrell V. Conklin II. 120, 121, 123, 520
 
 INDEX TO CASES CITED. 
 
 xli 
 
 Concb V. Meeker 
 
 
 I. 51 
 
 V. Mills 
 
 
 I. 249 
 
 V. Waring 
 
 II. 
 
 241, 244 
 
 Coulon V. Champlin 
 
 
 I. 489 
 
 Coulson's Case 
 
 
 II. 586 
 
 V. Walton 
 
 
 II. 579 
 
 Coulter V. Robertson 
 
 
 II. 420 
 
 County of St. Charles jj. Powell II. 663 
 Coupry V. Dufau II. 525 
 
 Course V. Shackleford I. 381, 382, 520, 
 
 529 
 
 Coursen v. Hamlin II. 611 
 
 Coursin v. Ledlie I. 44, 228 ; II. 453, 456 
 
 Courtois V. Carpentier II. 318 
 
 Cousins V. Paddon II 602 
 
 V. Thompson II. 92 
 
 Coutant V. Schuyler I. 179 ; II. 54 
 
 Covcly V. Fox II. 182 
 
 Covington v. Comstock I. 309, 429 
 
 Coward v. Hughes I. 79 
 
 Cowden v. Elliot II. 608 
 
 Cowe V. Halsall II. 547 
 
 Cowell V. Edwards II. 254 
 
 V. Simpson II. 163 
 
 V. Watts I. 156 
 
 Cowie V. Harris I. 41 
 
 Cowles V. Harts I. 472 
 
 V. McVickar 11. 428 
 
 Cowley V. Dunlop I. 199 ; II. 455 
 
 Cowper V. Smith II. 134, 248 
 
 Cowperthwaite v. Sheffield I. 290, 332, 
 
 334, 335, 506 ; II. 60, 226 
 
 Cowqua v. Lauderbruu II. 372 
 
 Cowton V. Wickersham I. 321 
 
 Cox V. Adams II. 336 
 
 V. Bailey II. 658 
 
 ?3. Baldwin II. 162 
 
 V. Bank of Tennessee I. 660, 661 
 
 V. Coleman I. 287, 302 
 
 V. Davis II. 633 
 
 V. Earle I. 317 
 
 V. Fen wick II. 167, 169 
 
 V. Troy I. 48, 291 ; II. 573 
 
 V. United States II. 318 
 
 V. Wallace II. 510 
 
 V. Williams II. 469 
 
 Coxe V. Hankinson II. 1 53, 1 60, 2 1 7 
 
 V. State Bank 11.91 
 
 Coxon V. Lyon II. 474 
 
 Covle V. Smitli I. 552. 55.T 
 
 J* 
 
 Ci-abtree w. Clark 11.578.580 
 
 V. Cliatt II. 612 
 
 V. May I. 77 
 
 Craig V. Baptist Educational Soc. II. 511 
 
 V. Brown II. 30 
 
 V. Calloway Co. Ct. II. 656, 658 
 
 V. Craig I. 179; II. 55,357 
 
 V. City of Vicksburg II. 33, 34, 1 1 5 
 
 Grain v. Colwell I. 600, 601, 619 ; II. 247 
 
 Cram v. Hendricks II. 428 
 
 V. Sherburne I. 590, 595, 604 
 
 Cramlington v. Evans I. 385, 391 ; II. 
 
 210, 451 
 
 Cranch v. White II. 265, 266, 293, 435 
 
 Crane v. Ailing I. 248 
 
 r. Hubbel 11.411 
 
 V. Newell II. 240, 245 
 
 V. Stickles I. 242 
 
 Crank v. Frith II. 475 
 
 Crawford v. Berry II. 160 
 
 V. Branch Bank I. 471, 474, 
 
 485, 505 ; II. 339, 342, 344, 346 
 
 B. Cully I. 45 
 
 r. Johnson 11.406,417 
 
 V. Millspaugh II. 235 
 
 V. Stirling II. 605 
 
 V. Summers II. 297 
 
 Crawfurd v. Koyal Bank II. 281, 283 
 
 Crawley v. Littlefield II. 639 
 
 Crawshay v. Homfray II. 169 
 
 Creamer v. Perry I. 566,571, 592, 
 
 595, 598 
 
 Creath ;;. Sims I. 240 ; II. 240, 533 
 
 Creed v. Stevens II. 419 
 
 Cremer v. Higginson II. 225, 227 
 
 Crenshaw v. Jackson II. 136 
 
 r. M'lviernan 1.393,410,412, 
 
 516 
 
 Cripps V. Davis I. 270 ; II. 9, 596, 604, 661 
 
 Crisp V. Bluck II. 223 
 
 ». Griffiths 11.151,154 
 
 Crisson v. Williamson I. 496 
 
 Crist V. Garner II. 617 
 
 Critchlow V. Parry II. 25, 212, 482, 484, 
 
 589 
 
 Crocker v Arey II. 634 
 
 V. Clements II. 629 
 
 tj. Getchell 1.471,476,514; 
 
 II. 5<0 
 
 u. Gilbert II. 126, 143
 
 xlii 
 
 INDEX TO CASES CITED. 
 
 Crocker v. Whitney 
 
 
 
 I. 333 
 
 Crocket r. Trotter 
 
 
 
 II. 204 
 
 Crockett v. Tho mason 
 
 
 II. 
 
 550, 573 
 
 Crofts V. Beale 
 
 I 
 
 196 
 
 ; II. 127 
 
 Cromwell v. Arrott 
 
 
 I. 
 
 377, 380 
 
 V. Hynson I. 
 
 365, 
 
 366, 
 
 493, 500 
 
 V. Lovett 
 
 
 11. 83, 87 
 
 Cronise v. Kellogg 
 
 
 
 I. 326 
 
 Cronk ». Frith 
 
 
 
 II. 480 
 
 Crook V. Jadis I. 258 ; 11. 28, 
 
 187 
 
 272,277 
 
 Crookshank v. Mallory 
 
 
 
 II. 605 
 
 V. Rose 
 
 
 
 I. 217 
 
 Cropper ». Nelson 
 
 
 
 II. 468 
 
 Crosby v. Grant 
 
 I. 
 
 259, 
 
 263, 417 
 
 V. McDermitt 
 
 
 
 II. 395 
 
 r. JNIortou 
 
 
 
 1.337 
 
 V. Wyatt I. 
 
 240, 
 
 241 
 
 ; II. 135, 
 245, 533 
 
 Cross T. Rowe 
 
 
 
 II. 445 
 
 Crosse v. Smith 
 
 
 I 
 
 488, 489 
 
 Crossen v. Hutchinson 
 
 
 1 
 
 .446, 528 
 
 Crossman v. Fuller 
 
 
 
 II. 430 
 
 Crosthwait v. Ross 
 
 
 
 1.138 
 
 Crotty V. Hodges 
 
 
 
 II. 580 
 
 Croughion i'. Duval 
 Crow V. Watkins 
 
 
 
 1.237 
 II. 605 
 
 Crowe V. Clay U. 286, 292, 295, 296, 308 
 Crowlev V. Barry I. 362, 495, 634 ; 
 
 II. 466 
 Crowninshitld v. Robmson 
 Cro.xen v. Worthen 
 Crozer r. Charobers 
 Cruchley v. ("larance I. 
 
 Cruger v. Armstrong 
 
 II. 57, 
 Cruickshanks v. Rose 
 Crump V. Nicholas 
 Crutchly v. Mann 
 Cuff V. Brown 
 CuUen V. Orcen 
 Culium V. Branch Bank 
 
 V. Casey 
 Culver V. I'arish 
 Cunil)er v. Wane 
 Cumberland Bank v. Hall 
 Cuming r. French 
 
 T. Marshall 
 Cummin^s v. Di-nnelt 
 
 on 
 
 
 11. 
 
 607 
 
 
 
 I. 
 
 616 
 
 
 
 11. 
 
 519 
 
 33 
 
 112 
 
 II. 
 
 11. 
 
 448 
 
 I. 
 
 311, 537, 5.52; 
 
 58, 
 
 59, 71, 73 
 
 , 84 
 
 
 
 II. 
 
 232 
 
 
 
 II. 
 
 422 
 
 I. 33, 58 
 
 ; 11- 
 
 480 
 
 
 
 I. 
 
 203 
 
 
 
 11. 
 
 623 
 
 
 I. 
 
 210 
 
 224 
 
 
 
 I 
 
 651 
 
 
 
 I. 
 
 264 
 
 
 11. 
 
 154, 
 
 204 
 
 all 
 
 II. 
 
 5.59 
 
 577 
 
 I 
 
 599 
 
 600 
 
 616 
 
 
 
 II. 
 
 315 
 
 
 
 II. 
 
 128 
 
 CumminiTii v. Freeman I 25 
 
 V. Putnam II. 620 
 
 V. Williams (4 Weml.) II. 413 
 Camniin>; i;. Williams (5 J. J. Marsli.) 
 
 11. 608 
 „. Wire 11.414,420 
 
 Cumpston c. McNair H- 1-tl 
 
 Cundy v. Marriot* I- 559 
 
 Cufli'ffe, Ex parte H- 83 
 
 ?7. Booth 1.258; II. 271 
 
 V. Whitehead I. 17 ; II. 473 
 
 Cunningham v. Hall H- 406 
 
 V. Wardwell 1. 62, 25^8 ; 
 II. 524 
 Curan v. Colbert I. 237, 246 
 
 Curie V. Beers I- 45 
 
 Curlewis v. Corfield 1- 617 
 
 T. Lord Mornington 11. 641, 646 
 Currie r. Child H- 480 
 
 Currier c. Hodgdon 11. 50 
 
 Curry v. Bank of Mobile I. 494, 509, 516 ; 
 II. 30, 480. 564 
 V. Herlong I- 555 
 
 V. Kurtz II. 589 
 
 Curtis V. Bcmis II 454 
 
 c. Carpentier II. 372 
 
 V. Hubbard 11. 151, 152, 176 
 
 V. Ingham II. 153 
 
 V. Leavitt H. 409 
 
 ' V. Mohr I. 223 
 
 ! V. Hickards I. 33 
 
 i V. Rush 11. 163 
 
 V. Smallraan II. 141 
 
 V. State Bank I. 482, 487, 493 
 
 V. Wakefield II. 502 
 
 Curtiss V. Greenbanks II. 620, 625 
 
 V Martin 1. 583,591, 609, 611 ; 
 II. 472 
 Crushing V. Gore I. 199, 201, 552; II. 84, 
 
 86 
 
 V. Wyman II. 530 
 
 Cushman v. Dement II. 120, 519 
 
 V. Haynes I. 38, 260 
 
 Cuthbcrt r. Bowie II. 535 
 
 r. Haley II. 419 
 
 Cutler ». How II. 414 
 
 V. Rae II. 169 
 
 Cutts V. Perkins I. 287, 333 
 
 V. United States II. 553
 
 INDEX TO CASES CITED. 
 
 Ciiyler v. Ciivler 
 
 II. 532 ; 
 
 David 
 
 V. Ellice 
 
 II. 
 
 199, 202 
 
 V. Nellis 
 
 I. 497 
 
 
 V. Eloi 
 
 
 II. 179 
 
 V. Stevens II. 401, 
 
 402,477,515 
 
 
 V, Porter 
 V. Preece 
 
 
 II. 318 
 II. 217 
 
 
 
 Davidson v. Bridge])ort 
 
 II. 
 
 1.53, 218 
 
 
 
 
 V. CoDper II. 
 
 553, 575, 
 
 577, 580 
 
 D. 
 
 
 
 V. Delano 
 V. Harrisson 
 
 
 II. 663 
 II. 654 
 
 Dahbs V. Humphries 
 
 II. 456, 652 
 
 
 r. Stanley 
 
 1.91, 
 
 92, 116; 
 
 Dabney i'. Campbell 
 
 I. 402, 404 
 
 
 
 
 11. 489 
 
 V. Stidger 
 
 1.502 
 
 Davie 
 
 V. Stevens 
 
 
 II. 9 
 
 Da Costa v. Cole 
 
 I. 543 
 
 Davies v. Cram 
 
 
 II. 639 
 
 );. Davis 
 
 11 373 ' 
 
 
 V. Dodd 
 
 
 II. 310 
 
 V. Hatch 
 
 11.319 
 
 
 V. Edwards 
 
 
 II. 656 
 
 V. Jones 
 
 I. 190 
 
 
 V. Humphreys 
 
 II. 253, 
 
 254, 638 
 
 Daggett V. Pratt 
 
 11. 392 
 
 
 V. Stainbank 
 
 I. 239 
 
 ; II. 502 
 
 V. Tallman 
 
 II. 2.54 
 
 
 V. Watson 
 
 
 II. 598 
 
 Dagnall v. Wigloy 
 
 II. 411 
 
 
 V. Wilkinson 
 
 I. 38 
 
 ; II. 146 
 
 Dale V. Luljbock 
 
 1. 478 
 
 Davis 
 
 & Desauque, Estate of 
 
 I. 135, 
 
 V. Pope 
 
 II. 512 
 
 
 
 145 
 
 ; II. 200 
 
 Dalrymjile v. Dalrymplo 
 
 11. 350 
 
 
 V. Bank of River Raisin 
 
 II. 107 
 
 Dal toil V. Woburn 
 
 I. 245 
 
 
 V. Barckay 
 
 
 II. 233 
 
 Daley v. Slater 
 
 I. 514 
 
 
 V. Barker 
 
 
 II. 286 
 
 Dana v. Angel 
 
 II. 181, 187 
 
 
 V. Barrington 
 
 1. 
 
 233, 235 
 
 V. Cordman 
 
 I. 237, 238 
 
 
 r. Beekham 
 
 
 I. 497 
 
 V. Conant 
 
 n. 142 
 
 
 r Benbow 
 
 
 II. 305 
 
 V. Kemble 
 
 I. 494, 496 
 
 
 V. Bradley 
 
 
 I. 290 
 
 V. Sawyer I. 
 
 417, 418, 420 
 
 
 V. Briggs 
 
 I. 137 
 
 ; II. 440 
 
 V. Underwood 
 
 II. 482 
 
 
 V. Carlisle 
 
 II. 
 
 563, 577 
 
 Danforth v. Culver 
 
 II 649, 060 
 
 
 V. Child 
 
 
 II. 170 
 
 Dangerfield v. Wilby 
 
 II. 151, 294, 
 
 
 V. Clarke 
 
 I. 62, 
 
 289. 313 
 
 
 296, 308 
 
 
 V. Clemson 
 
 
 II. 381 
 
 Danks, Ex parte 
 
 II. 623 
 
 
 V. Coleman 
 
 II. 328, 
 
 377, 380, 
 
 Daniel v. Cartony I 
 
 218; II. 431 
 
 
 
 
 559, 658 
 
 V. Daniel II 
 
 559, 577, 580 
 
 
 r. Cotten 
 
 
 11. 640 
 
 V. Ray 
 
 II. 524 
 
 
 V. Dodd II. 
 
 151, 286, 
 
 287, 296, 
 
 •Daniels v. Kyle I. 273 ; 
 
 II. 68, 73, 74 
 
 
 
 
 297, 302 
 
 Dann v. Norris 
 
 II. 442 
 
 
 V. Emerson 
 
 
 II. 253 
 
 Darbishire v. Parker I. 269 
 
 479, 507, 509 
 
 
 V. Francisco 
 
 I 
 
 447, 530 
 
 Darling v. March I. 140^ 
 
 142, 144, 145 
 
 
 V. French 
 
 
 I. 161 
 
 V. Meaohum 
 
 II. 635 
 
 
 V. Garr 
 
 I. 35 
 
 ; II. 645 
 
 V. Wells 
 
 II. 636 
 
 
 r. Gowen I- 
 
 482, 586, 
 
 587, 595, 
 
 Darnell »'. Williams 
 
 I. 207 
 
 
 
 
 601, 619 
 
 Da Silva v. Fuller 
 
 II. 255 
 
 i 
 
 V. Greely 
 
 
 II. 395 
 
 Daubuz V. Morshead 
 
 I. 152; II. 8 
 
 
 t;. Gyde 
 
 
 II. 164 
 
 Davega v. Moore 
 
 1.33 
 
 
 r. Hanly 
 
 I 
 
 511. 512 
 
 Davenport v. Davis 
 
 II. 478 
 
 
 0. Hardacre 
 
 II 
 
 408, 412 
 
 V. Freeman 
 
 II. 469 
 
 
 V. Huggins 
 
 
 I. 237 
 
 V. Runlett 
 
 I. 126 
 
 
 V. Jacquirn 
 
 
 1.67 
 
 V. Woodbridge 
 
 IT. 46 
 
 
 V. Jenncy 
 
 
 II. 550
 
 XllV 
 
 INDEX TO CASES CITED. 
 
 Davis V. Lane 
 
 
 
 II. 53 
 
 r. McCready 
 
 
 
 I 2G1 
 
 V. Miller 
 
 
 
 11.50 
 
 ». Minor 
 
 
 
 II. 383 
 
 V. New Brig 
 
 
 
 IL 170 
 
 r. Sawtelle 
 
 
 U. 
 
 467, 470 
 
 r. Smyth 
 
 
 
 II. 394 
 
 r. Steiner 
 
 
 
 IL 652 
 
 V. Williams 
 
 
 
 L498 
 
 Davison, Ex parte 
 
 
 
 L4f. 
 
 Davlin V. Hill 
 
 
 
 II. 534 
 
 Dawe V. Holdsworth 
 
 II. 
 
 228 
 
 229,' 230 
 
 Dawkes v. De Lorane 
 
 
 
 1.43 
 
 Dawson's Case 
 
 
 
 11. 586 
 
 Dawson v Bank of Illinois 
 
 
 11. 504 
 
 V. Callaway 
 
 
 
 11. 632 
 
 V. Dillon 
 
 
 
 11. 620 
 
 «;. Kearton 
 
 
 
 L 179 
 
 V. Morgan 
 
 I 
 
 6o2 
 
 ; 11. 458 
 
 Day ». Cummings 
 
 
 
 II. 416 
 
 V. Elmore 
 
 11. 
 
 130, 
 
 141, 142 
 
 V. Lyon 
 
 
 
 11 439 
 
 V. Nix 
 
 
 
 1.208 
 
 V. Whitney 
 
 
 
 1L46 
 
 Dayton ». Trull 
 
 
 11. 
 
 155, 182 
 
 Deacon v. S tod hart 
 
 
 
 11. 216 
 
 Dean v. De Lezardi 
 
 
 .41 
 
 ; 11. 514 
 
 V. Hall 
 
 II 
 
 . 25, 
 
 132, 519 
 
 V. Hewit 
 
 11. 
 
 220, 
 
 437, 662 
 
 r. Newliall 
 
 I 
 
 249 
 
 ; IL 238 
 
 V. Richmond 
 
 
 r. 78 
 
 ; IL 447 
 
 V. Speakman I. 
 
 2.32 ; 
 
 IL 
 
 290, 291, 
 294, 314 
 
 V. Williams 
 
 
 
 II. 425 
 
 Dbarhorn v. Cross 
 
 
 
 II. 529 
 
 Dease v. Jones 
 
 
 
 IL 637 
 
 Death ». Serwonters 
 
 
 
 IL 455 
 
 Dcaver v. Carter 
 
 
 
 IL 638 
 
 De Bengarcclic v. Pillin 
 
 
 
 I. 427 
 
 De Berdt v. Atkinson 
 
 1. 447, 
 
 529, 556, 
 
 
 
 
 557 
 
 D.; BcrnalesTJ. Fuller 
 
 
 
 IL 392 
 
 Dt;l)csse V. Najiior 
 
 
 
 I. 335 
 
 ])el)liiux V. Bullurd 
 
 
 
 L 515 
 
 De Brulil v. Neufier 
 
 
 
 II. '>->H 
 
 Dchuys ». Moilere I. S!)."), 5 
 
 yfi, 604, 620, 
 
 
 
 
 62. 
 
 Di'faiiii- Maiik v. Spcnce 
 
 
 I. 
 
 IK), III 
 
 Di'ckir V. Matiifws 
 
 
 II. 
 
 •-"*, i".):! 
 
 !>(• Coidova V. Atchison 
 
 
 II. 
 
 4i:i, lifi 
 
 Deeouche v. Snvetier II. 369 
 
 Dedhani Bank v. Chickerii}ii- II. 227. 232 
 
 Dednian v. William.s I. 244 
 
 Deems r. Crook 11.27 
 
 Deering v. Sawtel II. 469 
 
 V. Winchelsea II. 253 
 
 De Forest v. Erary I. 39, 43 
 
 V. Strong II. 410, 411 
 
 De Havilland v. Bowerhank II. 393 
 
 Dehers v. Harriot L 60, 62, 358, 382, 
 
 404 ; IL 261, 312 
 
 Dehuff 0. Turbett 1. 237 
 
 l)eibler». Barwick IL 167 
 
 De La Chaumette v. Bank of England 
 
 I. 223, 226 ; II. 257, 266, 271, 280, 
 
 283, 293, 326, 334, 342, 353, 355 
 
 De la Courtier v. Bellamy I. 41, 49, 386 
 
 Dflafield V. State of Illinois 11.33, 115 
 
 1 )elano v. Bartlett II. 493. 494 
 
 V. Rawson I. 204 
 
 De la Torre v. Barclay II. 251 
 
 Delauney v. Mitchell I. 186 ; II. 20, 27 
 
 De la Vega v. Vianna II. 319, 326, 
 
 366, 367 
 
 Delcgal V. Nay lor II. 369 
 
 Deloach v. Turner 11. 647, 649 
 
 Dolvalle v. Plomer II. 319 
 
 Demeritt v. Exchange Bank II. 364 
 
 Dcminds ». Kirkman 1.509, 511, 512 
 
 Deming ». Norton II. 246 
 
 Den V. Clark I. 151 
 
 V. Richards II. 646 
 
 V. Wright II. 572, 574 
 
 Denegre v. Hiriart 1. 471, 473 
 
 V. Milne 1. 581 
 
 Dcniien v. Haskell I. 264 
 
 Dennett v. Goodwin 1. ■15 ; II. 637" 
 
 V. Wynian I. 264, 269 
 
 Dcnnie v. Hart II. 86, 159 
 
 V. Walker 1.412,449,452; 11.461 
 
 Denids v. JaHVay II. 372 
 
 V. Morrice I. 599, 630, 632 
 
 V. People II. 588 
 
 )•. Rider I. 237 
 
 Demi is ton v. Bacon II. 28 
 
 V. I m brie I. 554 ; II. 154, 
 
 397, 426 
 
 Dennistoun v. Stewart I. 476, 646 
 
 Pcnnison v. Brown I. 200 
 
 D.iiiiy V. Palmer I. 493, 509, ,"529, 556, 
 
 563. 566, .567, 573, 574
 
 INDEX TO CASES CITED. 
 
 xlv 
 
 Denny v. Smith II. 639 
 
 l>enston v. Henderson II. 370 
 
 Dent V. Dunn II. 86, 394, 396, 621, 626 
 Denton v. Embury 11. 630 
 
 Depau V. Humphreys II. 318, 328, 336, 
 337, 338, 346, 379 
 Depeau v. Waddinj^ton I. 224 
 
 Depew ?; Wheelan 11.290,291 
 
 Deranco v. I\Iontp;omery II. 645 
 
 Ucik-kson v. Whitney II. 498 
 
 De Ridder v. Schermerhorn I. 251 
 
 Des Arts v. Leggett II 294, 300, 303, 
 
 623, 625 
 Desbrowe v Wetherby II 548 
 
 Descadillas v. Harris II. 152, 172 
 
 Desha v. Stewart II 440 
 
 Deshon v. Eaton II. 649 
 
 De Silva v. Fuller I. 230 ; II. 81, 596 
 De Sobry v. De Laistre II. 318, 320. 
 
 376 
 Despatch Line of Packets v. BeUamy 
 
 Manuf. Co. I. 97 
 
 Dessau v. Bours II. 518 
 
 Destrehan v. Fazende II. 641 
 
 De Tastet v. Baring I. 648, 65? 
 
 De Tastett v. Crousillat II. 605 
 
 Devallar v. Herring II. 26? 
 
 Devaynes y. Noble II. 61,222 
 
 Develing v. Ferris I. 570 
 
 Devlin v. Brady I. 214 
 
 Devoe v. Moffatt II. 72, 87 
 
 Dewar v. Span II. 378, 379 
 
 Dewdney, Ex parte II. 644 
 
 Dewey v. Bowman II. 392 
 
 V. Cochran I. 236 ; II 445 
 
 De Witt V. Bigelow II. 248 
 
 De Wolf ». Johnson II. 328, 337, 376, 
 
 377, 378, 420 
 V. Murray I. 421, 435, 438, 
 
 471, 477, 646 
 D'Wolf i'. Rahaud 11.129 
 
 DexlauxB. Hood I. 392 
 
 Dexter v. Clenians II. 521 
 
 Deyraud v. Banks I. 367, 422 
 
 De Zeng i'. Bailey 1. 247 
 
 V. Fyfe I. 226 
 
 Dibble v. Duncan II. 520 
 
 Dick p Leverick I. 322 
 
 Dicken v Johnson II. 634 
 
 I")ickenson v. Dickenson I. 22 
 
 Dickenson v. Hatfield II. 652 
 
 Dickerson v. Board of Commissioners 
 
 I. 235 
 
 r. Burke I. 255 
 
 i: Turaer I. 637; II. 498 
 
 Dickins v. Beal I. 478, 493, 510, .537, 539, 
 
 540, 541, 542, 642 ; II. 492, 496 
 
 Dickinson v. Bowes I. 306, 427 
 
 V. Burr II. 442 
 
 V. Hall I. 204., 2f 6 
 
 V. King II. 153 
 
 V. Prentice II. 466 
 
 V. Tunstall II. 392 
 
 V. Valpy I 138, 140 ; II. 180, 
 
 478 
 
 V. Williams II. 647 
 
 Dicks V. Cash 1. 358 
 
 Dickson, Ex parte II. 155, 184 
 
 V. Primrose II. 275 
 
 V. Thomson II. 648 
 
 Didier v. Davison II. 636, 652 
 
 Dietrich v. Bayhi I. 38 
 
 Diggle V. London & Blackwall Railway 
 
 Co. L 163 
 
 Dillard v. Philson II. 645 
 
 Dillon V. Dudley II. 393 
 
 );. Rimmer II. 206, 234 
 
 Dilworth v. Carter II. 632 
 
 Dingwall v. Dunster I. 324, 325 
 
 Dinsmore v. Bradley II. 364 
 
 V. Dinsmore II. 651 
 
 Disborough v. Bidleman II. 653 
 
 V. Jones II. 659 
 
 Diversy v. Moor I. 326 
 
 Dix V. Van Wyck H. 415, 419 
 
 Dixie's Case 11.418 
 
 Dixon's Case II. 82 
 
 Dixon V. Dixon II. 631 
 
 ». Elliott L615 
 
 V. Iloldroyd II. 639 
 
 ». Nuttall L 384, 405; II. 644 
 
 V. Parkes II. 397 
 
 V. Ramsay II. 327 
 
 Dob V. Halsey L 125, 127 ; IL 478 
 
 Dohree v. Eastwood L 478,481, 513, 514 
 
 Dockray v. Dunn I. 199, 310 
 
 Dod V. Edwards L 230, 261, 328 ; IL 
 
 215, 236 
 Dodge V. Bank of Kv. I. 502, 509
 
 xlvi 
 
 INDEX TO CASES CITED. 
 
 Doe r. Barnard 
 r. Brown 
 V. Burnham 
 r. Fi^gins 
 V. Gooch 
 V. King 
 r. Newton 
 V. Suckermore 
 V. Thompson 
 ». Warren 
 
 II. 408, 412 
 11.413 
 I. 213, 279 
 II. 4.'53 
 11.413 
 11.421 
 II. 477 
 11.477 
 II. 641 
 
 II. 424, 425 
 
 d. Tatum r. Catomore II. 576, 577, 
 
 580 
 
 Dojran r. Ashbey II. 162, 177 
 
 Dole V. Gold I. 470, 477 
 
 DoUfus V. Frosch I. 358, 396, 397, 399, 
 
 464, 537, 539 ; II. 220, 442, 480 
 
 Doman v. Dibden II. 39? 
 
 Don V. Lippmann II. 320, 326, 333, 342, 
 
 367, 377, 383, 385 
 
 Donaldson v. Benton II. 502 
 
 V. Means I. 596, 597, 600 
 
 Donath v. Broomhead II. 178 
 
 Done V. Walley II. 253 
 
 Donelly v. Corbett II. 325, 364 
 
 t. Howie I. 611 
 
 Donelson v. Taylor II. 298, 302, 305, 
 
 309 
 Donley v. Camp II. 138 
 
 Doran v. O'Reilly II. 369 
 
 Dorche.ster & Milton Bank t>. New Eng- 
 land Bank I. 480 
 Dormady v. State Bank of 111. II. 298, 
 
 304, 309 
 
 Dorr V. Swartwout II. 635, 653 
 
 Dorscy v. Gas.saway II. 227, 228 
 
 V. Hardesty II. 320, 327, 368 
 
 V. Reese II 610 
 
 p. Watson I 596, 622 
 
 Doiy V. Bates I. 128, 130 
 
 V. Blake I. 247 
 
 V. Wilson II. .50 
 
 Dougal V. Cowles I. 124, I'i.'i, 288 ; II. 
 
 154, 157, 161 
 
 Dougherty v. Western Bank I. 3 Id, 375, 
 
 430, 431 ; II 88, 95, 189, 197, 643 
 
 Doiigla.s V. Elkins II. 638, 640, 650, 651 
 
 DougiasH r. Ilowland II. 130, 140 
 
 V. Ratlibonc II. 140 
 
 V. Reynolds II. 140 
 
 V. S'ott TI 567 
 
 " Wiikc-^on I. 33.312 
 
 Dow V. Rowell II. 336. 347 
 
 V. Sayward II 636 
 
 V. Tuttle I. 241 ; II 502, 530, 538 
 
 Dowbiggin v. Bourne II. 249 
 
 Dowdall V. Lenox II. 406 
 
 Dowe V. Schutt I. 199; II. 427 
 
 Dowling V. Ford II 662 
 
 Down V. Hailing I. 258,272 : II 79, 271, 
 
 273, 277, 279 
 
 Downe v. Hailing II. 266 
 
 Downer v. Remer I 490, 497 
 
 Downer v. Shaw II. 654 
 
 Downes ». Church I. 60 
 
 V. Richardson II. 565, 573 
 
 Downey v. Hicks II. 154, 161 
 
 Downing ». Backenstoes I. 228, 408 
 
 ». Funk 1.198 
 
 Downs V. Planters' Bank I. 509, 511, 
 
 512, 518 
 
 V. Webster II. 505 
 
 Dows V. Cobb II. 34 
 
 Dozier v. Duffee II. 502 
 
 V. Ellis II. 636 
 
 Draco, Brig II 173 
 
 Diage V. Ibberson I. 215 
 
 V Netter I. 328; II. 236 
 
 Drake v. Elwyn I. 136 
 
 V. Henly II. 469 
 
 V. Mitchell II. 163 
 
 V. Ramey II. 305 
 
 V. Rogers I. 49 ; II. 514 
 
 Diaper V. Clemens I. 362, 3G6, 367 
 
 V. Glassop II. 631 
 
 V. Hilt II. 235 
 
 r. Jack.son I. 87, 88, 89; II. 447 
 
 f. Pattina I. 22 
 
 V. Romeyn II. 246 
 
 v. Snow II. 125, 129, 132 
 
 r. Trescott 11.407,410,415 
 
 V. Weld II 121. 122 
 
 Drawn v. Cherry I. 45 
 
 Drayton .;. Dale I. 70, 153, 321 ; II. 483 
 
 Drew r. Drew 11.635 
 
 V. Towlc I. 209, 210; II. 606 
 
 Prinkwater v. Tebbetts I. 580, 585, 589 
 
 Drury v. Macaulay I. 45 
 
 r Smith II. 89, 92, 188 
 
 r. Vanncvar II. 448, 637 
 
 Dry Ilfn'.k Bank v. Am. Life Ins. & 
 
 Trust Co. II. 432, 433
 
 INDEX TO CASES CITED. 
 
 xlvii 
 
 Du Belloix v. Waterpark 
 
 Diibose V. Wheddon 
 Dubuisson v. Folkes 
 Duckett V. Criiler 
 Duckham v. Wallis 
 Du Costa V. Cole 
 Dufaur v. Oxenden 
 Duff r East India Co. 
 
 V. Ivy 
 Duffie n. Phillips 
 Duffield V. Elwes 
 Duffield V. Hicks 
 
 II. .395, .3'.)R, 
 
 397 
 
 I. 70 
 
 I. 241 
 
 II. 637 
 
 II. 472 
 
 ir. 319 
 
 I. 282 
 II. 210 
 II. .502 
 
 II. 6.51, 656 
 II 54 
 
 II. 54 
 
 Diifour V. Morse I. 489, 573, 574, 575 
 
 Dugan V. United States I. 255, 358 ; 
 
 II. 30, 32, 220, 442, 451, 452, 
 456, 480, 564 
 Duggan V. King I. 444, 559 
 
 Duhammel v. Pickering I. 152 ; II. 8 
 
 Duke of Norfolk v. Howard I 371, 421 
 Dukes V. Dow II. .503 
 
 Dumas v. Powell II. 297, 298 
 
 Dumont v. Pope I. 264, 338, 343, 345, 
 
 639 
 Dunbar n. Marden I. 206 ; II 475 
 
 Duncan ». Clark I. 125 
 
 V. Course I. 57, 642; II. 322, 
 324, 329 
 V. Gosche I. 224 
 
 V. Ix)wndes I. 142 
 
 V. M'Cullough I. 442, 448, 450, 
 459 
 i;. Maryland Savings Institu- 
 tion 11.412 
 V. Reed I. 240 
 V. Scott I. 186, 189, 276; 
 II. 485, 493 
 V. Sparrow I. 497 
 Duncklee v. Greenfield Steam-Mill 
 
 Co. 11.46 
 
 Dundas v. Bowler II. 336 
 
 Dundass v. Gallagher I. 141 
 
 Dungannon v. Hackett II. 369 
 
 Dunham v. Day II. 433 
 
 ». Gould 11.412 
 
 V. Pettee II. 622. 623 
 
 Dunkle v. Penick 11. 428 
 
 Dunlap V. Buckingham II. 628 
 
 V. Hales I. 74 
 
 V. Silver II. 62 
 
 I. 13 
 
 I 495, 497 
 
 II. 492 
 
 11.315 
 
 II. 585 
 
 II. 336, 347 
 
 I. 337 
 
 I. 232 
 I. 239 
 
 I. 210 
 II. 383 
 11.512 
 
 II. 326, 379, 415 
 41'; 
 1.312 
 
 II. 275 
 
 II. 382 
 
 Dunlap !•. Thompson 
 Dunlop V. Higgins 
 V. Monroe 
 Dunn's Case 
 Dunn V. Adams 
 
 V. O'Kcefe 
 
 V. Smith 
 
 V. Spalding 
 
 V. White 
 Dunning v. Chamberlin 
 
 V. Pratt 
 Dunscomb v. Bunker 
 
 Dupays v. Shepherd 
 
 Du|)eux V. Troxler 
 
 Dupieiii D. De Roven 
 
 Dupont V. Mount Pleasant Ferry 
 
 Co. 1. 170; II. 452 
 
 Dupuy V. Gray II. 502 
 
 Duramus v. Harrison II. 607 
 
 Durant v. Banta II. 426, 428, 429 
 
 Durell V. Wendell I. 250 
 
 Durham v. Price I. 568, 596 
 
 Durkin v. Cranston I. 59 
 
 Durnford v. Patterson I. 407 
 
 Duroure v. Jones II. 646 
 
 Durrum v. Hcndrick I. 537, 550 
 
 Duryee v. Dennison I. 596, 597 
 
 Dusenbury v. Ellis I. 122 
 
 Dutchess Cotton Manuf v. Davis I. 408 
 Dutton V. N. E. Mutual Fire Ins. 
 
 Co. II. 176, 201 
 
 V. Poole I. 297 
 
 V. Tilden II. 589 
 
 Duty V. Graham II. 632 
 
 Duvall V. Farmers' Bank I. 563, 567, 
 
 578, 582, 621, 626 ; II. 412, 516 
 
 Dwight V. Emerson 
 r. Newell 
 V. Pomeroy 
 V. Scovil 
 ;•. Williams 
 
 Dyer v. Ciark 
 
 I. 381 
 
 I. 158; II. 5, 478 
 
 II. 516 
 
 I. 464, 523 
 
 II. 141 
 
 I. 144 
 
 r. Covington Township I. 45 
 
 V. Hunt 11.318, 359 
 
 Dyke v. Mercer II. 240 
 
 IJykers v. Leather Manuf Bank II. 56, 
 
 59, 60, 61, 62, 66, 78 
 
 Dyottu. Letcher 11.647
 
 INDEX TO CASES CITED. 
 
 E. 
 
 Eagle Bank v. Chapin I. 515 ; II. 358, 
 
 491 
 V. Hathaway I. 483, 484, 
 487 
 of New Haven v Smith 
 
 II. 37, 101, 189,306, 600 
 Eagleson v. Shot well II. 408, 416 
 
 Earl V. Page I. 206 
 
 Flarlc V. Reed I. 69 
 
 Earll V. Mitchell II. 407, 434 
 
 Early v. Foster II. 51$ 
 
 V. Wilivinson I. 94. 9» 
 
 Easley v. Crockford 11. 259, 271, 272 
 
 East V. Smith I. 471, 505 
 
 East Haddam Bank v. Scovil I. 480 
 
 Easterly i^. Pullen II. 650 
 
 Eastern Bank v. Brown I. 495 
 
 V. Capron II. 614 
 
 Eastern Star, The II. 86, 171, 172, 180 
 East India Co. v. Tritton II. 212, 489, 
 
 588 
 East London Water- Works Co. v. 
 
 Bailey I. 164 
 
 Eastman v. Fifield I 309 
 
 V. Laws II. 619 
 
 V. Plumer II. 216 
 
 Easton v. McAllister II. 643 
 
 V. Pratchett L 178, 192; II. 56 
 
 East River Bank v. Gedney I. 273 ; II. 74 
 
 Eastwood V. Kenyon I. 79 
 
 p:aton V. Bell I. 95 ; II. 425 
 
 V. Carey I. 199 
 
 V. Emerson II. 504 
 
 ». Melius 11.40 
 
 V. Taylor I. 148 
 
 Eaves v. Henderson II. 506 
 
 Ecoles V. Ballard I. 378, 380, 383 ; II. 25 
 
 P>fcrt V. Des Coudres I. 381, 382, 520 
 
 Echols V. Barrett II. 640 
 
 Eckel V. Jones II. 518 
 
 Eddy V. Bond II. 554. 555, 560 
 
 Edgar v Greer I. 37;{, 394 
 
 Edgecombe v. Rodd I. 215 
 
 Edgcll V. Stanford II. 266, 290, 309 
 
 I'Mgcrly V. Emerson I. 242 
 
 V. Shaw I. 67, 68, 73, 76 
 
 EdgiTton V. Aspinwnll II. 542 
 
 V. I'Mgcrton I. 228 
 
 Edie V. East India Co. I. 16, 163 ; II. 210 
 
 Edington v. Pickle II. 603 
 
 Edis V. Bury L 29, 63, 64 
 
 Ed meads V. Newman 11.613 
 
 Edmond v. Caldwell IL 151 
 
 Edmonds v. Cates I. 469 
 
 V. Goater II 650 
 
 Edmonston v. Drake I. 298 
 
 Edmunds v. Digges I. 103, 106, 194 
 
 V Downes II. 652, 654 
 
 V. Groves I. 189 : II. 487, 493 
 
 Edon V. Smyth II. 236 
 
 Edson V. Fuller L 282, 283, 285, 298,301 
 
 V. Jacobs I. 488 
 
 Edwards y. Bohannon IL 168, 169 
 
 i;. Brewer II. 178 
 
 V. Dick L 218; II. 407 
 
 V. Hasbrook I. 310 
 
 V. Jevons II. 130 
 
 V. Jones II. 501 
 
 v. M'Kee II. 298 
 
 V. Morris II. 89, 92 
 
 V. Moses I. 540, 546, 552; II. 71 
 
 D.Ronald 11.361,363,364 
 
 V. Scull II. 439 
 
 ». Tandy 1.585,586,595,601; 
 
 II. 516 
 
 V Thayer I. 446, 529 
 
 V. Todd II. 606 
 
 Effinger v. Henderson II. 647 
 
 Egan V. Threlfall IL 271 
 
 Egg V. Barnett II. 83, 84, 220 
 
 Ehringhaus ?). Ford II. 408 
 
 Eichelberger v. Finley I. 534, 535, 537, 
 
 548,549, 5.52, 5.53; IL 71, 73 
 
 Ekins V. East India Co. II. 369, 376 
 
 Elbert V. McClelland II. 544 
 
 Elder y. Warfield IL 132 
 
 Eldred v. Hawes I. 310 
 
 Eldridge v. Rogers I. 374 
 
 ElfordB. Teed L 306, 419 
 
 Elkins V. Edw.ards II. 632 
 
 EllettD. Moore II. 647 
 
 Ellicott». Martin 1. 188, 25.5, 259 ; IL 
 
 438 
 
 ». Nichols II. 654, 657, 658 
 
 Elliot's Case I. 29 ; II 586 
 
 Elliot r. Abbot I. 173 ; II. 445, 448 
 
 V. Co(>|)er I. '23 
 
 V. i:d wards II. lliS
 
 INDEX TO CASES CITED. 
 
 xHx 
 
 KUiot V. Heath 
 Elliott V. Brown 
 V. Connell 
 V. Dudley 
 V. Giese 
 V. Mills 
 V. White 
 Kllis V. Brown 
 
 II. 605 ! 
 
 II. 641, 651 
 
 II. 524 
 
 I. 124 
 
 II. 128 
 
 II. 663 
 
 I 646 
 
 II. 120, 132, 519 
 
 V. Ellis 
 
 V. Galindo 
 
 c. Hamilton 
 
 V. Mason 
 
 V. Ohio Life, &c. Co. 
 
 r. Commercial Bank I. 458, 478, 
 
 640, 641 ; II. 339 
 
 I. 26 
 
 I. 324, 325 ; II. 239 
 
 II. 502 
 
 I. 24 
 
 I. 321 ; II. 
 
 589, 598 
 
 V. Warnes II 419 
 
 V. Wheeler I. 33 ; II. 59, 66 
 
 V. Wild II. 37, 41, 102, 186, 589, 
 
 600, 602 
 
 Ellison V. CoUingridge I 24, 63 
 
 EUmaker ;;. Franklin F. Ins. Co. 11. 606 
 
 Ellsworth V. Brewer II. 94, 209, 455, 456 
 
 Elniinger v. Drew I. 209 
 
 Elsam V. Denny II. 456 
 
 Elting V. Brinkerhoff I. 338, 340, 378 ; 
 
 II. 57, 58, 72, 74 
 
 Elton V. Johnson 
 
 Elwood V. Deifendorf 
 
 Ely V. Bibb 
 
 r. Ely 
 
 V. Kilborn 
 
 V. Witherspoon 
 Emancipation, The 
 Emanuel v. Atwood 
 Emhlin v. Dartnell 
 Embree v. Hanna 
 Emerson v. Crocker 
 
 Emly, Ex parte 
 
 V. Lye I. 130; 
 
 II. 41 
 
 n. 126 
 I. 235, 240; II. 
 152, 154, 159, 202, 218 
 II. 141 
 II. 578, 580 
 n. 511, 525 
 II. 392 
 II. 173 
 II. 603 
 I. 308, 427 
 II. 387, 390 
 I. 264, 377, 381 
 
 V. Cutts II. 209, 455, 456, 485 
 
 V. Harmon I. 125 
 
 V. Miller II. 654 
 
 V. Murray II. 545, 577 
 
 V. Partridge II. 333, 387 
 
 V. Providence Hat Manuf. Co. 
 
 L 93,99, 105, 117, 167 ; II. 152 
 
 V. Thompson II. 659 
 
 Emery v. Day IL 639, 648, 657 
 
 V. Tichout II. 228 
 
 V. Vinall I. 41 
 
 Vol. J.—D e 
 
 Emmett v. Tottenham 
 Emmons v. Hayward 
 
 V. Overton 
 Emmott V. Kearns II. 
 
 Emory v. Greenough 
 English V. Darley I. 237 ; 
 240, 242, 243, 
 V. Trustees Indiana, 
 versity 
 English V. Wall I. 
 
 Ensminger v. Marvin 
 Enston v. Friday 
 Enthoven v. Hoyle 
 Erie Bank v. Gibson 
 Erwin v. Adams 
 
 V. Downs I. 27 
 
 V. Saunders 
 Esdaile v. La Nauze I. 107 
 V. Sowerby I. 
 
 Eskridge v. M'Clure 
 Eslava v. Lepretre 
 Esselstyn v. Weeks 
 Essex Co. V. Edmands 
 Estabrook v. Smith 
 Estes V. Blake 
 
 ;;. Kyle II. 
 
 V. Tower 
 Etheridge v. Binney 
 
 V. Ladd 
 Etter V. Finn 
 
 Etting V. Commercial Bank 
 V. Schuylkill Bank 
 
 Eubank v. Poston 
 Eure V. Eure 
 Evans's Case 
 Evans v. Bell 
 
 V. Bremridge 
 
 V. Bridges 
 
 V. Carey 
 
 V. Clover 
 
 V. Cramlington 
 
 V. Davies 
 
 V. Drummond I. 
 
 ti. Gee 
 
 V. Gordon 
 
 V. Gray 
 
 I. 1.30 
 
 105. 184, 
 
 185, 601 
 
 II. 443 
 
 II. 641 
 
 11.511 
 
 119, 126, 130 
 
 II. 325 
 
 n. 234, 239, 
 
 245, 249, 250 
 
 f^c ITni- 
 
 L 71 
 
 537, 545, 581 
 
 I. 128 
 
 II. 309 
 
 I. 33 
 
 L 237, 238 
 
 I. 311, 438 
 
 7, 362 ; IL 26 
 
 II. 512, 529 
 
 ; II. 212, 285 
 
 446, 528, 629 
 
 IL 167, 168 
 
 IL 425 
 
 IL 648 
 
 IL 122 
 
 II. 440, 448 
 
 IL 637 
 
 381, 383, 384 
 
 L 374 
 
 II. 393 
 
 I. 374 
 
 II. 646 
 
 IL 592 
 
 I. 476, 514, 
 
 515, 517 
 
 II. 167 
 
 II. 446 
 
 II. 413 
 
 II. 524 
 
 I. 232 
 
 L 350, 351 
 
 IL 649 
 
 IL 608 
 
 II. 4, 451 
 
 IL 656 
 
 135 ; II. 199 
 
 I. 351 
 
 I. 643 
 
 II. 338, 375
 
 INDEX TO CASES CITED. 
 
 Evans v. Hardeman 
 
 
 
 II. 641 
 
 r. Keeland 
 
 
 
 I. 236 
 
 V. Kymer 
 
 II 
 
 27, 
 
 265, 435 
 
 V. Negley 
 
 
 
 II. 406 
 
 V. Norris 
 
 
 
 I. 557 
 
 V. Prosser 
 
 
 
 II. 617 
 
 T. St. John 
 
 
 
 1.435 
 
 V. Smith 
 
 
 I. 
 
 256, 662 
 
 V. State of Ohio 
 
 
 
 II. 586 
 
 V. Underwood 
 
 
 
 I. 40 
 
 V. Whyle 
 
 II 
 
 41, 
 
 184, 185 
 
 Everard v. Watson 
 
 I. 
 
 468, 
 
 469, 470 
 
 Everett v. Collins 
 
 
 
 II. 85, 87 
 
 V. United States 
 
 
 
 I. 173 
 
 V. Vendryea 
 
 
 
 II. 359 
 
 Everly v. Rice 
 
 
 
 1.242 
 
 Everson v. Carpenter 
 
 
 
 1.76 
 
 Ewart V. Coulthard 
 
 
 
 ; .361 
 
 Ewer V. Clifton 
 
 
 
 II. 164 
 
 V. Myrick 
 
 
 
 II. 535 
 
 Ewing V. Sills 
 
 
 
 II. 9 
 
 Exchange Bank v. Monteath 
 
 
 I. 109 ; 
 
 * 
 
 
 
 II. 478 
 
 V. Rice 
 
 
 
 I. 294 
 
 Exchange, &c. Co. v. Boyce 
 
 
 I. 490 
 
 Exon V. Russell 
 
 
 I. 
 
 307, 428 
 
 Eyre v. Bartrop 
 
 
 
 I. 239 
 
 V. Everett 
 
 I. 
 
 237 
 
 ; II. 247 
 
 F. 
 
 Fabens v. Mercantile Bank I. 48« 
 
 Fackler v. Fackler II. 635 
 
 Fahnestock v. Schoyer II. 448 
 
 Fair v. M'lver II. 611 
 
 Fairbanks r. Dawson II. 654, 655 
 
 Faircliild v. Holly II. 226, 228, 229, 230 
 
 V. Ogdcnsburgh, &c. R. Co. 
 
 I. 309 
 
 V. 0. C. & R. R. Co. I. 288 
 
 Fairfield v. Adams I. 170; II. 439, 451 
 Fairlee v. Herring I. 28.5, 286, 293 
 
 Fairlcy v. Roch I. 317 
 
 Faith V. Richmond I. 135 
 
 Fako V. Eddy II. .■)75, 397 
 
 ?•. Smith II. 4.'(i 
 
 FalcH V. UuHsoll 298, aii'.t, .'!02 
 
 Fallowes r. Taylor I. 215 
 
 Fall River Union Bank v. Willard 
 
 I. 337, .348, 372 
 Falmouth v. Roberts 
 Fancourt v. Bull 
 
 V. Thome 
 Fannin v. Anderson 
 Fanning v. Consequa 
 v. Dunham 
 Fanshawe v. Peet 
 Fant V. Cathcart 
 Faribault v. Ely 
 Farley v. Cleveland 
 Farmer y. Rand 1.513,514 
 
 V. Russell 
 
 V. Sewiill 
 Farmers', &c. Bank v. Battle 
 
 II. 577 
 II. 265, 266, 293 
 I. 44 ; II. 147, 542 
 II. 636 
 II. 333, 376 
 II. 416 
 II. 474 
 I. 73 
 II. 491 
 II. 132 
 ; II. 556, 565 
 II. 62 
 II. 410, 428 
 I. 480, 484, 
 495, 4-97, 498 
 Bank v. Blaii II. 27 
 
 V. Brainerd I. 659, 660 
 & Mechanics' Bank of Kent 
 Co. V. Butchers and Dro- 
 vers' Bank I. 273 ; II. 75, 
 76, 478 
 &,€. Bank v. Butler I. 480, 482, 
 483 
 V. Catlin II. 498 
 
 Bank v. Clarke U. 652 
 
 i-.Duvall 1.367,370,373, 
 511, 512; II. 461, 492, 
 495 
 c. Gilson IT. 638 
 
 &c. Bank v. Harris I. 494 
 
 & Mechanics' Bank v. Ker- 
 
 cheval II. 137 
 
 Bank v. Reynolds I. 231, 232 ; 
 
 n. 101, 246, 297, 301, 302, 
 
 304, 312, 313 
 
 &c. Bank v. Rathbone I. 229, 
 
 326 
 
 & Mechanics' Bank v. Troy 
 
 City Bank I. 169, 173 
 
 Bank V. Vanmeter I. 537, 554, 
 
 556, 560, 648 
 
 V. Waples I. 585, 587 
 
 of Lancaster v. White 
 
 hill 11.476,496,497 
 
 Farnham v. Ingham II. 522 
 
 Farnsworth v. Allen I. 418 
 
 V. Drake I. 32
 
 INDEX TO CASES CITED. 
 
 Farnswoith i>. Shiirp. 
 Farnum v. Fowle 
 Farquhar v. Southey I 
 Farr v. Stevens 
 
 V. Ward 
 Farrar v. Gilman 
 Farries v. Elder 
 Farrington v. Brown 
 
 V. Frankfort 
 V. Gall away 
 FarwcU v. Ililliard 
 
 V. Kennett 
 
 V. Tyler 
 Fash V. Ross 
 Fasset v. Brown 
 Fatheree v. Fletcher 
 Fauntleroy's Case. 
 Favenc v. Bennett 
 Fawell »;. Heelis 
 Fay V. Bradley 
 V. Goulding 
 Fayle v. Bird 
 Fear v. Dunlap 
 
 V. Jones 
 Fearing v. Clark 
 Fearn v. Filica 
 V. Lewis 
 Fearon v. Bowers 
 Featherston v. Wilson 
 Feemster v. Kingo 
 Feise v. Wray 
 Felch V. Bugbee 
 Fellows r. Carpenter 
 
 V. Kress 
 
 V. Prentiss 
 Felton V. Dickinson 
 Fenhy v. Pritchard 
 Fenn v. Hairison 
 
 Fcnner v. Meares 
 Fenouille v. Hamilton 
 Fenton v. Goundry 
 
 V. White 
 Fentum ?;. Pocock 
 
 II. 577 
 
 I. 446, 528 
 
 . 324, 325; 11.559 
 
 II. 153, 181, 182 
 
 II. 399, 482 
 
 I. 173 
 
 II. 315 
 
 I. 601, 621 
 
 Bank 
 
 I. 
 
 27, 
 Fenwick, Ex parte 
 
 t,'. Sears I. 
 Ferdon v. Jones 
 Fereday v. Ilordern 
 
 V. Wi<rhtwick 
 
 I. 222 
 
 I. 235 
 II. 458 
 
 1.47 
 II. 439 
 
 I. 99 
 II. 475 
 II. 634 
 II. 210 
 II. 209, 227 
 II. 167 
 II. 425 
 II. 474 
 I. 308, 309, 425 
 II. 121 
 II. 443 
 II. 602 
 I. 119; II. 487 
 II. 651 
 n. 178 
 II. 505 
 
 II. 96 
 II. 177, 178 
 
 II. 364 
 
 II. 534 
 
 II. 221 
 
 I. 240 
 
 I. 297 ; II. 62 
 
 I. 224 
 
 . 117, 118; II. 15, 
 
 41, 105, 184, 601 
 
 11.62 
 
 I. 224 
 
 I. 305, 306 
 
 I. 68 
 
 229, 325, 326 ; II. 
 
 242, 249, 250, 515 
 
 II. 629 
 
 554 ; II. 326, 369 
 
 I. 221, 224, 261 
 
 II. 422 
 
 II. 413 
 
 Fergus V. The State II. 588 
 
 Ferguson v. Clifford II. 327 
 
 V. Crowson II. 645 
 
 r. Flower 11.319,342 
 
 V. Hill II. 529 
 
 V. King II. 440 
 
 V. Lothrop II. 615 
 
 V. Sprang II. 413 
 
 Fernandey v. Glynn I. 284, 328 ; II. 
 
 85, 570, 593 
 
 Fernandez >'. Lewis 1.338, 340, 345 
 
 Fernnn v. Farmer II. 45 
 
 Ferrall v. Shaen II. 410, 414, 417 
 
 Ferrers v. Shirley II. 475, 476 
 
 Ferris v. Bond I. 37 
 
 V. Henderson fl. 640 
 
 V. Ludlow II. 535 
 
 V. Saxton T. 395, 497 
 
 Ferry r. Ferry II. 424, 425 
 
 Person v. Sanger II. 6-29 
 
 Fiddy v. Campbell II. 245 
 
 Field V. Carr II. 208, 211, 231 
 
 V. Holland II. 223, 227, 228 
 
 V. New Orleans Delta Co. II. 121 
 
 V. Nickerson I. 264, 270, 375, 376, 
 
 377, 379, 519; II. 516 
 
 Fieldhouse v. Croft IL 92 
 
 Fields V. Mallett I. 408 
 
 Fink V. Cox L 178 
 
 V. Fink IL 55 
 
 V. Hake IL 615 
 
 Finn v. Gustin II. 466 
 
 Finnell ». Nesbit IL 618 
 
 Finney v. Brant II. 647 
 
 V. Shirley I. 25 
 
 V. Turner II. 577 
 
 F. & M. Bank of Memphis i;. White II. 95 
 
 Firman v. Bloo<l II. 120 
 
 First Congregational Soc. in Lyme v. 
 
 Miller II. 652. 6-.i6 
 
 Mass. Turnpike Co. v. Field II. 640 
 National Bank v. Hall I. 35 
 
 Firth V. Thrush 
 Fischer v. Hess 
 Fish r. Howland 
 v. Jackman 
 Fisher v. Beasley 
 V. Beckwith 
 V. Bidwell 
 V. Bradford 
 
 I. 500, 514, 527 
 
 II. 649 
 
 II. 167 
 
 I. 480 
 
 IL 417, 418 
 
 L 282, 285, 2.S7 
 
 II. 395, 402 
 
 IL 442
 
 Hi 
 
 INDEX TO CASES CITED. 
 
 Fislier v. Ciiiroll II. 297, 298, 302, 305, 30C 
 V. Ellis I. 202 ; II. 449 
 
 V. Evans I. 442, 492, 493 
 
 V. Fisher I. 176 
 
 V. Johnson II. 167 
 
 V. Lane II. 387, 390 
 
 V. Leslie I. 2.5 
 
 r. Mershon II. 293, 294, 297. 310 
 V. Otis II. 414 
 
 T. Fonifret I. 14 
 
 V. Price I. 578 
 
 V. Rieman II. 602 
 
 t'. State Bank I. 385, 483 
 
 Fishmongers' Company v. Robertson 
 
 L 163 
 
 Fisk V. Cushman I. 86 
 
 V. Holden II. 623 
 
 V. Wilson II. 629 
 
 Fiske V. Foster I. 651 ; II. 363 
 
 V. Eldidge I. 9-9 
 
 Fitch V. Bogue IL 291,297, 305, 310 
 
 V. Chapman II. 472 
 
 V. Jones I. 189,262; II. 438, 474, 
 
 493, 494, 577 
 
 V. Lawton I. 1 7P 
 
 V. Redding L 552, 603 ; IL 71 
 
 V. Sutton L 245 ; IL 217 
 
 Fitler v. Beckley I. 309 
 
 V. Morris I. 491 
 
 Fitzgerald v. Stewart I. 336 
 
 V. Trant II. 238 
 
 V. Williams L 550, 551 
 
 Fitzhugh V. liunyon II. 515 
 
 Flack V. Green L 395, 482 
 
 Flanagan v. Myer II. 626 
 
 Fleckner v. U. S. Bank I. 173; II. 7,419 
 
 Fleming v. Brook II. 89, 92, 188 
 
 V. Burge I. 25 
 
 V. Fulton I. 395, 401, 473 
 
 V. Gilbert II. 529 
 
 V. M'Clure I. 485, 607, 634 
 
 V. Nail L 47 
 
 V. INjtter I. 309 
 
 V. Simpson I. 205 
 
 Flcmming v. Denny I. 273 ; II. 74 
 
 V. M'Ciain II. 83 
 
 v. Mulligan II. 417, 419, 
 
 420, 427 
 
 V. PrcRCOtt I. 125 
 
 FlctftifT V. Blodgett I 434 ; II. 149, 540, 
 
 578 
 
 Fletcher v. Braddyll 
 V. Dana 
 V. Dysart 
 V. Froggatt 
 V. Gushee 
 V. Jackson 
 V. Manning 
 
 Flight V. Brown 
 V. Maclean 
 
 Flint V. Day 
 V. Pattee 
 
 II. 491 
 II. 440 
 
 I. 101 
 L 596, 597 
 
 L 188 
 IL 253 
 
 II. 83 
 IL 291, 309 
 L 18, 19, 20 
 
 IL 121, 124, 250 
 L 179; IL55 
 
 ». Rogers L 411, 414, 419 ; IL 462 
 Florence v. Drayson II. 394, 397, 398 
 
 V. Jenings II. 394, 398 
 
 Flower, Succession of IL 646 
 
 Floyd V. Day II. 94 
 
 Floyd's Acceptances I. 123 
 
 Floyer v. Edwards II. 406, 414, 418 
 
 Flynt V. Hatchett II. 634 
 
 Foard v. Johnson I. 492 
 
 V. Womack L 464, 538, 542 
 
 Foden v. Sharp I. 229, 309, 435 ; II. 341 , 
 
 376 
 
 Fogarties ». State Bank I. 62, 63 
 
 Fogg V. Middlesex Mut. F. Ins. Co. I. 51 
 
 Fogg t vSauyor II. lUl, 103, 105, 190, 
 
 192, 193, 194 
 
 V Vi/gir I. 98 
 
 Foland v. Boyd I. 525 
 
 Folgcr V. Chase L 171, 172, 436, 437 ; 
 
 IL 18, 569 
 
 Follain v. Dupre' I. 497, 498, 505 
 
 FoUett p. Buyer II. 614 
 
 V. Eastman II. 532 
 
 V. Steele II. 1.53 
 
 Folliott V. Ogden U. 318, 355,, .-558, 368 
 
 Folsom r. Mussey 1.212 
 
 Foltz V. xMcy II. 431 
 
 Fontaine v. Gunter II. 577 
 
 Foot V. Sabin I. 125, 127, 140 
 
 Foote V. Bragg II. 556 
 
 V. Brown IL 137 
 
 Forbes v. Smith II. 634 
 
 Forco V. Craig I. 26 
 
 Ford V. Adams II. 50 
 
 V. Atwatcr IL 207 
 
 V. Babcock 11. 635, 636 
 
 V. Beccli II. 237, 533 
 
 V. Clements II 637 
 
 V. Ford II. 5:-) 6 
 
 r. Hopkins II. 1 10. I i:)
 
 INDEX TO CASES CITED. 
 
 Ford V. Phillips I. 72, 76 
 
 Fordham v. Wnllis II. 657, 6G0 
 
 Fordred v. Seaman's Bunk I. 332 
 
 Foreman v. Wikoff I. 497 
 
 Forkner v. Dinwiddle 11. 610, 61 1 
 
 Forman v. Jacob II. 214, 474 
 
 r. Wright I. 212 
 
 Forney v Benedict II. 6.59 
 
 Forrest v. Elwes II. 409 
 
 Forster v. Clements II. 212, 285 
 
 V. Fuller I. 90, 161 
 
 Forsyth v. Ripley II. 628, 633 
 
 Fort V. Brunson II. 447 
 
 V. Cortes I. 311 
 
 V. Meaeher II. 577 
 
 Fortner v. Parliam I. 499, 51 1 
 
 Fortune ». Hayes II. 657 
 
 Foster I?. Andrews I. 124,128 
 
 V. Dawber II. 235 
 
 V. Hoyt II G08 
 
 V. Jolly I. 194 ; II. 522, 523 
 
 V. McDonald I. 482, 483, 484. 514 
 
 r. Mackay II. 293, 304, 307 
 
 V. Paiilk I. 273; II 71, 74, 84 
 
 r. Pearson I. 119; II. 187, 272, 273 
 
 Foster v. Shattuck I. 32 , II. 53, 448. 592 
 
 c. Sineath 1. 483 
 
 V. Stafford II. 502 
 
 ». Trustees of Athenaeum 11.167, 
 
 168 
 
 Fotheringham v. Price I. 554, 601 
 
 Fouke V. Fleming II. 334 
 
 Foute V. Bacon II. 649, 657 
 
 Fowke V. Bowie II. 230 
 
 Fowler r. Brantly II. 279 
 
 V. Brooks I. 235, 242 ; II. 239, 533 
 
 V. Bush II. 151 
 
 ». Garret II. 420 
 
 V. Hendon I. 513 
 
 V. I.awson II. 620 
 
 V. Ludwij^ II. 86, 151, 152, 153 
 
 ». Shearer I. 210 
 
 V. Willis II. 443 
 
 Fox V. Drake I. 98 
 
 V. Fisk II. 647 
 
 V. Frith I. 137 
 
 V. Reil II. 477 
 
 V. Whitney II. 468, 4 70 
 
 Frail v. Ellis II. 168 
 
 Fralick i: Norton I. 45 
 
 France v. Lucy 
 Francia v. Del Banco 
 
 V. Joseph 
 Francis' Case 
 Francis v. Nash 
 
 II. 498 
 I. 160, 182 
 
 I. 222 
 II. 585 
 
 II. 92 
 
 I'. Rucker I. 650, 654; II. 373 
 
 Frank v. Townsend I. 410 
 
 Franklin v. Beatty I. 79 
 
 f. Low 11.315 
 
 V. March I. 25 
 
 V. Vanderpool I. 537, 552 ; 
 
 IL 59, 71, 73 
 
 V. Verbois I. 448, 489 
 
 Bank v. Cooper II. 616 
 
 V. Freeman II. 67 
 
 V. Pratt II. 467, 469, 470 
 
 Fraser r. McConneli I. 235 
 
 Frazer v. Bunn II. 224 
 
 Frazier v. Harvie II. 594 
 
 V. Hyland II. 22<i 
 
 V. Warfield II. 334, 336, 341, 342 
 
 Freak ley v. Fox I. 162 ; II. 44 
 
 Frederick v. Cotton I. 14 
 
 Free v. Hawkins I. 321, 557,584 ; II 482, 
 
 484, 504, Wa, 589. 590 
 
 Freeman v. Boynton I. 230, 358, 367, 456, 
 
 597, 601 , 607 ; II. 262, 286. 298, 302 
 
 V. Brittin II. 407, 426, 428, 
 
 431, 469 
 
 o. Kennell II. 474 
 
 V. Perot I. 315, 318 
 
 V. Perry II. 46, 448 
 
 V. Ross I. 381, 407 ; II. 478 
 
 Freeman's Bank v. Perkins I. 57, 643 
 
 V. Rollins I. 236, 241 ; 
 
 II. 242, 245, 533 
 
 Freestone v. Butcher II. 210 
 
 Freli<,di v. Piatt I 200, 204 
 
 French v. Bank of Columbia I. 536, 541, 
 
 548, 555, 556, 557, 631 ; II. 494 
 
 V. Grindle IL 410, 428 
 
 V. Price II. 151, 202, 218 
 
 Frere, Ex parte II- 28 
 
 Prevail v. Fitch I. 26 
 
 Frey v. Kirk IL 360 
 
 Friend v. Beebe IL 519 
 
 V. Harrison I. 214 
 
 Friley v. White IL 634 
 
 Frink v Green I. 248 
 
 Frisbee v. Hoffnagle I. 210
 
 Hv 
 
 INDEX TO CASES CITED. 
 
 Frisbier. Larned II. 159, 162 
 
 Fritz V. Thomas II. 659 
 
 Frontier Bank v. Morse II. 100, 103, 105, 
 
 192, 193, 197 
 
 Frost V. Everett II. 526, 529 
 
 W.Frost 11.645 
 
 V. Wood I. 99, 107 
 
 Fry 0. Evans II. 61 1 
 
 V. Hill I. 267, 268, 338, 339, 344 
 
 V. Rousseau I. 47 
 
 Frye x. Barker I. 237 ; II. 241, 242, 245, 
 
 414, 656, 657 
 
 Fryer v. BroAvn II. 286 
 
 r. Roe 11.642 
 
 Fuu:it V. Ewing ■ II 616 
 
 Fulford T. Johnson II. 160, 181 
 
 Fuller's Case II. 4»3 
 
 Fuller v. Hooper I. 95, 102, 502, 524 
 
 V. Loring I. 237, 242 
 
 V. McDonald I. 576. 585 ; II. 25, 
 
 498, 516, 520 
 
 T Parrish II. 616 
 
 t'. Smith II. 37,38, 186, 600 
 
 Fullerton v. Bank of U. S. I. 436, 437, 
 
 510 
 
 FuUurton v. Rundlett II. 516 
 
 V Sturges I. 110 ; II. bl* 
 
 Fulton ». Matthews 11.245,533 
 
 V. Poole II. 62 
 
 Bank v. Beach II. 416 
 
 T. Phoenix Bank I. 222 ; 
 
 II. 107, 283, 298 
 
 Fulton Co. V. Wright I. 374 
 
 Fulwiler v. Jackson II. 428 
 
 Funes ». U. vS. Bank 1.311 
 
 Furlonge v. Rucker II. 399 
 
 Furman v. Ha.'<kin I. 264, 269, 378 
 
 Funiiss V. Gilchrist II. 604 
 
 r. Hollnnd II. 496 
 
 Fur/.c I). Sliarswood I. 132, 468, 4r)9, 4-71, 
 
 507; II. 489 
 
 Fu.'-.scll V. Dnniol II. 401, 410 
 
 Fussil V. Brookes II. 414 
 
 Fydell v. Clark II. 41, 156, 1.58, 184 
 
 G. 
 
 fiiililf, V. I'nrry 
 (Jntje Kiiidiilj 
 
 II. 617 
 
 II 43(;. 44:? 
 
 Gahn v. Niemcewicz I. 235, 239 ; II. 247, 
 
 533 
 Gaillard v. Ball II. 336, 376 
 
 Gaines v. Salmon II. 618 
 
 Gaithcr ;;. Farmers & Mechanics' 
 
 Bank I. 431 
 
 Gale V. Capern II. 617, 661 
 
 V. Grannis II. 406, 434 
 
 V. Kemper I. 435, 497 
 
 V. Luttrell II. 61 1 
 
 V. Walsii I. 533, 642 
 
 Gales V. Holland II. 625 
 
 Gallagher v. Roberts I. 370 ; II. 154, 181 
 
 Gallery v. Prindle I 303 
 
 Galloway v. Legan II. 406 
 
 Gallway v. Mathew (10 East) I. 129, 130, 
 
 133 
 Galoupeau v. Ketcimm II. 160 
 
 Galpin v. Hard I. 442, 449, 450, 451 
 
 Gal way v. Matthew (1 Camp.) I. 247 ; 
 
 II. 477 
 
 Gamage v. Hutchins II. 138 
 
 Gamble v. Grimes 1. 129 
 
 V. Hatton I. 46 
 
 Gamhril /-. Rose II. 414 
 
 Glames t Manning I. 310 
 
 Gammon v. Everett I. 310, 431 
 
 V. Schmoll I. 301, 307 
 
 Gannett v. Cunningham I. 144 
 
 Gano V. Samue' I. 140 
 
 Gan.^evoort ». Williams I. 124, 126, 141, 
 
 142 ; II. 478 
 
 Gantt V. Mackenzie II. 393, 396, 399 
 
 (Jardener v. Parker II. 54 
 
 (ianliner v. Jones I. 596 
 
 Gardner v. Baillie I. 106 
 
 c. Bank of Tennessee I. 639, 
 
 642, 645 
 
 V. Ferree I. 238 
 
 ». Flagg 11.414,418 
 
 V. Gager I. 223 
 
 V. Gorham II. 154, 157, 161, 218 
 
 V. Lee's Bank II. 326, 363 
 
 T. M'Mahon II. 654 
 
 V. Maxey I. 196, 215 
 
 V. Walsh II. 557, 582 
 
 r. Watson I 240 
 
 Garforth v. Brmllcy II. 4-^8 
 
 Garland v. Milling II. 645 
 
 1; Salem Bank 1. 246, 609
 
 INDEX TO CASES CITED. 
 
 Iv 
 
 Garlock v. Geortner 
 Garner v. The State 
 Garnett v. Macon 
 
 ('. Woodcock 
 Garrard v. Cottrell 
 
 ■V. Haddan 
 
 V. Woolner 
 Garrells v. Alexander 
 Garrett v. Garrett 
 
 w. Jull 
 Garrison v. Combs 
 Garson v. Green 
 Garth v. llohards 
 Gascoyne v. Smith 
 Gass 0. Stinson 
 Gaters v. Madeley I. 87, 
 Gates V. Parker 
 Gaul V. Willis 
 Gaunt V. Taylor 
 Gautier v. Franklin 
 Gautt V. Gautt 
 Gay V. Lander 
 Gazowav v. Moore 
 
 II. 265, 292, 293 
 
 II. 96 
 
 I. 250 
 
 I. 419, 641 
 
 II. 458, 487 
 
 II. 544 
 
 11.217 
 
 II. 475 
 
 11.638 
 
 I. 234 
 
 I. 99 
 
 II. 167, 169 
 
 II. 635 
 
 I. 208; II. 643 
 
 II. 230 
 
 88 ; 11.446,447 
 
 I. 299 
 II. 427, 428, 469 
 
 II. 82 
 II. 628 
 II 375 
 
 I. 17, 20 
 II. 506 
 
 Gazzam c. Armstrong I. 314, 317, 318, 320 
 
 Geary v. Physic 
 Geer v. Putnam 
 
 Geiger v. Cook 
 Geill V. Jeremy 
 General Smith, The 
 George v. Harris 
 
 V. Stockton 
 
 V. Surrey I. 23 
 
 Geortner v. Trustees, &c. 
 Geralopulo v. Wieler 
 Germain v. Steam Tug Indiana 
 Gerrish v. Sweetser 
 Gervis v. Baird 
 Getchell v. Heald 
 Gibb V. Mather 
 Gibbon v. Coggon 
 
 V. Featherstonhaugh 
 V. Scott 
 Gibbs f. Cannon I. 529 
 
 V. Chisolm 
 V. Cunningham 
 V. Fremont I. 651 
 
 V. Howard 
 V. Linabui"g 
 
 1.21 
 
 II. 16 
 
 I. 213 
 
 I 179, 206 
 
 I. 509 
 
 II. 170, 175 
 
 I. 203 
 
 I 204 
 
 II. 16, 480 
 
 I. 146 
 
 I. 320, 645 
 
 II. 170 
 
 II. 479 
 
 II. 475 
 
 II. 656 
 
 I. 307, 308, 426 
 
 I. 614, 647, 648; II. 
 
 497 
 
 II. 220 
 
 II. 529 
 
 ; II. 137, 139 
 
 II. 425 
 
 II. 607 
 
 II. 371 372, 
 
 395, 396, 399 
 
 II. .375 
 
 II. 544 
 
 Gihhs V. Merrill I. 67 
 
 Gil)son V. Conner I. 223 
 
 V. Cooke 1. 332, 333, 334 ; 
 
 11.46 
 
 V. Dickie I. 214 
 
 V. Gibson II. 532 
 
 V. Grosvenor II. 650 
 
 V. Hunter f. 32 ; II. 592 
 
 V. Irby I. 29 ; II. 528 
 
 V. Minet I. 8, 33, 331 ; II. 4, 212, 
 
 385 
 
 V. Peebles II. 221 
 
 V. Powell I. 18 
 
 V. Renne II. 528 
 
 V. Stearns II. 412 
 
 V. Tobey II. 162 
 
 Gienar v. Meyer II. 319, 366 
 
 Giffbrd, Ex parte II. 237 
 
 V. Allen I. 241 ; II. 245 
 
 Gilbert v. Dennis I. 230, 371, 436, 450 
 
 467, 470, 471, 472, 477 
 
 Gilchrist v. Ward II. 222 
 
 Giles V. Ackles I. 198 
 
 r. Bourne 1.41,49,386,427 
 
 Gill V. Cubitt I. 258 ; II. 270, 271, 273, 
 
 275, 276. 277 
 
 Gillespie ». Cammack I. 537, 54 4, 545, 
 
 V. Hannahan 1.371,450,451,452 
 
 453 
 
 V. Rosekrants II. 648 
 
 Gillet n. Fairchild 1.155 
 
 Gillett j;. Averill 1.436,437 
 
 V. Sweat II. 559, 577, 578 
 
 V. Whitmarsh II. 503 
 
 Gillighan v. Boardman II. 125, 128, 137, 
 
 142 
 Gillingham v. Gillinghara II. 628, 661 
 Gillispie v. Fort Wayne & Southern 
 
 R. R. Co. " II. 438 
 
 Gillson's Case II. 583 
 
 Gil ly ?;. Springer 1.311 
 
 Gilman v. Brown II. 167, 168 
 
 V. Cutts II. 633, 634, 635 
 
 V. Horseley I. 156; II. 446 
 
 V. Moore II. 507 
 
 V. Peck II. 103, 105, 107, 15.3, 
 
 193, 194 
 
 Gilmore v. Bussey II. 152 
 
 V. Carr II. 458
 
 Ivi 
 
 INDEX TO CASES CITED. 
 
 Gilmore v. Hague II. 486 
 
 Succession of, v. Bayly II. 615 
 
 Gilpin V. Enderby II. 422, 423 
 
 Gilson V. Gilson II. 532 
 
 Gindi-at v. Mechanics' Bank I. 483, 514 
 
 Giraid Bank v. Comly II. 522 
 
 Girarday v. Richardson I. 214 
 
 Gist V. Lybrand I. 450, 451, 483, 498 
 
 Givins v. Western Bank of Ga. II. 327 
 
 Glascock V. Rand I. 183 
 
 Glasfurd v. Laing II. 412 
 
 Glasgow V. Copeland I. 337 
 
 w. Pratte 1.311,432,477,503, 
 
 505 
 
 V. Stevenson II. 162 
 
 V. Switzer II. 443 
 
 Glasscock v. Bank of Mo. I. 498, 503, 504 
 
 V. Smith I. 146 
 
 Glazebrook v. Ragland II. 615 
 
 Gleason v. Moen II. 611 
 
 Glen Cove Mut. Ins. Co. v. Harroid 
 
 II. 129, 648 
 
 Glendinning, Ex parte I. 229, 241, 326; 
 
 II. 248, 249, 250 
 
 Glenn v. Noble I. 273 ; II. 59 
 
 V. Smith II. 161, 308 
 
 V. Thistle I. 483, 596, 601, 604, 620 
 
 Glennie v. Imri I. 21 1 
 
 Glossop V. Jacob I. 282 ; II. 488 
 
 Gloucester Bank v. Salem Bank 11. 99, 
 
 101, 190, 195. 598 
 
 V. Worcester II. 238 
 
 Glover V. Gracser II. 394 
 
 V. Thompson II. 295, 296, 486 
 
 Glyn V. Baker II. 33, 1 11, 112, 115, 116 
 
 Glynn c. Bank of England II. 287, 296, 
 
 297 
 Goad V. Hart 
 Golile i;. Gale 
 Godard v. Benjamin 
 Godbold V. Lambert 
 Godilard's Case 
 (Joddard c. Co.\ 
 
 T. Cunningham 
 
 V. Hill 
 
 V. Hodges 
 r. Ingram 
 V. Lyman 
 
 V. Merchants 
 
 Bank 
 
 I. 
 
 10<) 
 
 IL 
 
 176 
 
 II. 
 
 458 
 
 II. 
 
 640 
 
 I. 
 
 386 
 
 IL 
 
 228 
 
 II. 
 
 456 
 
 2, 509, 
 
 525 
 
 II. 
 
 524 
 
 II. 
 
 226 
 
 IL 
 
 658 
 
 II 5, 
 
 440 
 
 IL 38 
 
 80, 
 
 284, 
 
 5110 
 
 Goddard v. Pratt I. 168 
 
 Goddin v. Shipley I. 397, 399 ; II. 32C 
 Godin V. Bank of Commonwealth II. 81 
 Godley v. Godloe I. 493 
 
 Gogcl V. Jacoby IL 605 
 
 Goggerley v. Cuthbert II. 293, 435 
 
 Gold V. Phillips II. 132 
 
 Colder v. Foss II. 437, 454, 455 
 
 Gold-Hunter, The IL 170 
 
 Golding V. Grace II. 458 
 
 Goldman v. Davis I. 582 
 
 Goldsmid v. Lewis Co. Bank I. 222 
 
 II. 275 
 Goldsmith v. Bland I. 488 
 
 Goldstone v. Tovey I. 83 ; II. 489 
 
 Golightly V. Reynolds IL 111, 267 
 
 Gompertz v. Bartlett II. 39, 187, 592 
 
 Gonder v. Estabrook IL 634 
 
 Gooch V. Bryant IL 550. 577, 580 
 
 Good V. Cheesman II. 217 
 
 Goodacre v. Breame II. 465 
 
 Goodall V. Dolley I. 337, 533, 534, 536, 
 
 601 
 
 v. Polhill L317 
 
 V. Ray II. 604 
 
 V. Tucker IL 627 
 
 Goode V. Harrison I. 77 
 
 Gooden v. Amoskeag F. Ins. Co. II. 641 
 
 Goodenow v. DulBSeld II. 32 
 
 V. Tyler II. 150, 151 
 
 Gnodered v. Armour II. 292 
 
 Gooding V. Morgan II. 152 
 
 Goodlue V. Godley I. 419, 435, 436 
 
 V. Taylor I. 40 
 
 Goodman v. Eastman II. 549, 565 
 
 T. Griffin I. 238 
 
 V. Harvey I. 258 ; II. 187, 272, 
 
 273, 277,437, 438 
 
 V. Munks II. 383, 384 
 
 r. Norton I. 510 
 
 r. Simonds (19 Misso.) I. 115, 
 
 224 
 
 r. Simonds (20 How.) I. 223, 
 
 255, 259 ; IL 278, 279 
 
 Goodrich's Case II. 210 
 
 Goodrich v. Barney II. 161 
 
 V. Buzzcll II. 416, 420 
 
 V. Gordon I. 294 
 
 V. Stanley II. 46 
 
 Gofidr dge r. Ross I. 72 
 
 (ioodscll V. Myers I. 67, 73, 7$
 
 INDEX TO CASES CITED. 
 
 Ivii 
 
 Goodtitle v. Rraliaiii II. 476 
 
 Goodwin v. Coates I. 329; II. 183 
 
 V. Cremer II. 217, 219 
 
 V. Davenport II. 13 
 
 V. Hazzai-d II. 83, 393 
 
 V. Jones II. 373, 374 
 
 V. McGehee II. 620 
 
 Goodwyn v. Goodwyn II. 654 
 
 Goostrey v. Mead I. 644 
 
 Gordon v. Clmrcli II. 608 
 
 V. Drury II. 46 
 
 V. Montgomery I. 578 
 
 V. Parnielee I. 207 
 
 V. Phelps II. 372 
 
 V. Pitt II. 456 
 
 V. Price II. 153, 154, 157, 160, 
 
 204 
 
 V. Sutherland II. 561 
 
 Gore V. Buck II. 393 
 
 V. Gibson I. 149, 151 ; II. 6, 493 
 
 Gorgerat v. McCarty I. 358 ; II. 209 
 
 Go'-gier v. Mieville II. 33, 36, 114 
 
 Gorham v. Carroll II 470 
 
 Goshen, &c. Turnpike Co. v. Hurtin 
 
 1.41, 228, 408 
 
 Goss V. Nelson I. 39 
 
 c. Nugent II. 526 
 
 Goudy V. Gillam II. 657 
 
 Gough V. Danes II. 201, 229 
 
 V. Findon II. 5 
 
 V. Staats 1. 271 ; II. 73 
 
 Gould V. Coombs II. 561, 568, 573 
 
 ». Puller II. 253 
 
 V. Norfolk Lead Co. I. 117 
 
 V. Robson II. 239, 240, 242, 245, 
 
 246, 247 
 
 V. Segee I. 115, 254, 280 
 
 Goulding, Ex parte I. 125 
 
 Goupy V. Harden I. 103, 268, 338, 340, 
 
 342, 344 ; II. 24 
 
 Gove V. Vining I. 582, 588 
 
 Governor v. Carter * II. 92 
 
 Gowan v. I'orster II. 654, 655 
 
 V. Jackson . I. 264, 345, 502, 523, 
 
 524 
 
 Gower ». Moore I. 364, 447, 525, 530 
 
 Grace v. Smith II. 423 
 
 Graeff v. Hitchman I. 131 
 
 Grafton, The II. l7o 
 
 Grafioii IJiiiik r. Doe II. 642 
 
 Grafton Bank v. Flanders I. 122 
 
 V. Hunt II. 193 
 
 V. Kent I. 235 ; II. 515 
 
 V. Moore I. 640, 642, 643 
 
 V. Woodward I. 235 ; II. 529 
 
 Gragg V. Brown I. 290 
 
 w. Prye II. 620 
 
 Graham v. Adams I. 47 
 
 V. Cox II. 84 
 
 V. Keys II. 649, 651, 656 
 
 V. Partridge II. 619 
 
 V. Sangston I. 436, 470, 471, 637 
 
 Grand Bank v. Blanchard I. 369, 509 
 
 Grand Gulf Bank v. Archer II. 433 
 
 V. Wood II. 52 
 
 &c. Co. V. Barnes I. 498, 
 
 499, 514 
 
 Grandin v. Le Roy I. 226 ; II. 28 
 
 Gr&uite Bank v. Ayers I. 362, 423, 4.*6, 
 
 448, 460, 488, 489, 528 
 
 V. Ellis II. 445 
 
 Railway Co. v. Bacon II. 544 
 
 Grant v. Ashley II. 649, 657 
 
 V. Austen I. 291 
 
 V. Da Costa I. 193 
 
 V. Ellicott I. 184, 326 ; II. 27 
 
 V. Hawkes I. 129 
 
 V. Healey I 664 ; II. 370 
 
 V. Hotchkiss II. 141 
 
 V. Hunt I. 291 293 
 
 V. Jackson II. 481 
 
 V. Long I. 374 
 
 0. Mills II. 166, 168 
 
 V. Reid II. 298 
 
 V. Shaw I. 285, 298, 302 
 
 V. Vaughau I. 10, 12. 177; II. 68, 
 
 111, 114, 269, 276, 280, 288, 
 
 480, 592 
 
 V. Welchman I. 200, 203 
 
 Graves v. Clark II. 504 
 
 V. Dash I. 654 ; II. 342, 372 
 
 V. Hull IL 607 
 
 V. Key II. 472 
 
 V. Tucker I. 236 
 
 V. Wood II. 309 
 
 Gray, Case of II. 107 
 
 V. Adams II. 634 
 
 V. Bank of Kentucky I. 189; II. 
 
 438 
 
 i: Bell I. 2G8. 378, 381, 382, 383, 
 
 51 'J. 520, 559
 
 INDEX TO CASKS CITED. 
 
 Gray v. Brown I. 240; II. 249, 415, 
 
 416, 420 
 
 V. Donahoe I. 46 
 
 r. Fowler 11. 155, 410 
 
 V. Givens II. 6.39 
 
 V. Handkinson I. 210 
 
 V. Kernahan 11. 266, 292, 293 
 
 V. Mendez II. 646 
 
 r. Milner 1.61,62,289 
 
 r. Palmers II. 477, 487, 590 
 
 V. Wood I. 41 ; II. 443, 444 
 
 Greeley v. Thurston I. 411, 413, 417 ; 
 
 II. 213, 461, 462 
 
 V. Waterhouse II. 173 
 
 Greely v. Dow I. 240 
 
 V. Hunt I. 446 
 
 T. Smith II. 174 
 
 Green v. Ames II. 647 
 
 V. Darling I. 482, 487 
 
 •0. Davies 1.24,31 
 
 V. Deakin I. 125, 127 
 
 r. Dodge II. 137 
 
 V. Drebilbis I. 381 
 
 V. Goings I. 309 
 
 V. Jackson I. 57, 220, 456 
 
 V. Mor.>;e II. 415 
 
 V. Sarmiento 11. 359, 360 
 
 V. Skipworth I. 22 
 
 r. Stone II. 297 
 
 V. Sutton II. 465 
 
 Greenawalt v. Kreider 1. 238 
 
 Greene v. Ely II. 176 
 
 V. Farley I. 483 
 
 Greenhow v. Boyle I. 3.'3 
 
 Greening, Ex parte II. 5, 16 
 
 Grecnleaf v. Cook I. 210 
 
 V. Kellogg II. 424, 463 
 
 Greenough v. Smead II. 120, 121 
 
 Greenshields v. Crawford II. 479 
 
 Grecnslade v. Downer I. 138 
 
 Gri<cnslreet v. Carr II. 188, 263, 264 
 
 Greenwuy, Kx parte II. 287, 296, 297, 
 
 299, 302 
 
 V. Iliiidley I. 614 ; II. 497 
 
 Greenwood v. Curtis II. 151, 321 
 
 V. Pattison I. 199 
 
 Greer v. Perkins PI. 95 
 
 Gregg B. Gregg II. 629 
 
 Gregory p. Allen 1.594 
 
 V. Howard II. 479 
 
 Gregory v. Hurrill 
 V. Leigh 
 V. Paul 
 V. Pierce 
 V. Scott 
 
 V Thomas 
 
 V Walcup 
 Grellier v. Neale 
 
 II. 636 
 
 I. 36 
 
 I 84 
 
 I. 85 
 
 I. 210 
 
 II. 154 
 
 I. 313 
 
 II. 475 
 
 Greneaux v. Wheeler I. 256 ; II. 268, 275 
 
 Grew V. Burditt II. 604, 608 
 
 Grey v. Cooper I. 70 ; II. 3 
 
 Grice v. Ricks IT. 137 
 
 Gridley v. Dole 11. 505 
 
 V. Rowland II. 169 
 
 Griffin v. Ashby II. 660 
 
 V. Chubb II. 618 
 
 V. Evans II. 610 
 
 V. Golf I. 373, 401, 596, 598 
 
 V. The Justices II. 659 
 
 Griffing v. Harris II. 470 
 
 Griffith V. Cox II. 553 
 
 V. Reed II. 243 
 
 V. Williams II, 477 
 
 Griffiths V. Owen II. 151, 154 
 
 Griffon v. Jacobs I. 358 
 
 Grigby v. Oakes II. 91, 189, 620 
 
 Grigg V. Cocks II. 231 
 
 Griggs ». Howe I. 280; II. 11 
 
 Griggsby v. Hair II. 168 
 
 Grimes v. Talbot II. 304, 305 
 
 Grimshiw v. Bender I. 56, 650, 653 ; 
 
 II. 341, 346 
 
 Grimstead v. Briggs II. 565 
 
 Griswold v. Davis I. 50, 224, 230, 260, 280 
 
 V. Pitcairn II. 390 
 
 V. Slocum II. 125 
 
 V. Waddington I. 152 
 
 Grogan v. McMahon II. 603, 617 
 
 Grosvenor v. Flax & Hemp Manuf. Co. 
 
 II. 408 
 V. Stone I. 500, 540 
 
 Groth 0. Gyger I. 526 
 
 Grotoii V. Dallheim I. 529, 556, 595, 601 
 Grover v. Grover II. 53, 54, 55, 446 
 
 Groves i>. Stephenson I. 251 
 
 Grugeon v. Smith I. 468, 469 
 
 Grumbles v. Grumbles II. 630 
 
 Gruiirty V. Grundy II. 6-10 
 
 Grutacap v. Woulluise I. 664 
 
 Gihirdians of Lichfield Union v. Greene 
 
 n. 188
 
 INDEX TO CASES CITED. 
 
 Guernsey v. Burns 
 
 
 II. 
 
 437, 439 
 
 Hale 
 
 , Ex parte 
 
 IL 613 
 
 Guerry v. Ferryman 
 
 
 
 II. 46 
 
 
 V. Baldwin 
 
 II. 364 
 
 Guiuliard v. Superveile 
 
 
 
 II. 647 
 
 
 V. Burr 
 
 I. 364, 450, 525 
 
 Guidon V. Robson 
 
 
 
 II. 440 
 
 
 V. Gcrrish 
 
 I. 72,74 
 
 Guignard v. Parr 
 
 
 
 II. 642 
 
 
 V. Lawrence 
 
 II. 634 
 
 Gullett ». Hoy 
 
 
 
 II. 604 
 
 
 V. Russ 
 
 II. 568 
 
 Gunn V. Brantley 
 
 
 
 II. 629 
 
 Halk 
 
 ett, Ex parte 
 
 II. 174 
 
 V. Todd 
 
 
 
 II. 606 
 
 Hall 
 
 Ex parte 
 
 IL5 
 
 Gunson v. Metz 1 
 
 616, 
 
 618 
 
 ; II. 497 
 
 
 V. Cole 
 
 II. 241, 247 
 
 Gurly V. Gettysburg Bank 
 
 
 I. .507 
 
 
 V. Commonwealth Bank 1.109 
 
 Gurney v. Behrend 
 
 
 II 
 
 . 34, 116 
 
 
 V. Constant 
 
 II. 222 
 
 V. Langlands 
 
 
 II. 
 
 476, 477 
 
 
 ». Daggett 
 
 11.412 
 
 V. Womerslcy II. 37 
 
 39, 
 
 187, 589 
 
 
 V. Davis 
 
 IL 641 
 
 
 
 
 600 
 
 
 V. Farmer 
 
 I. 44; IL 130 
 
 Gustine r. Union Banl: 
 
 
 
 I. 241 
 
 
 V. Freeman 
 
 I. 596, 622 
 
 Gutteridge r. Smith 
 
 
 
 II. 479 
 
 
 V. Fuller 
 
 IL 80, 212, 285, 596 
 
 Guy V. Franklin 
 
 
 
 II. 395 
 
 
 V. Gentry 
 
 11.454 
 
 V. Harris 
 
 
 
 I. 25 
 
 
 V. Glidden 
 
 II. 605 
 
 V. Hull 
 
 
 
 II. 470 
 
 
 V. Green 
 
 L 570 
 
 r. Tarns 
 
 
 II. 
 
 652, 653 
 
 
 V. Haggart 
 
 IL 413 
 
 Guyard v. Sutton 
 
 
 
 I. 88 
 
 
 V. Hale I. 
 
 258 ; IL 275, 276, 468 
 
 Guyther v. Bourg 
 
 
 
 I. 578 
 
 
 V. Huse 
 
 IL 477 
 
 Gwinn v. Whitaker 
 
 
 II. 
 
 227, 228 
 
 
 V. Marston I 
 
 297 ; II. 62, 222, 223 
 
 Gwinnell v. Herbert 
 
 
 
 II. 25 
 
 
 V. Nasmith 
 V. Newcomb 
 V. Phelps 
 
 IL 635 
 
 II. 123, 125, 520 
 
 IL 477 
 
 H. 
 
 
 
 
 
 V. Rodgers 
 V. Smith 
 
 IL 137 
 I. 130, 247, 378, 382, 
 
 Ilackenberry v. Shaw 
 
 
 
 II. 392 
 
 
 
 3s3, 519 
 
 Hacket v. Martin 
 
 
 
 II. 472 
 
 
 V. Tufts 
 
 I. 32 
 
 Hackett v. Kendall 
 
 
 
 11. 634 
 
 Hall 
 
 V. Vt. & Mass 
 
 . R. R. Co. II. 636 
 
 Hackley v. Sprague 
 
 
 
 II. 420 
 
 
 r. Wilcox 
 
 I. 234 
 
 Haddock v. Bury 
 
 
 
 I. 596 
 
 
 V. Wilson I. 
 
 115, 276; IL 275,278 
 
 V. xMurray 
 
 
 I. 
 
 456, 508 
 
 
 V. Wood 
 
 II. 225 
 
 Hadduck v. Wilmarth 
 
 
 
 II. 470 
 
 Hall 
 
 2 V. Howell 
 
 L 371 
 
 Hadwen v. Mendisabal 
 
 (2C. 
 
 &F 
 
 .20) II. 
 
 Halliday v. McDou 
 
 gall I. 57, 506, 634, 
 
 
 
 
 154, 308 
 
 
 
 642 ; II. 324 
 
 V. Mendizabel 
 
 (10 J 
 
 B. 
 
 Moore, 
 
 
 V. Martinet 11. 495 
 
 477) 
 
 
 II. 
 
 151, 441 
 
 
 V. Waid 
 
 IL 661 
 
 Hagedorn v. Reid 
 
 
 
 n. 495 
 
 Hallifax v. Lyle 
 
 L 321 
 
 Hager v. Boswcll 
 
 
 
 I. 507 
 
 Hallowell v. Page 
 
 L659 
 
 Hagerty v. Scott 
 
 
 
 II. 641 
 
 Hallowell & Augusta Bank v. Howard 
 
 Hague V. French 
 
 
 1.41 
 
 , 49, 386 
 
 
 
 IL9I 
 
 Haigh V. Brooks 
 
 
 
 II. 130 
 
 Hals 
 
 ey V. Carter 
 
 IL616 
 
 Haine v. Tarrant 
 
 
 
 1.70 
 
 
 V. Salmon 
 
 L 516 
 
 Haines v. Dennett 
 
 
 II. 
 
 467, 470 
 
 Halstead v. Mayor of New York I. 165 
 
 Hair v. La Brouse 
 
 
 
 11. 507 
 
 
 V. Skelton 
 
 L 309, 425; IL 474 
 
 Haldeman v. Bank of Middletown I. 131 
 
 Haly 
 
 V. Brown I. 
 
 478, 482, 487, 490,491 
 
 Halden v. Crafts 
 
 
 
 II. 641 
 
 
 V. Lane 
 
 I. 84 ; II. 27 
 
 llales's Case 
 
 
 
 II. 584 
 
 Hamber v. Roberts 
 
 II. 479
 
 INDEX TO C»\SES CITED. 
 
 Hamiiker r. Eherle}' 
 
 
 I. 198 
 
 Hamelia v. Brack 
 
 U. 
 
 331, 56,6 
 
 Hamer v. Harrell 
 
 
 II. 4CT6 
 
 V. Johnson 
 
 I. 
 
 311, 366 
 
 Hamilton v. Le Gmn;j^e 
 
 
 U. 4?.4 
 
 V. Myrick 
 
 
 I 45 
 
 V. Seaman 
 
 I. 
 
 145, 147 
 
 t>. Smith 
 
 
 I 471 
 
 V. Summers 
 
 
 I. 128 
 
 Hammer v. Rochester 
 
 
 II. 228 
 
 Hammersley v. Knowlys 
 
 
 II. 230 
 
 V. Purling 
 
 
 11.82 
 
 Hammett v. Yea 
 
 
 II. 410 
 
 Hammond's Case 
 
 
 II. 476 
 
 Hammond v. Aiken 
 
 
 I. 131 
 
 V. Anderson 
 
 
 II. 166 
 
 V. Chamberlin 
 
 II. 
 
 119, 141 
 
 V. Dufrene 
 
 
 I. 549 
 
 V. Hammond 
 
 
 II 647 
 
 V. Hopping 
 
 II 
 
 292, 420 
 
 V. Messenger 
 
 
 II. 45 
 
 V. Plank 
 
 
 II. 292 
 
 V. Smith 
 
 
 II. 414 
 
 Hamor r. Moore 
 
 
 II. 55 
 
 Hampshire Bank t'. Billings 
 
 
 I. 245 
 
 Haiic<3 V. Miller II. 
 
 136, 
 
 139,439 
 
 Hanchct v. Birge 
 
 
 11.510 
 
 Hanchett v. Gray 
 
 
 II. 607 
 
 Hancock v. Bliss 
 
 
 II. 649 
 
 V. Bryant 
 
 
 I. 238 
 
 Hancock v. Fairfield 
 
 
 II. 519 
 
 Hancock Hank v. Joy 
 
 
 I. 81 
 
 Handy v. Dobbin 
 
 
 11. 188 
 
 Hank v. Crittenden 
 
 
 II. IS" 
 
 Hankey v. Hunter 
 
 
 n. 226 
 
 V. Smith 
 
 
 n. 605 
 
 V. Trotman 
 
 I. 378; n. 72 
 
 V. Wilson 
 
 
 II. 486 
 
 Hankins v. Slioup 
 
 
 II. 604 
 
 Haiks V. Deal 
 
 
 I. 70 
 
 V. Dun lap 
 
 
 11.31 
 
 V. M'Kce 
 
 
 II. 207 
 
 Hanrick v. Andrews 
 
 
 II. 379 
 
 V. I'artners' Bank 
 
 
 I. 6.50 
 
 Hansard v. Wobinson I. 2.30 ; 11 
 
 . 85,215, 
 
 280, 287, 292, 294, 29.') 
 
 296 
 
 302, 311 
 
 nansbrongh v. Gray I. 229 
 
 , 326 
 
 558, 648 
 
 Harbfck v. Craft 
 
 1.27 
 
 •); 11. 74 
 
 Iliirbcrt r. Dumont 
 
 
 I. 240 
 
 Ilarboli! /■. Kiiiitz 
 
 
 II. 649 
 
 Hardee v. Dunn 
 Harden v. Palmer 
 Harden v. Wolf 
 Ilardesty v. Newby 
 Hurdle v. Mills 
 Hardin v. Branner 
 Harding v. Mott 
 Hardman v. Bellhouse 
 Hardwick v. Blanchard 
 
 II. 639 
 II. 635, 636 
 II. 542 
 II. 485 
 11.48 
 II. 162 
 II. 469 
 II. 217 
 II. 466 
 
 Hardy v. Collector-General II. 150, 154 
 
 V. Corlis II. 618 
 
 V. Waters I. "1 
 
 V. Woodroofe I. 307, 427, 428 
 
 Hargous v. Lahens I. 661 
 
 Hargrave o. Dusenberry .II. 38, 101, 186, 
 
 189, 600 
 
 Hargreaves v. Hutchinson II. 409 
 
 V. Michell II. 629 
 
 Harick v. Jones II. 431 
 
 Harker v Anderson I. 407, 537 ; 11. 57, 
 
 58, 59, 67, 71, 73 
 
 V. Brink II. 373 
 
 V. Conrad II. 227 
 
 Harlan v. Seaton II. 639 
 
 Harley v. Greenwood II. 155 
 
 V. Thornton II. 98, 103, 105, 193 
 
 Harlow v. BoswcU II. 510 
 
 Harnian r. Anderson 11. 166 
 
 V. Lasbrey II. 466 
 
 Harmer c. Bell II. 170 
 
 V. Killing I. 73 
 
 Harmer o. Steele II. 441 
 
 Hariior «. Groves II. 524 
 
 Hain>liar;;er v. Kinney I. 241 
 
 Hari.>l.ergcr v. Geiger II. 245, 533 
 
 Harper /;. Butler II. 353, 374 
 
 V. Calhoun I. 173 
 
 V. Gilbert II. 24 
 
 V. Hampton II. 318, 350 
 
 V. The State II. 558 
 
 Ilarrel v. Bixler I. 395 
 
 V. Petty II. 609 
 
 Harrell v. Marston I. 39 
 
 Harriman v. Hill II. 444 
 
 Harrington v. Fry II. 479 
 
 V. Iiduibitants of Lincoln 
 
 11.479 
 
 V. Lee I. 207 
 
 V. Stratton I. 209 
 
 Ilairis I. AU;xan(l('r I. 48.3
 
 INDEX TO CASES CITED. 
 
 Ixi 
 
 Harris v. AUnutt I. 601, 604, 620 
 
 V. Boston II. 407, 411 
 
 T. Brooks I. 2.33, 235, 242. 250; 
 
 II. 503, 515 
 
 V. Caston II. 509 
 
 V. Clark I. 179, 290, 331, 332, .335, 
 
 363 ; II. 55, 56, 59, 60 
 
 r. Farwell II. 200 
 
 V. Lindsay II. 200 
 
 V. Mandeville II. 326, 361, 369 
 
 V. Memphis Bank I. 494 
 
 V. I'-.u-kiii- I. 362, 365, 426 
 
 V. Pierce II 519 
 
 V. Robinson I. 490, 491, 505 
 
 V. Roof I. 214 
 
 V. Shipway II. 264 
 
 V. Wall 1. 67, 72, 77 
 
 V. Warner II. 253 
 
 Harrisbur<^ Bank v. Forster 11. 469 
 
 Harrison v. Close I. 250 
 
 V. Courtauld I 229. 326 ; II. 
 
 248, 249, 250 
 
 V. Crowder I. 419, 435 
 
 V. Dickson II. 399 
 
 V. Edwards II. 339 
 
 V. Fane I. 68 
 
 V. Hannel II. 415, 420 
 
 V. Henderson II. 608 
 
 V. Ruscoe I. 473, 476, 499, 504, 
 
 505 
 
 V. Smith I. 30t 
 
 V. Stacy II. 383 
 
 V. Sterry II. 319, 360, 36'^ 
 
 I'. Williamson I. 300, 336 
 
 V. Young II. 361 
 
 Harrow v. Dugan I. 25 ; II. 450 
 
 Harryman v. Robertson II. 301 
 
 Harsh v. Hanauer II. 627, 644 
 
 Hart V. Alexander II. 200 
 
 V. Boiler II. 1.54, 160, 204, 218 
 
 V. Dewey II. 223 
 
 V. Dorman II. 228 
 
 V. Green T. 309, 311, 432 
 
 V Hudson I. 241 ; II. 130, 135, 141 
 
 V. King II. 296 
 
 r. Long 1.311,596,598,610 
 
 V. M'Intosh II. 468 
 
 V. Missouri State Mut. F. & M. 
 
 Ins. Co. I. 165 ; II. 619 
 
 '•. Nash II. 655 
 
 / 
 
 Hart V. Palmer 
 V. Potter 
 V. Prendergast 
 V. Smith 
 V. State 
 V. Stephens 
 V. Wilson 
 V. Wiiidle 
 
 Harter b. Comstock 
 V. Moore 
 
 II. 493 
 
 I. 189 
 
 II. 649 
 
 I. 405 
 
 IL 588 
 
 L 87, 88; IL 447 
 
 II. 495 
 
 I. 358; II. 442 
 
 IL 624 
 
 I. 241 ; II. 533 
 
 Hartford Bank v. Barry I. 1 73, 358, 
 
 359, 385 ; II 209 
 
 V. Hart I. 478 ; IL 492, 
 
 594 
 
 V. Stcdman I. 358, 483, 
 
 509 
 
 Hartley v. Case I. 416, 466, 469, 516 ; 
 
 II. 214 
 
 V. Hitchcock II. 165 
 
 V. Manton L 328 ; II. 236 
 
 V. Wilkinson I. 43 ; II. 539 
 
 Hartman v. Burlingame I. 237 
 
 Hartness v. Thompson I. 249, 250 
 
 Hartop V. Hoare II. 158 
 
 Hart's Case I. 113 
 
 Hartshorn v. Green II. 438 
 
 Hartwell v. Candler I. 432 
 
 Harvey, Ex parte I. 241 
 
 V. Archbold II. 376, 378 
 
 V. Brooks II. 444 
 
 V. Kay I. 62 
 
 V. Laflin IL 513 
 
 V. Martin I. 282, 284 
 
 V. Sweasy I. 248 
 
 V. Towers I. 188 ; IL 283, 493 
 
 V. Troupe I. 596, 597, 608 
 
 Harwell v. Steel II. 615, 646 
 
 Harwood v. Jarvis I. 545, 647 
 
 V. Kiersted II. 126 
 
 Hasbrook v. Palmer I. 47 
 
 Hascall v. Whitmore I. 261 
 
 Hasey v. White Pigeon B. S. Co. I. 63, 
 
 288 
 Haskell v. Boardman I. 572 
 
 Iluskins V. Dunham II. 94 
 
 Haslett V. Ehrick L 515; IL 251 
 
 V. Kunhardt I. 445 
 
 Hastings v. McKinley II. 53 
 
 V. Wiswall II. 424. 425 
 
 Hilt h y. Dennis 11.472
 
 Jxii 
 
 INDEX TO CASES CITED. 
 
 Hatch v. Dickinson II. 570 
 
 V. Searles I. 109, 258; II. 271 
 
 r. Spearin II. 530 
 
 T. Spoffoid II. 636 
 
 V. Trayes I. 193 
 
 Hatcher ». Hatcher II. 167 
 
 V. McMorine II. 336, 339, 340 
 
 r. Stalworth I. 285 
 
 Hatchett v. Baddelej I. 78 
 
 Hatfield v. Perry II. 495 
 
 Hathaway v. Haskell II. 658 
 
 Hatten v. Robinson II 94 
 
 Hatz V. Snyder - II. 47 1 
 
 Hauck V. Hund II. 502 
 
 Haussonllier v. Hartsinck I. 44 ; II. 22 
 
 Haven v. Hobbs I. 92, 200 
 
 V. Hudson II. 411 
 
 Havens v. Huntington II. 95 
 
 V. Talbott I. 584 
 
 Haviland v. Bowerbank II. 392 
 
 Hawes v. Armstrong II. 128, 130 
 
 V. Dunton I. 125 
 
 Hawkes's Case I. 61, 289 
 
 Hawkes v. Phillips II. 121, 126 
 
 V. Salter I. 482, 512 
 
 Hawkeswood's Case II. 583 
 
 Hawkey v. Borwick I. 427 
 
 Hawkins v. Barney II. 381 
 
 V. Fcllowes II. 564 
 
 V. Ramshottom I. 247 
 
 e. Run 1.481 ; II. 100, 316,492 
 
 T. Thompson II. 244 
 
 r. Watkins I. 47 
 
 Hawkinson v. Olson I. 446 
 
 Hawley v. Foote IT. 8C,, i^y 
 
 V. SI..O II. .S7G 
 
 Ilaxtun V. Bishop I. 309, 310, 430, 431 ; 
 
 II. 88, 91, 445, 604 
 
 Hay V. Goldsmid I. 106 
 
 Hayden v. Johnson II. 650 
 
 Ilaydock v. Lynch I. 43 
 
 Haydon v. Williams II. 648, 654 
 
 Hayes r. Ward I. 242 
 
 Hayling v. Mulhall II. 2.34 
 
 Huynes v. Bi-cknian I. 171 
 
 V. Birks I. 514, 515, 516 ; II. 213 
 
 V. Foster I. 119; 11.265,271,293 
 
 V. Harrison II. 223 
 
 V. Prothro II. 605 
 
 r. Thorn I. 178; II. 624 
 
 Hays V. Cage 
 
 V. M'Clurg 
 V. McFarlan 
 V. Mouille 
 V. Stone 
 
 II. 627 
 
 II. .308 
 
 I. 215 
 
 II. 178 
 
 II. 154, 161, 218 
 
 Hayward v. Hapgood II. 638 
 
 V. Hayward I. 86, 87 ; II. 447 
 
 V. Lc Baron II. 406, 434 
 
 Haywood v. Chambers I. 216 
 
 Hazard v. Loring II. 623 
 
 V. Smith II. 420 
 
 Hazelbaker v. Reeves II. 652 
 
 Hazelhurst v. Kean II. 339, 342 
 
 Hazelton Co. v. Ryerson I. 478, 497, 498 
 
 Hazelton v. Colburn I. 271 
 
 Head v. Sewell I. 306 
 
 Heald V. Warren 11.153 
 
 Healey v. Storey I. 170 
 
 Healy v. Oilman I. 552; II. 71, 83, 84 
 
 V. Gorman II. 371, 379 
 
 Heath, Ex parte I. 534, 543, 555, 557 
 
 V. Chilton I. 156 
 
 V. Hall 11. 53 
 
 V. Key I. 237 
 
 V. Percival II. 199 
 
 V. Sansom I. 185, 186, 187; 
 
 II. 266, 493 
 
 V. Van Cott II. 121 
 
 Hcaton v. Hulbert II. 132, 137 
 
 Heaverin v. Donnell I. 301 ; II. 509 
 
 Ilebden v. Hartsink II. 182, 436 
 
 Heckert's Appeal II. 629 
 
 Heckscher v. Binney II. 518 
 
 Hedger v. Horton II. 471 
 
 V. Stcavenson I. 4^8, 469 
 
 Hedges V. Scaly II. 46. 604 
 
 Iledley v. Bainbridge I. 138 ; II. 478 
 
 Heffelfinger i'. Shutz II. 577, 579 
 
 Heffner v. Wcnrich II. 550, 577 
 
 Ilcfford jr. Morton II. 240, 533 
 
 Ileilbron v. BisscU II. 224, 228 
 
 Hcllings V. Hamilton 11. 98, 107 
 
 Helmc c. Middleton I. 449 ; II. 87, 206 
 
 Helmsliy V. L..:,der II. 479, 480, 489 
 
 IIcl|)S V. Winicrbottom II. 642 
 
 Ileniings v. RobiTisoii H. 486 
 
 Hem men way v. Brail ford II. 94 
 
 w. Stotie I. SM, 264 ; 
 
 II. 215, 560 
 
 Hemming i;. Brook 11.218,219
 
 INDEX TO CASES CITED. 
 
 Ilciiuning v. Treneiy 
 
 
 n. 580 
 
 Herrick v. Malin 
 
 
 
 IL .582 
 
 Hemp V. Garland 
 
 
 11. 644 
 
 V. Orange Co. R 
 
 ank 
 
 
 I. 246 
 
 Hemphill ». Bank of Al 
 
 abama 
 
 I. 109 
 
 V. Whiting 
 
 
 
 II. 600 
 
 V. Hamilton 
 
 
 I. 155 
 
 V. Whitney II. 
 
 37 
 
 38, 
 
 482, 485, 
 
 Hempstead v. Reed 
 
 
 II. 359 
 
 
 
 
 589 
 
 Henderson v. Anderson 
 
 
 II. 468 
 
 V. Wooherton 
 
 
 
 I. 268 
 
 V. Appleton 
 
 II. 
 
 105, 183 
 
 Herries v. Jamieson 
 
 
 
 II. 424 
 
 r. Australian 
 
 Royal 
 
 Mail 
 
 Herring v. Dorell 
 
 
 
 L 198 
 
 Steam Nav. Co. 
 
 L 163 
 
 V. Sanger 
 
 
 
 II. 200 
 
 V. Fox 
 
 
 I. 68 
 
 Hertle v. Schwartze 
 
 
 
 IL 629 
 
 T. Gillian 
 
 
 II. 609 
 
 Hervey v. Harvey 
 
 
 II 
 
 550, 571 
 
 V. Irby 
 
 
 IL 266 
 
 Hesketh v. Fawcett 
 
 I 
 
 245 
 
 ; IL 621 
 
 V. Johnson 
 
 
 IL 128 
 
 Hess V. Werts 
 
 
 
 IL89 
 
 V. Lewis 
 
 
 II. 609 
 
 Hestres v. Petrovie 
 
 
 
 L 499 
 
 w. McDuffee 
 
 
 II. 253 
 
 Hetficld V. Newton 
 
 
 
 IL411 
 
 V. Po])e 
 
 
 IL 68 
 
 Hetherington v. Kemp 
 
 I. 
 
 481 
 
 ; IL 491, 
 
 V. Wilson 
 
 
 IL 550 
 
 
 
 
 496 
 
 Hendricks v. Franklin I. 654 ; II. 342,371 
 
 Ileubach v. MoUmann 
 
 
 
 L 104 
 
 V. Judah 
 
 I 381 ; IL 9 
 
 Hevener v. Kerr 
 
 
 
 11.92 
 
 Henfree v. Bromley 
 
 
 IL 574 
 
 Hevey's Case 
 
 
 
 II. 583 
 
 Henlyf. Streeter 
 
 
 IL 621 
 
 Hewet V. Good rick I. 
 
 245 
 
 ; n 
 
 240, 533 
 
 Henman v. Dickinson 
 
 II. 
 
 549, 577 
 
 Hewett V. Buck 
 
 
 
 II. 170 
 
 Henning v. Werkheiser 
 
 
 II. 554 
 
 Hewitt V. Thompson 
 
 
 
 L 485 
 
 Henriques v. Dutch W. 
 
 I. Co. 
 
 II. 358 
 
 Hewlett V. Hewlett 
 
 
 
 IL 634 
 
 Henry v. Bishop 
 
 
 IL 477 
 
 Heydon v. Thompson 
 
 
 II 
 
 494, 580 
 
 V. Coleman 
 
 
 II. .540 
 
 Heylyn v. Adamson 
 
 I. 
 
 443 
 
 ; IL 181 
 
 V. Flagg 
 
 
 IL 424 
 
 Heys V. Heseltine 
 
 
 
 II. 489 
 
 r. Hazen 
 
 
 L45 
 
 Heytle v. Logan 
 
 
 
 II. 406 
 
 V. Jones 
 
 L 373, 
 
 38.5, 386 
 
 Hey ward v. Lorn ax 
 
 
 
 IL 227 
 
 V. Lee 
 
 
 L 419 
 
 Ileywood v. Perrin 
 
 II. 
 
 146, 
 
 512, 540, 
 
 V. Raiman 
 
 II 
 
 623, 626 
 
 
 
 
 541, 542 
 
 V. Sargeant 
 
 II. 
 
 327, 369 
 
 V. Waring 
 
 
 
 IL 165 
 
 V. Scott 
 
 
 L 255 
 
 Hiatt ». Hough 
 
 
 
 IL 645 
 
 T. Thorpe 
 
 
 II. 633 
 
 V. Simpson 
 
 
 
 II. 519 
 
 Ilenschel v. Mahler 
 
 
 L41 
 
 Hibblewhite v. M'Morine 
 
 
 
 II 35, 36 
 
 Henshall v. Roberts 
 
 I. 
 
 155, 156 
 
 Hickerson v. McFaddin 
 
 
 
 II. 618 
 
 Henshaw v. Coe 
 
 
 II. 244 
 
 Hickling v. Hardey I. 329, 
 
 339 
 
 351 ; IL 
 
 V. Liberty M. 
 
 F. & L. 
 
 Ins. Co. 
 L 310 
 
 Hickman v. Reineking 
 
 
 
 154. I5.i 
 I. 126 
 
 Hepburn ». Hoag 
 
 
 II. 605 
 
 V. Ryan 
 
 
 
 I. 509 
 
 V. Ratliff 
 
 I 
 
 4*t« 198 
 
 Hid ok T. Ilickok 
 
 
 
 11. 63 ) 
 
 v. Toledano 
 
 I. 
 
 455, 458 
 
 Hicks V. Brown II. 3 
 
 26, 
 
 336, 
 
 343, 346, 
 
 Herbert r. Huie 
 
 L 110 
 
 111, 115 
 
 
 
 J>47, 
 
 359, 371 
 
 Herd v. Bissel 
 
 
 IL5U 
 
 V. Duke of Beaufort 
 
 I. 
 
 604, 614, 
 
 Herkimer County Bank 
 
 V. Cox 
 
 I. 634 
 
 
 
 
 618 
 
 Hern v. Nichols 
 
 
 L 273 
 
 V. Hinde 
 
 
 
 L 94, 96 
 
 Herndon ». Givens 
 
 
 II. 304 
 
 V. Hotchkiss 
 
 
 
 IL 361 
 
 Herrick v. Bennett 
 
 
 I. 381 
 
 t. Lusk 
 
 
 
 IL 658 
 
 V. Borst 
 
 I. 
 
 235, 237 
 
 Hidden v Bishop 
 
 
 
 II 143 
 
 V. Carman 
 
 IL 120 
 
 443, 459 
 
 V. Cozzens 
 
 
 
 IL 651
 
 Ixiv 
 
 INDEX TO CASES CITED. 
 
 Higgens's Case 11. 154 
 
 Higgins V. Mervin II. 412 
 
 V Morrison II. 317, 502, 596, 621 
 
 v. Nichols 
 V. Packard 
 T. Scott 
 V. Watson 
 
 Higginson v. Gray 
 Higgs r. Holiday 
 V. Warner 
 Highraore v. Primrose 
 Ilightower v. Ivy 
 
 I. 44; 
 
 I. 425 
 II. 179, 217 
 II. 631 
 11.125, 302, 
 303, 305 
 I. 199 
 11.110,113 
 II. 647 
 I. 194 
 I. 446, 529, 584 ; II. 
 246, 501 
 
 Hildebura r. Turner 
 Hill r. Beebe 
 
 ■B. Bostick 
 
 V. Buckminster 
 
 r. Bull 
 
 V. Butler 
 
 V. Calvin 
 
 V. Crary 
 
 V. Ely 
 
 T. Gaw 
 
 V. Gayle 
 
 V. George 
 
 V. Halford 
 
 r. Heap 
 
 r. Josselyn 
 
 i;. Kendall 
 
 V. Kroft 
 
 r. Lackey 
 
 r. Lewis 
 
 V. Martin 
 
 V. Meeker 
 
 V. Norris 
 
 r. Norvell 
 
 V. Planters' Bank 
 
 r. Snutherland 
 
 ». Swcetser 
 
 t. Tucker 
 
 V, Varrell 
 
 llillianl v. Walker 
 
 Hills V. Bannister 
 
 V. Manies 
 
 V. Place 
 
 Hilton V. IJurlcy 
 
 V. I'"aircIoii;,'h 
 V. Slieifhenl 
 V. Smith 
 
 I. 645 
 IL 159 
 II. 247 
 
 L 179 
 
 II. 240 
 
 II 610 
 
 IL 577 
 
 II. 484 
 
 II. 519 
 
 II. 69, 504 
 
 II. 220 
 
 II. 376 
 
 I. 39 
 
 L 338, 584. 6.30 ; II. 73 
 
 II. 663 
 
 II. 652, 660, 661 
 
 I. 256. 260 
 
 IL 301, 305 
 
 I 391 ; II 45 
 
 L 537, 630 
 
 II. 424 
 
 L 538, .539, .545, .546 
 
 I. 385, 490 
 I. 514 
 
 IL 224, 226 
 
 I. 232 
 
 II. 627. 643 
 
 I. 490, 491, 492 
 
 II. 607 
 
 I. 97, 169, 209 
 
 II. 565. 57(;, 577 
 
 II. 311 
 II. 224. 220, 227 
 
 I. 5i;i 
 I. 269, .504, 5()7 
 
 II. 44. 4'.)4 
 
 Hinchnian v. Lyhrand II. 176 
 
 Hinckley v. Marceur II. 367 
 
 Hindler. O'Brien II. 416 
 
 Hine v. Allely I. 427, 435, 438, 457 
 
 V. Handy II. 410 
 
 Hinely v. Margarita I. 73, 74 
 
 Hines v. Ingham I. 240 
 
 Hinesburgh v. Sumner I. 215 
 
 Hinsdale v. Miles L 368 ; II. 261, 287, 
 
 288, 2'.' 8 
 
 V. Orange Bank I. 231 ; II. 93, 
 
 100, 293, 297, 298, 303, 309, 312 
 
 HinsdiU v. Safford I. 260 
 
 Hinton's Case II. 266, 268 
 
 Hinton v. Bank of Columbus 1. 323 
 
 Hitchcock V. Aicken II. 323 
 
 V. Cloutier I. 24 
 
 V. Humfrey II. 137 
 
 Hoadley v. Bliss 1. 594 ; II. 655 
 
 Hoar V. Clute II. 1.54 
 
 T. Da Costa 1. 268 
 
 Hoard v. Garner I. 481 
 
 Hoare v. Allen I. 152 
 
 V. Cazenove I. 316 
 
 V. Graham I. 301, 584 ; II. 503, 
 
 529 
 
 Hobart i'. Conn. Turnpike Co. II. 644 
 
 V. Dodge I. 39 
 
 Hobson V. Davidson II. 162, 205 
 
 Hoch's Appeal II. 630 
 
 Hocker r. Jamison 11.550 
 
 Hodenpyl v. Vingerhoed II. 478 
 
 Hodgdon v. Chase II. 648 
 
 V. Hodgdon II. 397 
 
 Hodge V. Fillis I. 306, 615 
 
 V. Manley II. 647 
 
 Hodges V. Eastman II. 477 
 
 V. Gait I. 495 
 
 V. Hall I. 45 
 
 V. Shuler II. 147. 149,319, 326 
 
 V. Steward IT. 25 
 
 Hodpkins v. Bond IT. 131 
 
 Hodirkiiison r. Wyatt II. 401 
 
 Hodgson's Case 1 1. 587 
 
 Hodgson V. Loy IL 178 
 
 w. Temple L 215 
 
 Hoft-». Baldwin IL 496 
 
 Hoffman v. Coombs IL 247 
 
 V. Smith I. 534, 537, 544, 545 
 
 TIolmLooiu r llrn-ick 1. 2i7, 240
 
 INDEX TO CASES CITED. 
 
 Ixv 
 
 Hoi,^iin ». Cuyler 
 Hogiitt V. Bingiiman 
 Hogg V. Snaith 
 Hoggatt V. Wade 
 Hoit V. Underbill 
 Holbrook v. Lackey 
 
 V. Mix I. 
 V. Vibbard 
 Holbrow V. Wilkins 
 Holden's Case 
 Holden v. Cosgrove 
 
 V. Pollard 
 Holdsworth v. Hunter 
 Holeman v. Hobson 
 Holiday v. Sigil 
 Holl V. Hadley 
 Holland v. Chaffin 
 
 V. Chambers 
 V. Harris 
 V. Hatch 
 V. Jourdine 
 V. Mosteller 
 V. Turner I 
 Hollcnbeck v. Shutts 
 Holley V. Adams 
 w. Younge 
 Holliday v. Atkinson 
 
 Hollicr V. Eyre I 
 
 Hollis V. Claridge 
 
 V. Palmer II. 
 
 Holly V. Adams 
 
 Holman i'. Criswell 
 V. Johnson 
 V. Whiting 
 
 Holme V. Barry 
 ?'. Green 
 V. Karsper 
 
 Holmes v. Burton 
 V. D'Camp 
 V. Dole 
 V. Holmes 
 '■. Kerrison 
 V. Porter 
 V. Kemsen 
 V. Stnines 
 V. Tiutnper 
 V. Williams 
 V. Wilson 
 
 Holt V. Miers 
 Vet.. T.— Zi- 
 
 258: 
 
 I. 59 
 
 I. 404 I 
 I. 483 
 
 I. 106 
 II. 168 
 
 I. 76 
 II. 608 
 II. 275, 278 
 II. 336 
 II. 139 
 II. 585 
 I. 279 
 II. 409 
 II. 332 
 
 I. 191 
 II. 264, 265 
 
 II. 135 
 II. 655 
 II. 416, 420, 471 
 11. 457 
 II. 573 
 II. 458 
 II. 424 
 . 529, 556, 557, 571 
 II. 502 
 
 II. 55 
 II. 606 
 
 I. 66, 178, 191, 
 
 197; II. 55 
 
 234; II. 515, .533 
 
 II. 165 
 
 397, 648, 654, 656 
 
 I. 179 
 
 II. 630 
 II. 319, 321, 330 
 
 I. 569 
 II. 184 
 II. 656 
 ; II. 493 
 
 I. 131 
 151, 308 
 
 I. 239 
 II. 623 
 II. 644 
 I. 128 
 II. 387 
 I. 615 
 II. 544 
 
 II. 419 
 II. 436 
 II. 503 
 
 I. 189 
 
 II. 
 
 H.olt V. Moore 11. 509 
 
 V. Salmon II. 336 
 
 V. Squire II. 477 
 
 V. Ward I. 60 
 
 Home Ins. Co. v. Green I. 474 
 
 Homer v. Wallis II. 554 
 
 Homes v. Smith (20 Maine) I. 401 
 
 V. Smyth (16 Maine) I. 221, 385; 
 
 II. 495 
 
 Hommell v Gamewell I. 243 
 
 Honeycut v. Strother II. 530 
 
 Honore v. Colmesnil 11. 91, 193 
 
 Hooker v. Gallagher II. 448 
 
 Hooper v. Spicer II. 611 
 
 V. Stephens II. 655 
 
 V. Williams I. 17, 18, 21 
 
 Hoopes V. Newman I. 493, 511 
 
 Hope V. Alley II. 642 
 
 Hopes V. Alder I. 269, 507, 596, 597, 612 
 
 Hopkins v. Boyd 
 
 V. Crittenden 
 V. Hopkins 
 V. Liswell ] 
 
 V. Megguire 
 V. Railroad Co. 
 v._ Wright 
 Hopkirk v. Page I. 460 
 
 595, 
 II. 
 
 Hopley V. Dufresne 
 Hopper V. Eiland 
 
 V. Richmond 
 
 V. Sisk 
 Hopping V. Quin 
 Horah v. Long 
 Hordern v. Dalton 
 Horford v. Wilson 
 Horn V. Fuller 
 
 V. Nash 
 Horncastle v. Farran 
 Home V. Bodwell 
 V. Redfearn 
 Horner v. Pilkington 
 
 V. Speed 
 Horton V. Frink 
 Hortons v. Townes 
 Hortsman v. Henshaw 
 
 Hosford V. Nichols 
 Hosier V. Arundell 
 Hostler's Case 
 
 125, 261 
 
 IL 396 
 
 II. 641 
 
 597, 601 
 
 607, 616 
 
 L 26 
 
 n. 631 
 
 .531, 537, 539, 
 
 540, 546 
 
 L 596, 601, 603 
 
 L 48 ; II. .501 
 
 II. 392 
 
 II. 244 
 
 L 411 
 
 II. 
 11. 
 I. 
 
 L 103, 
 
 n, 
 II 
 
 L 235, 239 
 
 ] 24 
 
 II. 624 
 
 451 
 316 
 615 
 199 
 393 
 169 
 
 II 
 
 n 
 I. 
 
 I. 322, 323 
 
 660 
 244 
 
 llD 
 
 IL 
 
 592 
 
 IL 376, 377 
 
 1. 155 
 
 IL 165
 
 Ixvi 
 
 INDEX TO CASES CITED. 
 
 Hough V. Barton II. 290, 291, 293, 309 
 
 r. Gray I. 44; II. 119, 130 
 
 V. May II. 85 
 
 Houghton V. Adams II. 103, 193 
 
 V. Ely II. 121 
 
 V. Houghton II. 618 
 
 I-. Mann II. 637 
 
 V. Maynard 11. 364 
 
 V. Page II. 318, 359, 376 
 
 V. Payne II. 419 
 
 Houlditch ». Cauty I. 596, 618 
 
 Houpt V. Shields II. 646 
 
 Houriet v. Morris II. 8 
 
 Housatonic Bank v. Laflin I. 466, 471, 
 
 473, 509, 510 
 
 Housego V. Cowne I. 473, 477, 493, 500 
 
 Houston V. Fellows II. 618 
 
 Houx V. Russell II. 94 
 
 Hovey v. Magill I. 97 
 
 How V. Hall II. 292 
 
 V. Kemball II. 132 
 
 Howard v. Ames I. 275 
 
 V. Baillie I. 106 
 
 V. Brown I. 237 
 
 V. Central Bank I. 664 
 
 r. Ives I. 509, 510, 515 
 
 r. Oakes I. 88; II. 446, 447 
 
 V. Shepherd II. 34, 116 
 
 V. Thomas II. 161 
 
 r. Witham I. 210 
 
 Howcutt ». Bonser II. 652 
 
 Howe r. Bowes I. 306, 427, 458 
 
 V. Bradley I. 373, 471, 494 ; II. 
 
 397, 425 
 
 V. Litchfield II. 626 
 
 V. Merrill II. 124, 589 
 
 V. Nickels II. 137 
 
 V. Saunders II. 637, 654, 662 
 
 V. Thompson II. 545 
 
 V. Ward I. 244 
 
 V. Wildes I. 78 
 
 Howell V. Burnett II. 635 
 
 V. Crane I. 261 
 
 V. Hair II. 633, 6-10 
 
 V. Jones II. 135 
 
 V. Wilson II. 348, 589 
 
 Howes V. Austin II. 72 
 
 llowliiiid V. Ucnch TI. 222 
 
 Howlell V. Holland II. 624 
 
 Hov r. Talialcrro I. 210 
 
 Hoyt V. French II 508, 533 
 
 V. Seeley I. 273, 552;. II. 59, 73 
 
 V. Wilkinson II. 4.53, 454 
 
 Hubbard v. Davis I. 237 
 
 V. Fisher II. 606 
 
 V. Page II. 177 
 
 V. Troy I. 509, 643 
 
 V. Williamson II. 544 
 
 Ilubbell V. Coudrey II. 382 
 
 Hubble V. Fogartie I. 193, 537 
 
 Hubbly V. Brown II. 239, 246, 248 
 
 Huber v. Steiner II. 327, 383, 385 
 
 Hubley v. Tamney II. 605 
 
 Hubner v. Richardson I. 217 
 
 Hudson V. Barton II. 214 
 
 V. Fawcett 11. 394 
 
 V. Goodwin II. 439 
 
 V. Matthews I. 394 
 
 V. Weir II. 471 
 
 Huey's Appeal II. 349 
 
 Huff V. Mills I 260 
 
 V. Richardson II. 649, 651, 652 
 
 Huffam V. Ellis I. 426 
 
 Huffman v. Hulbert I. 237, 239 
 
 Hughes t\ Bowen I. 608 
 
 V. Harrison II. 53 
 
 V. Hind II. 220, 488 
 
 V. Kearney II. 166, 167 
 
 V. Large II. 604 
 
 V. Wheeler IL 151, 160, 308, 410 
 
 V. Wynne II. 629 
 
 Huie 17. Bailey II. 246 
 
 Hulett V. Soullard L 243 
 
 Hilling V. Hugg I. 14 
 
 Hull V. Blake IL 386, 387 
 
 V. Peters II. 621 
 
 V. Pitfield II. 215 
 
 Hulme V. Coles I. 239, 241 ; II. 241 
 
 Hulse V. Hulse I. 197 
 
 Hulsey v. Winslow I. 25 
 
 Humbert v. Ruding I. 186 
 
 Hume V. Pejiloe L 415 ; II. 214, 624 
 
 Humphrey r. Clark I. 279, 280 
 
 V. Moxon II. 466, 467 
 
 Ilumplireys r. Collier II. 336 
 
 V. Crane I. 233, 237 ; 
 
 II. 561, 580 
 
 V. Guillow I. 251 ; II. 560 
 
 566, 577, 582 
 
 V. Jones II. 652
 
 INDEX TO CASES CITED, 
 
 Eumplirics v. Bicknel 
 
 
 n. 59. 71 
 
 Hussey v. Jacob 
 
 
 
 L313 
 
 V. Chastain 
 
 L 146 
 
 V. Matiuf. & Mechanics' Bank 
 
 Hunt V. Acre 
 
 
 IL 416 
 
 
 
 
 II. 222 
 
 V. Adams I. 
 
 37, 233, 247, 251 ; 
 
 Huston V. Moorhead 
 
 
 
 II. 423 
 
 II. 
 
 132, 
 
 511, 565, 568 
 
 V. Noble 
 
 
 
 IL 96 
 
 r. Aldrich 
 
 
 IL 445 
 
 V. Young 
 
 1.41 
 
 388 
 
 ; II. 514 
 
 V. Alewyu 
 
 
 II. 286 
 
 Hutchins v. Hanna 
 
 
 
 II. 330 
 
 T. Boyd 
 
 
 II. 162 
 
 V. Hope 
 
 
 
 IL 618 
 
 V. Bridghain I. 
 
 237 
 
 II. 240. 242, 
 
 V. M'Cann 
 
 
 
 II. 428 
 
 
 
 245, 247, 533 
 
 V. Olcutt 
 
 IL 153, 
 
 161, 16.1, 
 
 V. Edwards 
 
 
 II. 469 
 
 
 
 
 177, 218 
 
 V. Ellison 
 
 
 II. 639 
 
 Hutchinson v. Boggs 
 
 
 
 I. 189 
 
 V. Fish 
 
 
 I. 495 
 
 V. Ilosmer 
 
 
 
 II. 407 
 
 V. Livermore 
 
 
 IL 535 
 
 V. Moody 
 
 
 
 IL 9, 10 
 
 V. Massey 
 
 
 L 67, 72, 74 
 
 V. Phillips 
 
 
 
 IL 94 
 
 p. Maybee I 
 
 358, 
 
 365, 528, 641 
 
 Huthwaite v. Phaire 
 
 
 
 II. 374 
 
 V. Nevers 
 
 
 11. 393 
 
 Hutton V. Bragg 
 
 
 IL 
 
 165, 171 
 
 V. Rousmanier 
 
 L 288 ; II. 42, 503 
 
 V. Eyre 
 
 I. 
 
 2.50 
 
 ; IL 238 
 
 V. Sandford 
 
 
 IL 275, 276 
 
 V. Ward 
 
 
 II. 
 
 286, 310 
 
 V. Stewart 
 
 
 II. 480 
 
 Hyams v. Levy 
 
 
 IL 
 
 528, 530 
 
 V. United States 
 
 
 IL 241, 246 
 
 Hyde v. Finley 
 
 
 
 IL 406 
 
 V. Wadleigh I. 
 
 446, 
 
 529, 595, 601 ; 
 IL14 
 
 V. Goodnow 
 V. Johnson 
 
 IL 
 
 328, 
 
 376, 380 
 IL 661 
 
 Hunter, The 
 
 
 IL 174 
 
 r. Paige 
 
 
 
 L 93 
 
 Hunter's Case 
 
 
 L62 
 
 V. Price 
 
 
 
 L 78 
 
 Hunter, Ex parte 
 
 
 IL82 
 
 V. Stone 
 
 
 I. 
 
 622, 62G 
 
 v. Blodget 
 
 
 L32 
 
 Hyman v. Gray 
 
 
 
 IL 641 
 
 V. Jeffcry 
 
 I. 33 ; IL 50, 592 
 
 Hyslop V. Jones I 
 
 482, 
 
 484 
 
 487, 488 
 
 V. Jett 
 
 
 II. 240, 533 
 
 
 
 
 
 r. Kibbe I 
 
 255 
 
 ; II. 209, 220, 
 456, 460 
 
 
 
 
 
 V. Potts 
 
 II 
 
 326, 359, 387 
 
 I. 
 
 
 
 
 V. Van Bomhorst 
 
 I. 436, 471 
 
 
 
 
 
 T. Warner 
 
 
 II. 623, 625 
 
 Ide V. Ingraham 
 
 
 
 L 145 
 
 Huntington v. Branch Banlc 
 
 I. 109, 111, 
 
 Ihmsen v. Negley 
 
 
 
 L 127 
 
 
 
 115 
 
 Ilsley V. Jewett I. 243 
 
 ; IL 
 
 151 
 
 155, 655 
 
 V Finch 
 
 
 II. 559, 577 
 
 V. Jones 
 
 
 
 L 293 
 
 V. Harvey 
 
 
 IL 244, 520 
 
 V. Stubbs 
 
 
 
 IL 178 
 
 V. Lyman 
 
 
 L 126 
 
 Imbush V. Mechanics', 
 
 &c Bank 
 
 II. 10.? 
 
 V. Ziegler 
 
 
 IL 621, 624 
 
 Imeson, Ex parte 
 
 
 
 I. 4 6 
 
 Huntley v. Sanderson 
 
 
 IL 639 
 
 Imlay v. Ellefsen 
 
 
 IL 
 
 367, 36) 
 
 Ilunton V. Ingraham 
 
 
 I. 303 
 
 Indiana v. Woram 
 
 
 
 I. 166 
 
 Huntress v. Patten 
 
 
 IL415 
 
 Ingalls ?'. Lee 
 
 
 
 II. 428 
 
 Hurd V. Little 
 
 
 II. 246, 247 
 
 Ingersoll v. Long 
 
 
 
 IL 348 
 
 Hurry v. Mangles 
 
 
 IL 165 
 
 Inglehart v. Armiger 
 
 
 
 IL 168 
 
 Hurst r. Beach 
 
 
 IL 54 
 
 Inglis V. Haigh 
 
 
 
 IL 648 
 
 Husband v. Davis 
 
 
 II. 82 
 
 V. Usherwood 
 
 
 
 IL 319 
 
 Huse V. Alexander 
 
 II 
 
 151, 204, 218 
 
 Inglish V. Breneman 
 
 
 n. 
 
 552, 56.5 
 
 V. Hamblin 
 
 
 L 14 
 
 V. Watkins 
 
 
 
 IL 392 
 
 Hussey v. Freeman 
 
 
 I. 590 
 
 Ingraham v. Bowie 
 
 
 
 II. 635
 
 Ixviii 
 
 INDEX TO CASES CITED. 
 
 Ingraham v. Foster 
 r. Gibbs 
 Ingram v. Forster 
 Inh. of Hardwick's Case 
 Innes v. Dunlop 
 V. Munro 
 V. Stephenson 
 Ipswich Man. Co. v 
 Ireland v. Kip 
 Irish V. Cutter 
 
 V. Webster 
 Irons V. Irons 
 Irvin V. Maury 
 Irvine v. Lowry 
 
 V. Withers 
 Irving T. Veitch 
 
 II. 
 II, 
 
 Story 
 I. 482, 
 II. 121, 
 
 I. 310^ 
 II. 644, 
 
 Irwin V. Planters' Bank 
 Isaac V. Daniel 
 Isaacs V. Elkins 
 Isberg V. Bowden 
 Isbvester, Ex parte 
 Isett V. Hoge 
 Isham V. Fox 
 Isler V. Baker 
 Isnard v. Torres 
 Israel v. Douglas 
 
 V. Israel 
 Ives V. Farmers' Bank 
 Iverson v. Dubose 
 
 II. 
 
 II. 603 
 I. 59 
 
 I. 348 
 II. 656 
 
 357, 358 
 144, 536 
 
 II. 82 
 
 I. 162 
 487, 488 
 124, 133 
 
 II. 452 
 
 II. 611 
 
 I. 13 
 
 I. 47 
 
 311, 432 
 
 654, 655, 
 
 661 
 
 II. 297 
 
 242, 245 
 
 II. 513 
 
 II. 607 
 
 II. 185 
 
 II. 138 
 1.393 
 I. 135 
 I. 276 
 I. 336 
 
 I. 25 
 
 I. 221 
 
 II. 663 
 
 J. 
 
 Jacaud i'. French 
 Jacoard v. Anderson 
 Jackman v. Ilallock 
 Jacks V. Darrin 
 
 V. Nichols II, 
 /ackson v. Adamson 
 V. Bard 
 V. Collins 
 ». Fairbiink 
 r. Frier 
 V. Guinaer 
 V. Heath 
 V. Henderson 
 V. HikImoii 
 
 I. 134; II. 253 
 
 i; 578 
 
 II. 167 
 
 I. 584 ; II. 44, 72, 
 
 300, 309 
 
 328, 337, 379, 434 
 
 II. 638 
 
 11.472 
 
 1.626 
 
 II. 661 
 
 II. 298 
 
 I. 151 
 
 n. 4.'?7, 445 
 
 I. 410 
 
 I. .'ill ; II. 125 
 
 J.,ckson V. Jackson 
 V. Jacoby 
 V. Jones 
 V. King 
 V. Malin 
 V. Newton 
 V. Osborn 
 V. Packer 
 V. Parks 
 V. Phillips 
 v. Pigott 
 V. Richards 
 
 V. Tuttle 
 V. Union Bank 
 V. Van Dusen 
 V. Warwick 
 Jacob V. Hart 
 
 V. Hungate 
 Jacobs V. Adams 
 V. Benson 
 V. Hart 
 V. Town 
 Jaffray v. Dennis 
 V. Frcbain 
 JafFrey v. Cornish 
 James v. Allen 
 James v. Badger 
 
 V. Catherwood 
 V. Chalmers 
 V. Child 
 V. Hackley 
 V. Williams 
 Jameson v. Swinion 
 Jamison v. Brady 
 Jane, The 
 Janson v. Thomas 
 January v Goodman 
 Jaques V. Marquand 
 Jardiue v. Payne 
 Jarrold v. Howe 
 Jarvis's Appeal 
 Jarvis v. McMiiin 
 V. Uotrcrs 
 
 II. 297, 306 
 
 II. .580 
 
 II. 420 
 
 I. 15C 
 
 II. 572, 574 
 
 I. 37? 
 
 II. 577 
 
 I. 310, 439; II. 470 
 
 I. 89 
 
 II. 477 
 
 I. 289 
 
 I. 401, 402, 508, 
 
 515, 529, 556 
 
 11.415 
 
 I. 395, 480 
 
 I. 150 
 
 I. 203 
 
 II. 570 
 
 I. 188; II. 494 
 
 n. 393 
 
 I. 32 
 
 II. 547, 565 
 
 1.488 
 
 II. 372 
 
 I. 77 
 
 II. 161 
 
 II. 359,367,369, 371 
 
 II. 241, 246, 247, 25C 
 
 II. 318, 330 
 
 II. 437 
 
 II. 231 
 
 II. 160 
 
 II 154 
 
 I. 504,515 
 
 II. 615 
 
 II. 174 
 
 I. 405 
 
 11.475 
 
 I. 124 
 
 II. 573 
 
 II. 394 
 
 II. 415 
 
 I. 393, 404, 408 
 
 11.43 
 
 V. St. Croix Mauuf. Co. I. 478, 
 
 479 
 
 JcflFcries v. Austin I. 51, 177 
 
 Jeflerson v. Ilolliind II. 107, 192, li*4 
 
 Co. Rank v. Chapman II. 88, 
 
 91, 98
 
 INDEX TO CASES CITED. 
 
 Jeffei y v. M'Taggart 
 V. Walton 
 
 Jefts V. York 
 
 Jenkins tJ. Clarkson 
 
 V, Hutchinson 
 I'. Morris 
 V. Reynolds 
 V. Schaub 
 
 Jenks V. Alexander 
 
 II. 356, 358 
 
 II. 518 
 
 I. 122 
 
 I. 241 
 
 I. 313 
 
 I. 124, 135 
 
 II. 128 
 
 I. 224 
 
 II. 228 
 
 V. Doylestown Bank I. 435, 437 
 
 Jenkyns v. Usborne II. 178 
 
 Jenners v. Howard I. 151 
 
 Jenness v. Bean I. 224, 225 
 
 r. Parker 1.210 
 
 Jenney v. Herle I. 43 
 
 Jennings v. Ins. Co. of Penn. II. 173 
 
 w. Mendenhall 11.621,622 
 
 V. Thomas II. 121 
 
 V. Throgmortoa I. 214 
 
 Jennison ?;. Parker 11.153,182 
 
 V. Stafford I. 198 
 
 Jcnys i;. Fawler I. 321 ; II. 99, 196, 482, 
 
 590 
 Jerome v. Stebbins I. 264, 378 
 
 V. Whitney I. 45 
 
 Tervey v Strauss II. 610 
 
 U.Wilbur 1.446,529,587,610 
 Jester v. Hopper II. 515 
 
 Jeune v. Ward I. 70, 281, 282, 284, 285 ; 
 
 II. 3 
 
 Jewell V. Parr II. 488 
 
 Jewett V. Davis II. 466 
 
 V. Petit II. 654 
 
 John V John II. 286, 292 
 
 Johnson, Ex parte I. 500 
 
 V. Arnold II. 645 
 
 V. Bank of North America II. 72 
 
 V. Bank of U. S. II. 562 
 
 V. Barney I. 26, 226 
 
 V. Blasdale I. 109; II. 567 
 
 V. Bridge II. 604 
 
 V. Chadwell I. 150; II. 6 
 
 V. Cleaves II. 160, 179 
 
 V. Cocks I. 646 
 
 V. Collings I. 285, 292, 295 ; 
 
 II. 62 
 
 V. Duke of Marlborough II. 550 
 
 V. English I. 358 
 
 V. Evans II. 649 
 
 V. Frisbie I. 38 
 
 Johnson v. Garaett 
 V. Gibb 
 V. Gilbert 
 V. Groathcy 
 
 II. 573 
 II. 573 
 II. 132 
 II. 168 
 
 V. Ilarth I. 447, 508, 530 
 
 V. Heagau II. 546 
 
 V. Johnson 1.25 ; II. 152, 154,410 
 
 V. Jones II. 605 
 
 V. Kennion I. 192 ; II. 218 
 
 r. Kent II. 609 
 
 V. Machielsne II. 319 
 
 r. Marlborough II. 577 
 
 V. Martinus II. 24, 519 
 
 V. Mason II. 489 
 
 V. Mathews II. 491 
 
 V. Meeker I. 279 
 
 V. Planters' Bank I. 237 
 
 V. Smith I. 97, 122; 11.319, 
 
 628, 629 
 
 V. State II. 588 
 
 V. Thayer I. 335 
 
 V. Thompson II. 167 
 
 V. Titus I. 205 
 
 V. Weed II. 150, 157, 162, 217 
 
 V. White II. 639, 640, 642 
 
 V. Wilmarth II. 127, 137 
 
 V. Windle II. 80, 212, 268, 284 
 
 Johnston, Ex parte I. 528, 530 
 
 V. Brannan II. 397 
 
 V. Dickson I. 218 ; II. 407 
 
 V. Searcy I. 576 
 
 Joiner v. Perry II. 638 
 
 Jolliffe V. Collins I. 20G 
 
 Jolly V. Young I. 384 
 
 Jones, Ex parte II. 410 
 
 V. Arthur II. 85 
 
 I'. Ashburnham I. 196 
 
 V. Bank of Iowa I. 294 
 
 V. Beach I. 246 
 
 V. Borden II. 663 
 
 V. Broadhurst II. 72, 216, 218 
 
 V. Brooke I. 229, 326; II. 4.t8, 
 
 465, 466, 467, 471 
 
 V. Bullitt II. 240 
 
 ». Darch 1.70,321 
 
 V. Deyer I. 179 
 
 17. Fales I. 46, 368, 393 ; II. 146, 
 
 298, 309, 516, 540, 541, 578 
 
 ». Fort I. 361 ;. II 210, 220 
 
 V. Godwin II. 630, 634
 
 Ixx 
 
 INDEX TO CASES CITED. 
 
 Jones V. Goodwill 
 V. Hays 
 v. Hibbert 
 V. Hook 
 V. Ireland 
 V. Jeffries 
 
 II. 121 
 
 II. 635 
 
 I. 191 ; II. 44 
 
 II. 327, 381, 383 
 
 II. 577, 580 
 
 II. 519 
 
 V. Jones I. 198, 228; II. 479, 630, 
 631, 662 
 o. Kennedy II. 151, 218 
 
 V. Kilgore II. 228 
 
 V. Le Tombe I. 98 
 
 T. Lewis I. 483 
 
 c. McLean XL 411 
 
 V. Manskei L 488 
 
 V. Mars IL 480 
 
 V. Marsh II. 492 
 
 0. Morgan I. 426 ; II. 473, 479 
 
 c. O'Brien L 615, 618 
 
 V. Pierce IL 137 
 
 V. Radford 11. 4 
 
 V. Ransom IL 153 
 
 V. Robinson IL 614 
 
 V. Ryde 11. 37, 38, 101, 184, 185, 
 189, 589, 600, 601 
 r. Ryder IL 573 
 
 V. Savage I. 596, 601, 606, 619, 
 621, 622; II. 182,497 
 V. Scott II. 629, 662 
 
 V. Simpson I. 38 
 
 V. The State IL 588 
 
 V. Swan II. 493 
 
 V. Thorn II. 7 
 
 V. Tumour II. 474, 482, 590 
 
 r. United States IL 225 
 
 V. Warden I. 478, 486, 515, 517, 
 531 
 
 i;. Warren 
 
 
 
 IL 447 
 
 T. Witter 
 
 
 II. 47, 53 
 
 v. Yates 
 
 
 
 I. 134 
 
 Jordaiiie v. Lashbrooke 
 
 II. 
 
 465, 
 
 469, 471 
 
 Jordan v. Bell 
 
 
 
 I. 662 
 
 V. James 
 
 
 
 IL 164 
 
 v. Jordan 
 
 
 
 IL 605 
 
 T. Lewis 
 
 
 
 IL 414 
 
 V. M'Kenzie 
 
 
 
 II. 639 
 
 V. Ncilson 
 
 
 
 II. 567 
 
 V. Tarkiiigton 
 
 
 
 I. 323 
 
 V. Thornton 
 
 
 IL 
 
 455, 634 
 
 V. Tiumbo 
 
 1 
 
 237 
 
 ; II. 416 
 
 JoH<; V I'rtkcr 
 
 
 
 II 151 
 
 Joseph E Coffee, Steamboat 
 Joslyn V. Smith 
 Josselyn v Ames 
 
 V. Lacier 
 
 V. Stone 
 Journeay v. Gardner 
 Joyce V. Williams 
 Joyner v. Tui-iier 
 Judah V. Harris 
 Judd V. Sampson 
 Judsion V. Corcoran 
 Judy V. Gerard 
 Juhan V. Shobrooke 
 Jungbluth V. Way 
 Juniata Bank v. Hale 
 
 Jury V. Barker 
 Justin V. Ballam 
 Justus V. Cooper 
 
 K. 
 
 mboat 
 
 IL 175 
 
 
 IL 658 
 
 IL 117, 
 
 119, 124 
 
 
 1. 43 
 
 
 II. 663 
 
 
 II 364 
 
 
 I. 126 
 
 II. 393, 
 
 395, 504 
 
 I. 46 
 
 ; IL 189 
 
 
 IL 647 
 
 
 II. 46 
 
 n. 
 
 414, 434 
 
 I. 
 
 285, 301 
 
 
 II. 308 
 
 I. 364, 
 
 445, 503, 
 
 504, 525, 
 
 526, 630 
 
 
 II. 146 
 
 
 IL 170 
 
 
 IL 570 
 
 II. 
 
 Kaines v. Knightly 
 Kalfus V. Watts I 
 
 Kampshall v. Goodman II. 652, 
 Kanaga v. Taylor II. 318, 
 
 Kane v. Cook II. 
 
 V. Scofield II. 
 
 Karck v. Avinger I. 
 
 Kase V. John I. 
 
 Kaskaskia Bridge Co. r. Shannon 
 
 II. 499, 
 Kasson v. Smith II 
 
 Kauffclt V. Bower II. 
 
 Kay V. Brookman II. 
 
 V. Ducliesse de Pienne I 
 
 Keaggy v. Hite IL 
 
 Kcaii V. Davis I. 94, 97, 
 
 V. Dufresne II. 151, 
 
 Kearney v. King II. 
 
 V. West Granada, &c. Miniii] 
 
 Co. II. 
 
 Kearns v. Durcll II. 
 
 Kcarslake v. Morgan I. 329 ; II. 
 
 154, 155, 181, 182, 184, 217, 
 
 Kcarslcy v. Cole 1. 241 ; IL 
 
 Ktating v. Price IL 
 
 Ivcatou V. Greenwood II. 630, 
 
 503 
 . 38 
 654 
 320 
 639 
 480 
 251 
 205 
 
 606 
 . 28 
 176 
 480 
 . 84 
 616 
 169 
 156 
 342 
 
 269 
 492 
 151, 
 308 
 248 
 529 
 64C
 
 INDEX TO CASES CITED. 
 
 Keaton v. McGwier 11. 630 
 
 Keeler v. Bartine I. 605, 621 
 
 Keene v. Beard II. .58 
 
 V. Keene II. 395, 396, 399 
 
 V. Thompson II. 38, 101, 186, 189 
 
 Keener v. Crull II. 660, 661 
 
 Keer u. Clark II. 466 
 
 Keeton v. Keeton U. 635, 637 
 
 Keir * Leemau I. 196, 215 
 
 Keith's Case II. 587 
 
 Keith 7.. Jones I. 46 ; II. 189 
 
 V. Smith II. 618 
 
 Kellar v. Siiiton II. 632 
 
 KeUey v. Brown I. 601 ; II. 67, 68 
 
 v.Yew 11.515 
 
 V. Hemmingway I. 39 
 
 V. Mayor of Brooklyn I. 44, 164 
 
 Kellogg V. Budlong II. 94 
 
 V. Hickok II. 424 
 
 V. Krauser II. 46 
 
 V. Lawrence I. 302 
 
 V. Olmsted II. 528 
 
 Kelly V. Ford I 255 
 
 V. Smith I. 280 ; II. 48 
 
 Kelsey v. Griswold II. 642 
 
 V. Rosborough II. 153, 154, 161, 
 
 82,218 
 
 Kelso V. Frye II. 538 
 
 Kemble v. Lull I. 304 
 
 V. Mills L 550, 552 ; IL 59, 71, 73 
 
 Kemeys v. Richards I. 127 
 
 Kemp V. Balls II. 27, 216, 219 
 
 V. Finden II. 254 
 
 Kempton v. Swift II. 645 
 
 Kendall v. Galvin L 193 ; II. 487 
 
 V. Robertson II. 419 
 
 Kendrick v. Lomax I. 662 ; II. 2.34 
 
 Kennard y. Knott 11.240,241,242 
 
 Kennebeck Co. v. Augusta Ins. & 
 
 Banking Co. II. 530 
 
 Kennedy v. Geddes I. 293, 294 
 
 V. Lancaster Co. Bank II. 550, 
 
 566, 577 
 
 V. Manship II. 604 
 
 V. Motte II. 247 
 
 r. Townsley II. 663 
 
 V. "Vanwinkle II. 96 
 
 V. Woodfolk II. 167 
 
 Kenner v. Creditors I. 282, 408 
 
 Kenuerly v. Nash II. 392, 565 
 
 Kcimersley Castle, The 
 
 
 
 II 
 
 174 
 
 Kennett v. Millbank 
 
 
 
 II. 
 
 652 
 
 ivenningham v. Bedford 
 
 
 
 I. 
 
 240 
 
 Kennon v. Dickens 
 
 
 
 II. 
 
 425 
 
 V. M'Rae I. 
 
 382, 
 
 596, 
 
 600, 
 
 607, 
 
 610, 622, 
 
 623 
 
 625 
 
 ; I'- 
 
 4.39 
 
 Kenny v. Collins 
 
 
 
 ll. 
 
 167 
 
 Ivensinmon Bank v. Patton 
 
 
 11. 
 
 649 
 
 Kent V. Lowen 
 
 
 11 
 
 471 
 
 491 
 
 V. Rogers 
 
 
 
 II. 
 
 608 
 
 V. Somervell 
 
 
 
 II. 
 
 440 
 
 V. Walton 
 
 
 
 II. 
 
 410 
 
 Kenworth v. Hopkins 
 
 
 
 IL 
 
 241 
 
 Keplingcr ». Griffith 
 
 
 II. 
 
 479, 
 
 486 
 
 Kerr v. Webb 
 
 
 
 11. 
 
 611 
 
 Kerrison v. Cooke 
 
 I 
 
 325 
 
 ;II. 
 
 2.50 
 
 Kershaw v. Cox 
 
 
 IL 
 
 563, 
 
 570 
 
 Ketchell v. Burns 1.44 ; II. 119, 130, 132 
 
 Ketehum v. Barber IL 433 
 
 V. Bank of Commerce IL 37 
 
 Keutgen v. Parks 
 
 L 276 ; IL 279 
 
 Key V. Flint 
 
 IL 27 
 
 V. Hill 
 
 I. 252 
 
 V. Knott 
 
 II. 107 
 
 Keyes v. Fenstermaker 
 
 L 381 
 
 V. Moulti'ie 
 
 IL 406, 414 
 
 I\idd V. Walker 
 
 II. 394 
 
 Kiddall V. Trimble 
 
 IL 629 
 
 Kiddell v. Ford 
 
 I. 529; IL 245 
 
 V. Peronneau 
 
 L 447, 530 
 
 Kidson v. Dilworth 
 
 L 104 
 
 Kieffei- '. Ehler 
 
 L 260 
 
 Kiersted v. Rogers 
 
 II. 439 
 
 Kies V. TLfft 
 
 IL 138 
 
 Kilbourn r. Bradley 
 
 II. 420 
 
 Ivilby V. Rochusen 
 
 I. 596 
 
 Kilgore i: Bulkley I. 26 
 
 399, 402, 408, 
 
 466,471,473,474; IL .34, 68, 71 
 
 ('. Powers 
 
 II. 392, 396 
 
 Kilgour V. Finlyson 
 
 I. 106 
 
 Killian ('. Ashley 
 
 II. 124 
 
 Kil Patrick v. Heaton 
 
 IL 244, 24.5 
 
 Kilsby i\ Williams 
 
 II. 77, 230 
 
 Kilton V. Fairclough 
 
 I. 481 
 
 Kimbal v. Blanc 
 
 IL 179 
 
 Kimball i: Boston Athenajum 11. 415 
 
 V. Cunningham 
 
 IL 207 
 
 V. Fuller 
 
 IL 644 
 
 ('. G rover 
 
 II. 535 
 
 V. Huntington 
 
 I. 24, 25, 22S
 
 Ixxii 
 
 INDEX TO CASES CITED. 
 
 Kimball ». Lamson 
 
 V. Newell 
 Kimbro v. Bullitt 
 V. Lytle 
 Kimmey v. Campbell 
 Kincaid v. Higgins 
 Kincannon v. Carroll 
 Kine v. Beaumont 
 King V. Aughtry 
 
 II. 545, 578 
 
 I 244 
 
 I. 133, 138, 139 
 
 I. 226 
 
 II. 50 
 II. 504 
 II. 568 
 
 II. 490, 491 
 II. 645 
 
 Kirby v. Taylor 
 Kirk V. Blurton 
 
 V. Strickwood 
 Kirkland v. Lowe 
 
 I. 247, 250 
 
 I. 135 
 
 I. 215 
 
 II. 373 
 
 V. Baldwin I. 235, 23/, 238 ; II. 239 
 
 244 245. 246 
 
 V. Bickley I. 468,469, 471 
 
 V. Faber I- 129 
 
 V. Fowler II. 46 
 
 V. Gillett II. 235 
 
 V. Hamilton U. 629 
 
 V. Hoare I- 249, 251 
 
 B.Holmes 1.372,412 
 
 V. Hunt II. 550, 565 
 
 V. Johnson II. 431 
 
 V. King II. 647 
 
 r. Lane 11.381,383 
 
 V. Lowry II. 179 
 
 V. Milsom I. 51, 184 ; II. 188, 264, 
 
 283, 480 
 
 V. Phillips I. 662 
 
 V. Smith I. 201 
 
 V. State Bank I. 237, 239 
 
 V. Thom I. 155, 156, 161 ; II. 6, 446 
 
 V. Upton I. 198 
 
 V. Walker II. 324, 634 
 
 The, V. Evans II. 413 
 
 V. Hampton II. 584 
 
 V. Twine II. 45 
 
 V. VVeudman II. 45 
 
 Kingdom v. Jones II. 45 
 
 Kingman v. Ilotaling II. 456 
 
 V. Pierce I. 230; II. 266 
 
 Kingsbury v. Butler I. 38 
 
 Kingsford v. Merry II. 116 
 
 Kingston v. Long I. 43 
 
 V. Wilson I. 651 
 
 Kinnear's Case I. 288 
 
 Kinney v. Lee I. 45 ; II. 642 
 
 Kinniken d. Dulancy II. 35 
 
 Kinsley v. Buchanan II. 176 
 
 V. Robinson I. .^37, 542, 544 
 
 Kirby v. Marlborough II. 223, 225 
 
 r. SisHon II. 297 
 
 V. State II. 588 
 
 Kirkpatriek v. McCulough I. 46, 47 
 
 V. Muirhead I. 224 
 
 Kirksey v. Bates I. 634, 635 
 
 Kirtland v. Wanzer I. 636, 643, 644 ; 
 
 II. 499 
 
 Kirwan v. Kirwan I. 143 ; IL 201 
 
 Kissam v. Bunall II. 336, 376 
 
 Kitchen v. Bartsch I. 1 53 
 
 Kittridge v. Brown II. 652 
 
 Klein v. Currier 11. 120, 125, 12d 
 
 V. Keyes I. 1 78 
 
 Knapp V. Lee I. 210 
 
 V. McBride I. 128 
 
 V. Maltby II. 568 
 
 V. Parker II. 121 
 
 Knight V. Abbott II. 622 
 
 V. Clements II. 550, 577, 579, 580 
 
 V. Criddle II. 92 
 
 V. Crockford I. 37 
 
 V. Hughes II. 253 
 
 V. Hunt I. 216 
 
 V. Knotts 11.518 
 
 V. Legh II. 265, 266, 293 
 
 V. Packard II. 470 
 
 V. Priest I. 200 
 
 V. Pugh I. 188 ; II. 438 
 
 V. Wilmington & M. R. R. 
 
 Co. I. 45 
 
 Knights V. Putnam L 218; II. 407, 41.5, 
 
 431 
 
 KniU V. Williams IL 562, 568 
 
 Knotts V. Butlei II. 638 
 
 Knowles v. Parker L 203, 264 
 
 Knox V. Light II. 623 
 
 i;. Recside L 84, 303 
 
 V. Thompson II. 618 
 
 Koch V. Howell I. 284 
 
 V. Mdhorn IL 141 
 
 Kock V. Shei)licrd II. 634 
 
 Kohler v. Smith II. 395 
 
 Konig V. Bayard L 313, 318 
 
 Kortright v. Cady II. 624 
 
 Kramer v. M'DowoU I. 48J, 487 
 
 V. Sandford 1.561,567,572, 575 
 
 Krcbs V. 0'(;rady I. 8b 
 
 Kritzcr v. Mills I. 235, 238
 
 INDEX TO CASKS CITED. 
 
 Krumbhaar v. Ludeling I. 94 
 
 Kufh V. Weston I. 460 
 
 Kunkel v. Spooner II. 4.37, 438 
 
 Kupfert Vj Guttenberg Building Ass. 
 
 II. 406 
 
 Kurtz V. McGuire II. 607 
 
 Kyle V. Bostick II. 240 
 
 V. Green I. .570, 582 
 
 V. Thompson I. 358 ; II. 439, 455 
 
 V. Wells II. 628, 654, 661 
 
 Kvmer v. Suwercropp II. 178 
 
 L. 
 
 Labordn v. Consolidated Association 
 
 II. .592 
 
 Lacoste o. Harper I. 540, 546, 557, 596, 
 
 601, 604, 619 
 
 Lacy V. Holbrook I. 47 
 
 V. Kinnaston II. 238 
 
 V. Kynastoa II. 237 
 
 V. Woolcott II. 583 
 
 Ladd V. Baker I. 251 
 
 V. Konney I. 603, 607 
 
 La Parge v. Herter II. 410 
 
 Lafitte V. Slatter I. 534, 541 
 
 Lafond v. Ruddock II. 635 
 
 Lagow V. BadoUet IL 167, 168 
 
 Laing v. Barclay I. 661 
 
 V. Lee II. 128 
 
 V. Stone n. 393, 396, 398 
 
 Lake v. Hayes II. 25 
 
 T. Stetson II. 123 
 
 Lalande v. Breaux II. 411 
 
 Lamb v. Lindsey II. 418 
 
 V. Moberly II. 286, 293 
 
 Lambarde v. Older II. 611 
 
 Lambert, Ex parte I. 318 
 
 V. Gliiselin L 490, 491, 628 
 
 V. Oakes IL 25, 482, 484, 589 
 
 V. Pack IL 25, 482, 484, 589 
 
 V. Sandford L 229, 326 ; IL 250 
 
 V. Taylor II. 45 
 
 Lambeth v. Caldwell I. 635 
 
 V. Rivarde II. 256 
 
 Lamego v. Gould II. 413 
 
 Lamourieux v Hewit II. 133, 138, 139 
 
 Lampley v. Weed II. 622 
 
 Lamprell v. Billericay Union I. 163 
 
 Lamson v. Pfaff II. 291. 303 
 
 Lanauze v. Palmer II. 491 
 
 9 
 
 Lancaster v. Horrison I. 24 
 
 V. Walsh II. 257 
 
 Lancaster Bank v. Taylor II. 10 
 
 V. Woodward I. 272, 
 
 275, 378; II. 77. 83 
 
 Land v. Cowan II. 607 
 
 r. Lee 11.472 
 
 I^uidry V. Stansbury I. 364 
 
 Lane's Case II. 423 
 
 I^ine V. Cotton IL 100, 315 
 
 V. Uoty II. 656, 658, 659 
 
 V. Ironmonger II. 21-0 
 
 V. Morris IL 646 
 
 V. Mullins II. 286 
 
 V. Price 11. 502 
 
 V. Salter I. 251 
 
 V. Sharpe IL 510 
 
 V. Steward I. 580, 585, 586, 597, 
 
 622; IL 428, 498, 516 
 
 Lanfear v. Blossman I. 45 ; II. 275 
 
 Lang V. Brevard I. 238 
 
 V. Fiske II. 50 
 
 V. Johnson II. 507 
 
 V. Mackenzie II. 652 
 
 V. Smyth IL 33, 34, 114 
 
 Langan v. Hewett I. 141 
 
 Langdale v. Trimmer I. 514 
 
 Langden v. Stokes II. 235 
 
 Langdon v. Goole IL 569 
 
 ». Hulls n. 471,490, 491 
 
 Lange v. Kohne L 47 
 
 Langliorn v. Allnutt IL 489 
 
 Langley v. Palmer I. 439 
 
 Langston v. Corney I. 301 
 
 Langton ». Haynes II. 401 
 
 Lanier v. McCabe I. 1 26, 1 40 
 
 Lansdowne v. Lansdowne II. 369 
 
 Lansing v Gaine L 48, 125, 146, 148, 387 
 
 Lanusse v. Barker II. 336, 341, 370, 376 
 
 V. Massicot I. 423 
 
 Lapham v. Barnes 1. 233 ; IL 515 
 
 V. Briggs IL 637 
 
 Lapice v. Clifton H. 275 
 
 V. Smith IL 376 
 
 Laporte v. Landry L 483, 601 , 602, 604, 
 
 620 
 Larason v. Lambert IL 643, 659 
 
 La Rue ». Gilkyson 1.149 
 
 Laryr. Young L 586, 591, 594; II. 
 
 516
 
 Ixxiv 
 
 INDEX TO CASES CITED. 
 
 Las Caygas v. Larionda 
 Latapie r. Gravier 
 Lathrop v. Delee 
 V. Morris 
 V. Snellbaker 
 Latin v. Vail 
 Laughlin v. Marshall 
 Laurence v. Hopkins 
 V. Schmidt 
 Laverty v. Burr 
 Law V. East India Co. 
 Lawley v. Hooper 
 Lawrason v. JMason 
 Lawrence v. Cowles 
 V. Langley 
 
 V. Mangum 
 V. Miller 
 V Ralston 
 
 Laws V. Rand 
 
 Lawson v. Farmers' Bank 
 
 V. Lawson 
 V. Lovejoy 
 V. Shiffner 
 V. Weston 
 
 I. 634 
 
 IL 298, 306 
 
 I. 483 
 
 I. 2-26 
 
 II. 640 
 
 I. 210 
 L 26 
 
 IL 649 
 
 II. 72 
 L 125, 140 
 
 I. 242 
 
 II. 406, 413 
 
 I. 298; II. 134 
 
 II. 414 
 
 L 447, 530 ; II. 
 
 182, 348 
 
 II. 651 
 
 I. 486, 491 
 
 I. 611,622,626,643 
 
 L 273 ; II. 74 
 
 I. 499, 511, 
 
 512, 513, 515 
 
 II. 56, 61 
 
 I. 73, 74 
 
 I. 516 
 
 I. 186, 258 ; II. 255, 
 
 256, 258, 239, 270, 271, 272, 273 
 
 Laxton v. Peat I. 229, 325, 326 ; 11. 239, 
 
 242, 249, 250, 533 
 
 Layet v. Gano 
 Layton v. State 
 Lazarus v. Cowie 
 
 V. Shearer 
 Lazell r. Lazeli 
 Lea V. Branch Bank 
 
 L 117 
 
 II. 637 
 
 II. 219 
 
 I 94 
 
 II. 290, 291, 309 
 
 1.21 
 
 Leach v. Buchanan L 282, 323 ; 11. 285, 
 482, 590, 593 
 
 V. Hewitt 
 Leadbitter v. Farrow 
 Leaf V. Gibbs 
 Leake v. Burgess 
 Lean v. S<-liutz 
 Leaper v. Tatron 
 Leaphardt v. Sloan 
 r>;ar V. Yarnel 
 Leavitt v. C^owles 
 
 V. I)e La 
 
 iny 
 
 V. Gooch 
 
 V. Putnam 
 
 L 557, 560 
 
 L 102 
 
 L232 
 
 L317 
 
 I. 78 
 
 IL 650 
 
 IL 474 
 
 11.417 
 
 II. 298, 310, 439, 442 
 
 II. 406, 413, 414, 
 
 433, 434 
 
 II. 647 
 
 I. 381 ; II. 13 
 
 Leavitt v. Simes I. 370, 373, 385, 395 ; 
 II. 348, 491 
 l.ebleu V. Rutherford II. 257 
 
 Le Breton v. Miles • II. 324 
 
 V. Pierce I. 223; II. Ill 
 
 Le Chevalier v. Lynch II. 326 
 
 Lechmere v. Fletcher II. 652 
 
 lice V. Alexander II. 574 
 
 V. Dick II. 140 
 
 V. Jilson II. 454 
 
 ». Levi II. 239 
 
 V. Levy II. 239, 245 
 
 V. Love II. 244 
 
 r. Muggeridge I. 79 
 
 V. Newsam II. 268 
 
 V. Oppenheimer I. 245 
 
 V. Sewall II. 162 
 
 V. Wilcocks II. 370 
 
 Bank v. Spencer I. 529, 610 
 
 V. Walbridge II. 434 
 
 Leeds Banking Co., In re I. 515 
 
 Leeds v. Lancashire I. 38, 43 ; IL 539 
 Lc Feuvre v. Sullivan IL 364 
 
 Le Fevre v. Lloyd I. 103 
 
 Leffingwell v. White L 384, 395, 588 ; 
 
 II. 516 
 
 Lcftley ». Mills L 358, 392, 410, 41 1, 
 
 415,417,516,641,644; IL 213, 461 
 
 Legg V. Legg II. 350 
 
 Legge V. Thorpe I. 534, 535, 538, 540, 
 
 544, 546, 647; II. 498 
 
 Leggett V. Raymond I. 44 ; II. 125, 132 
 
 Legh ». Legh L336;IL51 
 
 Legro V. Staples I. 38, 335 
 
 Lehman v. Jones I. 440 
 
 Leiber v. Goodrich L 46 ; II. 189 
 
 Leland v. Crcyon II. 132 
 
 V. Farnham II. 9 
 
 V. The Mcdora IL 171, 174, 175, 
 
 180 
 
 Lenicheim v. Witniarding II. 27 
 
 Lemon v. Dean II. 475 
 
 Lcnnig v. Ralston I. 57, 58, 653, 662 
 
 Lenox v. Cook I. 351 ; II, 463 
 
 V. Leverctt L 316; II. 497 
 
 V. Prout II. 240, 245, 247 
 
 V. Roberts I. 510 
 
 Lenti;. Padelford II. 139, 140 
 
 Leonard v. Gary I. 586, 596 
 
 V. Hastings I. 590
 
 INDEX TO CASES CITED. 
 
 Ixxv 
 
 Leoiuml v. Leonard I. 149, 151 ; II. 211 
 
 V. Mason I. 285 
 
 y. Smith 11. .502 
 
 V. Vredenburjrh II. 125, 128, 
 
 129, 132 
 
 V. Wildes I. 148; II. 121, 425 
 
 V. Wilkes II. 126 
 
 IK Wilson I. 65; II. 17, 560 
 
 Lequeer v. Prosser I. 44; II. 119, 130 
 
 Le Roux V. Brown II. 326 
 
 Le Roy v. Crowninshield II. 319, 320, 
 
 326, 360, 369, 383, 385 
 
 Lester v. Garland I. 384 
 
 Letcher v. Bank of the Commonwealth 
 
 II. 160 
 
 Lett V. Morris I. 336 
 
 Levasser v. Washburn II. 663 
 
 Leverick v. Meigs I. 105 
 
 Lj Veux V. Berkeley II. 635 
 
 LevistOiier, v. Marij^ny II. 660 
 
 J>evy B Baker II. 6 
 
 V. Bank of U. S. I 321 ; 11.99, 195 
 
 V. Brown II. 417 
 
 V. Cavanagh II. 61 
 
 V. Drew 1.381 
 
 V. Merrill II. 128 
 
 V. Peters L 589, 608, 622, 648 ; 
 
 II. 72 
 
 V. Pyne I 138 
 
 V. U. S. Bank II. 590 
 
 V. Wilson II. 480 
 
 Lewin v. Brunetti I. 313 
 
 Lewis's Case II 585 
 
 Lewis, Lx parte II. 165 
 
 V. Bakewell I. 502 
 
 V. Bo wen II. 49 
 
 V. Bradley II. 140 
 
 V. Brewster II. 137 
 
 V. Burr I. 401, 402 
 
 V. Cosgrave I. 205 
 
 V. Culbcrtson II. 608 
 
 V. Dalrymple II. 458 
 
 V. Fullcrton II. 319 
 
 V. Gompertz I. 468, 469 
 
 V. Gray II. 471 
 
 V. Ilanchman II. 250 
 
 i;. Harbin II. 511 
 
 V. Harvey II. 121, 137 
 
 V. Hodgson II. 454 
 
 V. Jones I. 239, 244 ; II. 242 
 
 I. 
 
 298, 570 
 
 II. 551, 
 573 
 
 1.78 
 II. 151 
 
 II. 
 
 341, 342, 
 
 360, 363 
 
 
 L 255; 
 
 [I. 9, 493 
 
 
 n. 
 
 572, 574 
 
 
 IL 
 
 298, 306 
 I. 145 
 
 
 IL 
 
 475, 488 
 
 
 II. 258, 
 
 298, 305 
 
 II. 168 
 
 II. 503 
 
 I. 26 
 
 : V. 
 
 Leonard 
 
 1.495 
 II. 577 
 
 nir 
 
 son 
 
 L 242 
 
 Lewis V. Kramer 
 
 V. Lee 
 
 V. Manly 
 
 V. Owen 
 
 V. Parker 
 
 V. Payn 
 
 V. Petayvin 
 
 V. Reilly 
 
 V. Sapio 
 
 V. Splane 
 
 V. Starke 
 
 V. Thatcher 
 
 V. Wilson 
 
 Lewiston Falls Ban 
 
 Leykariff v. Ashford 
 
 Lichtenthaler v. Thompson 
 
 Lickbarrow v. Mason II. 11, 34, 80, 212 
 
 Light V. Leininger II. 611 
 
 Liglithody V. Ontario Bank II. 89, 103, 
 
 105, 106, 189, 192, 193 
 
 Lightfoot V. Tenant II. 321 
 
 Lightner w. Will I. 441 
 
 Lighty V. Brenner II. 605 
 
 Lilley v. Miller L 584; II. 71 
 
 Lilly V. Hays I. 297 
 
 Lime Rock Bank v. Macomber II. 444 
 
 i;. Mallett L235; 11.540 
 
 Lincoln v. Bassett I. 245 
 
 V. Battelle II. 381 
 
 V. Fitch II. 469 
 
 V. Smith I. 94 
 
 Lincohi Academy v. Newhall II. 385, 637 
 
 Lincoln & Kennebec Bank v. Hammatt 
 
 L 369; IL 516 
 
 V. Page 
 L 369; 11.516 
 
 I. 478, 515; 
 
 II. 491, 492 
 I. 515, 530 
 
 I. 223 
 II. 225 
 
 Lindenberger v. Beall 
 
 Lindo V. Unsworth 
 
 Lindsay v. Chase 
 
 Lindsey v. Stevens 
 
 Lindas v. Bradwell I. 81, 82, 313 ; II. 3, 
 
 479, 489 
 
 V. Melrose 
 Linsell v. Bonsor 
 Linton v. Porter 
 
 V. Wikoff 
 
 L 170 
 
 IL 652, 661 
 
 I. 206 
 
 II. 638 
 
 Lisle V. Rogers I. 276; II. 550, 562, 672 
 Litchfield v. Falconer I. 195; II. h\3
 
 INDEX 'lO CASKS CITED. 
 
 Lithgow V. Evans 
 V. Lyon 
 Littell V. Hord 
 
 V. Marshall 
 Little V. Blunt 
 
 II. 46 
 
 II. 393, 395, 397 
 
 II. 415 
 
 L 256 
 
 II. 383 
 
 V. Consolidated Association of 
 
 Planters of La. 11.313 
 
 V. Downing II. 634 
 
 V. Duncan I. 67, 75 
 
 V. Dunlop I. 275 
 
 V. Hale I. 260 
 
 V. Nabb II. 128 
 
 V. Obrien I. 202 ; II. 209, 443 
 
 V. Phenix Bank I. 46, 273 ; II. 58, 
 
 72, 73, 74 
 
 T. Rogers I. 21 
 
 V. Slackford L 52 
 
 V. White II 415 
 
 Littlefield v. Hodge II. 147 
 
 V. Shoe I. 79 
 
 V. Smith II. 53 
 
 Littlejohn v. Gordon II. 632 
 
 ^ Littler v. Franklin II. 294, 306 
 
 Livermore v. Johnson II. 639 
 
 V. Kand II. 376, 653 
 
 Livingston v. Bird II. 412 
 
 V. Harrison II. 624 
 
 V. Ha.stie I. 125, 128, 132, 176 
 
 V. Indianapolis Ins. Co. II. 417 
 
 V. Uadclitr IL 155 
 
 V. Roosevelt I. 125, 126 
 
 Lizardi v. Cohen 11. 341 
 
 Llewellyn v. Winckworth I. 92, 101 
 
 Lloyd i\ Jewell I. 204, 210 
 
 r. Keach II. 431 
 
 V. McGarr I. 662 ; II. 497 
 
 V. Maund II. 660 
 
 r. Oliver I. 64 
 
 V. Sandilands II. 83, 84 
 
 «. Scott 11.406,412,413 
 
 V. Wilhin I. 327 
 
 Loaring, Ex parte II. 166 
 
 Lohrlcll V. Baker II. 39 
 
 V. Niphler II. ;i39, 240 
 
 Lockart v. Graham II. 465 
 
 Lockhard v. Avery II. 517 
 
 Lock wood p. IJickwitii II. 607 
 
 V. Conistock I. 145, 147 
 
 I! Crawford I •Jt)i. 'JfiS, 368, 
 
 377, 379, 467, .') I li, .019 ; II. 248 
 
 Lockwood V. Mitchell 
 Lockyer v. Jones 
 Lodge V. Dicas 
 
 r. Phelps 
 
 V. Spooner 
 Loftin V. Aldridge 
 
 V. Shackelford 
 Logan V. Attix 
 
 V Bond 
 
 V. Mason 
 Logs of Mahogany 
 Logue V. Gillick 
 
 V. Smith 
 Loraas v. Bradshaw 
 London v. Howard 
 
 II. 410 
 
 II. 91. 188 
 
 IL 201 
 
 II. 320, 353, 356, 368 
 
 I. 664 
 IL 651 
 II. 605 
 II. 1.53 
 
 I. 131 
 II. 225, 2.3U 
 II. 169 
 IL 624 
 II. 561 
 
 I. 137 
 
 I. 507 
 
 Long V. Bailie II. 212, 291, 292, 295, 296 
 
 V. Carter L 126 
 
 V. Colburn I. 99, 121 
 
 t. Greville II. 660 
 
 V. Jameson IL 651 
 
 V. Moore II. 553, 573 
 
 r. Storie (9 Hare) II. 414 
 
 V. Story (10 Misso.) L 146, 147 
 
 V. Wharton II. 413 
 
 Longchamp v. Kenny II. 93 
 
 Longfellow v. Andrews II. 453 
 
 Longley v. Griggs II. 140 
 
 Longridge v. Dorville I. 196, 199 
 
 Lonsdale v. Brown I. 57, 198, 358, 642, 
 
 647 ; IL 324 
 
 V. Lafayette Bank II. 109 
 
 Loomis V. Fay II. 509, 537 
 
 V. Pulver I. 264 
 
 Loose V. Loose L 604, 621, 623, 624, 625 
 
 Lord e. Ajjpleton I. 489, 494 ; II. 488, 
 
 492 
 V. Ciiadbourne 
 V. Chesebrough 
 r. Hall 
 V. Harvey 
 V. Moody 
 V. Ocean Bank 
 
 Lord Cochrane, The 
 Loring v. Gurncy 
 V. Sumner 
 Losee v. Dunk in 
 Loit V. D(! GiatFcnrcid 
 Loud V. Merrill 
 I.ouisiiina Hank 
 
 L 264,379, 519 
 
 II. 438 
 
 I. 84 ; IL 3 
 
 II. 652 
 
 I. 233 
 
 I. 226, 229, 326 ; 
 
 IL 27 
 
 II. 174 
 
 I. 39 
 
 L 212 
 
 I. 264, 377 
 
 II. 639 
 
 I. 635 ; II. 492, 499 
 Hank of U. S. II. 281
 
 INDEX TO CASES CITED. 
 
 Ix: 
 
 Louisiana Ins. Co. v. Shamburgh I. 453 
 
 362 
 Louisiana State Bank v. Ellcry I. 499 
 V. Orleans Naviga- 
 tion Co. II. 275 
 r. Rowel I. 483 
 Love V. Hackett II. 660 
 
 V. Nelson I. 404, 408, 411 
 
 Lovejoy v. Robinson II. 619 
 
 V. Whipple I. 49 
 
 Lovel V. Wartcnburgh I. 396 
 
 Loveland v. Shepard II. 141, 142 
 
 Lovell V. Evertson II. 439, 455 
 
 V. Hill I. 24 
 
 V. Martin II. 212, 256, 266 
 
 Lovett V. Cornwell II. 193 
 
 Low V. Blodgett II. 455 
 
 V. Burrows I. 255 
 
 r. Chifney I. 188 ; II. 494 
 
 V. Copestake IL 439 
 
 V. Howard I. 580, 601, 605, 606 
 
 V. Treadwell II. 527 
 
 V. Underbill II. 248 
 
 Lowber v. Sbaw II. 466 
 
 Lowe V. Blair II. 528 
 
 V. London & Northwestern 
 
 Railway Co. I. 163 
 
 v. Murphy I. 25 
 
 V. Peskett II. 441 
 
 V. Sowell II. 658 
 
 V. Waller 11.408,417, 418 
 
 Lowell V. Daniels I. 78 
 
 V. Gage II. 122, 124 
 
 V. Johnson II. 415, 420 
 
 Lowery v. Scott I. 492 
 
 Lowes V. Mazzaredo I. 218 ; II. 418, 431 
 
 Lowndes v. Anderson II. 42, 44, 93, 269 
 
 V. Collens II. 393, 397, 399 
 
 Lowney v. Perlmm II. 488 
 
 Lowremore v. Berry II. 435 
 
 Lowrey v Murrell II. 98, 103, 105, 106, 
 
 193 
 
 Lowry v. Adams U. 134 
 
 V. Steele I. (;iO 
 
 V. Western Bank II. 336 
 
 Loyd V. Lee I. 79 
 
 V. Williams II. 417 
 
 Lubbering v. Kohlbrecher II. 540, 572, 
 
 574 
 Lnc;is V. T)()i-iioii II. 34. 116 
 
 Lncas v. Ila.viies ' . 263, 266 
 
 V. Liulew IT. 397, 399, 405, 407 
 
 Luckey Tcjiper I. 407 
 
 Luckie v. Bu.shby II. 605 
 
 Ludlow ('. Bingham I. 260 
 
 V. Simond II. 246 
 
 V. Van Rensselaer II. 321, 331 
 
 Ludwick v. Huntzinger II. 371, 396 
 
 Luff V. Pope I. 286, 299, 300, 330, 331 ; 
 
 IL 489 
 
 Lum ('. Robertson II. 439 
 
 Lumberman's Bank v. Pratt I. 312 
 
 Lumley v. Hudson II. 234 
 
 V. Musgrave II. 164, 234, 398 
 
 V. Palmer I. 283, 285 
 
 Luna r. Edmiston If. 660 
 
 Lundie v. Robertson L 596, 614; II. 497 
 
 Lunt V. Adams I. 411, 414, 418, 420 
 
 Lusk V. Smith I. 145, 148 
 
 Lyle V. Murray II. 641 
 
 Lyman v. Morse II. 421 
 
 D. Norwich University II. 657 
 
 Lynch v. Bragg II. 609 
 
 V. Reynolds II. 242, 247 
 
 Lyon's Case IL 583 
 
 Lyon ». Holt L 426, 427 ; IL 241 
 
 V. Lyman II. 476 
 
 V. Marshall I. 34 
 
 V. State Bank II. 412 
 
 V. Sundius I. 305 
 
 V. Williamson I. 310, -435 
 
 Lyons r. Ewings I. 223 
 
 V. Miller II. 37 
 
 Lysaght v. Bryant I. 504 
 
 V. Walker IL 226 
 
 M. 
 
 Maberly v. Bank of Scotland 11. 314 
 
 McAUester v. Sprague I. 245, 248 
 
 M'Allister «. Reab 1.210 
 
 McAllister v. Smith II. 318, 499 
 
 McAlpin V. Wingard IL 604 
 
 M'Arthur v. Bloom L 84 
 
 McBride v. Gray II. 651 
 
 Macartney v Graham IL 296, 310 
 
 Macbean v. Morrison I 97 
 
 McCall V. Clayton I 97
 
 Ixxviii 
 
 INDEX TO CASES CITED. 
 
 McCallop V. Fluker 
 
 
 I. 311 
 
 McCann v. Lewis 
 
 
 II. 437 
 
 McCartney v State 
 
 
 II. 588 
 
 Macarty v. Barrow I 
 
 351 
 
 ; JI. 214 
 
 McCarty v. Mewhinney 
 
 
 II. 615 
 
 V. Roots 
 
 
 I. 223 
 
 McCaskill V. Ballard 
 
 
 I. 184 
 
 McCasky v. Sherman 
 
 
 I. 221 
 
 Maccoun v. Atchafalaya Bank 
 
 I. 639 
 
 McClain v. Waters 
 
 
 I. 494 
 
 V. Wiedemayer 
 
 
 11.49 
 
 McClanaghan v. Hines 
 
 
 II. 504 
 
 McCIane v. Fitch I. 359, 
 
 435, 
 
 ^16, 642 
 
 M'Clean v. Hertzog 
 
 
 11. 292 
 
 M'Clellan v. Clarke 
 
 
 I. 530 
 
 McClintock's Appeal 
 
 
 II. 645 
 
 M'Clure v. Bennett 
 
 
 I. 169 
 
 V. M'Clure 
 
 
 II. 642 
 
 McClure v. Williams 
 
 
 II. 420 
 
 McCoUum V. Hinckley 
 
 I. 
 
 238, 243 
 
 McComb V. Kittridge 
 
 
 1.240 
 
 McConnel v. Thomas 
 
 II 
 
 450, 4 52 
 
 McConnell v Hodson 
 
 
 II. 275 
 
 V. Stettinius 
 
 II. 
 
 154, 308 
 
 McCoon V. Galbraith 
 
 
 II. 641 
 
 McCord V. Williams 
 
 
 II 606 
 
 M'Cormick l\ Trotter 
 
 
 1.46 
 
 M'Coy V. Gilmore 
 
 
 I. 29 
 
 V. Moss 
 
 II 
 
 523, 524 
 
 McCready v. Cann 
 
 
 I. 256 
 
 McCrillis v. How 
 
 
 I. 68 
 
 M'Crummen v. M'Crummen 
 
 
 I. 483 
 
 McCuUoch V. Judd 
 
 
 II. 647 
 
 V. Commercial Bank 
 
 I. 499 
 
 McCuUough V. Henderson 
 
 
 II. 634 
 
 V. Moss I. 
 
 164, 
 
 165, 166, 
 
 173 
 
 II 609 
 
 McCully V. Silverburgh 
 
 
 McCurry v. McKesson 
 
 
 II. 649 
 
 McDade v. Mead II. 
 
 605, 
 
 610, 618 
 
 M'Daniel v. Hughes 
 
 
 II. 387 
 
 McDaiiiels v. Barnum 
 
 
 11.416 
 
 McDermott v. McCormick 
 
 
 II. 480 
 
 M'Doal V. Yeomans 
 
 II. 
 
 133, 142 
 
 McDonald v. Bailey I 
 
 .'■)79 
 
 ; 11. 348 
 
 r. Black 
 
 
 II. 612 
 
 I.'. Boving*i«'i 
 
 
 11. 234 
 
 r. Ilairi-ni 
 
 
 II. 610 
 
 V. Li'c 
 
 
 I. 407 
 
 V. McCjuirc 
 
 
 II. 640 
 
 McDonald v. Smith 
 M'Donald v. Johns 
 
 V. Magruder 
 
 V. Pickett 
 McDonnell v. Branch Bank 
 M'Donough v. Goule 
 McDougald v. Dougherty ■ 
 
 V. Rutherford 
 M' Do wall V. Boyd 
 McDowel V. Chambers 
 McDowell V. Bank 
 
 II. 
 
 I. 393; II. 348 
 
 II. 646 
 
 11. 250 
 
 II. 222 
 
 641. 642 
 
 II 24 
 
 II. 622 
 
 II. 352 
 
 II. 1.54 
 
 I. 22 
 
 II. 246 
 
 V. Blackstone Canal Co. II. 227 
 
 V. Cork 
 V. Goldsmith 
 M'Dowcll V. Tyson 
 McDuffie V. Magoon 
 McElfrttrick v. Hicks 
 M'Klmoyle v. Cohen 
 McElroy v. Caldwell 
 McElwell V Collins 
 M'Evers v. Mason 
 McFiidden r Fortier 
 M'Fadden v. Maxwell 
 McFarland v. Pico 
 Macfarlane v. Moses 
 Mrtcferson ». Thoytes 
 
 M'Gahey v. Alston 
 McGarr v. Lloyd 
 M'Gee v. Donaphan 
 McGee v. Prouty 
 
 M'Gehee v. Greer 
 McGill V. Ware 
 M'Ginn v. Holmes 
 McGinnes v. McGinnes 
 McGinnis v. Allen 
 M'Ginnis v. Hart 
 McGowen v. West 
 McGrath v. Hoopes 
 McGregor v. Cleveland 
 Macgregor r. Rhodes 
 McGrew v. Toulmin 
 M'Gru 
 
 L318 
 
 II. 9, 629 
 
 II. 609 
 
 IL 515, 525, 535 
 
 IL 412 
 
 II. 381, 383 
 
 II. .545 
 
 II. 428 
 
 I. 294 ; II. 62 
 
 II. 425 
 
 II. 470, 471 
 
 I. 636, 643 
 
 II. 4£5 
 
 II. 477, 483, 48.'J 
 
 590 
 
 II. 304 
 
 II. 294 
 
 IL 301 
 
 L 233, 255 ; II. 
 
 456,515 
 
 IL 662 
 
 II. 421 
 
 IL 1.54, 217 
 
 II. 466, 467 
 
 11. 612 
 
 II. 406 
 
 1. 25 
 
 II. 457 
 
 L 136 
 
 II. 484 
 
 L 495 
 
 r t Dank of Washington 
 
 II. 421, 450. 451, 452, 456 
 McGuire ». Bosworth II 121 
 
 M'Guire v. Gndsby II. 204 
 
 Machell r. Kinnear II. 439 
 
 McHenry v. Ridgoly II. 451 
 
 Mclniffe v. Wlicelock 11. 622
 
 INDEX TO CAPES CITED. 
 
 Ixxix 
 
 Macintosh r. Haydon II. 548 
 
 Mclrityic I'. Kennedy II. 153 
 
 V. Parks II. 328 
 
 Mackay v. Dodge I. 239 
 
 V. Holland I. 275 
 
 McKenna v. George I. 244 
 
 McKenney v. Whipple I. 310, 430 
 
 M'Kenny v. Waller II. 240 
 
 McKenzie v. Durant I. 310, 411, 414; 
 
 II. 461 
 
 .V. Hunt II. 604 
 
 V. Nevius II. 228, 230 
 
 Mackenzie v. Scott I. 105 
 
 McKesson v. Stanberry I. 189 
 
 Mackey v. State II. 588 
 
 Mackie v. Cairns II. 319 
 
 McKiel V. Real Estate Bank I. 310 
 
 M'Kim V. Marshall II. 361 
 
 V. Smith II. 62 
 
 McKinley v. Winston II. 607 
 
 M'Kinnell v. Robinson I. 214 
 
 McKinnev v. Beeson II. 268, 280 
 
 M'Kinney v. Crawford I. 264, 268, 377, 
 
 380, 381, 382, 519 
 
 V. Springer II. 633 
 
 McKissick v. McKissick II. 327 
 
 McKleroy v. Southern Bank of Ky. 
 
 II. 482, 484, 600, 602 
 McKnight v. Lewis I. 475, 476, 477 
 
 M'Knight V. Wheeler II 407 
 
 McKown V. Whitinore II. 640 
 
 Mackreth v. Symmons II. 167 
 
 M'Lachlan v. Evans II. 94 
 
 Maclae v. Sutherland I. 130, 135, 136 
 
 McLain v. Rutherford I. 393 
 
 M'Lanahan v. Brandon I. 493 
 
 McLaren v. Watson II. 133 
 
 McLean v. Jackson II. 634 
 
 M'Lean v. Ragsdale II. 638 
 
 McLellan v. Crofton II. 647 
 
 McLemore ». Cannon I. 189 
 
 M'Lemore v. Powell I. 240 ; II. 239, 
 
 240, 242, 247, 533 
 Macleod v. Snee I. 44 
 
 Maclish v. Ekins II. 110 
 
 M'Lughan v. Bovard II. 181 
 
 McMahan v. Bremond I 355 
 
 McMenoiny v. Farrers 1. 335 
 
 V. Murray II. 359. 361 
 
 McMicken v. Beauchamp II. 577 
 
 McMicken r. Webb 
 M'Millan r. M'Neill 
 McMillan v. Wood 
 M'Minn v. Owen 
 McMinn r. Richmonds 
 
 L 239 
 
 II. 360, 362 
 
 II. 636 
 
 II. 506 
 
 I. 67, 68 
 
 McMurchey v. Robinson I. 374, 384, 643 
 
 M'Murtrie v. Jones I. 490, 494 
 
 McNair tK Cooper II. 530 
 
 V. Fleming I. 137 
 
 V. Gilbert II. 290, 293 
 
 McNair}' v. Bell I. 310 
 
 McNamee v. United States II. 663 
 
 McNeil V. McCamley II. 153 
 
 V. McClintock IL 305 
 
 M'Neilage r. Holloway I. 88 ; II. 357, 
 
 447 
 
 M'Neill V. M'Donald L 275 
 
 McPherson v. Ross II. 608 
 
 M'Hae v. Boast IL 254 
 
 McRae v. Kennon II. 486 
 
 w. Leary 11.651,652 
 J'U&e V. Mattoon II. 356 
 McRae v. Morrison II. 298 
 Mactaggart v. Watson I. 243 
 M'Teer v. Hunter ' II. 660 
 McWilliams v. Mason I. 239 
 Macyw. DeWolf 11.180 
 Madden v. Burris II. 475 
 Maddock v. Hammett II. 417 
 V. Rumball II. 409 
 Maddocks v. Hankey II. 486 
 Maddox v. Graham 11. 33, 34. 35 
 Madison, &c. Plank-Road Co. v. Ste- 
 vens II. 503 
 Magee v. Badger II. 278 
 
 V. Carmack II. 105 
 
 V. Dunbar I. 502 
 
 Maggs V. Ames I. 244 
 
 Magor V. Hammond I. 62 
 
 Magruder t;. Goodwyn II 640 
 
 V. Peter II. 167. 168 
 
 V. State Bank II. 424 
 
 V. Union Bank I. 354, 445, 526 
 
 Mahan v. Ross II. 605 
 
 V. Sherman I. 137 ; II. 511 
 
 Maher v. Overton I. 94 
 
 Mahier v. Le Blanc I. 387 
 
 Mahone r. Central Bank II. 663 
 
 Mahony v. Ashlin I. 55, 643 ; II. 324 
 
 Mahorner v. Hooe II. 320
 
 Ixxx 
 
 INDEX TO CASES CITED. 
 
 Mahurin v. Pearson I. 237 ; II. 608 
 
 Maillard v. Duke of Argyle II. 154, 186 
 Maine Bank v. Butts II. 412, 421 
 
 V. Smith I. 370. 570 
 
 Mainer v Spuilock I. 471, 473, 474, 497 
 Mainwaripg v. Newman I. 137 ; II. 459 
 Makepeace v. Harvard College II. 146, 
 
 535, 542 
 
 V. Moore I. 158 
 
 Malbon v. Southard I. 160; II. 5, 121, 
 
 122 
 
 Malcolm v. Scott I. 336 
 
 Maiden Bank v. Baldwin I. 439, 440 
 
 Male V. Roberts II. 350 
 
 Malin v. Malin II. 574 
 
 Mallet V. Thompson I. 326 ; II. 250 
 
 Mallory v. Grant II 138 
 
 V. Kirwan I. 507 
 
 Malpas V. Clements II. 487, 663 
 
 Maltby r. Cooper II. 628 
 
 Manadue v. Kitchen I. 182, 487, 489 
 
 Manchester v. Mathewson II. «47 
 
 Manchester Bank v. Fellows I. 412, 413, 
 
 414, 482, 483, 484, 510, 
 
 513, 514, 515; 11.462 
 
 V. White I. 510 
 
 Mandeville v. Welch I. 227, 330. 331, 
 
 333, 334 ; II. 61 
 
 V. Wilson II. 648 
 
 Maneely v. M'Gee II. 151 
 
 Manhattan Co. v. Ledyard II. 480 
 
 V. Osgood II. 421 
 
 V. Reynolds I. 358 ; II. 
 
 437, 442, 443, 444 
 
 Manhood v. Crick II. 154 
 
 Manion v. Titsworth II 629, 637 
 
 Maniort v. Roberts II. 50, 449 
 
 Manley v. Boycot I. 234 ; II. 515, 522, 
 
 525 
 
 Mann v. Cliandier I. 99, 102, 169 
 
 V. King I. 109 
 
 V. Lent I. 186, 203 
 
 V. Marsh II. 225 
 
 V. Moors I. 486 
 
 Manning v. Iliiys I. 12G, 128, 470 
 
 V. McClure I. 222 
 
 V. Shotwell I. 237 
 
 V. Wcsterne IT. 225, 228 
 
 IK Wheeler H. 649 
 
 Mnnrow r. Dinluini I. 44; II. Mil, 123, 
 
 12.'>, 12'.(, 130 
 
 Mansfield v. Corbin I. 1 95 
 
 V. Ogle II. 406, 413 
 
 Manson v. Felton I. 89 
 
 Manufacturers' Bank v. Cole I. 239 ; IT. 
 
 444, 445 
 V. Winship I. 132 
 Manwaring v. Harrison I. 269, 377 
 
 Marberger v. Pott I. 233, 237, 238 
 
 March y. Ward 1.251 
 
 Marchant v. Dodgin II. 415, 420 
 
 Marchington v. Vernon II. 4, 210 
 
 Mardall v. Thellusson II. 612 
 
 Mare v. Charles I. 97 ; II. 478 
 
 Marfield v. Davidson II. 292 
 
 Margesson v. Goble I. 469 
 
 Margetson v. Aitken I. 597, 615 
 
 Marine Bank of the City of New 
 
 York v. Clements II. 478 
 
 Marine & Fire Ins. Bank v. Jauncey 
 
 I. 290, 335 
 
 Mariners' Bank v. Abbott I. 235, 241, 
 
 246 ; II. 519 
 
 Marion, The Schooi^er 
 
 II. 170 
 
 Marion & M. R. R. C 
 
 o. V. Dillon 
 
 I. 63. 
 
 28S 
 
 Marion, &c. R. Co. v. 
 
 Hodge 
 
 I. 288 ; 
 11.83 
 
 V. 
 
 Lomax 
 
 I. 288 
 
 Markle v. Hatfield 
 
 I. 37, 38, 
 
 101, 186, 
 
 189, 190, 192, 
 
 485. 600 
 
 Marks v. Morris 
 
 
 11.416 
 
 Marlar, Ex parte 
 
 II. 
 
 395, 397 
 
 Marlett v. Jackman 
 
 
 1.143 
 
 Marple v. Myers 
 
 
 II. 634 
 
 Marr v. Johnson 
 
 I. 
 
 490, 504 
 
 V. Plummer 
 
 
 II. 454 
 
 Marrigan v. Page 
 
 
 1.23 
 
 Marryatts v. White 
 
 II 
 
 222 229 
 
 Marsall v. Russell 
 
 
 II. 626 
 
 -Vlurseilles v. Kenton 
 
 II. 
 
 647, 649 
 
 Marsh v. Barr 
 
 
 I. 498 
 
 V. Day 
 
 
 II. 119 
 
 V. Houlditch 
 
 
 II. 230 
 
 V. Mai-tindale 
 
 II. 412, 
 
 420, 422 
 
 V. Maxwell 
 
 
 I. 517 
 
 r. Newell 
 
 
 II. 441 
 
 V. I\'(ldcr 
 
 II. 86, 154 
 
 155, 184 
 
 r. Putnam 
 
 
 II. 264 
 
 V. Small 
 
 II. 275 
 
 277, 589 
 
 /). Turner 
 
 
 II. 167 
 
 "larshairs Case 
 
 
 II. ,585
 
 INDEX TO CASES CITED. 
 
 Ixxxi 
 
 Marshall v. Aiken I. 246 
 
 V. Baltimore & Ohio R. R. 
 
 Co. I. 214 
 
 V. Dallibei II. 649 
 
 V. Gougler II. 553, 555 
 
 V. Mitchell I. 568. 570, 589, 611 
 
 V. Poole II. 394, 399 
 
 V. Pyeatt 11. 457 
 
 V. Rutton I. 78 
 
 Marson v. Petit II. 54" 
 
 Marston v. Allen I. 49 ; II. 44, 265, 273 
 
 V. Brackett II. 470 
 
 V. Carter I. 86 
 
 V. Forward I. 188 
 
 Martel v. Tureaud I. 575 
 
 Martendale v. Follet II. 549, 571, 572 
 
 Martin v. Bacon I. 283, 286 
 
 v. Bank of U. S. I. 231, 232 ; II. 
 
 100, 265, 298, 312, 314 
 
 V. Boure I. 1 1 
 
 V. Chauntry I. 45 
 
 V. Boyd II. 121 
 
 Martin v. Branch Bank at Detroit 
 
 II. 630, 640 
 
 V. Bridges II. 661 
 
 ». Broach II. 651 
 
 V. Draher II. 222 
 
 V. Franklin I. 663 ; II. 370 
 
 V. Hamilton I. 279, 309 
 
 r. Hill 11.319,327,369 
 
 V. Ingersoll I. 515, 591, 603 
 
 V. Kirk I. 146, 147 
 
 V. Letty II. 637 
 
 r. Maguire II. 476 
 
 r. Martin 11.318,334,633 
 
 V. Mayo I 73 
 
 V. Mechanics' Bank II. 252 
 
 V. Morgan 11. 71, 77 
 
 V. Pennock II. 159 
 
 V. Stribling I. 232 
 
 V. Trobridge II. 604 
 
 V. Walton I. 147 
 
 V. Warren II. 455 
 
 V. Winslow I. 264, 377, 379, 380, 
 
 381, 595, 602 
 
 Marvin v. Bates II. 635 
 
 V. Feetcr II 409 
 
 V. McCulIum I. 48 
 
 Marvine v. Hrmers I. 164 ; II. 411, 
 
 421. 433 
 Vol ^.~F 
 
 Mary, S'rop II. 413 
 
 Mary Blane, Steamboat, v. Beeler II. 642 
 
 Marzetti v. Williams II. 63, 213 
 
 Mask V. Philler U. 652 
 
 Maskell v. Pooley H. 663 
 
 Mason v. Barff I- 284 
 
 V Bradley II. 559, 560, 580 
 
 V. Croom U. 623 
 
 V. Dousay I. 294 
 
 W.Franklin 1.351,440,441 
 
 V. Haile II. 326 
 
 v. Hunt I. 286, 292, 301, 302, 
 
 305, 329 
 
 V. Lickbarrow II. 178 
 
 V, Morgan I. 87 
 
 V. Peters I. 241 
 
 V. Rumsey I. 123, 135 ; II. 477 
 
 r. Waite II. 93, 266, 267, 280 
 
 V. Wickersham II. 160, 201 
 
 Mass. Bank v. Oliver I. 501, 502 
 
 Master v. Miller (1 Anst.) II. 36, 581 
 
 V. Miller (4 T. R. 320) I. 276, 
 
 312, 321 ; II. 5.'J0, 574, 58) 
 
 Masterman v. Cowrie 11. 407 
 
 Masters v. Barrets I. 255 ; II. 9 
 
 V. Baretto I. 428 ; II. 548 
 
 V. Dunn II. 639 
 
 V. Ibberson II. 273, 274 
 
 Mather v. Bush II. 361 
 
 V. Maidstone II. 283, 493, 593, 600 
 
 Mathes v. Bennett II. 629 
 
 Mathew v. Sherwell II. 82 
 
 Mathews V. Aikin II. 246 
 
 V. Fogg I. 499 
 
 Matlack v Hendrickson II. 45, 52, 453 
 
 Matlock V. Livingston I. 195 
 
 Matossy v. Frosh II. 473 
 
 Matson V. Booth II. 568 
 
 Matthews v. Allen I . 608 
 
 V. Coalter II. 577,578 
 
 V. Griffiths II. 410 
 
 V. Haydon I. 361 
 
 V. Houghton I. 45 
 
 V. Lewis II. 413 
 
 V. Poythress I. 189, 259, 260 ; 
 
 IL 256, 258, 260, 278 
 
 V. Redwine I. 33 
 
 V. Rutherford I. 226 
 
 Matthey v. Gaily I 580 
 
 Mauldin v. Branch Bank I. 126
 
 INDEX TO CASES CITED. 
 
 Maule V. Murray II. 369 
 
 Maupin v. MfCorinick II. 505 
 
 Mauran ?J. Lamb 11.84,209,220,436, 
 
 437, 443 
 
 Mauri v. HefFerman II. 477 
 
 Maurin v. Perot I. 436, 437 
 
 Maury v. Ingraham II. 484 
 
 Maverick v. Salinas II. 634, 635 
 
 Mavor v. Pyne II. 631 
 
 Mawson v. Blane I. 77 
 
 Maxey v. Knight II. 393 
 
 Maxwell r. M'llvoy 11.315 
 
 May V. Boisseau I. 471, 609 ; II. 447 
 
 V. Campbell II. 428 
 
 V. Coffin I 528, 599, 611, 631 
 
 V. Cooper I 385, 392 
 
 V. Harvey II. 82 
 
 V. Kelly I. 116, 313; II. 489 
 
 V. Quiniby I. 221 
 
 V. Kumney II. 629 
 
 V. State Bank I. 656 
 
 Maybee v. SnifPen II. 552, 577, 578 
 
 Maybin v. Kirby II. 46, 47 
 
 May hew v. Boyd I. 238 ; II. 246 
 
 V. Crickett I. 242; II. 135, 234, 
 
 249, 253 
 
 V. Prince I. 94, 298 
 
 Maynard v. Fellows II. 125 
 
 V. Johnson II. 163 
 
 V. Nekervis II. 467, 470 
 
 Mayne v. Griswold II. 640 
 
 Mayo V. Chenoweth I. ;33 
 
 Mayor v. Johnson I. 231 ; II. 100, 294, 
 
 296, 312 
 
 V. Ripley I. 247 
 
 of Alexandria v. Patten II. 224, 225 
 
 of Ludlow V. Charlton I. 163 
 
 Miizuzan v. Mead II. 429 
 
 Mazagora's Ca.se II. 588 
 
 McLaren v. Hall II. 162 
 
 Meacher u Fort I. 33, 322; II. 592 
 
 Mead v. Carnal I. 40S 
 
 V. Engs I. 509, 510 
 
 V. Small I. 440, 529, 568, 575; 
 
 II. 95 
 
 V. Stegcr II. 502 
 
 V. Young II. 4, 212, 479, 584 
 
 Mender V. Scott II. Cos 
 
 Meadow v, I'.ird I. 'J 7 9 
 
 Meagoe v, Simmons II. 411, 4 19 
 
 Mears v. Graham I. 28, 169 
 
 Mechanics' Bank v. Bank of Columbia 
 
 L94,95 
 
 &c. Bank v. Compton I. 497, 
 
 498 
 
 Bankw. Earp L 104, 105 
 
 v. Griswold I. 529, 562, 
 
 566, 632 
 
 V. Hildreth I. 146 
 
 r. Merchants' Bank 
 
 I. 368, 373 
 
 r. Minthorne 11.371 
 
 V. N. Y. & N. H. R. R. 
 
 Co. L 108, 119; IL 
 
 33, 34. 35, 115, 116 
 
 & Farmers' Bank v. Schuyler 
 
 L 115, 386; IL 11 
 
 Bank, &c. v. Townscnd II. 427 
 
 .Mccorney ». Stanley II. 124, 126 
 
 Mecutchen v. Kennady I. 127 
 
 Medbury v. Hopkins IL 3' 8 
 
 Medcalf v. Hall I. 269, 378 
 
 Med way v. Needham II. 319 
 
 Medway Cotton Manufactory v. Adams 
 
 L 171 : IL 451 
 
 Meech v. Smith 
 Meegan v. Boyle 
 Meeker v. Jackson 
 Meggadow v. Holt 
 Megginson v. Harper 
 
 Meggot V. Mills 
 Meghan /;. Mills 
 Meigs V. Dimock 
 Melau V. Fitzjames 
 Melanotte v. Teasdale 
 Mellcdge v. Boston Iron Co. 
 
 II. 132 
 
 IL 634 
 
 IL 298, 302, 304 
 
 I. 63J 
 
 L 32 ; II. 643, 656. 
 
 661 
 
 U. 228, 229 
 
 11.46 
 
 IL 167 
 
 II. 319, 367 
 
 I. 25 
 
 L 93, 167; 
 
 IL 151, 152, 158, 176 
 
 iMcllensh v. Rippen I. 474, 475 
 
 Mellish V. Rawdon I. 264, 266, 267, 269, 
 
 338, 340, 341, 342, 343, 344, 345 
 
 V. Simeon I. 651, 652 ; II. 370 
 
 Mellon V. Croghan I. 311 
 
 Melvill V. Glendining I. 239 
 
 Mcndenhall v. Lcnwell II. 528 
 
 Mcndez v. Carreroon I. 358 ; II. 220 
 
 Mcndizabal v. Machado I. 293, 302 
 
 Mcucndcz r. Syndics of Larionda II. 298 
 
 Menkens v. Hcringlii I. 83 
 
 Mense v. Osbern I. 622. 648
 
 INDEX TO CASES CITED. 
 
 Ixxxiii 
 
 Mercantile Bank r. Cox I. 1.32 
 
 Mercein I'. Anilnis I. 125 
 
 Mercei- V. Cheese II. 151, 154 
 
 V. Clark I. 2()2 
 
 V. Lancaster I. 199, 498 
 
 V. Sayre II. 94 
 
 V. Selden II. C46 
 
 Merchants' Bank r. Birch I. 501 
 
 V. Early I. 555 
 
 r. M'Intyre II. 590 
 
 r. Rawls II. 620 
 
 V. Spalding II. 90 
 
 V. Spicer I. 23, 36 ; 
 
 II. 16, 58, 72, 73 
 
 Meredith v. Banks II. 425 
 
 V. Duval II. 358 
 
 V. Hinsdale II. 368 
 
 T. Short I. 227 
 
 Meriam v. Rundlett II. 387 
 
 Meriwether v. Bird II. 602 
 
 Merle v. Andrews II. 641 
 
 Merlin v. Manning II. 49 
 
 Merriam v. Granite Bank I. 223, 259 
 
 ». Walcott II. 37, 39, 186, 600, 
 
 602 
 
 V. Wilkins I. 72 
 
 Merrick v. Boury II. 153, 160, 573 
 
 Merrifield v. Cobleisrh II. 444 
 
 Merrill v. Smith II. .50 
 
 Merrills v. Law II. 417 
 
 V. Swift IL 4-53, 455 
 
 Mei'rimack Co. Bank v. Brown I. 241, 
 
 595; II. 223 
 
 Merriman v. Maple II. 244 
 
 Merritt v. Benton II. 433 
 
 V. Clason I. 22 
 
 V. Lincoln I. 237 
 
 V. Seaman II. 612 
 
 V. Thompson II. 625 
 
 V. Todd I. 378 
 
 Mertens v. Winnington I. 317 
 
 Messenger v. Southey I. 468, 469, 475 
 
 Metcalf V. Pilcher II. 428, 604 
 
 Metcalfe v. Riciiardson I. 469, 477, 614 
 
 Meyer v. Haworth I. 79 
 
 Michael v. Myers II. 241, 242 
 
 Michigan Bank v. Gardner I. 332 
 
 V. Leavenworth I. 241 
 
 Ins. Co. V. Leavenworth I, 41, 
 
 49, 160, 381 ; II. 11, 13 
 
 Michigan State Bank v. Peck I. 299 
 
 Mickles V. Colvin I. 224 
 
 Middli'bury v. Case II. 452 
 
 Middlesex Husbandmen, &c. v. Davis 
 
 I. 228 
 
 Middleton w. Gill II. 399 
 
 Middletown Bank v. Jerome II. 493 
 
 .Miers r. Brown 1.471,629 
 
 Milhurn v. Guyther II. 605 
 
 Miles V Berry II. 640 
 
 V. Gorton II. 178 
 
 V. Hall I. 489 
 
 V. O'Hara IL 515 
 
 V. Williams II. 3, 45 
 
 Milford V. Mayor L 350 ; II. 214, 463 
 
 Millar v. Hall II. 359 
 
 Millaudon v. Arnous II. 239, 240 
 
 Miller v. Austen I 26 
 
 V. Berkey II. 138 
 
 J. Cohea II. 594 
 
 V. Delamater I. 83 
 
 V. Edmonston TI. 532 
 
 0. Gam hie I. 232 ; II. 525 
 
 V. Gaston I. 44; II. 119, 130, 133 
 
 V. Gilleland II. 550, 551, 556, 577 
 
 V. Hackley L 57, 59, 350, 351 , 478, 
 
 482, 596, 598, 607, 610; 
 
 II. 323, 324, 463, 496 
 
 V. Helm I. 158 
 
 V. Hennen I. 488 
 
 r. Holbrook II. 528 
 
 V. Hughes L 133 
 
 V. Hull II. 420 
 
 V. Irvine II. 128 
 
 V. Ken- II. 410 
 
 V. Lumsden II. 151, 153, 160, 308 
 
 t'. McCan II. 245 
 
 V. Manice I. 125 
 
 v. Miller II. 54, 89, 92, 94, 188, 
 
 230, 619 
 
 V. Moore II. 169 
 
 V. Race I. 120, 256, 258; II. 88, 
 
 92 110, 111, 112, 113,114, 115, 
 
 188, 212, 266, 267, 268, 269, 
 
 272, 275, 276, 280, 282, 293 
 
 V. Reed II. 561, 577 
 
 V. Stem I. 24C 
 
 V. Stewart I. 239 
 
 r. Thomson L 62, 288 
 
 V Trevilian II. 223
 
 Ixxxiv 
 
 INDEX TO CASES CITED. 
 
 Miller v. Webb II. 258, 298, 304, 305 
 
 r. White II 511 
 
 V. Williamson I. 158 
 
 Milliken v. Brown I. 249 
 
 V. Loring 1 145 
 
 Millis r. Barber 11.438 
 
 Mills V. Bank of U. S. I. 397, 470, 471, 
 
 473, 475, 476; II. 325 
 
 V. Barber I. 187 ; II. 494 
 
 B. Fowkes II. 223, 224, 226, 227, 
 
 231, 653 
 
 V. Gibson I. 596 
 
 V. Kuykendall I. 45 
 
 ». Lumpkin II. 611 
 
 V. Rouse I. 590 
 
 V. Safford II. 91, 188 
 
 V. Starr IT. 549, 552, 573 
 
 ». Taber II. 649 
 
 Miln V. Prest I. 285, 292, 293, 302 
 
 Milne v. Graham II. 353, 355 
 
 Milries V. Dawson I. 178, 191 ; II. 55 
 
 Mims V. McDowell I. 243 ; II. 153, 200 
 
 V. Macon & W. R. R. II. 168 
 
 Minard v. Mead I. 8C 
 
 Minell v. Reed I. 184 
 
 Miner v. Bank of La. II. 314 
 
 Minet v. Gibson L 32 ; II. 50, 585, 592 
 
 Minkler v. Minkler II. 661 
 
 Minor v. Mechanics' Bank I. 252 
 
 Minturn v. Fisher I. 407, ■>S2, 589, 647 ; 
 
 II. 59, 68 
 Miranda v. City Bank I. 482, 591 
 
 Miser v. Trovinger I. 502, 533, 5a7, 555, 
 
 647 
 Mitcliell V. Baring I. 316, 441 
 
 V. Clay II. 652, 653 
 
 ». Cross L 511, 512 
 
 V. Culver L 115; IL 11 
 
 ». Dall II. 222, 223, 225 
 
 V. I)ei,naii(l I. 289, 291, 337, 
 
 352, 384, 509 
 v. Griffith II. 406 
 
 V. Jolinson II. 480 
 
 V. Kingman I. 149 
 
 V. McJ.,emore II. 64 I 
 
 V. 0.-,trom I. H5 
 
 r. Reynolds I. 69 
 
 ». Hicc II. 440 
 
 ». Ringgold II. 552, 566 
 
 r. I{(,me R. R. Co. I. 25, 228 
 
 Mitchell ». Scaife II. 169 
 
 V. Sellman II. 607, 650, 651 
 
 Mitcheltree v. Veach II. 645 
 
 Mitchinsoii v. Hewson I. 85 
 
 Mitford I'. Wakot I. 313 
 
 Mix V. Madison Ins. Co. II. 378, 407 
 
 V. Ely II. 176 
 
 V. State Bank II. 457 
 
 Moakley ». Riggs II. 138, 141 
 
 Mobley v. Clark I. 63, 537, 544 
 
 V. Ryan II. 9 
 
 Moffat V. Edwards I. 39 
 
 Moffatt's Case II. 583 
 
 Moffatt V. Buchanan II. 640 
 
 Mogadara v. Holt I. 631 ; II. 73 
 
 Moggridge v. Jones I. 200, 204 
 
 Mohawk Bank v. Brodcrick I. 271, 554; 
 
 IL 58, 59, 68, 69, 71, 72 
 
 V. Corey I. 222, 226; 11.28 
 
 V. Van Home II. 247 
 
 Moies V. Bird II. 117, 121, 126, 131, .501, 
 
 521 
 
 Moline, Ex parte L 360, 416, 417, .500, 
 
 516; IL 213 
 
 Molloy V. Delves L 113, 290 
 
 Molson V. Hawley IL 27 
 
 Molton V. Camroux I. 1 50 
 
 Monroe v. Hoff II. 41, 156 
 
 Montague v. Perkins I. 49. Ill, 114, 
 
 290, 387; IL 12, 643 
 
 Montgomery v. Chadwick II. 633 
 
 V. Elliott 1.310,430,431,432 
 
 Montgomery Co. Bank v. AUiany City 
 
 Bauk L 48' • !I. 209 
 
 V. Marsh I. 490 498 
 
 R. R. Co. r. Hurst II. 510, 
 
 558 
 
 Montilict V. Duncan I 499 
 
 Montpclicr Bank v. Dixon I. 237 
 
 Montross v. Clark II. 27 
 
 Moodic V. Morrall I. 366, 458,493 ; II. 245 
 
 Moody V. Lcavitt 1. 197 
 
 V. Mack II. 71 
 
 V. Miihurin ' II. 92 
 
 ('. Howell II. 476 
 
 r. Tlirelkeld I. 31 
 
 Moon ■('. Ilaynie I. 575 
 
 Moor 71. Fol.som II. 121 
 
 )•. Wilhy I. 283 
 
 .MoDie V. AyrcH II. ^98
 
 INDEX TO CASES CITED. 
 
 Ixxxv 
 
 Moore v. Barthrop 
 
 II. 85 
 
 Morgan r. Tovs'les 
 
 L 351 ; II. 46c 
 
 V. Battle 
 
 II. 409 
 
 V. Van Ingen 
 
 I. 499 
 
 V. Burr 
 
 I. 511, 519 
 
 V. Walton 
 
 n. 653 
 
 V. Butlin 
 
 II. 602 
 
 V. Wood worth 
 
 I. 499 
 
 V. Caldwell 
 
 II. 638 
 
 ../lorice v. Lee 
 
 L43 
 
 V. CandfU 
 
 I. 192 
 
 Morisset v. King 
 
 IL 422 
 
 V. Coffield I. 
 
 449, 573, 601 
 
 Morley v. Boothby 
 
 IL 127 
 
 V. Cooper 
 
 I. 99 
 
 V. Culverwell 
 
 L230;n. 215 
 
 V. Davidson 
 
 II. 508 
 
 V. Inglis 
 
 II. 605 
 
 V. Denslow 
 
 II. 440 
 
 Morrell i;. Dickey 
 
 II. 374 
 
 V. Fall II. 290, 291 
 
 293, 296, 303 
 
 V. Frith 
 
 IL 653 
 
 V. The Fashion 
 
 II. 170 
 
 Morrill v. Brown 
 
 II. 89, 92 
 
 V. Fuller 
 
 II. 397 
 
 V. Otis 
 
 II. 582 
 
 V. Greene 
 
 II. 639, 640 
 
 Morris ». Edwards 
 
 II. 89,96, 506, 517 
 
 V. Hardcastle 
 
 I. 498. 621 
 
 V. Foreman 
 
 I. 358 
 
 V. Hardison 
 
 II. 659 
 
 i;. Husson 
 
 I. 495, 498, 525 
 
 V. Hillebrant 
 
 11. 6.59 
 
 V. Lee 
 
 L21, 24, 43 
 
 ». Hylton 
 
 11.414 
 
 V. Vanderen 
 
 IL 572, 576 
 
 V. Hyman 11 
 
 652, 654, 655 
 
 V. Walker 
 
 II. 459 
 
 V. Leseur 
 
 II. 657 
 
 Canal & Banking Co. v. Fislier 
 
 V. Lobhin 
 
 II. 642 
 
 
 IL 33, 34, 115 
 
 V. Newbury 
 
 II. 170 
 
 Morrison v. Bailey 
 
 L 273 ; II 59, 68, 
 
 V. Paine 
 
 I. 241 
 
 
 69, 73, 74 
 
 V. Penn 
 
 II. 437 
 
 V. Buchanan 
 
 1. 348; II. 285, 
 
 ». Tucker 
 
 I. 596. 600 
 
 
 597 
 
 V. Vance 
 
 II. 408 
 
 V. Currie 
 
 IL 37, 38, 39, 600 
 
 V. Waitt 
 
 1.370 
 
 V. Jewell 
 
 I. 210 
 
 V. Warren 
 
 11.184 
 
 V. Smith 
 
 IL565 
 
 V. Weir 
 
 II. 605 
 
 V. Stockwell 
 
 II. 440 
 
 Mooring V. Marine Dock & Mut. Ins. 
 
 V. Taylor 
 
 L 116; II. 7 
 
 Co. 
 
 II. 153, 157 
 
 Morrow v. Bright 
 
 IL615 
 
 Moorman v. Bank of Alabama I. 475, 
 
 V. Hanson 
 
 II. 639 
 
 
 476 
 
 Morse o. Clayton 
 
 I. 154 
 
 Mordecai v. Dawkins 
 
 I. 214 
 
 1 . Green 
 
 L 92 
 
 More V. Howland 
 
 II. 433 
 
 Morse ». Hovey 
 
 IL 415 
 
 V. Manning 
 
 I. 15 
 
 V. Wilson 
 
 IL 423 
 
 Moreau v. Bank of the State of N. Y. 
 
 c. Woods 
 
 II. 230 
 
 
 II 64 
 
 Morton V. Naylor 
 
 I. 333, .334 ; II. 489 
 
 Morgan v. Bank of N. Y. 
 
 II. 80,81,212, 
 
 V. Pollard 
 
 1.311 
 
 
 592, 600 
 
 ». Rogers 
 
 L 188 
 
 V. Bank of North America I. 606 
 
 V. Wescott 
 
 L497 
 
 V. Bitzenberger 
 
 II. 154, 205 
 
 Moseley » Hanford 
 
 II. 508 
 
 V. Creditors 
 
 11. 203, 205 
 
 Mosely V. Graydon 
 
 L 158 
 
 V. Davison 
 
 I. 420 
 
 Moses V. Ela 
 
 I. 567 
 
 r. Jones 
 
 1.43 
 
 Mosher v. Allen 
 
 II. 357, 453 
 
 V. Lathrop 
 
 II. 618 
 
 Mos" V. Adams 
 
 II. 222, 228 
 
 V. Peet 
 
 I. 608 
 
 V. Hall 
 
 IL 245 
 
 V. Keintzel 
 
 II. 2S6 
 
 ?'. Livingston 
 
 I. 169, 173 
 
 V. Richardson 
 
 I. 207, 208 
 
 V. Moss 
 
 I. 249 
 
 V. Schermerhorn 
 
 II. 408. 41 G 
 h 
 
 V. Oakley 
 
 L 164
 
 Ixxxvi 
 
 INDEX TO CASES CITED. 
 
 JMoss V. Rossie Lead Mining Co. I. 165 
 
 Mossop V. Eadon I. 231 ; II. 289, 296, 
 
 297, 302, 313 
 
 IVIosteller v. Bost 
 Mostyn r. Fabrigas 
 Mott V. Burnett 
 
 V. Hicks 
 Motte V. Dorrell 
 Mottram v. Mills I. 358 
 Mouehet v. Cason 
 
 I. 275 
 II. 319 
 II. 609 
 I. 96, 164, 170 
 II. 417 
 II. 220, 442, 480 
 II. 560 
 
 Moule T. Brown I. 269 ; II. 72, 73, 85 
 
 Mountford v. Harper II. 83 
 
 Mountstephen v. Brooke II. 661 
 
 Mount Vernon Bank v. Holden I. 478, 482 
 
 Mowbray, Ex parte I. 154 ; II. 5 
 
 Mowry v. Bishop II. 423 
 
 V. Cheesman II. 632 
 
 V. Todd II. 50 
 
 Moxon V. Pulling II. 15 
 
 Move V. Herndon II. 572 
 
 Mudd V. Harper II. 638 
 
 V. Reeves II. 38, 101, 186, 189, 600 
 
 Muilman v. D'Eguino I. 264, 266, 267, 
 
 268, 338, 339, 340, 341, 344, 485 
 
 Muir V. Cross II. 168 
 
 V. Rand II. 94 
 
 Muirhead v. Kirkpatrick II. 619 
 
 Muldon K. Whillock II. 161, 162, 179, 202 
 
 Muldrow V. Caldwell I. 21 
 
 Mulhall r. Neville I. 112, 113, 290 ; II. 12 
 
 Mulherrin r. Hannum I. 310 
 
 Mullen V. French II. 488 
 
 V. Morris II. 333, 377 
 
 Mullick v. Radakissen I. 264, 266, 267, 
 
 270, 273, 338, 340, 343, 344, 345 ; U. 7S 
 
 Munn V. Baldwin I. 478 ; II. 492 
 
 V. Barnum II. 621 
 
 V. Commission Co. I. 164; II. 415, 
 
 427, 428, 433, 583 
 
 V. M'Donald 
 Munroe v. Bordicr 
 
 V. Cooper 
 
 V. E as to a 
 
 V. Perkins 
 Munson i;. Cbeesborough 
 Murchie i;. Cook 
 Murdoch v. Lee 
 Murdock V. Mills 
 
 V. Union Bank of La 
 Murphy ('. Camden 
 
 L 224 
 
 I. 181, 183 
 
 L 51, 126, 128, 189 
 
 I. 443 
 
 II. .WO 
 
 II. 266 
 
 II. 530 
 
 II. 550 
 
 I. 297, 299 
 
 II. 313 
 
 L 127 
 
 Murray v. Baker II. 634 
 
 V. Burling 11. 293 
 
 V. Carret II. 298, 308, 312 
 
 V. De Rottenhani II. 362, 364 
 
 V. East India Co. I. 106, 107, 
 
 1.54, 163; II. 393, 399, 645 
 
 V. Harding II. 406 
 
 V Judah I. 229, 273, 326 ; II. 38, 
 
 58, 68, 71, 72, 73, 74, 437,439,589, 600 
 
 V. King II. 137 
 
 V. Lazarus II. 174 
 
 V. Lyiburn II. 46 
 
 V. Mumford I. 144 
 
 V. Pate II. 94 
 
 Murrill v. Handy I. 29 
 
 Murry v. Clayborn I. 643 
 
 Musgrave v. Drake I. 128 
 
 Musgrove v McIIroy I. 99 
 
 Mussel man v. Oakes I. 34 
 
 Mussen v. Price 11. 154 
 
 Mussey v. Beecher II. 489 
 
 V. Eagle Bank I. 273 ; IL 75, 76 
 
 Musson V. Lake I. 230, 367, 646 ; II. 286, 
 
 336 
 
 Mutford V. Walcot I. 289 
 
 Myatts V. Bell II. 162 
 
 Myers v. Huggins I. 147 
 
 V. Irwin II. 89 
 
 V. Phillips I. 197 
 
 V. Sealy IL 294, 314 
 
 V. United States II. 223 
 
 V. Welles II. 160 
 
 V. York and Cumberland R. Co. 
 
 II. 34, 50 
 
 Myrick v. Dame I. 247 
 
 V. Hasey II. 53, 136 
 
 N. 
 Nabob of Arcot v. East India Co. II. 358 
 
 Nagel ?;. Mignot II. 298,301, 306 
 
 Naglce r. Minturn II. 608 
 
 V. Palmer II. 606 
 
 Nailor ;;. Bowie I. 442, 470 
 
 Nairn v. Proso II. 168 
 
 Naish, In re II. 413 
 
 Nanco w. I^ary I. 114 
 
 Napier v. Shneider I. 650 
 Narragansett Bank v. Atlantic Silk 
 
 Co. L 167 
 
 Nash V. Brown I. 191
 
 INDEX TO CASES CITED. 
 
 Ixxxvu 
 
 Nash V. Harrington I. 380, 382, 396, 
 
 509, 519, 529, 603, 604, 621, 
 
 625, 631 
 
 V. Hodgson II. 653, 655, 659 
 
 V. Nash I. 87 
 
 V. Skinner II. 121 
 
 V. Tapper II. 327, 368, 381, 384 
 
 Nasoii V. McCuUoch II. 607 
 
 Nathan v. Giles II. 390 
 
 National Bank v. Eliot Bank II. 61, 62 
 
 V. Fassett I. 82 
 
 V. Norton I. 146, 147 
 
 Naylor v. Moody I. 237 
 
 Nazro v. Fuller I. 276; II. 548 
 
 Neal V. Erving I. 92 
 
 Neale v. Reid II. 225 
 
 ». Turton I. 137 
 
 Nedham's Case I. 162 
 
 Nelson, The II. 173 
 
 Nelson v. Bostwick II. 140 
 
 V. Carmel II. 393 
 
 V. Cowing I. 183 
 
 V. Dubois II. 129, 131 
 
 V. Fotterall I. 347, 641 ; II. 329 
 
 V. Serle I. 196 ; II. 6 
 
 V. Whitall II. 480 
 
 Nerot V. Wallace I. 215 
 
 Nesbitt V. Pearson I. 14 
 
 Nesom v. D'Arniond II. 662 
 
 -STestor, Brig II. 170, 171, 175, ISO 
 
 Netterville v. Stevens II. 211 
 
 Nettles V. Huggins II. 615 
 
 Neve V. Hollands II. 657 
 
 Nevill V. Hancock II. 457 
 
 NevinSt;. DeGrand II. 570 
 
 Nevison v. Whitby II. 412 
 
 New V. Swain II. 165, Ibe 
 
 Newall V. Hussey II. 152 
 
 Newbury v. Armstronj. II. 128 
 
 Newcomb v. Raynor II. 244 
 
 Newcoinbe v. Lcavitt II. 630 
 
 Newell V. Fisher I. 198 
 
 V. Hamer I. 240 
 
 V. Mayberry II. 572 
 
 V. Salmons II. 608 
 
 c. Williams II. 519 
 
 New England Bank v. Ltwis I. 411, 413; 
 
 II. 462 
 
 Newhall v. Clark I. 304, 305 
 
 V. Dunlap I. 94 
 
 Newliall V. Vargas II. 178 
 
 New Haven County Bank v. Mitchell 
 
 II. 491, 496 
 New Hope D. B. Co. ». Perry I. 310, 
 
 311, 430 
 N. H. Savings Bank v. Colcord I. 241, 
 
 242 
 
 r. Ela I. 241 ; II. 
 
 245 
 
 Newland v. Oakley I. 109 
 
 Newlin v. Duncan II. 654 
 
 Newman v. Goza I. 650 
 
 V. Kettelle II. 643 
 
 V. Williams II. 427, 428, 431 
 
 Newmarch v. Clay II. 228, 229 
 
 New Orleans Bank v. Harper I. 539, 540, 
 
 557, 596, 601, 604, 619 
 
 & C. Railroad Co. v. 
 
 Armstrong II. 258 
 
 Canal, &c. Co. v. Barrow 
 
 I. 483, 498 
 V. Briggs 
 
 I. 498 
 V. Kerr 
 
 I. 501 
 V. Robert 
 
 I. 498 
 &c. R. Co. V. Patton 
 
 I. 483, 498 
 
 Newsom v. Thighin II. 521 
 
 Newton v. Jackson II. 527 
 
 N. Y. F. Ins. Co. v. Bennett I. 126 
 
 Firemen Ins. Co. v. Ely II. 412, 
 
 414, 421 
 
 V. Sturges II. 
 
 411, 421 
 
 Floating Derrick Co. v. New 
 
 Jersey Oil Co. I. 164 
 
 New York Marbled Iron Works v. Smith 
 
 I. 221 
 Slate Bank v. Fletcher II. 162 
 & Virginia, &c. Bank ». 
 
 Gibson 1.189,291,330, 
 
 332 
 
 Nichol V. Bate I. 222, 490 
 
 V. Green I. 107 
 
 Nicholas v. Krebs II. 504 
 
 Nicholls V. Bowes I. 305, 428, 429 
 
 V. Diamond I. 98 
 
 V. Dowding II. 481, 656
 
 Ixxxviii 
 
 INDEX TO CASKS CTTKI). 
 
 Nicholls V. Webb I. 634, 635, 643; II. 
 
 495, 499 
 
 Nichols V. Cheairs • II. 200 
 
 V. Davis I. 45 
 
 V. Fearson II. 406, 429, 431 
 
 V. Frothinghain I. 35 
 
 z;. Goklsniith 1.436; 11.495 
 
 V. Holgate II. 469 
 
 V. Johnson II. 574, 577 
 
 V. Lee II. 414 
 
 V. McDowell I. 237 
 
 V. Norris I. 229, 241, 326 ; II. 
 
 248, 249, 250, 533 
 
 V. Parsons I. 240; II. 515 
 
 V. Pool I. 309, 311, 4.32 
 
 V. Porter II. 339 
 
 V. State Bank I. 107 
 
 V. Tuck II. 619 
 
 Nicholson v. Chapman II. 264, 265 
 
 V. Gouthit I. 374, 446, 528, 
 
 529, 530, 556, 629 
 
 V. Marders I. 497, 498 
 
 r. Patton I. 189, 258: II. 275, 
 
 276, 280 
 
 V. Revill I. 248; II 237 
 
 Nickerson v. Howard I. 200 
 
 Nicolet V. Gloyd I. 557 
 
 Nicolls V. Kodgers II. 385, 632 
 
 Niemcewicz v. Bartlett II. 659 
 
 Nightingale v. Adams II. 634 
 
 V. Withington I. 66, 70 ; 
 
 11.3 
 
 Nimick v. Martin I. 405, 406 
 
 Nimmo v. Stewart II. 629 
 
 Nisbet V. Smith II. 242 
 
 Nixon V. Palmer T 101, 115 
 
 Noble V. Bank of Kentucky I. 509 
 
 V. M'Clintotk I. 127 
 
 V. Smith r. 178 
 
 ». Walker II. 4 1 0. 4 2? 
 
 Noe V. Hodges II. 507 
 
 Noel O.Murray 11.40, 41 , 152, 156, 162, 163 
 
 Noke V. Ingham ' I- 249 
 
 Noland v. Ringgold II 45, 52 
 
 Nolasco V. Lurty II 630 
 
 Nolte V. Creditors II. 239 
 
 Nooiian v. Gray 11- 233 
 
 Norris v. Aylctt II. 232 
 
 V. Hadg(;r !. 358 ; II. 220, 442 
 
 V. Cruinmcy II. 240, .533 
 
 Norris v. Langley 
 
 V. Salomonson 
 V. Slaughter 
 
 North V. Brig Eagle 
 V. Wakefield 
 
 I. 279 
 
 I. 614 
 
 II. 630 
 
 II. 171 
 
 I. 249 
 
 North Bank v. Abbot 1.311, 369, 370, 
 
 432, 439 
 
 Northampton Bank v. Balliet II. 36 
 
 V. Pepoon I. 171, 172; 
 
 II. 8, 220 
 
 Northcut V. Wilkinson II. 659 
 
 Northern Bank v. Farmers' Bank I. 231, 
 
 232; II. 100, 313, 314 
 
 of Ky. V. Leverich II. 
 
 298, 307 
 
 North River Bank v. Aymar I. 108 
 
 Northrop v. Sanborn I. 29 
 
 Norton v. Coons I. 244 
 
 V. Eastman II. 135 
 
 V. Ellam I. 375 ; 11. 643, 644 
 
 r. Lewis I. 394, 587 
 
 V. Pickering I. 555 
 
 V. Seymour I. 136 
 
 V. Soule I. 245 
 
 V. Waite L 221 
 
 Norwich Bank v. Hyde I. 28 ; II. 12 
 
 Nostra Senora del Carmine, The II. 173 
 
 Nott V. Beard I. 367, 422, 497, 646 
 
 V. Douming I 502 
 
 Novelli V. Rossi I. 328 ; IL 29 
 
 Noyes v. Evans IL 513 
 
 V. Hall II. 648 
 
 V. Price II. 93 
 
 Nugent V. Roland I. 29 
 
 Nunnemaker v. Lanier II. 72 
 
 Nunnery v. Cotton II. 572 
 
 Nutter V. Stover I. 224 
 
 Nye V. Moseley 1.214 
 
 O. 
 
 Oakeley v. Pasheller 
 Oakes v. Mitchell 
 Oakey v. Bcauvais 
 
 V. Wilcox 
 Oakley v. Moorman 
 Obbard v. Hctliam 
 0''V"ien v. Davis 
 
 II. 201 
 II. 659 
 I. 366, 422 
 II. 548 
 II. 130 
 I. 41, 204, 208 
 II. 469
 
 INDEX TO CASF^ CITED. 
 
 Ixxxix 
 
 O'Brien v. Sauls II. 437 
 
 0'Callai,rhan );. Tliomond II. 3.53, 357 
 
 Ocean Tow-Boat Co. v. Ship Ophelia 
 
 II. 86, 162 
 
 Odam V. Beard 
 
 Odell V Ditna 
 
 Odiorne v. Howard 
 V. Maxcy 
 V. Sargent 
 
 Odlin V. Greenleaf 
 
 Offit V. Vick 
 
 Offut V. Stout 
 
 Offutt ('. Ay res 
 
 Oj;den v. Astor 
 
 V. Coddington 
 V. Cowley 
 
 II. 510 
 
 II. 466 
 
 I. 264 ; II. 470 
 
 I. 100 
 
 II. 149 
 
 I. 243 ; II. 639 
 
 I. 57, 622 
 
 I. 401 
 
 I. 99 
 
 II. 647 
 
 II. 606 
 
 I. 457, 478, 489; 
 
 II. 492 
 
 V. Dobbin I. 436, 506, 514 
 
 V. Saunders II. 323, 346, 359, 360, 
 
 363, 364, 372, 381, 589 
 
 V. Slade I. 47 
 
 Ogilby V. Wallace II. 455 
 
 Ogle V. Graham II. 549, 565, 566 
 
 Oglesby v. Steamboat I. 596, 598, 622 
 
 Ohio Ins. Co. v. Edmondson II. 320, 327 
 
 V. Nuueniaclier II. 622 
 
 O'Keefe v. Dunn I. 337 
 
 O'Ke.son v. Barclay I. 196 
 
 Okie V. Spencer I. 241 ; II. 150, 155, 
 
 184, 244, 245, 246 
 
 Olcott V. Rathbone II. 86, 164, 203, 204, 
 
 437, 439, 443 
 
 c. Tioga R. R. 
 
 Oldham v. Bengan 
 
 Olendorf v. Swartz 
 
 Oliver v. Bank of Tennessee 
 
 V. Gray 
 
 e. Oliver 
 
 Olmstead v. Greenly 
 
 O'Neal V. Bacon 
 
 Oneale v. Long 
 
 Onondaga Co. Bank v. Bates 
 
 Ontario Bank v. Lightbody 
 
 V. Petrie 
 
 V. Scherinerhorn 
 
 V. Worthingtoii 
 
 28 
 
 Oothout V. Ballard 
 
 Orcutt V. Berrctt 
 
 Ord V. Portid 
 
 Ordiornc i: Wuodiiian 
 
 II. 
 
 636 
 
 II. 
 
 244 
 
 I. 
 
 610 
 
 I. 537. 
 
 540 
 
 II. 
 
 661 
 
 II 
 
 392 
 
 II 
 
 132 
 
 I. 
 
 209 
 
 II. 
 
 558 
 
 I. 640, 
 
 641 
 
 II. 
 
 19:^ 
 
 I. 401, 
 
 476 
 
 II. 
 
 433 
 
 I. 
 
 224, 
 
 5, 2'J3, 
 
 294 
 
 I. 
 
 390 
 
 II. 
 
 661 
 
 ir. 
 
 4.'5!) 
 
 11. 
 
 6(i;; 
 
 Orear v. McDonald I. 443, 446, 529, 538, 
 539, 540, 542, 543, 545, 548 
 Oridge v. Sherborne I. 374, 407 
 
 Oriental Bank v. Blake I. 364, .501, 526 
 Ormc V. Young I. 237, 238, 239 ; II. 
 
 245, 247 
 
 Ormsby v. Kendall I. 122 
 
 Orr V. Laccy (2 Doug. Mich.) II. 470 
 
 V. Lacy (4 McLean) II 434 
 
 V Maginnis I. 337, .534, 535, 548, 
 
 642, 644, 647 ; II. 250 
 
 V. Union Bank I. 80, 109, 597 
 
 Orvis V. Kimball I. 74 
 
 V. Newell I. 235 ■ 
 
 Ory V. Winter II. 326, 338, 342, 343, 
 
 358, 375 
 
 Osborn v. Hawley II. 133, 147 
 
 V. Moncure I. 411 ; II. 461 
 
 Osborne v. Fulton II. 96 
 
 U.Smith I. 401, 402; II. 68, 71 
 
 Ossulston V. Yarmouth II. 423, 424 
 
 Oswego Bank v. Knower I. 587 
 
 Otis V. Adams I. 254 
 
 V. Barton I. 309 
 
 V. Ilussey L 595, 601, 621 
 
 V. Lindsey II. 424 
 
 Otsego Co. Bank v. Warren I. 362, 
 
 595, 620, 636, 646 
 
 Oulds V. Harrison 11. 604 
 
 Outhwaite v. Luntley II. 550, 551, 568 
 
 V. Porter I. 221 
 
 Overman v. Iloboken Bank I. 271 
 
 Overton v. Tyler II. 148 
 
 Owen V. Arrington II. 437 
 
 V. Barrow II. 209 
 
 V. lloman I. 241 
 
 V. Lavine I. 45, 303 
 
 V. Moody I. 158; 11. 357, 373, 374 
 
 V. The State II. 588 
 
 r. Van Uster I. 312 
 
 Owens T. CoUinson I. 250 
 
 Owenson v. Morse II. 41, 91, 105, 154, 
 
 157, 166, 178, 184, 186, 191, 192 
 
 Owings r. Grubbs I. 94 
 
 Oxford Bank c. Davis I. 337 
 
 V. Haynes I. 238; II. 117, 
 
 119, 137 
 
 V. Lewis I. 241 ; II. 241, 
 
 242, 245, 246, 2.50, 533 
 
 (Oyster v. Longnecker II. 417
 
 xc 
 
 INDEX TO CAsES CITED. 
 
 Pabodie » King I. 241 ; II. 528, 533 
 
 Pacific Bank v. Mitchell II. 219 
 
 Pack V. Alexander I. 481 
 
 V. Thomas I. 273 ; II. 61, 74, 507 
 
 Packard v. The Louisa II. 175 
 
 V. Lyon I. 424, 459 
 
 V. Nye I. 99 
 
 V. Richardson II. 12S, 469 
 
 Paff». Kinney IL 629 
 
 Pagan v. Wylie II. 597 
 
 Page V. Cable II. 368 
 
 • V. Green II. 456 
 
 V. Hubbard 11. 151, 153, 172, 180 
 
 V. Lathrop I. 255 ; II. 456, 489 
 
 T. Mann II. 480 
 
 V. Newman II. 392 
 
 T. Page II. 298, 304, 305, 372 
 
 V. Prentice I. 493 
 
 v. Thomas 11. 465 
 
 V. Warner I. 655 
 
 V. Webster I. 237, 439 
 
 Paige V. Cagwin II. 472 
 
 V. Stone I. 93, 100, 117 
 
 Pain V. Packard I. 235, 237, 238 ; 
 
 IL 243, 248 
 
 Paine v. Edsell II. 550, 577 
 
 V. Pritcliard II. 394 
 
 V. Strand Union I. 163 
 
 Paletliorp v. Furnish II. 661 
 
 Palfrey v. Baker II. 164 
 
 Palmer's Case II. 585 
 
 Palmer z. Andrews II. 655 
 
 ». Baker 11.410 
 
 V. Dodge I. 146, 147 
 
 V. Elliott II. 162 
 
 V. Grant I. 233,247; II. IIU, 52(1 
 
 V. Hughes I. .')! 1 
 
 V. .Jarinain II. 43 
 
 V. Logan II. 294, 304, 305, 306 
 
 V. Manning II. 477 
 
 V. Pratt I. 39 
 
 V. Richards II. 43, 44, 265 
 
 V. Stephens I. 23, 36, 122, 247 ; 
 
 II. 474 
 
 V. Yarrington 11. 318 
 
 Panama, Ship II. 41 1 
 
 I'ankey ». Mitchell II. 549 
 
 i'linii.-ll ». M'Mclicn II. 248 
 
 Pajjot V. Trowell II. 634 
 
 Paragon, The IL 170 
 
 Parchman v. McKiuney II. 226 
 
 Parhani v. Murphee II. 444 
 
 Parish v. St(me L 178, 179, 21 1 ; II. 44, 55 
 
 Park Bank v. Ninth Bank I. 321 
 
 Park V. Page L 41 1, 414, 418, 420 
 
 Parke v. Lowrie I. 643 
 
 V. Smith IL 470 
 
 Parker v. Ada II. 473 
 
 V. Bigelow II. 403 
 
 V. Burgess I. 125 
 
 V. Carter I. 197 
 
 V. Greele I. 294, 296 
 
 V. Cousins I. 135, 146, 147; 
 
 II. 200,421, 422 
 
 V. Gordon I. 306, 418, 478 
 
 IL 100, 492 
 
 V. Hanson II. 467, 470 
 
 V. Hutchinson II. 394 
 
 V. Jackson II. 639, 646 
 
 ». Kendall 11. 603, 610 
 
 V. Kennedy I. 26 
 
 V. Leigh L 324, 326 
 
 V. McKelvain II. 141 
 
 V. Macomber I. 146, 147 
 
 V. Marston 11. 54 
 
 V. Phillips L 144 
 
 V. Kiddie II. 45, 120 
 
 V. Ramsbottom II. 409 
 
 V. S.anborn II. 642 
 
 V. Totten II. 438 
 
 V. Tuttle I. 264 ; IL 9 
 
 V. United States II. 460 
 
 Parkes's Case II. 584 
 
 Parkhurst ». Dickerson I. 300 
 
 Parkin v. Moon II. 9 
 
 Parks V. Brinkerhoff IL 131 
 
 V. Brown IL 439 
 
 V. Duke L 26 
 
 V. Edge 1. 426 ; 11. 473 
 
 V. Ingram I. 229. 326 
 
 Pamell v. Price I. 240 
 
 I'anither r. Gaitskell II. 634 
 
 Parr v. Eliason I. 218; II. 415, 431 
 
 V. Johnston II. 588 
 
 I'arris-y. Cobb 11.641 
 
 Parry v. Nicholson II. 550, 577, 579 
 
 Parsons v. Dickenson I. 576 
 
 V. Gaylord I. 200
 
 INDEX TO CASES CITED. 
 
 Parsons v. Gloucester Bank II. 238 
 
 j;. Phipps 11.470,471 
 
 Partridge v. Badger I- 299 
 
 V. Bank of England II. 34, 1 15 
 
 V. Colby 11. 12.1, 5.58 
 
 V. Court I. 155 
 
 V. Davis I. 22; II. 14, 16, 18, 
 
 132, 136 
 
 Parvin v. Hoopes II. 393 
 
 Pasmore v. North I. 41, 42 
 
 Patch V. King II. 658 
 
 Pate V. Gray II. 392, 393, 607, 609 
 
 c. M'Clure 1.596,601,603,607, 
 
 621 
 
 Pateman's Case II- 584 
 
 Paterson v. Hardacre I. 51, 186 ; 11.265, 
 
 280, 292, 293, 493 
 
 V. Zachariah I. 148 
 
 Bank v. Butler I. 491, 499 
 
 Patience v. Townley I. 460, 531 
 
 Paton V. Colt I. 279 
 
 V. Winter I. 312, 352 ; II. 550, 
 
 564, 565 
 
 Patrick v. Beazley I. 483 
 
 V. Clay II. 393 
 
 Patridge v. Strange II. 45 
 
 Pattee v. Greely I. 213 
 
 Patten v. Newell I. 532 
 
 Patterson v. Becker I. 596, 603, 614,647 
 
 V. Chalmers II. 179 
 
 V. Choate II. 658 
 
 V. Cobb 11. 649 
 
 V. Johnson II. 167 
 
 V. Poindexter I. 26 
 
 V. Todd 1.381 ; II. 121 
 
 (;. Vose II. 498 
 
 Pattison v. Hull I. 334 ; 11. 224 
 
 Patton V. Ash II. 1 59 
 
 V. Bank of So. Car. 11.314 
 
 V. Nicholson I. 216 
 
 V. State Bank I. 231 ; II. 100, 266, 
 
 291, 294, 312 
 
 ♦ V. Wilmot I. 601 
 
 Paul V. Joel I. 468, 469, 477 
 
 Paup V. Drew II. 620 
 
 Pawling V. Pawling U. 425 
 
 Payne v. Bensley I. 223, 224 
 
 V. Clark I. 28 
 
 r. Commercial Bank II. 246, 533 
 
 V. Cutler 1. 22i' 
 
 Payne v. Ladue 
 
 II. 512, .531 
 
 V. Trezevant 
 
 11.418 
 
 », Winn 
 
 I. 643; 11. 329 
 
 Paysant v. Ware 
 
 II. 502, 514 
 
 Payson v. Whitconib 
 
 I. 309 
 
 Peabody v. Beach 
 
 II. 609 
 
 V. Denton 
 
 11. 298, 306, 307 
 
 V. Harvey 
 
 1. 612 
 
 V. Peters 
 
 II. 604 
 
 Peace v. Head 
 
 11. 298, 304 
 
 Peach V. Kay 
 
 I. 283 
 
 Peacock's Case 
 
 II. 585 
 
 Peacock v. Banks 
 
 II. 372, 376 
 
 V. Rhodes 
 
 I. 280; II. 19, 20, 
 
 111, 
 
 114, 269, 280, 480 
 
 Peake v. Doiwin 
 
 1. 235 ; 11. 246 
 
 Pearce v. Austin 
 
 n. 436, 437, 438 
 
 V. Cre.>.wick 
 
 II. 294, 297 
 
 V. Davis 
 
 II. 83, 85 
 
 Pearl v. M'Dowell 
 
 I. 151 
 
 Pearsali v. Dwight 
 
 II. 318,319, 320, 
 
 
 321, 358, 368, 382 
 
 Pearson v. Bailey 
 
 II 416, 418 
 
 V. Bank of the Metropolis I. 424 ; 
 
 
 II. 514, 516 
 
 V. Crallan 
 
 I. 478, 479, 480 
 
 V. Darrington 
 
 II. 611, 651, 654, 
 
 
 656, 661 
 
 ». Dackham 
 
 I. 509 
 
 V. Garrett 
 
 1.39 
 
 V. Hutchison 
 
 II. 213 
 
 r. M'Gowran 
 
 11.417 
 
 V. Parker 
 
 I. 243 
 
 V. Pearson 
 
 I. 178 
 
 Pease, Ex parte 
 
 11.43 
 
 V. Dwight 
 
 II. 570 
 
 V. Hirst II. 52, 
 
 219, 231, 448, 6.59 
 
 V. Morgan 
 
 11. 480 
 
 Peaslee v. Bobbins 
 
 I. 151 ; II. 6, 482 
 
 Peck V. Botsford 
 
 II. 659 
 
 ». Cochran 
 
 I. 300 
 
 V. Hibbard 
 
 II. 362 
 
 V. Hozier 
 
 II. 367 
 
 r. Maynard 
 
 I. 260 
 
 r. Mayo II 
 
 . 326, 337, 371. 372 
 
 v. Randall 
 
 II. 646 
 
 Pecker v. Sawyer 
 
 n. 469 
 
 Pedder v. Mac Master 
 
 II. 359, 367, 369 
 
 Peden v. Moore 
 
 I. 209 
 
 Peebles v. Gee 
 
 11. 2-2S
 
 xcu 
 
 INDEX TO CASES CITED. 
 
 Peer v. Humphrey II. 279 
 
 Feet V. Zanders I. 492 
 
 Peirce v. Butler I. 369 ; II. 516 
 
 V. Pendar I. 482, 487 
 
 V. Howe II. 425 
 
 Pernberton v. Oakes II. 230 
 
 Pendergrast t\ Foley II. 640, 646 
 
 Pcnkivil v. Connell I. 170 
 
 I'enley v. Waterhouse II. 628 
 
 Penn v. Watson II. 647 
 
 Penniman v. Hartshorn II. 535 
 
 V. Meigs II. 360, 362 
 
 Pennington v. Gittings I. 197 
 
 Pennock v. Freeman II. 640 
 
 Penny, Succession of II. 489 
 
 V. Corwithe II. 577 
 
 V. Graves II. 509 
 
 V. Inncs II 25 
 
 V. Parhani II. 121 
 
 Pennypackcr v. Umberger II. 469 
 
 Pentz V. Stanton I. 93, 94, 96 
 
 People V. Baker II. S3, 85 
 
 V. Brigham II. 583 
 
 V. Call II. 560, 565 
 
 i;. Chadwick II. 588 
 
 V. Clarke II. 663 
 
 V. County of New York II. 397 
 
 V. Dubois II. 621 
 
 V. Fitch II. 585 
 
 V. Getchell II. 586 
 
 V. Hoag II. 586 
 
 V. Holbrook II. 292 
 
 V. Howell II. 40, 83. 159 
 
 r. Jansen I. 246 ; H. 246 
 
 V. Spooner II. 477 
 
 V. Stewart II. 588 
 
 V. Thoms II. 588 
 
 V. Van Rensselaer II. 663 
 
 People's Hank v. Kcacli I. 502 
 
 lV)ria,&c. \i. Co. v. Ncill I. .321 ; II. 482,609 
 
 Pepf)on V. Stagg I. 24, 25; II. 562 
 
 I'eppen v. Peytavin I. 45 
 
 Perciral v. Fraiiipton 1. 18S, 221, 223 ; 
 
 II. 494 
 
 i'crl'ect V. Musgrave I. 234, 250 
 
 Perhani v. Kaynal II. 656, 658, 661 
 
 Pcrkiu.s ('. Harstow II. 121 
 
 V. Cartiiicll 11. r,;i(), (WO 
 
 V. Cutlin II. 12U, 121, i;U, 142, 
 
 511), 520, 521 
 
 Perkins v. Challis I. 260 
 
 r. Clements II. 447 
 
 V. Commonwealth II. 588 
 
 V. Franklin Bank I. 400, 407, 
 
 408 
 
 V. Gilman II. .533 
 
 V. Goodman II. 2.33 
 
 V. Hawkins II. 609 
 
 V. Kent II. 25 V 
 
 Per Lee v. Onderdonk II. 234 
 
 Perley v. Balch I. 205 
 
 Perreira v. Jopp I. 59 
 
 Perrin v. Broadwell II. 244 
 
 V Keene I. 145 
 
 V. Noy.s I. 189; II. 438, 493 
 
 Ferring ». Hone I. 136 ; II. 561 
 
 Perry v. Barret II. 118, 121 
 
 V. Crammond I. 49 
 
 V. Green I. 264, 379, 380, 519, 
 
 562 
 
 r. Harrington I. 304 
 
 V. Jackson II 636 
 
 V. Jones II. 45 
 
 V. Lewis II. 633 
 
 e. Roberts II. 616 
 
 Persons v. Jones II. 640, 642 
 
 V. McKIbbin II. 606 
 
 Peter v. Beverly II. 154 
 
 Peters v. Anderson IL 222, 225, 227, 
 
 228, 229 
 
 V. Brown II. 661 
 
 r. Hobbs I. 422 
 
 V. Souiiie II. 45 
 
 Peterson v. Ellicott II. 660 
 
 V. Willing II. 501 
 
 Petit V B.nson I. 282, 312 
 
 Peto V. lloynolds I. 61, 62, 289 
 
 Petre v. Duncombe I. i43 
 
 Petric V. Clark I. 224 
 
 Pcttee B. Prout I. 253, 255 ; II. 437, 443, 
 
 604, 609, 611 
 
 Pettis V. Wcstlako II. 9, 10 
 
 Petty ». Haniium I. [9\ 
 
 Peyroux v. Dubcrtrand I. 499 
 
 r Howard IL 170, 171, 175 
 
 Peyton v. Bladwell I. 214 
 
 V. Hallfit I. 334 
 
 Pfiel ».'. Vaiibatciiborg I. 230 ; II. 220, 
 
 221, 488 
 I'liiin- /. Waliirs IL 63?
 
 INDEX TO CASES CITED. 
 
 XCIIl 
 
 Phaup V. Stratton 
 
 II. 478 
 
 Phcbe, The 
 
 II. 170 
 
 Phelps V. Decker 
 
 I. 210 
 
 V. Foot 
 
 11. 22, 536 
 
 V. Johnson 
 
 II. 154 
 
 V. Plielps 
 
 I. 86. 87 
 
 V. Pierson 
 
 11.416 
 
 V. Stewart 
 
 II. 650 
 
 V. Williamson 
 
 II. 650 
 
 Pliiladelphia Bank v. Newkirk I. 38 
 
 Loan Co. v. Towner II. 318, 
 
 410 
 
 & Sunbury R. R. Co. v. 
 
 Lewis II. 405 
 
 Philips V. Astling L 361, 366 ; II. 137 
 
 139 
 
 V. M'Curdy I. 508, 601 
 
 V. Peters II. 654, 661 
 
 V. State II. 629 
 
 Phillips V. Alderson I. 487, 490 
 
 r. Allan 11.360,363 
 
 V. Blake II. 91, 97, 151 188, 
 
 189, 192 
 
 V. Cage 11. 648 
 
 V. Cockayne II. 410 
 
 v. Cole II. 472 
 
 V. Ford II. 101, 189 
 
 V. Franklin II. 399 
 
 v. Frost • I. 282 
 
 V. Gould I. 468, 469, 477 
 
 V. Hunter II. 326, 360, 387, 388 
 
 V. Lawrence II. 606 
 
 V. Lee II. 164 
 
 V. Longstreth II. 502 
 
 V. Merrimack Mut. F. Ins. 
 
 Co. II. 51 
 
 V. Poindexter I. 639 
 
 V. Pope II. 628, 630 
 
 V. Preston II. 517 
 
 V. Rodie IL 169 
 
 V. Stagg I. 336 
 
 V. State IL 587 
 
 V. Thurn I. 313 
 
 V. Warren II. 487, 488 
 
 I'hilliskirk v. Pluck well I. 87, 88 ; II. 446 
 
 I'hilpot V. Briant II. 239, 240, 247, 533 
 
 I'hilpott V. Bryant I. 337, 427, 438, 642 
 
 V. Jones 1 1. 224, 225, 227, 232,6.53 
 
 Piiipps V. Baker II. 475 
 
 V. Cha>« I. 493. 494 
 
 Phipps V. Tanner I. 29 
 
 Phipson V. Kneller I. 582, 589; II. 516 
 Phcenix Bank v. Hussey I. 57, 314, 642 ; 
 
 IL 324 
 
 Ins. Co. V. Allen I. 38; II. 224 
 
 Piatt ». Eads 1. 374, 394 
 
 Pickard v. Bankes 11. 93, 189, 191 
 
 V. Valentine 1. 393, 404 ; 11. 348, 
 
 644 
 
 Pickering v. Banks II. 420 
 
 V. Marsh 1. 229, 326 
 
 V. Pickering I. 196 
 
 Pickett V. Land 1. 237 
 
 Pickin V. Graham 1. 596, 601 
 
 Picquet v. Curtis I. 255, 311, 358; IL 
 
 220, 456, 480, 488, 644 
 
 L236 
 
 Pidcock V. Bishop 
 
 Pierce v. Cate 
 I'. Drake 
 V. Dustin 
 V. Fothcrgill 
 V. Hoffman 
 V. Kennedy 
 V. Read 
 T. Struthers 
 
 L 413,450, 516 
 II 159 
 II. 615 
 II. 393 
 II. 605 
 IL 121 
 II. 357 
 1. 492 
 
 V. Whitney I. 424, 434, 442, 610 ; 
 
 II. 508 
 
 Pierson v. Dunlop 1. 286, 292, 293, 301, 
 
 302: II. 218 
 
 T. Hooker 
 V. Hutchinson 
 
 V. Wallace 
 Piggot's Case 
 Pike V. Ledwell 
 
 V. Street 
 Pilie V. MoUere 
 Piikington v. Woods 
 Pillans V. Van Mierop 
 
 L 621 
 
 IL 84, 294, 296, 
 
 299, 308 
 
 IL 91, 92 
 
 IL 575 
 
 II. 409 
 
 IL 24, 522 
 
 I. 29 
 
 II. 456 
 
 I. 176, 183, 2S6, 
 
 • 292 
 
 IT. 244 
 
 1. 501 
 
 IL 167, 168 
 
 IL 608 
 
 Pillard v. Darts 
 Pillow V Hardeman 
 Pinchain v. CoUard 
 Pinckney v. Keyler 
 Pindall V. Bank of Marietta IL 223 
 
 V. Northwestern Bank II. 101, 189 
 Pindar v. Barlow II. 626 
 
 Pinder v. Nathan I. 50,S 
 
 Pine V. Smith I. 263, 417 
 
 Puier V. Clary I. 3S1
 
 XCIV 
 
 INDEX TO CASES CITED. 
 
 Pinkerton v. Bailey 
 
 
 
 II. 9 
 
 Ponieroy v. Aiusworth 
 
 11. 
 
 319,320, 377, 
 
 Pink ham v. Macy 
 
 I. 470, 
 
 471, 
 
 477,516, 
 643 
 
 Pomeroy v. Slade 
 
 
 405. 412 
 1. 98 
 
 Pinkney v. Hall 
 
 I 
 
 . 312 
 
 ; n. 478 
 
 Pomroy v Rice 
 
 
 n. 151, 205 
 
 Pinney v. Bugb^e 
 
 
 I. 
 
 248, 250 
 
 Pond V. Lockwood 
 
 
 I. 221 
 
 Pintard v. Davis 
 
 
 
 I. 237 
 
 ». Underwood 
 
 
 II. 83 
 
 V. Tackington 11. 
 
 151, 
 
 160,290, 
 
 V. Williams 
 
 I 
 
 248; II. 653 
 
 
 
 291, 
 
 293, 308 
 
 Ponder v. Carter 
 
 
 II. 638 
 
 Pipe V. Steele 
 
 
 II 
 
 465, 488 
 
 Pons V. Kelly 
 
 I 
 
 507, 529, 544 
 
 Pipkin V. Hewlett 
 
 
 
 II. 645 
 
 Ponsonby v. Nicholson 
 
 
 I 394 
 
 Pitcher v. Barrows 
 
 I. 13- 
 
 ; 11.440 
 
 Pool V. MeCrary 
 
 
 II. 146 
 
 Pitman v. Kintner 
 
 
 
 I. 1 70 
 
 V. Relfe 
 
 II. 
 
 649, 651, 656 
 
 Pitt V. Chappelow 
 
 I 
 
 . 321 
 
 ; 11.482 
 
 Poole V. Dicas 
 
 
 I. 515, 641 
 
 V. Purssord 
 
 I 
 
 243 
 
 ; 11. 253 
 
 V. Palmer 
 
 
 II. 465, 488 
 
 V. Smith 
 
 
 
 I. 151 
 
 V. Smith 11. 
 
 286, 
 
 296, 303, 309 
 
 Pittam V. Foster 
 
 
 
 II. 657 
 
 r. Tolleson 
 
 I. 
 
 381,382, 520 
 
 Pitts V. Holmes 
 
 II. 
 
 448, 
 
 605, 637 
 
 V. Tumbridge 
 
 
 I. 415 
 
 V. Keyser 
 
 I 
 
 358 
 
 ; II. 442 
 
 Pooley V. Harradine 
 
 I. 
 
 229, 234 ; 11. 
 
 V. Wooten 
 
 
 
 II. 659 
 
 
 
 502, 533 
 
 Planche v. Fletcher 
 
 
 
 II. 321 
 
 V. Millard 
 
 
 II. 309 
 
 Planters' Bank v. B 
 
 ivingsvi 
 
 le M 
 
 anuf. 
 
 Poor V. Hazelton 
 
 
 L 86, 88 
 
 
 Co. 
 
 
 11. 434 
 
 Poornian v. Mills 
 
 
 I. 26 
 
 V. B 
 
 •ad ford 
 
 
 I. 494 
 
 Pope V. Askew 
 
 
 IL 477 
 
 v.M 
 
 ark ham 
 
 
 I. 419 
 
 c. Bowman 
 
 
 II. 638 
 
 V. Sellman 
 
 
 11. 533 
 
 V. Luff 
 
 
 II. 62 
 
 V. Sharp 
 
 
 I. 164 
 
 V. Nance 
 
 
 n. 200, 598 
 
 V. Snodgrass 
 
 II. 
 
 412,422 
 
 T. Nickerson 
 
 
 II. 320 
 
 V.St 
 
 ockman 
 
 
 II. 228 
 
 V. Risley 
 
 
 II. 639 
 
 V. White 
 
 
 1. 501 
 
 Popham V. Aylesbury 
 
 
 II. 188 
 
 Piatt r. Drake 
 
 I. 
 
 471, 
 
 477, 643 
 
 Poplewell V. Wilson 
 
 
 I. 195 
 
 T. Smith 
 
 
 
 II. 542 
 
 Pop ley V. Ashly 
 
 
 II. 41, 155 
 
 Playfair v. Cooper 
 
 
 
 II. 629 
 
 Porche v. LcBlanc 
 
 
 n. 619 
 
 Plets V. Johnson 
 
 I. 3-?: 
 
 II. .50, 585, 
 
 Portas V. Paimboeuf 
 
 
 II. 495 
 
 
 
 
 592 
 
 Porter v. Boyle 
 
 
 L482 
 
 Plunier's Case 
 
 
 
 11. 491 
 
 V. Cumings 
 
 
 II. 478, 480 
 
 Plumnier v. Lyman 
 
 
 
 1. 294 
 
 V. Doby 
 
 
 II. 553 
 
 Poage V. State 
 
 
 
 II. 584 
 
 V. Hill 
 
 
 II. 649 
 
 Pocock V. Billing 
 
 
 
 II. 472 
 
 V. Ingniliam 
 
 
 11. 458 
 
 Poe V. Dutk 
 
 
 
 11.364 
 
 V. Judson 
 
 
 I. 459 
 
 Pogue V. Joyner 
 
 
 
 U. 466 
 
 V. Kenibiill 
 
 
 I. 578 
 
 Poirier v. Morris 
 
 I. 183, 
 
 221, 
 
 223 ; II. 
 4.{, 443 
 
 . V. Mc(\)lhini 
 V. Nash 
 
 
 I. 26; 11. .-55 
 11. 298, .301 
 
 Pole V. Ford 
 
 
 
 1 1. 234 
 
 V. Palsgrave 
 
 
 11. 399 
 
 Polglass V. Oliver 
 
 11.91, 
 
 188, 
 
 189, 620 
 
 r. Pirr-o 
 
 
 IL 537, 538 
 
 PolhiU V. Walter 
 
 
 I. 
 
 121, 313 
 
 V. Tak'oit 
 
 
 11. 156, 218 
 
 Polk V. Allen 
 
 
 
 11. 644 
 
 Porthouse v. Parker 
 
 I. 321, 502, 523, 
 
 Polliird 71. BmvIoi'S 
 
 
 
 11.414 
 
 524 ; 
 
 11. 
 
 478, 482, 590 
 
 J'. Ili'irics 
 
 I. 
 
 652 
 
 11.355 
 
 I'ortlaiid Bank v. Hmwii 
 
 
 11. 228 
 
 V. Siholy 
 
 
 
 11. 410 
 
 I'drtsmoiith Li. cry Co r 
 
 Watson II. 358 
 
 r. Yodcr 
 
 
 
 11. 393 
 
 Posey t>. Decatur Bank 1 
 
 .368; 11.297,301
 
 INDEX TO CASES CITED. 
 
 XCV 
 
 Post's Case II. 586 
 
 Post V. Bank of Utica II. 416 
 
 Postmaster- General v. Furber II. 223, 
 
 228, 230 
 
 Postmaster-General v. Norvell II. 223, 227 
 
 Potcz V. Glossop II- 663 
 
 Pott V. Clegg II. 653 
 
 Potter V. Brown II. 319, 326, 336, 343, 
 
 346, 347, 359, 367 
 
 V. Pearson I. 12 
 
 V. Rayworth I. 596, 610. 614, 
 
 618; II. 497 
 
 V. Tyler I. 21, 275 
 
 V. Yale College II. 409 
 
 Potts V. Read II. 22 
 
 Powell V. The Commonwealth II. 584 
 
 V. Dlvett II. 546, 573 
 
 V. Eason I. 24.3 
 
 V. Ford II. 475, 488 
 
 V. Guy II. 393 
 
 V. Hogue II. 609 
 
 V. Jones I. 283 
 
 V. Monnier I. 283, 286, 293 
 
 ». Roach n. 215, 216, 287, 292 
 
 296 
 
 ». Thomas II. 121 
 
 v. Waters I. 49, 388 ; II. 28, 243, 
 
 245, 247, 419, 420, 427, 445, 
 
 459, 470, 471 
 
 Power V. Mitchell I. 579 
 
 Powers V. Ball I. 280 
 
 ». Central Bank II. 605 
 
 V. Fitzhugh II. 301 
 
 V. Lynch II. 326, 336, 346, 347, 
 
 348 
 
 V. Nash I. 244 
 
 V. Nelson I. 262 
 
 Powles V. Page I. 503 
 
 Poydras v. Delamare I. 330, 332, 334 
 
 Prather v. Ross II. 636 
 
 Pratt V. Adams II. 408 
 
 V. Cowen I. 198 
 
 V. Foote 11. 16i, 208 
 
 V. Gulick II. 531, 538 
 
 V. Hubbard II. 636 
 
 V. Menkens II. 605 
 
 V, Thomas II. 45, 52, 120 
 
 V. Willey II. 408 
 
 Pratte v. Hanley I. 596, 648 
 
 Prentice v. Zane I. 224, 261 
 
 Prentiss v. Danielson I. 563, 568 
 
 p. Graves I. 224 
 
 i;. Savage 11.319,336,346,347 
 
 Presbrey v. Williams I. 384, 385 ; II. 642 
 
 Prescott, Ex parte I. 336 
 
 V. Brinsley II. 444 
 
 Prescott V. Everts II. 622 
 
 V. Flinn I. 100, 107 
 
 V. Johnson II. 494 
 
 V. Hull II. 53 
 
 Bank v. Caverly I. 79, 338, 
 
 340, 342, 345 ; II. 484, 490, 519, 589 
 
 Presley v. Davis II. 629, 630 
 
 Preston v. Daysson I. 491 
 
 V. Jackson I. 217 ; II. 418, 420 
 
 V. Perton II. 154 
 
 V. Strutton II. 605 
 
 Prestwick v. Marshall (7 Bing.) I. 81 
 
 Prestwich v. Marshall (4 Car. & P.) II. 3, 
 
 489 
 
 Pretty man v. Short II. 37 
 
 Prevost V. Gratz II. 576 
 
 Prewett v. Buckingham II. 630 
 
 Prewitt V. Chapman I. 33 
 
 Price V. Cannon II. 217 
 
 V. Dunlap II. 290, 293, 298, 304, 443 
 
 ». Edmunds 1.229,234,239,241, 
 
 326; II. 239, 241, 249, 250 
 
 V. Lavender II. 124 
 
 V. Mitchell I. 307, 428 
 
 V. Neal I. 321 ; IL 38. 81, 99, 195, 
 
 196, 269, 285, 482, 590, 598, 599 
 
 V. Page I. 651 ; II. 372 
 
 V. Perry II. 502 
 
 i;. Price II. 151, 1.54, 182, 183,289, 
 
 291, 295, 296, 308 
 
 V. Shute L 312; IL 550 
 
 V. Tallman II. 577 
 
 V. Torrington II. 495 
 
 V. Young I. 364, 525 
 
 Priddy v. HenVey I. 194 
 
 Prideaux v. Collier L 338, 592, 593 
 
 p. Webber II. 633 
 
 Pridgen v. Andrews II. 396 
 
 V. Hill IL 647 
 
 Priestley v. Bisland I. 497 
 
 Primrose v. Anderson II. 421 
 
 Prince v. Brunatte I. 81, 321 
 
 V. Heylin II. 628 
 
 Pring V. Clarkson I. 245 ; IL 246, 533
 
 XCVl 
 
 INDEX TO CASES CITED. 
 
 Pringle v. Phillips 
 Printup I'. Mitchell 
 Prior T. Hembrow 
 Pritchard v. Chandler 
 V. Howell 
 V. Scott 
 Proctor V Mather 
 jrToctor c. Moore 
 
 V. Webber 
 Prosser v. Edmonds 
 Pryor v. Rvburn 
 V. Wright 
 Puckford V. Maxwell 
 
 Puget de Bras v. Forbes 
 
 Pugh V. Bussel 
 
 V Durfee 
 
 PuUen V. Chase 
 
 V. Hutchinson 
 V. Shaw 
 Pulliani V. Owen 
 
 V. Withers 
 Pulsifier v. Hotchkiss 
 Purchase v. Mattison 
 Purdon r. Purdon 
 Purdy V. Austin 
 Putnam v. Dike 
 V. Lewis 
 V. Sullivan 
 
 I. 258 ; II. 275, 277 
 II. 580 
 
 I. 250 
 II 6.37 
 
 II. 381, 630, 649 
 
 I. 483 
 
 II. 1.53, 161 
 
 II. 326 
 1.97 
 
 U. 45 
 
 II. 636 
 
 I. 310. 434 
 
 I. 351 ; II. 87, 105, 
 
 154, 1.55, 186, 214 
 
 I. 182 
 
 II. 359 
 
 I. 221 
 II. 393 
 II. 578 
 II. 579 
 II. 616 
 II 557, 5(i5 
 
 1. -iog 
 
 I. 584 ; II. 72 
 
 II. 656 
 
 II. 649 
 
 II. 384, 385 
 
 II. 154, 161 
 
 I. 110,280, 449; 
 
 II. 6, 11, 584 
 
 Qnackcnbu.sh v. Leonard II. 412 
 
 Quantock v. England H. 631 
 
 Quarles r. Brannon II. 414, 420 
 
 Queen, The. c. Kinncar I 288 
 
 Quciiin V. Ma.sson II. 360 
 
 Quiinby r. Huz/.cll II. 475 
 
 V. Putnam II. 659 
 
 Quin V. Keefe II 341, 359 
 
 Quince y. Callcnder II. 377 
 Quinsi(,'Hmoiiil Bank v. IIobb.s II. 421 
 
 Quynn v. Carroll II. 660 
 
 R. 
 
 Raborg V. Bank of Columbia I. 397 
 
 V. Peyton I. 282, 323 
 
 Rackham v. Man-iott II. 648 
 
 Rackley v. Pearce II. 222, 225 
 
 Radley w. Manning 11.418 
 
 Raggett V. Axmorr T. 3?' 
 
 Rahm v. Philadelphia Bank I. 435 
 
 Raigauel v. Ayliff I. 45 
 
 Railsback v. Liberty, &c. Turnpike Co. 
 
 II. 503 
 Raitt V. Mitchell II. 16.5, 169, 171 
 
 Ralli V. Dennistoun II. 564 
 
 V. Sarell I. 301 
 
 Ralston v. Bullitts I. 534, 537, 554, 590 
 Ramdulollday v. Daricux I. 554 
 
 Raniin ;-. Holland II. 121 
 
 Ramsay v. Allegre IL 170, 171, 174 
 
 Ramsbotham v. Cator II. 43 
 
 Ramsdale v. Horton II. 37, 101, 189, 
 
 19:). 600 
 
 Ramsdell v. Morgan I. 276 
 
 V. Soule II. 152,410 
 
 Ramsey v. Anderson II. 450 
 
 Ramuz v. Crowe II. 291, 292, 296 
 
 Ran V. Latham II. 437 
 
 Rand v. Hubbard L 158, 161 ; II. 5 
 
 V. Reynolds I. 496, 497 
 
 Randall's Case II. 567, 583 
 
 Randall ». Moon II 458 
 
 V. Parramore II. 222, 227 
 
 Randleson, Ex parte 11. 231 
 
 Randoll v. Bell II. 445 
 
 Randolph v. Cook I. 410 
 
 V. Parish I. 62 
 
 Randon v. Toby II. 655 
 
 Ranelaugh v. Champant II. 319 
 
 V. Champante II. 319, 376 
 
 Ranger v. Cary I. 255, 256, 264, 266, 
 
 278, 377, 378, 380 
 
 Rangier v. Morton II. 151 
 
 Ranken v. Deforest I. 93 
 
 Rardiin v. Blackwell II. 549, 577, 579 
 
 Ranson v. Mack I. 401, 402, 470, 472, 
 
 475, 476, 482, 484, 491, 498 
 
 V. Slicrwood II. 120, i;?9, 142 
 
 Rape V, Wcstcott II. 555 
 
 Rapelye v. Anderson II. 428, 429, 4.'33
 
 INDEX TO CASES CITED. 
 
 UapcM- V. Biikbeck 1.291,328; II. -J'.K 
 564, .570, .574, 59.') 
 
 llaphiul V. Bank of England I. 258 ; II. 
 257, 272, 274, 280 
 
 RatdifiF v. Planters' Bank II. 565 
 
 Rathhon v. Endlong 
 Rathbone v. Warren 
 Rawdoii V. Rcdfield 
 Kiiw'linson v. Stone 
 
 llawson V. Copland 
 V. Walker 
 Rawstone v. Parr 
 Ray V. McMillan 
 Raymond v. Baar 
 
 V. Johnson 
 
 V. Merchant 
 
 V. Roberts 
 
 V. Sellick 
 Rayner v. Grote 
 Rea V. Dorrance 
 Read v. Bank of Kentucky 
 
 V. Brookman 
 
 V. Cummings 
 
 V. Ciitts 
 
 V. Gamble 
 
 V. Hull of a New Brig 
 
 V. Marsh 
 
 V. Sturtevant 
 
 V. Upton 
 
 V. Wheeler 
 
 V. Wilkinson 
 
 Reading v. Weston 
 Reakert v. Sanford 
 Real Estate Bank v. Bizzeli 
 
 Reaame v. Chambers 
 Reay v. Packwood 
 Reculist's Case 
 Reddel ». Dobree 
 Reddick v. Jones 
 Reddish v. Watson 
 Redmayne v. Burton 
 Reed v. Akin 
 
 V. Batchelder 
 
 V. Boardman 
 
 V. Coale 
 
 V. Deere 
 Vol. I.— (? 
 
 I. 179: 
 
 I. 94, 97 
 
 II. 245, 246 
 
 I. 490 
 
 I. 78, 79, 157; II. 
 
 5,374 
 
 II. 611 
 
 n. 506, 521 
 
 I. 247 
 II. 428 
 
 II. 102, 190 
 11. 373 
 11. 308 
 II. 502 
 
 II. 55 
 I. 118 
 
 I. 556 
 I. 633 ; II. 
 
 329 
 
 II. 287, 574 
 
 I. 204 
 
 I. 238, 251 
 II. 292 
 II. 170 
 
 I. 294 
 I. 14 
 
 II. 218 
 1.25 
 
 301, 537, 595, 597, 
 608 
 11.415 
 I. 83 
 638 ; II. 
 499 
 
 II. 634 
 II. 467 
 11. 583 
 
 II. 50 
 
 I. 221 ; n. 333, 348 
 
 I. 240 
 
 II. 313 
 
 11. 620 
 
 I. 67, 72 
 
 n. 222, 22;i 
 
 II. 405. 4] -J 
 
 II. 568 
 i 
 
 Rood V. Evans 
 V. Gamble 
 V. Minell 
 V. Prentiss 
 V. Reed 
 V. Roark 
 V. Shaw 
 V. Smith 
 V Upton 
 V. Vanclere 
 V. White 
 V. Whitney 
 V. Wood 
 
 II. 12S 
 
 II. 473 
 
 II. 640, 646 
 
 I. 205, 209 
 
 II. 425 
 
 I. 22; II. 546, 566 
 
 II. .532 
 
 II. 420 
 
 II. 151 
 
 11. 472 
 
 n. 155, 179, 199 
 
 II. 608 
 
 II. 513 
 
 Reeder v. Anderson II. 264 
 
 Reedy v. Seixas I. 466, 470, 475, 476 
 
 Rees V. Berrington I. 239, 246 ; II. 240, 
 
 245 
 
 r. Headfort I. 186 ; II. 493 
 
 B. Overbaugh II. 574 
 
 V. Warwick I. 286 
 
 Reese v. Abbot I- 251 
 
 V. Gordon I. 207 
 
 Reeside v. Knox I. 44 
 
 Regina v. Coulson II. 586 
 
 / . Dawson II. 586 
 
 V. Hawkes I. 61, 289 
 
 V. Hodgson II. 587 
 
 V. Keith II. 587 
 
 V. Kinnear I. 288 
 
 V. Smith I. 62 
 
 ». Taylor II. 69 
 
 V. Turpin II. 82 
 
 V. Wilson I. 113 
 
 V. Winterbottom I. 159 : II. 6 
 
 Reid V. Dickons II. 660, 662 
 
 V. Furnival I. 192; II. 218 
 
 V. Morrison I. 450,451, 453, 557, 558 
 
 V. Payne I 498 
 
 V. Reid II. 71 
 
 Reimsdyk v. Kane II. 359 
 
 Relf V. Bank of Mobile 11. 607 
 
 Remer v. Downer I. 471, 475, 497 
 
 Remick v. O'Kyle I. 310 
 
 Remington v. Harrington I. 482 
 
 Renew v. Axton II. 642 
 
 Renner v. Bank of Columbia I. 397 ; II. 
 
 298, 307, 309, 310, 325, 421, 516, 517 
 
 Renshaw v. Triplett I. 478, 504 
 
 Rensselaer Glass Factory v. Reid II. 395 
 
 Renwick v. Williams II. 29, 604
 
 INDEX TO CASES CITED. 
 
 Reuter v. Electric Telegraph 
 
 Co. 
 
 I. 163 
 
 Re) 
 
 nolds V. Ward I. 
 
 240, 241 ; IL 240, 
 
 Ruw V. Barber 
 
 
 II. 156 
 
 
 
 533 
 
 V. Pettet ] 
 
 . 98 
 
 II. 660 
 
 Rhea '. Alison 
 
 I. 198 
 
 Rex V. Bigg I. 163 
 
 ; II 
 
 . 18, 584 
 
 P' - 
 
 tt V. Poe I. 502, 
 
 524, 537, 544, 545, 
 
 V. Birkett 
 
 II. 
 
 584, 586 
 
 
 
 548; n. 137, 139 
 
 V. Bollond 
 
 
 II. 585 
 
 Rhode V. Alley 
 
 II. 663 
 
 V. Box 
 
 
 I. 35 
 
 lihodes, Ex parte 
 
 II. 16 
 
 V. Burke 
 
 
 II. 584 
 
 
 V. Gent 
 
 I. 308, 329 
 
 V. Cator 
 
 
 n. 477 
 
 
 V. Moseley 
 
 IL 292 
 
 r. Dunn 
 
 
 n. 585 
 
 
 V. Smethurst 
 
 II. 646 
 
 V. Elliot 
 
 
 I. 29 
 
 Rhoads v. Frederick 
 
 II. 533 
 
 V. Fauntleroy 
 
 
 II. 210 
 
 Ribbans v. Crickett 
 
 II. 231 
 
 V. Francis 
 
 
 II. 585 
 
 Rice V. Goddard 
 
 L 204, 210 
 
 V. Goodrich 
 
 
 II. 210 
 
 
 V. Gove 
 
 L 99 
 
 V. Hales 
 
 
 II. 584 
 
 
 V. Hogan 
 
 L 57, 642 
 
 V. Hart 
 
 
 I. 113 
 
 
 V. Maxwell 
 
 L 216 
 
 V. Holden 
 
 
 II. 585 
 
 
 V. Morton 
 
 L 246 
 
 V. Hunter 
 
 
 1.62 
 
 
 V. Porter 
 
 L 44 
 
 r. Inh. of Hardwick 
 
 
 II. 656 
 
 
 V. Ragland 
 
 IL 521 
 
 V. Marshall 
 
 
 II. 585 
 
 
 V. Raitt 
 
 L 224 
 
 V. Palmer 
 
 
 II. 585 
 
 
 V. Rice 
 
 I. 243 
 
 V. Parkes 
 
 
 11. 584 
 
 
 V. Stearns 
 
 L 17 
 
 ». Pdteman 
 
 
 II. 584 
 
 
 V. Wesson 
 
 L 265, 382, 520 
 
 V. Peacock 
 
 
 II. 585 
 
 
 V. Wilder 
 
 IL 6.54 
 
 V. Plumer 
 
 
 11.491 
 
 
 V. Wright 
 
 11.233 
 
 V. Post 
 
 
 II. 586 
 
 Rir 
 
 li V. Dupree 
 
 IL 655 
 
 V. Randall 
 
 II. 
 
 567, 583 
 
 
 V. Hathaway 
 
 IL 125, 137 
 
 V. Reculist 
 
 
 II. 583 
 
 
 V. Lambert 
 
 IL 170 
 
 V. Richards 
 
 II. 
 
 567, 583 
 
 
 V. Topping 
 
 IL 408, 466, 469 
 
 V. Shukard 
 
 
 II. 586 
 
 Ric 
 
 liards's Case 
 
 IL 567, 583 
 
 V. Taylor 
 
 
 II. 585 
 
 
 V. Bickley 
 
 II. 381 
 
 V. Teague 
 
 II. 
 
 583, 586 
 
 
 V. Brown 
 
 11.413 
 
 r. Treble 
 
 II. 
 
 547, 585 
 
 
 V. Frankum 
 
 IL 474 
 
 V. Tuft 
 
 
 II. 585 
 
 
 V. Griffin 
 
 II. 467 
 
 V. Vincent 
 
 
 11. 210 
 
 
 ('. Milsington 
 
 L 307, 428 
 
 V. Watson 
 
 
 II. 491 
 
 
 V. Richards 
 
 L 88, 89 ; II. 357, 
 
 V. Watts 
 
 
 II. 585 
 
 
 
 392, 447 
 
 V. Webb 
 
 
 II. 585 
 
 
 V. Thomas 
 
 II. 501 
 
 V. Wilson 
 
 
 II. 583 
 
 Ric 
 
 liardson v. Allan 
 
 11. 467 
 
 V. Yates 
 
 
 II. 5S 
 
 
 V. Brown 
 
 II. 406 
 
 Key V. Simpson 
 
 
 II. 124 
 
 
 V. Dingle 
 
 IL 518 
 
 Reynolds v. Chettle I. 1 8C, 
 
 362, 
 
 U)b, 426 ; 
 
 
 V. Fcnner 
 
 IL 437 
 
 
 
 11.72 
 
 
 V. French 
 
 I. 124 
 
 V. CJayton 
 
 
 II. 408 
 
 
 V. Gower 
 
 IL 446 
 
 V. Douglass I. 
 
 595 
 
 ; II. 1.39 
 
 
 V. Jackson 
 
 II. 625 
 
 V. Doyle 
 
 
 II. 6.38 
 
 
 V. Lincoln 
 
 I. 50; II. 442 
 
 V. French II. 
 
 266, 
 
 298, 309 
 
 
 V. Martyr 
 
 L45 
 
 V. Lansford 
 
 
 II. 631 
 
 
 V. Parker 
 
 IL611,612 
 
 V. M'Farlane 
 
 
 II. 222 
 
 
 V. Richardson II. 634 
 
 V. Peto 
 
 
 1.61 
 
 
 V. Scobee 
 
 II. 427
 
 INDEX TO CASES CITED. 
 
 XCIX 
 
 Richiinlson v. Strong 
 
 
 
 I. 149 
 
 Eiohhins 
 
 V. Bacon 
 
 I. 
 
 333, 334 
 
 Richie v. McCoy 
 
 I. 
 
 544, 
 
 548, 550 
 
 
 V. Eaton 
 
 
 I. 74, 75 
 
 V. Moore 
 
 
 
 11.30 
 
 
 V. Hayward 
 
 
 II. 426 
 
 Richman v. Richman 
 
 
 
 II. 639 
 
 
 V. Otis 
 
 
 II. 649 
 
 Richmond v. Fagua 
 
 
 
 II. 652 
 
 
 V. Pinckard 
 
 I. 
 
 622, 626 
 
 V. Heapy 
 
 
 
 I. 133 
 
 
 V. Richardson 
 
 I. 
 
 224, 226 
 
 Richmond Manuf. Co. v. Davis II. 559 
 
 Richter v. Selin I. 41, 590, 595, 596, 607 
 
 Ricketson v. Wood II. 244 
 
 Ricketts v. Pendleton I. 639 ; II. 499 
 
 V. Touimin I. 626 
 
 Rickford v. Ridge II. 72, 73, 85 
 
 Ricord v. Bettenham I. 152 
 
 Riddle v. Bowman I. 243, 244 
 
 17. Moss II. 467 
 
 Ridgway v. Day I. 582 ; TI. 5.34 
 
 Ridley ». Blackett 11.216 
 
 V. Taylor I. 127 ; II. 465, 478 
 
 Ridout V. Bristow I. 195, 198, 227 ; II. 6, 
 
 523, 524 
 
 Rieman v. Fisher II. 39 
 
 Rigby, Ex parte II. 82 
 
 V. Norwood II. 128 
 
 Riggs V. City of St. Louis I. 659 
 
 V. Lindsay I. 650 
 
 V. Waldo II. 121, 129 
 
 Righter v. Stall II. 228 
 
 Riley v. Anderson I. 221 
 
 V. Dickens I. 28 
 
 V. Gerrish XL 519, 520 
 
 V. Johnson I. 221 
 
 Rindge v. Breck II. 151 
 
 Riney v. Hill II. 425 
 
 Ringgold I'. Tyson 11. 469 
 
 Ringoe V. Biscoe II. 88 
 
 Ripka V. Pope I. 311 
 
 Ripley v. Greenleaf I. 385, 396, 399 ; 
 
 II. 246 
 
 Riser v. Snoddy II 659 
 
 Ritchie v. Bradshaw II. 72 
 
 V. Moore II. 610 
 
 Rives T. Parmley I. 494, 642 
 
 Rix V. Nevins I. 157 
 
 Roach V. Ostler I. 62, 288, 316 
 
 V. Thompson I. 243, 662 ; II. 458 
 
 Roades v. Barnes II. 154, 204 
 
 Robarts v. Tucker I. 321, 357 ; II. 64, 
 
 80, 81, 485, 590, 596 
 
 IJobb V. Bailey 11. 440 
 
 t'. Mudge I. 148 
 
 Robert v. Garnio II. 222, 223, 2iS 
 
 Roberts ». Adams I. llO, 111 
 
 • V. Austin I. 94 
 
 V. Bethell I. 49, 289 ; II. 489 
 
 V. Bradshaw I. 617 ; II. 490, 491 
 
 V. Button I. 97, 122 
 
 V. Eden II. 27, 219 
 
 V. Fisher II. 162 
 
 V. GofF IL 416 
 
 V. Kilprttrick II. 348 
 
 V. Mason L 311, 432,438 
 
 V. Peake I. 42, 610 
 
 V. J'illow II. 628, 630 
 
 V. SIiop II. 517 
 
 V. Trenayne 11.412,413,414, 417 
 
 Robertson v. Kensington II. 21 
 
 V. Nott II. 525 
 
 V. Parks II. 609 
 
 V. Pope I. 99 
 
 V. Sheward I. 35 
 
 V. Smith I. 247, 249, 251 
 
 r. Vogle L 507 ; IL 241, 245, 
 
 246 
 
 V. Wood II. 630 
 
 Robertsons v. Banks I. 90 
 
 Robie V. Flanders II. 634 
 
 Robins v. Gibson I 541, 644 
 
 V. Maidstone II. 487 
 
 V. May I. 44 
 
 Bobinson, Ex parte I. 104 
 
 V. Abell II. 120, 121 
 
 V. Ames I. 264, 338, 345, 350, 
 
 539, 541 ; IL 463 
 
 V. Bank of Darien II. 94, 275, 
 
 298, 302, 308 
 
 r. Batchelder II. 532 
 
 V, Bland I. 62, 217; II. 155, 
 
 318, 319, 324, 326, 376, 394, 410 
 
 V. Blen I. 373 
 
 V. Campbell II. 327 
 
 V. Crandall II. 374, 446 
 
 V. Curry IL 292, 299, 301 
 
 V. Doolittle IL 226, 227 
 
 V. Furbush II. 607
 
 INDEX TO CASKS CITKD 
 
 Robinson v. Hamilton 
 
 I. 493 
 
 Rohrer v. Morning Star 
 
 n. 469 
 
 V, Hawksforc 
 
 I. 273; II. 59, 
 
 Rolfe V. Caslon 
 
 L 199 
 
 
 72, 73, 74, 94 
 
 V. Wyatt 
 
 II. 2.50 
 
 V. Johnson 
 
 I. 643 
 
 Rolin V. Steward 
 
 IL 63, 64 
 
 V. Lair 
 
 I. 223 
 
 Rollins V. Bartlett 
 
 II. 555, 574 
 
 V. Mace 
 
 II. 620 
 
 V. Stevens 
 
 L 140 
 
 V. Marney 
 
 II. 175 
 
 Rollman v. Baker 
 
 II. 393 
 
 V. Read II 
 
 154, 155, 179, 184 
 
 Rolston V. Click 
 
 I. 140 
 
 B. Reynolds 
 
 I. .180 
 
 Roltv. Watson 11.289,291 
 
 , 292, 296, 303 
 
 V. Robinson 
 
 n. 641 
 
 Roosa V. Crist 
 
 II. 352, 358 
 
 r. Taylor 
 
 I. 145 
 
 Roosevelt v. Cebra 
 
 IL 361 
 
 V. Yarrow 
 
 I. 107, 321, 322; 
 
 V. WoodhuU 
 
 I. 531 
 
 n. 7 
 
 482, 589, 590, 591 
 
 Root v. Taylor 
 
 II 611 
 
 Robison v. Lyle 
 
 I. 233 
 
 V. Wallace 
 
 II. 107 
 
 Robson V. Bennett 
 
 I. 273, 514; II. 72, 
 
 Rordasnz v. Leach 
 
 IL 439 
 
 
 74, 75 
 
 Rosa V. Brotherson 
 
 II. 222 
 
 T. Curlewia 
 
 I. 469 
 
 Roscoe V. Hale 
 
 n. 651, 660 
 
 V. Earley 
 
 II. 442 
 
 Rose V. Dickson 
 
 IL 408 
 
 v. Oliver 
 
 n. 183, 184 
 
 V. Laffan 
 
 iL 45(1, 451 
 
 Roche V. Campbell 
 
 I. 306, 307 
 
 Rose V. Learned 
 
 IL 510 
 
 Rockingham v. Oxenden II. 214 
 
 V. M'Leod 
 
 II. 360, 363 
 
 Bank v. Claggett II. 455 
 
 V. Rowcroft 
 
 L41 
 
 Rockwood V. Brown 
 
 II. 637 
 
 V. Truax 
 
 L214 
 
 Roden v. Ryde 
 
 11. 479 
 
 Rosher v. Kieran 
 
 I. 504 
 
 Rodes V. Bljthe 
 
 II. 424 
 
 Ross, Ex parte 
 
 IL 629 
 
 Rodick V. Gandell 
 
 II. 56, 61 
 
 V. Bank of Burlington 
 
 IL 294 
 
 Roe V. Jerome 
 
 II. 318 
 
 ». Bedell L 188, 
 
 189, 634, 635, 
 
 Roffey V. Greenwell 
 
 II. 393 
 
 
 640 ; II. 342 
 
 Rogers v. Batchelor 
 
 I. 126 
 
 V. Pearson 
 
 I. 607 
 
 V. Hackett I. 
 
 595, 597, 603, 605, 
 
 V. Planters' Bank 
 
 L 475, I. 476 
 
 
 610 
 
 V. Ross 
 
 II. 649 
 
 V. Kneeland 
 
 II. 130 
 
 V. Russell 
 
 II. 425 
 
 V. Langford 
 
 II. 97, 104, 183, 
 
 V. Smith 
 
 II. 45, 50, 53 
 
 
 184, 192 
 
 v. Whitson 
 
 11.167 
 
 V. Miller 
 
 II. 294, 304, 310 
 
 Rosseau v. Cull 
 
 II. 202, 225 
 
 V. Morton 
 
 I. 183 
 
 Rossi ter v. Rossiter 
 
 L 101, 118 
 
 V. Ratlibun 
 
 II. 416 
 
 Rotch V. Edie 
 
 II. 330 
 
 V. Reed 
 
 II. 17 
 
 Rothschild v. Corney I. 27 
 
 1, 272; II. 79 
 
 V. Rogers 
 
 1.201 
 
 V. Currie I. 
 
 641 ; II. 325, 
 
 V. Stevens I 
 
 533, 536, 541, 596, 
 
 329, 
 
 336, 339, 340 
 
 598, 
 
 618, 642, 644, 647 
 
 Rouse V. Redwood 
 
 L 599 
 
 V. Stoever 
 
 II. 642 
 
 V. Southard 
 
 IL 639 
 
 V. Walker 
 
 I. 151 
 
 Routh V. Robertson 
 
 L 476 
 
 V. Waters 
 
 I. 201 ; II. 649 
 
 Row V. Dawson 
 
 I. 336 
 
 Rogcrson v. Hare 
 
 I. .OOS 
 
 V. I'ulver 
 
 L 237 
 
 v. Ladbroke 
 
 II. eof), 618 
 
 Rowan v. Odenheimer 
 
 L476 
 
 Rogct V. Mirritt II 
 
 41, 103. 186, 192 
 
 Rowe V. Blnnclifird 
 
 I. 206 
 
 RobiMi V. Hatison 
 
 11.517 
 
 (.'. Tipper 
 
 1. 504, 514 
 
 Rohde, Kx parte 
 
 I. 528 
 
 r. Voiiii,:,' I. 306. 
 
 307, 308, 311 
 
 V. rroctor 
 
 I. .500 
 
 Kowliiiiil /'. SlevensoM 
 
 II. 361
 
 INDEX TO CASES CITED. 
 
 CI 
 
 Rowlands v. Springett I. 468, 469, 476 
 Rowley p. Ball II. 290, 2.n, 293, 295, 
 
 297, 303 
 
 V. Home II. 258 
 
 V. Stoddard I. 248 
 
 Rowning v. Goodchild II. 315 
 
 Rowt V. Kile II. 477 
 
 Rowton, Ex parte II 5 
 
 Roxborough v. Messick I. 224 
 
 Royal Bank of Scotland, Ex parte II. 50 
 V. Cutlibert II. 
 360, 361, 363 
 Royal British Bank v. Turquand II. 35 
 Royce v. Barnes II 443 
 
 Rucher v. Conyngham 11. 173, 413 
 
 Rucker v. Hannay II. 660 
 
 V. Hiller I. 534, 538, 540 
 
 Ruckersville Bank v. Hemphill II. 607 
 Ruckmaboye v. Mottichund II. 631. 635 
 Raddell v. Ambler 
 
 V. Folson 
 
 V. Walker 
 Rudderow v. Huntington 
 Ruff V. Bull 
 
 II. 
 
 V. Webb 
 Rugely V. Daridson 
 Ruggles V. Holden 
 V. Keeler 
 V. Patten 
 
 Rumball v. Ball 
 
 Rumsey v. Leek 
 
 V. Sargent 
 
 Runnion v. Crane 
 
 Runyon v. Latham 
 
 V. Mountfort 
 
 Rushing v. Rhodes 
 
 Rushton V. Aspinwall 
 
 Rush worth v. Moore 
 
 Rtiss V. Fay 
 
 Russel V. Ball 
 
 V. Langstaffe 
 
 Russell V. Babcock 
 V. Bell 
 V. Blake 
 V. Buck 
 
 V. Cook 
 ». Copp 
 V. Drummond 
 
 ■jni. 416 
 II. 66" 
 n. 458 
 I. 205 
 L 375 
 L 51 
 L382, 519; IL .502 
 I. 237 ; II 244 
 IL 327, 382 
 I. 250, 309 ; II. 235, 
 242, 250 
 I. 375 ; II. 643 
 L 197 
 L 205 
 IL 577 
 IL 222 
 I. 490, 493 
 n. 642 
 L 412 
 L 635 
 II. 636 
 L 189 
 IL 567 
 IL 12C 
 IL 613 
 IL 465 
 L 587, 621, 623 ; IL 
 126, 333, 347 
 I. 196 
 II. 649 
 
 Russell V. Hadduck 
 V. Hankey 
 V. Langstaffe 
 
 V. Lucas 
 V. Moseley 
 V. Phillips 
 V. Swan 
 V. Whipple 
 V. Wiggin 
 
 II 
 
 L 109, 
 446, 507 ; 
 
 L 294, 297 
 
 Rutlierford v. Mitchell 
 Rutland's Case 
 Rutland Bank v. Buck 
 
 & Burlington R. R. Co. 
 II 
 Rutledge v. Greenwood 
 Ryan v. Barger II 
 
 V. C'hew 
 Ryder v. Ellis 
 Rymes v. Clarkson 
 
 275, 277 
 
 IL 216 
 
 110, 112, 
 
 IL 10, 11 
 
 IL 425 
 
 II 131 
 
 . 282, 312 
 
 II. 5 
 
 I. 25 
 
 ; IL 109, 
 
 134 
 
 IL 450 
 
 II. 502 
 
 L 226 
 
 V. Cole 
 
 . 452, 518 
 
 II. 246 
 
 . 605, 609 
 
 L 224 
 
 IL 4.36 
 
 I. 22 
 
 S. 
 
 Sabin v. Harris 
 Sacket v. Loom is 
 Sacrider v. Broivn 
 Sadler v. Hoover 
 Safford v. Vail 
 
 V. Wyckoff 
 
 IL 125 
 
 L 270 
 
 I. 641 
 
 II. 404 
 
 IL 415 
 
 L 16.5, 166, 169; 
 
 IL 89, 494 
 
 IL 119, 126, 128 
 
 I. 238 
 
 II. 174 
 
 IL 170 
 
 IL 61, 71, 78 
 
 IL 470, 490 
 
 IL 152, 157, 183 
 
 L 117 
 
 Sage V. Wilcox 
 Sailly V. Elmore 
 St. Catherine, The 
 St. Jago de Cuba 
 St. John V. Homans 
 
 V. McConnell 
 V. Purdy 
 St. Louis Perpetual Ins. Co. v. Homer 
 
 II. 508 
 
 Salem Bank v. Gloucester Bank IL 38, 
 
 90, 101, 186, 189, 477 
 
 Salinas v. Wright L 39 
 
 Salisbury v. Gillett IL 480 
 
 V. Remick I. 596 
 
 Sallee n Chandler IL 319 
 
 Salmon v. Hoffman IL 167 
 
 V. Webb II. 537
 
 oil 
 
 INDEX TO CASES CITED. 
 
 Salomons v. Stavely I. 642 
 
 Salter v. Burt I. 400, 402 ; II. 68, 69 
 
 Saltmarsh v. Planters', &c. Bank II. 426, 
 
 427, 428 
 
 T. Tuthill I. 471 ; II. 468 
 
 Saltus V. Everett II. 34, 116 
 
 Satnpet's Case II. 45 
 
 Sams V. Stockton II. 647 
 
 Samuell v. Howarth I. 246 ; II. 247 
 
 Samuels v. Evans I. .34 
 
 Sanborn v. Little II. 610 
 
 V. Southard I. 268, 382 ; II. 
 
 498, .502, 516 
 
 Sandefur ». Mattingley II. 306 
 
 Sanders v. Anderson I. 36 
 
 V. Bacon II. 146, 543 
 
 V. Blain I. 159 
 
 V. Branch Bank II. 160 
 
 V. Robertson II. 631 
 
 V. St. Neot's Union I. 163 
 
 V. Van Zeller II. 34 
 
 Sanderson r. Bowes 1 306, 427, 429 ; 
 
 II. 644 
 
 V. CoUman I. 321 ; II. 482, 590 
 
 V. Olmsted II. 629 
 
 V. Symonds II. 546 
 
 Sandford v. Dillaway I. 446, 528, 556 ; 
 
 II. 150 
 
 V. Norton I. 189, 258 ; II. 121, 
 
 133, 275, 277 
 
 Sands v. Clarke I. 427, 446, 447, 557 ; 
 
 II. 98, 192 
 
 V. Lyon I. 401 
 
 Sanford v. Allen II. 142 
 
 V. Hayes II. 656 
 
 V. Mickles L 146, 264, 380 
 
 Sanger v. Cleveland I. 200 
 
 V. Stimpson I. 473 
 
 Sangster v. Mazarredo II. 481 
 
 Sannickson v. Brown II. 647 
 
 Sard V. Rhodes II. 217 
 
 Sargent v. Applcton II. 239, 240, 242, 248 
 
 V. Southgato II. 152, 604, 619 
 
 Sarsefield v. Witlicrly II. 73 
 
 Sassccr v. Farmers' Bank I. 471 
 
 V. Walker II. 446 
 
 V. Whitely I. 493 
 
 Satcr V. Ilcndershutt II. 456 
 
 Sauerwciii ?;. Brunncr II. 433 
 
 Saul V. IJrand L 482, 487. 489 
 
 Saul V. Creditors 
 Saunders's Case 
 Saunders v. Frost 
 
 V. Lambert 
 Saunderson v. Jackson 
 
 IL 320, 349 
 
 II. 406 
 
 I. 230 
 
 II. 406, 421 
 
 L37 
 
 y. Judge 1.307,371,421, 
 
 428, 435, 436, 478 ; II. 492 
 
 V. Piper I. 27 
 
 V. Warner II. 391 
 
 Savage's Case II. 387, 390 
 
 Savage v. Aidren II. 643 
 
 V. Bevier II. 449 
 
 V. Davis II. 604 
 
 V. King L 79, 81 ; II 53 
 
 V. Merle I. 537 ; II. 211, 221 
 
 V. Rix L 96, 122 
 
 Savings Bank v. Bates 1, 223, 396, 416 
 
 Sawyer v. Hoovey I. 275 
 
 V. Baker II. 625 
 
 V. Chambers * I. 184 
 
 V. Cutting II. 210 
 
 r. Patterson II. 246 
 
 r. Tiippan II. 225, 641 
 
 Saxton ('. Johnson I. 45 
 
 Sayer v. Chaytor I. 251 
 
 V. Kitchen II. 489 
 
 Sayles v. Tibbitts II. 629 
 
 Sayre v. Frick I. 363, 502 
 
 V. Lucas I. 26 
 
 V. Reynolds II. 550, 577 
 
 Scales V. Jacob II. 651 
 
 Scarborough t;. Harris I. 508, 554; II. 241 
 
 V. Reynolds I. 1 1 7 
 
 Scarpellini v. Atcheson I. 86, 88; II. 
 
 631, 639 
 
 Schemei'horn v. Loines II. 179 
 
 Schepp V. Carpenter II. 27 
 
 Schernierhorn v. Talman II. 40,s, 432 
 
 Schiinmelpennich v. Bayard I. 118, 294, 
 
 315, 330; II. 151 
 
 Schlatter v. Rector I. 395 
 
 Schmidt v. Limehouse II. 393 
 
 V. KadclifTe I. 602, 603, 607, 622 
 
 V. Sclimacttcr I. 23 
 
 SchTicl)ly V. Ixagan II. ] 68 
 
 Schneider v. Norris f I. 282 
 
 V. Schiffman II. 121, 122 
 
 Schoiicld V. Bayard I. 316, 319, 460, 463 
 
 Scholey v. Daniel II. 45 
 
 V. h'amslioltoin II. 80, 213
 
 INDEX TO CASES CITED. 
 
 cm 
 
 Scholey v. Walsby II. 220, 221, 487, 488 
 V. Walton II. 66C 
 
 Scholleiiberger v. Nehf II. 120, 121 
 
 Schoneman v. Fegley II. 499 
 
 Schoonmaker v. Roosa I. 178, 197. 198 
 Schroeppel v. Corning II. 642 
 
 Schroeppell v. Shaw I. 237 
 
 Schroyer v. Lynch II. 315 
 
 Schultz V. Astley I. 115, 290 ; II. 482, 
 
 483, .587 
 Schweizer v. Weiber II. 616 
 
 Scolield V. Day I. 664 ; II. 341, 370, 376 
 
 377 
 
 Scott V. Bevan I. 664 ; II. 369 
 
 V. Brest II. 406 
 
 V. Cleaveland II. 301 
 
 V. Commonwealth II. 92 
 
 V. Conover II. 96 
 
 V. Fisher 11. 222, 223 
 
 V. Gill more I. 217 
 
 V. Greer I. 578, 592 
 
 V. Haddock II. 637, 640 
 
 V. Lewis II. 420 
 
 V. Lifford J. 328, 481, 514, 541 ; 
 
 n. 237, 492 
 
 V. Lloyd II. 468 
 
 V. M'Lellan I. 116 
 
 ». Nesbit 11.416 
 
 V. Nichols II. 638 
 
 V. Ocean Bank I. 224 
 
 V. Searles I. 158 
 
 V. Surman II. 154 
 
 V. Walker II. 562, 577 
 
 ScoviUe V. Canfield II. 318, 367 
 
 Scriba v. N. A. Ins. Co. II. 330 
 
 Scribner v. Fisher II. 325, 364 
 
 Scruggs V. Gass II. 89, 98, 103, 106, 187, 
 
 194 
 
 Scudder v. Andrews I. 210 
 
 V. Morris II. 393 
 
 Scull V. Edwards I. 21 
 
 Seabury i>. Hungerford I. 580; II. 123, 
 
 125 
 
 Seacord v. Burling II. 505 
 
 V. Miller L 563, 572 
 
 Searight v. Calbraith II. 364, 365 
 
 Sears v. Brink II. 128 
 
 i;. Smith IL 168 
 
 V. Wright II. 510 
 
 Seaver v. Dingley II. 20? 
 
 Seaver v. Lincoln I. 264, 265, 359, 372, 
 
 377, 519 
 V. Phelps L 150; IL 6 
 
 Seay v. Bacon 1 1. 639 
 
 V. Bank of Tennessee I. 33 
 
 Sebag V. Abitbol L 309, 329, 352, 426 
 Sebree v. Dorr II. 286, 301, 473 
 
 Second Bank v. Williams II. 82 
 
 Sedgwick v. Jager II. 473 
 
 Seeley v Engell II. 615 
 
 Segond v. Thomas II. 411 
 
 Selby V. Eden I, 308, 309, 425 
 
 Selden v. Pringle II. 288 
 
 Selfridger. Northampton Bank IL 95, 222 
 Selleck v. Sugar Hollow Turnpike Co. 
 
 IL 225 
 
 Selser v. Brock I. 236 
 
 Semmes v. Magruder II. 660 
 
 Semple v Burd IL 167 
 
 V. Cole II. 577 
 
 V. Morrison I. 71 
 
 Seneca Co. Bank v. Neass I. 432, 482, 
 
 490, 498, 645 
 
 V. Schermerhorn II. 434 
 
 Sentance v. Poole I. 150 
 
 Serle v. Norton L 41, 42, 273 ; II. 69, 74 
 
 V. Waterworth L 196 ; II. 6 
 
 Serrell v. Derbyshire Railway Co. I. 271 ; 
 
 IL 79 
 
 Sessions v. Moseley II. 54, 56, 446 
 
 V. Richmond II. 421 
 
 Seton V. Seton L 178, 179 
 
 Seventh Ward Bank v. Hanrick I. 513, 
 
 515, 518; IL 244 
 
 Sowell V. Evans II. 479 
 
 Sexton V. Fleet IL 53 
 
 Seymour v. Deraing II. 634 
 
 V. Sexton II. 227 
 
 «. Van Slyck IL119 
 
 Shackieford ». Douglass II. 651,654 
 
 Shallenberger v. Ashworth II. 634 
 
 Shamburgh v. Commagere I. 422 ; II. 467, 
 
 469, 470 
 Shamokin Bank v. Street 1. 46 
 
 Shank, Ex parte IL 170 
 
 Shanklin v. Cooper I. 637, 640, 641 , 644 ; 
 
 II. 325 
 
 Shannon v. Dunn II. 633 
 
 V. Langhorn I. 199 
 
 Sharp, Ex parte II. 82
 
 CIV 
 
 INDEX TO CASES CITED. 
 
 Sharp r. Bailey I. 309, 557 ; II. 498 
 
 V. Emmet I. 104, 105 
 
 V. Head II. 634 
 
 V. Smith II. 472 
 
 V. Teese I. 216 
 
 V. Ward I. 393 
 
 Sharpe v- Bagwell II. 554 
 
 V. Bingley II. 245 
 
 V. Drew I. 645 
 
 Sharpies v. Rickard II. 331 
 
 Sharpley v. Hurrel II. 413 
 
 Shaver v. Ehle II. 37, 38, 306, 477, 479, 
 
 589, 600 
 
 Shaw V. Allen II. 651 
 
 r. Broom II. 472 
 
 V. Croft I. 503, 504 
 
 V. Emery I. 80 
 
 V. Grifith II. 246 
 
 V. Loud I. 243 
 
 V. Markham II. 490 
 
 V. Methodist Epis. So. II. 146. 540 
 
 V. Newell II. 652, 653 
 
 V. Nolan II. 246 
 
 V. Picton II. 222 
 
 V. Pratt I. 248 
 
 ». Reed 1.311,432,446,450,528 
 
 V. Stone I. 170 
 
 Shearm v. Burnard II. 286, 473 
 
 Shed V. Brett I. 358, 362, 4 1 1 ,413, 414,420, 
 
 457, 458, 473, 478, 497, 505 ; 
 
 II. 213, 214, 462, 492 
 
 V. Pierce II. 532, 538 
 
 Sheehy v. Mandeville I. 249, 381 ; 11, 
 
 153, 200, 218, 252 
 
 Sheets v. Pabody I. 156, 157 
 
 Shelby v. Guy II. 383, 634 
 
 Sheldon ».Benham 1.401,402,483,641 ; 
 
 II. 495 
 
 V. Kendall II. 610 
 
 V. Middleton II. 444 
 
 V. Steere II. 424 
 
 Shelmerdine v. Duffy II. 459 
 
 Slielton V. Braithwaite I. 472, 495 
 
 V. Darling I. 93, 97, 98, 102, 169 
 
 ». Gill 11.410 
 
 f. Marshall 11.319 
 
 r. Tiflin II. 168 
 
 Sliciitoii r. .JatricH I. 45 
 
 Sli<'|iiii'il I . ( 'liiiiiilii'i'lii II I. ^.'t^ 
 
 V. IX; IJ(u naies 1 !. 1 fjf) 
 
 Shepard v. Haley 
 
 
 I. 482 
 
 V. Hall 
 
 I. 394, 
 
 478, 488 
 
 r. Ilawley 
 
 I. 
 
 363, 502 
 
 Shephard r. Watrous 
 
 
 I. 197 
 
 Shepherd t: Chamberlain 
 
 I. 419 
 
 V. Evans 
 
 
 II. 449 
 
 V. Temple 
 
 I. 204 
 
 ; II. 522 
 
 Shepley v. Waterhouse 
 
 
 II. 656 
 
 Shepnian v. Cook 
 
 
 I. 224 
 
 Sheppard's Case 
 
 
 II. 588 
 
 Sheppard v. Graves 
 
 
 I. 388 
 
 : V. Hamilton 
 
 
 II. 410 
 
 V. Spates 
 
 
 1.401 
 
 Sheratz v. Nicodemus 
 
 
 II. 167 
 
 Sherer v. Easton Bank 
 
 I. 596, 
 
 608, 610, 
 
 
 622, 
 
 636, 647 
 
 1 Sherman v. Clark 
 
 
 I. 498 
 
 i;. Comstock 
 
 
 n. 68 
 
 V. Gassett 
 
 
 II. 320 
 
 V. Goble 
 
 
 I. 14 
 
 V. Wakeman 
 
 II. 
 
 649, 652 
 
 Sherrill v. Hopkins 
 
 11.318, 
 
 319, 325, 
 
 
 326, 
 
 333, 362 
 
 Sherrington v. Yates 
 
 
 II. 44" 
 
 Sherrod v. Bennett 
 
 
 II. 649 
 
 V. Rhodes 
 
 I. 555, 
 
 .596, 599 
 
 Sherwood v. Dunbar 
 
 
 II. 638 
 
 V. Roys 
 
 II 
 
 209, 444 
 
 V. Sutton 
 
 
 II. 640 
 
 Shibla V. Ely 
 
 
 II. 629 
 
 Shields v. Commonwealth 
 
 II 301 
 
 V. Taylor 
 
 
 1.45 
 
 Shirley v. Fellows 
 
 
 I. 555 
 
 V. Todd 
 
 
 TI. 604 
 
 ShirrefF v. Wilks I. 
 
 125, 143 
 
 ; II. 477 
 
 Shirtliffe v. Gilbert 
 
 
 II. 245 
 
 Shitler v. Bremer 
 
 
 II. 651 
 
 Shiver v. Johnson 
 
 
 II. 475 
 
 Shoemaker v. Benedict 
 
 
 II. 658 
 
 Shook V. State 
 
 I. 241 
 
 ; II. 135 
 
 Short V. Bryant 
 
 
 II. 63.3 
 
 Sliortbridge's Case 
 
 
 II. 82 
 
 Shortrede v. Cheek 
 
 II. 
 
 119, 131 
 
 Shotwell V. M'Kown 
 
 
 I. 99, 170 
 
 V. Miller 
 
 
 I. 250 
 
 Shove V. Wiley 
 
 1.369 
 
 ; II. 492 
 
 Shrieve v. Combs 
 
 
 1.470 
 
 V. Duckham 
 
 . 273, 47 
 
 i;II.59, 
 72, 74 
 
 Shriner v. Keller 
 
 I. 558 
 
 ; II. 159
 
 INDEX TO CASKS CITED. 
 
 cv 
 
 Shrivell r. Payne T. 24 
 
 Shuck V. Wight II. 414 
 
 Shukard's Case II. .586 
 
 Shumway ('. Reed II. 152 
 
 Shute V. Kobins I. 264, 268, 340, 342, 
 
 343, 344; II. 94 
 
 Shnttlesworth v. Noyes I. 79, 86; II. 447 
 
 Shuttleworth, Ex parte II. 41, 184, 601 
 
 V. Bruce I. 332 
 
 B. Stephens I. 62 ; II. 471 
 
 Sibley v. Fisher 
 
 V. Lumbert 
 V. McAlIaster 
 V. Phelps 
 Sibree v. Tripp 
 Sicard v. Whale 
 Sice V. Cunnintrham 
 
 I. 26 
 
 II. 577, 579 
 II. 655 
 I. 238 
 II. 637, 662 
 II. 155, 218 
 II. 327, 367, 369 
 I. 264, 269, 376, 
 
 378, 379, 380, 600, 601 ; II. 504, 505 
 
 Sidaway v. Hay 
 Siddall V. Rawcliff 
 Sidford c. Chambers 
 Sidwull V. Evans 
 SiflFkin V. Walker 
 Sigerson v. Mathews 
 Siggers v. Brown 
 V. Lewis 
 Sigourney v. Lloyd 
 
 V. Severy 
 
 II. 361, 363 
 
 II. 252 
 
 IL 486 
 
 L 198 
 
 L 130 
 
 . 586, 595, 596, 604 
 
 L 486 
 
 II. 214, 624 
 
 L 17, 119; IL 43, 
 
 210 
 
 IL 637 
 
 V. Wetherell II. 135, 139, 247 
 
 Sill ». Worswick II. 387 
 
 Silver V. Henderson I. 309 
 
 Silver Lake Bank v. North II. 358 
 
 Silvisr Ely I. 198 
 
 SimmonJs v Parminter II. 453, 455, 487 
 
 Sinimuiis r. Belt I. 527 
 
 /. Taylor II. 65, 586 
 
 V. WilliamB II. 607 
 
 Simms v. Clark IL 38, 39, 101, 189, 
 
 190, 600, 601 
 
 V. «mith II. 640 
 
 Simons v. Steele IL 125, 128, 130, 132, 
 
 137 
 
 V. Waterman II. 438 
 
 Simonton v. Steele I. 195 ; II. 522 
 
 Simpson v. Clarke I. 186, 187, 191 
 
 V. FuUenwider II. 420, 427 
 
 V. Griffin I. 662 
 
 V. Stackhouse II. 577 
 
 V Swan I. 104 
 
 Simpson v. Turney I. 514 
 
 V. Warren II. 418 
 
 Sims D. Bond II. 61 
 
 V. Goudelock II. 638, 642 
 
 Simson V. Ingham II. 224, 228 
 
 Sinclair v. Baggaley I. 49 
 
 V. Lynah I. 470 
 
 V. Piercy II. 92 
 
 Singleton v. Lewis IL 425 
 
 Sison V. Kidman I. 196 
 
 Sisson V. Barrett L 233 ; II. 517 
 
 V. Thomlinson I. 554, 556 
 
 Sis.sons V. Bicknell II. 383 
 
 Sistermans v. Field I. 189, 279 
 
 Sizer v. Heacock IL 242 
 
 V. Miller IL 434 
 
 Skeate v. Beale II. 493 
 
 Skilbeck v. Garbett L 481 
 
 Skinner v. Deming II. 107 
 
 V. Somes II. 46 
 
 Skofield V. Haley II. 137 
 
 Skowhegan Bank v. Baker II. 445, 453 
 
 Slack V. Lowell II. 399 
 
 V. McLagan L 210; IL 168 
 
 V. Moss IL 470 
 
 Slacum V. Pomery IL 326, 336, 339, 
 
 342, 343, 346, 348, 371, 372 
 
 Slade V. Halsted L 178; II. 523 
 
 Slagle V. Rust II. 556 
 
 Slark V. Highgate Archway Co. I. 164 
 
 Slater v. Cave II. 634 
 
 V. Lawson II. 659 
 
 V. West IL 271 
 
 Slayback v. Jones II. 608 
 
 Slaymaker v. Gundacker IL 203, 204 
 
 Sleeth V. Murphy IL 633 
 
 Slegg V. Phillips II. 465 
 
 Sleigh V. Sleigh L 555 
 
 Slipher v. Fisher I. 235 
 
 Slipper ? Stidstoue IL 608 
 
 Sloan V. Petrie II 623 
 
 V. Sloan IL 648 
 
 Slocum V. Hooker I. 77 
 
 Slocumb V. Lurty IL 160 
 
 V. Holmes IL 152, 160 
 
 Sloman v. Bank of England IL 82 
 
 V. Cox IL 235, 552 
 
 Sloo V. Roberts IL 296 
 
 Slosson V. Duff H- 434 
 
 Small V. Browder II. 618
 
 CVl 
 
 INDEX TO CASES CITED. 
 
 Small V. Sacramento Navigation & 
 
 II. 478 
 
 II. 132, 133 
 
 II. 28, 266 
 
 II. 145, 537 
 
 1.45 
 
 11.53 
 
 11.25 
 
 n. 244 
 
 I. 163 
 
 I. 482, 488 
 
 II. 409 
 
 I. 62 
 
 II. 242 
 
 I. 301 
 
 II. 621 
 
 IT. 327, 634 
 
 I. 412; 
 
 II. 462 
 r. Barber 11.519 
 V. Bartholomew I 245 
 V. Battens I. 41 ; II. 663 
 V. Becket I. 528, 556 ; II. 239 
 V. Bolieme I. 43 
 V. Boulton I. 468, 470, 477 
 V. Braine I. 18S ; II. 266, 283, 493 
 V. Brinei^erhofr II. 614 
 
 Mining Co. 
 V. Sloan 
 V. Smith 
 Smalley v. Bristol 
 V. Edey 
 V. "Wight 
 Smallwood i>. Vernon 
 V. Woods 
 Smart v. West Ham Union 
 Smedes v. Utica Bank 
 Smedley v. Roberts 
 Smith's Case 
 Smith, Ex parte 
 V. Abbot 
 V. Anders 
 V. Atwood 
 r. Bank of Washington 
 
 Sn. 
 
 V. Brooks 
 
 I. 
 
 195 ; II. 522 
 
 V. Brown 
 
 
 11.361 
 
 V. Brush 
 
 
 II. 407 
 
 V. Buchanan II. 
 
 319, 
 
 341,360,363 
 
 V. Burton 
 
 
 II. 437, 443 
 
 V. Bytliewood 
 
 
 I. 375, 407 
 
 V. Campbell 
 
 
 II. 661 
 
 9. Cartwright 
 
 
 I. 163 
 
 r. Cassity 
 
 
 II. 642 
 
 V. Chandler 
 
 
 I. 86 
 
 V. Chester I. 
 
 321 
 
 322 ; II. 81, 
 
 99, 196, 212, 482, 483, 485, 
 
 590, 598, 599 
 V. Ciapp I. 251 
 
 V. CUukii II. 26, 485 
 
 V. Ciopton I. 255 
 
 V. Crooker II. 558, 582 
 
 V. Crosby II. 384 
 
 V. Crutcher II. 457 
 
 V. Dawson II. 647 
 
 V. I)e la Fontaine I. 305 
 
 i;. Do Witts I. 153 ; II. 5. 29 
 
 r. I)(! Wniitz II. 5, 29, 472 
 
 til V. Doak 
 
 
 I. 232 
 
 17. Dunham 
 
 
 IL 555, 637 
 
 V. Eastman 
 
 
 II. 650, 651 
 
 V. Elder 
 
 
 IL 507 
 
 V. Essex Co. Bank 
 
 II. 209 
 
 V. Ewer 
 
 
 IL 610 
 
 V. Ferrand 
 
 
 II. 184 
 
 V. Finch 
 
 
 II. 120 
 
 V. Fisher 
 
 
 L 490, 491 
 
 V. Fiske 
 
 
 IL 641 
 
 V. Gibbs 
 
 
 L 367, 641. 643 
 
 V. Gibson 
 
 
 I. 116 
 
 V. Goddard 
 
 
 II. 96 
 
 V. Harper 
 
 
 IL 203, 206 
 
 V. Hill 
 
 
 II. 646 
 
 V. Hiscocks 
 
 
 I. 223 
 
 V. Huie 
 
 
 IL 606 
 
 V. Ide 
 
 
 IL 128 
 
 V. Isaacs 
 
 
 I. 223 
 
 V. Jamesons 
 
 
 IL 82 
 
 V. Janes I. 
 
 273; II. 59,73, 74 
 
 '■. Johnson 
 
 
 IL 615 
 
 V Kendal (1 Esp.) 
 
 I. 408; II. 445 
 
 V. Kendall (6 T 
 
 fi 
 
 .) 1.227,408; 
 II. 4, 210, 445 
 
 V. Kittridge 
 
 I. 
 
 179, 197; II. 55 
 
 V. Knox I. 183, 
 
 236,326; II. 27 
 
 V. Leaper 
 
 
 II. 650 
 
 V. Little 
 
 
 L 471, 515, 64.3 
 
 V. Lockeridge 
 
 
 I. .33 
 
 V. Lord 
 
 
 IL 474 
 
 V. Loyd 
 
 
 IT. 228, 2.30 
 
 V. Lusher I. 
 
 124, 129, 137, 200; 
 
 
 
 II. 440 
 
 V. M'Clure 
 
 I. 
 
 14; IL 293, 474 
 
 V. McGowan 
 
 
 II. 580 
 
 V. M'Lenn 
 
 
 I. 311, 432, 4.33 
 
 V. Mapleback 
 
 
 ■^ IL 532 
 
 r Marsack 
 
 
 L 321 ; IL 459 
 
 V. Martin 
 
 
 IL 487 
 
 V. Mayo 
 
 
 L 74 
 
 V. Mead 
 
 
 IL 318, 320,376 
 
 V. Mechanics', &c. 
 
 Bank I. 258 ; 
 
 
 
 IL 64, 81, 592 
 
 V. Mercer II. 
 
 3S 
 
 , 80, 81, 99, 195, 
 
 212, 482 
 
 , 588, 590, 598, 599 
 
 V. Miller 
 
 
 IL 72, 162 
 
 V. Morgan 
 
 
 IL 467 
 
 V. Mullett 
 
 
 I. 481, 513, 514 
 
 V. Mun<ly 
 
 
 II. 314
 
 INDEX TO CASES CITED. 
 
 evil 
 
 Smith 1-. Myler 
 V. Newby 
 V. Nichols 
 V. Nightingale 
 V. Nissen 
 V. Pedley 
 V. Philbrick 
 V. Pickering 
 i;. Prager 
 V. Ralston 
 V. llichmond 
 V. Roach 
 V. Robinson 
 r. Rockwell 
 
 V. Rogers 
 r. Sainsbury 
 r. Schanck 
 V. Screven 
 V. Shaw 
 V. Sheppard 
 r. Simnis 
 
 II. 609 
 
 II. 636, 646 
 
 II. 409 
 
 1.38 
 
 1. 283, 317 
 
 I. 83 
 
 I. 4.55, 459 
 
 I. 151 ; II. 5, 16 
 
 II. 465, 471 
 I. 643 
 I. -id! 
 
 I. 337, 513 
 
 I. 311 
 
 II. 261, 263, 298, 
 
 300, 302 
 
 II. 161,201 
 
 11. 477 
 
 II. 472 
 
 II. 224 
 
 I. 664 ; II. 370, 425 
 
 II. 211, 255, 285 
 
 II. 655, 662, 663 
 
 r. Smith I. 28 ; II. 154, 186, 319, 
 
 325, 326, 359, 360, 
 
 377, 546, 605 
 
 ». Spinolla II. 327, 367, 369 
 
 V. Spooner I. 89 
 
 V. Steele I. 241 
 
 V. Stephens II. 508 
 
 V. Strong II. 89 
 
 V. Talbot II. 649, 651 
 
 V. Thatcher I. 547 
 
 V. Thorne II. 466 
 
 V. Townsend II. 659 
 
 V. Van Loan I. 222 
 
 V. Walker II. 290, 295, 297, 310 
 
 V. Weld II. 559 
 
 riKvhiting I. 159, 474, 475, 476 ; 
 
 II. 4, 6 
 
 V. Wigley II. 229, 230 
 
 r. Wilson II. 154, 155, 182, 644 
 
 V. Winter I. 147 ; II. 248, 24J 
 
 V. Woodcock II. 458 
 
 V. Young II. 300, 305, 310 
 
 Smitherman v. Kidd II. 297 
 
 Sniithwick v. Anderson II. 469, 470 
 
 Smurr v. Forman I. 45 
 
 Smyley v. Head I. 244 
 
 Smyth V. Hawthorn I. 478 
 
 V. Strader I. 126; II. 440 
 
 Snaith v. Mingay 
 
 Snec V. Prescot 
 Sneed v. Hanly 
 V. Mitchell 
 V. Wiester 
 Snelgrove v. Martin 
 Snellgrove v. Baily 
 Snoddy v. Haskins 
 
 I. 49, 58; II. 10, 12, 
 
 331 
 
 I. 17 ; II. 178, 210 
 
 II. 641 
 
 II. 4 
 
 II. 200, 218, 2.30 
 
 II. 472 
 
 II. 54 
 
 II. 640 
 
 Snodgrass v. Branch Bank at Decatur 
 
 II. 286, 299 
 
 Snow V. Conant 
 V. Leathara 
 V. Peacock 
 
 V. Perkins 
 V. Perry 
 V. Sadler 
 
 Snyder v. Findiey 
 V. Riley 
 
 Soares v. Glvn 
 
 II. 608 
 
 II. 266, 271 
 
 I. 258, 260 ; II. 256, 
 
 257, 259, 271, 272 
 
 I. 476 
 
 II. 91, 98, 103, 194 
 
 II. 271, 272 
 
 II. 155, 159, 163 
 
 I. 255 
 
 II. 22 
 
 Society for Propagation of the Gospel 
 
 V. Wheeler 
 Soffe V. Gallagher 
 Sohier v. Loring 
 Solarte, Ex parte 
 V. Palmer 
 Solita V. Yarrow 
 Sollee V. Croft 
 Solly V. Forbes 
 
 V. Hinde 
 Solomon v. Gregory 
 V. Holt 
 V. Turner 
 
 II. 358 
 n. 157, 159, 182 
 
 I. 241 
 I. 530 
 
 I. 467, 469 
 
 II. 477 
 
 II. 640 
 
 I. 249 ; II. 237 
 
 I. 207; II. 521 
 
 I. 240; II. 245 
 
 II. 603 
 I. 205, 211 
 
 Solomons v. Bank of England I. 51. 226 ; 
 
 n. 42, 89, 188, 269, 270, 280, 282 
 
 v.Davfes 11.210 
 
 V. Jones II. 527 
 
 Sommerville v. Stephenson II. 502 
 
 Soome V. Gleen II. 413 
 
 Soule V. Dawes II. 471 
 
 South, Ex parte I. 336 
 
 Southall V. Rigg I. 201 
 
 South Carolina Bank v. Case I. 131 
 
 Southcot V. Watson II 88, 188 
 
 Southerland c. W^hitaker I. 236 
 
 Southern Life Insurance & Trust Co. v. 
 
 Gray II. 450, 452 
 
 Southwick V. Ely II. 437 
 
 Southwort V. Smith II. 623
 
 INDEX TO CASES CITED, 
 
 So ward v. Palmer II. 214, 624 
 
 Sowerby v. Butcher I. 94, 103 
 
 Spalding v. Bank of Susquehanna Co. 
 
 II. 304 
 
 V. Vandercook I. 209 
 
 Spangler v. McDanicl I. 548 ; II. 72 
 
 V. Pugh II. 473 
 
 Spann v. Baltzell I. 394, 466 , II. 502, 527 
 
 Sparhawk v. Buell 
 
 I. 67 
 
 Sparks v. Garrigues 
 
 II. 424 
 
 V. Pico 
 
 II. 632 
 
 Sparrow v. Chisman 
 
 I. 134 
 
 Spaulding v. Adams 
 
 II. 170 
 
 V. Evans 
 
 1.34 
 
 Speake v. Barrett 
 
 II. 639 
 
 p. United States 
 
 II. 558 
 
 Spear v. Atkinson 
 
 I. 537 ; II. 200 
 
 V. Dey 
 
 II. 607 
 
 V. Ladd 
 
 II. 8 
 
 ». Myers 
 
 I. 222 
 
 V. Pratt 
 
 I. 282, 283 
 
 Spears v. Hartley 
 
 II. 632 
 
 Speers v. Sterrett 
 
 II. 603, 606 
 
 Spencer v. Babcock 
 
 II. 610 
 
 V. Bailey 
 
 II. 171 
 
 V Ballou 
 
 II. 490 
 
 V. Bank of Salina 
 
 1.490,491,493 
 
 r. Blaisdell 
 
 II. 92 
 
 V. Harvey I. 563 
 
 570, 572, 582; 
 
 
 II. 534 
 
 V. Morgan 
 
 II. 606 
 
 V. Spencer 
 
 II. 630 
 
 V. Stirling 
 
 I. 508 
 
 ». Tilden 
 
 11.413 
 
 Sperry v. Ilorr 
 
 I. 38 
 
 Spicer v. Norton 
 
 II. 141 
 
 Spies V. Gilniore I. 450, 456; II. 120, 
 
 
 123, 52') 
 
 V. Ne^v berry 
 
 I. 471 
 
 Sjiiller V. Wcstlake 
 
 I. 203 
 
 Spindlcr v. Grellett 
 
 I. 427 
 
 Spires V. Huinot 
 
 TI. 228 
 
 Spliigerhcr v. Kohn 
 
 II. 355, 542 
 
 Spong V. Wright 
 
 11.651 
 
 Spooner v. Gardiner 
 
 I. 186, 543 
 
 V. McConnell 
 
 II. 348 
 
 S|)riitt V. llobhousc 
 
 II. 93, 94 
 
 Sprigg V. Bank of Mount 
 
 Pleasant I. 235 
 
 V. (/'uny 
 
 I. 358 ; II. 442 
 
 Spring ». Lovctt 
 
 II. 4ti7. 509 
 
 Springer v. Hutchinson II. 1 33 
 
 V. Toothaker I. 242. 246 
 
 Springfield Bank v. Merrick II. 148, 540 
 Sproat ». Matthews I. 283, 285, 301, 302, 
 328, 329, 352 
 Sproule V. Legg I. 307, 428 ; II. 342 
 
 Spurlock V. Union Bank I. 596. 601, 607. 
 
 609 
 
 Spybey ». Hide II. 210 
 
 Staats V. Howlett I. 1 30 
 
 Stackhouse v. Barnston II. 629 
 
 Stackpole v. Arnold I. 93 ; II. 519, 521 
 
 Stacy V. Baker II. 333, 33S 
 
 V. King I. 207 
 
 Stadt V. Lill II. 131 
 
 Stafford v. Rice 11. 469 
 
 r. Van Rensselaer II. 167 
 
 V. Yates I. 504 ; II. 245, 247, 459 
 
 Stahl V. Berger II. 566, 567, 574 
 
 Stainback v. Bank of Virginia I. 1 08. 
 
 109, 362, 639 
 
 V. Read I. 107, 108, 109 
 
 V. Penning II. 173 
 
 1-. Shepard II. 173, 174 
 
 Stainer v. Tysen I. 108, 109 
 
 Stalker v. M'Donald I. 224 ; II. 43 
 
 Stall V. Catskiil Bank I. 140, 141 
 
 Stam V. Kerr II. 153 
 
 Stamford Bank v. Benedict II. 228 
 
 Stamps V. Brown I. 483 
 
 Standage v. Creighton I. 615 
 
 Stanley v. Kenipton II. 415, 637 
 
 r. Westrop II. 421 
 
 Stanton v Blossom I. 414, 478, .505, 508, 
 
 537, 543; II. 214, 462 
 
 V. Eager II. 178 
 
 Stan wood v. Stan wood I. 86 ; II. 44" 
 
 Staples V. Franklin Bank I. 401,4o7, 411, 
 
 414, 415, 416, 419; II. 461 
 
 V. Okines I. 586 
 
 Ktnpleton v. Conway II. 379 
 
 Starey v. Barns II. 21 4 
 
 Stark ». Hunttn II. 42=; 
 
 Starke v Checsman I. 62, 350 
 
 Starrett ». Barber II. 224, 225 
 
 State V. Bank of Fayetteville II. 90 
 
 V. Blackw. 11 II. 640 
 
 0. Boies II 452 
 
 V. Bonney II. 588 
 
 /;. Brown II. 588
 
 INDEX TO CASES CITED. 
 
 CMX 
 
 State V. Clark 
 
 
 11. 384, 6.33 
 
 Steele v 
 
 Harmer 
 
 I. 
 
 3-25 
 
 , II. 237 
 
 V. Corpening 
 
 
 1. 47 
 
 V 
 
 Sawyer 
 
 
 
 I. 662 
 
 V. Crawford 
 
 
 II. 588 
 
 V 
 
 Spencer 
 
 
 
 II 577 
 
 V. Dulmclet 
 
 
 I. 26 
 
 V 
 
 Steele 
 
 
 
 II. 640 
 
 V. Fleming 
 
 
 II. 663 
 
 V 
 
 Towne 
 
 
 
 II. 650 
 
 V. Floyd 
 
 
 II. 586 
 
 V 
 
 Whipple 
 
 
 
 II. 411 
 
 V. Grooms 
 
 
 II. 587 
 
 Stein V. 
 
 Yglesias 
 
 I 
 
 289 
 
 ; IL 604 
 
 V. Heydcn 
 
 
 II. 588 
 
 Steinhauer v. Witman 
 
 
 
 II. 210 
 
 r. Humphreys 
 
 
 II. 583 
 
 Steinmetz v. Currey 
 
 
 
 I. 507 
 
 I". McKenzie 
 
 
 II. 588 
 
 Stephens v. Foster 
 
 
 
 II. 272 
 
 V. McLeran 
 
 
 II. 545 
 
 
 V. Graham 
 
 II. 
 
 551, 
 
 577, 581 
 
 V. Mix 
 
 
 II. 588 
 
 
 V. McNeill 
 
 
 
 II. 456 
 
 V. Morton 
 
 
 II. 586 
 
 
 V. Wilkinson 
 
 
 
 I. 206 
 
 27. Polke 
 
 
 II. 559 
 
 Stephenson i>. Dickson 
 
 
 I. 
 
 511, 512 
 
 V. Purcell 
 
 
 II. 663 
 
 
 V. Doe 
 
 
 
 II. 634 
 
 V. Richmond 
 
 
 I. 68 
 
 
 V. Heyland 
 
 
 
 I. 222 
 
 r. Swope 
 
 
 II. 384, 633 
 
 
 V. Primrose 
 
 I. 
 
 482, 
 
 487, 489, 
 
 V. Taylor 
 
 
 11.410 
 
 
 
 
 
 562, 569 
 
 V. Tindal 
 
 
 II. 588 
 
 
 V. Roper 
 
 
 
 II. 301 
 
 V. Weaver 
 
 
 II. 588 
 
 Steptoe V. Harvey 
 
 
 
 II 406 
 
 Ex rel. Commissioners 
 
 V. Van 
 
 Sterling 
 
 V. Bender 
 
 
 
 II. 437 
 
 Pelt 
 
 
 II. 560 
 
 
 V. Marietta, &c. 
 
 Trading 
 
 Co. 
 
 Bank v. Aersten 
 
 
 II. 100, 312 
 
 
 II. 209, 
 
 242, 
 
 245, 
 
 443, 459 
 
 V. Ayers 
 
 
 I. 480, 497 
 
 Sterry v. Robinson I 
 
 350 
 
 , 351 
 
 ; II. 463 
 
 V. Bowers 
 
 
 I. 656 
 
 Stetson 
 
 V. E.\ehange Bank 
 
 
 II. 613 
 
 V. Byrd 
 
 
 II 632 
 
 Stettheimer v. Meyer 
 
 
 
 L 222 
 
 V. Coquillard 
 
 
 II. 406, 428 
 
 Stevens 
 
 V. Austin 
 
 
 
 II. 207 
 
 r. Cowan 
 
 
 II. 412, 422 
 
 
 V. Barringer 
 
 
 
 IL 397 
 
 V. Fearing 
 
 
 II. 212 
 
 
 V. Beals 
 
 
 
 LSI 
 
 V. Hennen 
 
 
 I. 488, 499 
 
 
 V. Blen 
 
 
 
 II. 605 
 
 v.HurdI.369 
 
 ,42 
 
 5; 11.1.52,516 
 
 
 V. Blunt 
 
 
 
 L 40 
 
 V. Napier 
 
 
 I. 43G, 437 
 
 
 V. Boraar 
 
 
 
 IL 637 
 
 V. Rodtjers 
 
 I 
 
 656 ; II. 434 
 
 
 i;. Bruce 
 
 
 
 I. 264 
 
 T. Seawell 
 
 
 11. 635 
 
 
 V. Campbell 
 
 
 
 L221 
 
 V. Slaughter 
 
 
 I. 483, 502 
 
 
 V. Davis 
 
 
 II 
 
 407, 410 
 
 V. Smith 
 
 
 I. 393 
 
 
 V. Foster 
 
 
 
 II. 634 
 
 V. Van Horn 
 
 
 11.88 
 
 
 V. Gaylord 
 
 
 
 I. 162 
 
 V. Watkins 
 
 
 I. 238 
 
 
 V. Jackson 
 
 
 
 I. 71 
 
 *" V. Wilson 
 
 
 II. 245 
 
 
 V. Lincoln 
 
 
 
 IL418 
 
 of Indiana v. 
 
 Ha 
 
 ves I. 641 
 
 
 V. Lloyd 
 
 
 
 IL 565 
 
 of Arkansas v. Ban 
 
 k of Wash- 
 
 
 V. Lynch I. 246, 
 
 596, 
 
 S07, 623 ; 
 
 ington 
 
 
 II. 52 
 
 
 
 
 II. 
 
 249, 467 
 
 Illinois V. Delafield 
 
 U. 35 
 
 
 V. Mclntire 
 
 
 
 L 212 
 
 Steadman v. Duhamel 
 
 
 I. 57 ; IX. .130 
 
 
 V. The Sandwich 
 
 
 IL 171 
 
 Stearns v. Burnham II 
 
 6, 
 
 354, 373, 374 
 
 
 V. Strang 
 
 
 L33 
 
 ; IL 592 
 
 V. Wrisley 
 
 
 I. 260 
 
 
 V. Thacker 
 
 I 
 
 327 
 
 ; II. 597 
 
 Stebbing v. Spicer 
 
 
 II. 4, 480 
 
 Stevenson v Austin 
 
 
 
 I. 245 
 
 Stedman v. Gooch I. 435 
 
 ; II. 85, 154, 
 
 
 V. Unkefer 
 
 
 II. 
 
 413, 428 
 
 155, 184, 
 
 186, 217, 492 
 
 Stewart 
 
 » Ahrenfeldt 
 
 
 
 I. 196 
 
 Steel V. Steel 
 
 
 II. 612 
 
 
 V. Allison 
 
 
 
 L641
 
 ex 
 
 INDEX TO CASES CITED. 
 
 Stewai-tu. Anderson 
 
 
 II 
 
 51, 610 
 
 Storms V. Thorn 
 
 
 L 246 
 
 r. Desha 
 
 
 
 I. .544 
 
 Stothart v. Parker 
 
 
 I. 530 
 
 V. Eden I. 362, 
 
 441, 
 
 449, 
 
 490, 501 
 
 Stott V. Alexander 
 
 
 I. 508 
 
 V. EUice 
 
 
 
 II. 377 
 
 Stoughton V. Dimick 
 
 
 II. 636 
 
 V. Kennett 
 
 
 
 I. 504 
 
 V. Lynch 
 
 
 IL 425 
 
 V. Lee 
 
 
 
 IL 65 
 
 V. State 
 
 
 IL 537 
 
 V. Marston 
 
 
 
 n. 641 
 
 Stout V. Ashton 
 
 II. 
 
 247, 297 
 
 V. Small 
 V. Spedden 
 V. Stewart 
 
 
 
 L 222 
 II. 645 
 
 L 196 
 
 V. Benoist 
 
 V. Cloud II. 
 Stow V. Yarwood 
 
 550, 
 
 IL 596 
 
 552. 566 
 
 II. 616 
 
 r. Vaughan 
 
 
 
 I. 243 
 
 Stowe V. Col burn 
 
 I. 
 
 309, 430 
 
 Stickney v. Clement 
 Stierneld v. Holden 
 Stillwcll V. Bobb 
 
 
 
 II. 604 
 IL 43 
 L 311 
 
 V. Hubbard II. 444 
 Strader v. Batchelor I. 44, 394 ; IL 68 
 Strafford Bank v. Crosby I. 240 ; II. 
 
 Stinson v. Brennan 
 Stipp V. Brown 
 
 
 
 I. 243 
 
 IL 633 
 
 Straker v. Graham I. 59, 
 
 268, 
 
 240, 533 
 269, 340, 
 
 Stivers ». Prentice 
 
 I. 
 
 366, 
 
 422, 516 
 
 
 
 343, 345 
 
 Stock V. Harris 
 
 
 
 IL315 
 
 Strang v. Wilson 
 
 
 IL 469 
 
 Stockbridge v. Damon 
 
 I. 
 
 264 
 
 ; IL 604 
 
 Strange v. Ellison II. 37 
 
 181, 
 
 187, 600 
 
 Stocken r. Collin (7 M. 
 
 & W.) 
 
 I. 468, 
 
 V. Lee 
 
 
 II. 229 
 
 
 
 469, 
 
 478, 513 
 
 V. Price 
 
 I. 
 
 468, 469 
 
 r. Collins (9 Car. & P.) 
 
 L 485 
 
 V. Wigney I. 258 
 
 ; n. 
 
 257, 259, 
 
 Stockett V. Sasser 
 
 II. 
 
 648, 
 
 649, 650 
 
 
 
 271 
 
 Stocking V. Fairchild 
 
 
 
 II. 535 
 
 Stranger v. Searle 
 
 
 IL 476 
 
 Stocklev V. Clement 
 
 
 
 IL 257 
 
 Stratton v. Mathews 
 
 II 
 
 458, 466 
 
 Stockman v. Parr 
 
 
 I 
 
 472, 475 
 
 Straus V. p]agle Ins. Co. 
 
 
 IL 610 
 
 Stocks V. Van Leonard 
 
 
 
 II. 640 
 
 Strawbridge v. Robinson 
 
 
 L 58 
 
 Stockton V. Graves 
 
 
 
 IL 619 
 
 Strawn v. Hook 
 
 
 IL 655 
 
 Stoddard v. Doane 
 
 II. 
 
 646, 
 
 651, 660 
 
 Streater v. Bank of Cape F 
 
 ear 
 
 IL 260, 
 
 V. Kimball 
 
 
 U 
 
 . 44, 494 
 
 
 
 261, 313 
 
 Stoessiger v. Southeastern Railway Co. 
 
 Stribbling v. Bank of the 
 
 Valley 
 
 
 
 
 IL316 
 
 
 
 11 408 
 
 Stokes V. Brown 
 
 
 
 L76 
 
 Strithorst v, Graeme 
 
 
 IL 635 
 
 V. Forman 
 
 
 
 II. 615 
 
 Strohccker v. Cohen 
 
 
 I. 299 
 
 Stone, Ex parte 
 
 
 
 II. 613 
 
 Strong V. Farmers & Mechanics' 
 
 Bank 
 
 V. Chamberiin I 
 
 1-16 
 
 ; n 
 
 160, 200 
 
 
 
 IL621 
 
 V. Compton 
 
 
 
 L236 
 
 V. Foster I. 229, 
 
 234, 
 
 237,326 ; 
 
 V. Hubbard 
 
 
 
 IL 448 
 
 
 II 
 
 . 502, 515 
 
 V. Marsh 
 
 
 
 IL 82 
 
 V. Hart 
 
 II 
 
 . 155, 184 
 
 V. Mctcalf 
 
 
 II. 
 
 474, 578 
 
 V. Hiker 
 
 
 II. 124 
 
 V. Seymour 
 
 II 
 
 22.3, 
 
 227, 228 
 
 Strother v. Lucas 
 
 
 II. 3-24 
 
 V. Sprague 
 
 
 
 II. 623 
 
 Strykcr v. Vanderbilt 
 
 
 1 1. 529 
 
 V. Vance 
 
 
 
 II 469 
 
 Stuart V. Bute 
 
 II. 89,92, 188 
 
 Stoner v. Ellis 
 
 
 II 
 
 472, 578 
 
 r. Grecnloaf 
 
 
 II. 9, 357 
 
 Stones ■. Butt 
 
 
 
 IL 441 
 
 V. Kirkwall 
 
 
 I. 79 
 
 Stcney v. Bcnnbien 
 
 
 
 11 121 
 
 Stubbs V. Goodall 
 
 
 IL 521 
 
 Siorcr. Ex parte 
 
 
 n. 
 
 639, 647 
 
 Stuckcrt V. Anderson 
 
 I 
 
 . 371, 492 
 
 V. Coe 
 
 
 II. 
 
 410, 414 
 
 Stump ». Napier 
 
 
 II 469 
 
 V. Lfigan I. 28S 
 
 , 294, 2'J€ 
 
 ; II. 466 
 
 Sturdivant v. Hull 
 
 
 1. .'u; 
 
 Storm r. Stirling 
 
 
 
 I. 34, 35 
 
 Sturdy v. IIciKicrsun 
 
 I 40 
 
 7; 11. 64-1
 
 INDEX TO CASES CITED. 
 
 CXI 
 
 Sturges V. Crowninsliiekl II. 322, 326, 
 
 359,361, 362,364,381,383 
 
 V. Derrick I. 492, 528 
 
 V. Smith II. 608 
 
 Sturtevant v. Ford II. 29 
 
 V. Randall II. 125 
 
 Styles V. Wardle I. 386, 387 
 
 Sublette v. Tinney II. 639. 640 
 
 Succession of Dolhonde I. 222 
 
 Sucklev V. Furse I. 152, 216 
 
 Suffolk Bank v. Worcester Bank II. 394 
 
 Sullivan v. Deadman I 638 
 
 B.Mitchell 1.311,432 
 
 Sully V. Frean I. 209 
 
 Sumner v. Brady I. 216 
 
 V. Ford I. 310, 429 
 
 Susquehanna Bridge, &c. Co. v. Evans 
 
 II. 519 
 
 Sussex Bank v. Baldwin I. 357, 358, 359, 
 
 421, 425, 470, 511, 512,513, 514, 
 
 516, 589, 596, 600, 601,604, 619 
 
 Sidney College ?'. Davenport I. 171 
 
 Sutcliffe V. M'Dowell I. 539, 540, 546, 
 
 552, 584; II. 59 
 
 Sutor V. Sheeler II. 651 
 
 Sutton V. The Albatross II. 161, 172, 
 
 176, 177 
 
 V. Gregory I. 641 ; II. 495 
 
 r. Toomer II. 549, 565, 573, 644 
 
 V. Warren I. 88 ; II. 447 
 
 Suydam v. Barber I. 251 ; II. 375 
 
 V. Bartle II. 410 
 
 V. Vance I. 240 ; II. 245 
 
 V. Westfall II. 410, 433 
 
 Swain V. Ettling II. 494 
 
 Swan V. Chandler I 215 
 
 V. Cox I. 301, 302; II. 517 
 
 V. Steele I. 127, 137 
 
 Swansey v. Breck I. 303 
 
 Swartwout v. Payne II. 417 
 
 Swasey v. Vanderheyden I. 68, 69 
 
 Swayne v. Wallinger II. 631 
 
 Sweat V. Hall I. 89 ; II. 447 
 
 Sweet V. James II. 176 
 
 Sweeting v. Fowler I. 35 ; II. 4, 480 
 
 V. Halse I. 328 ; II 565, 568 
 
 Sweetser v. French I. 29, 125, 127, 140, 
 
 141, 142, 279; II. 43 
 
 Swetland v. Crcigh I. 47 
 
 Swett c. Dodge II. 372, 376 
 
 Swift r. Beers 
 
 n. 107 
 
 V. Crocker 
 
 I. 244 
 
 V. Ellsworth 
 
 II. 438 
 
 V. Stevens 11.293,297,305 
 
 J06, 307 
 
 r. Tyson 1.221,223,2. 
 
 ' ; II. 43 
 
 Swinyard v. Bowes 
 
 I. 503 
 
 Sydnor v. Gascoigne 
 
 I. 639 
 
 Sykes v. Lewis 
 
 II. 610 
 
 Sylvester v. Crapo I. 264 
 
 265, 269. 
 
 
 r.77, 378 
 
 ». Downer II. 121, 12.' 
 
 , '40 348 
 
 V. Staples 
 
 II, 501 
 
 Symonds v Atkinson 
 
 11 293 
 
 V. Cockerill 
 
 h 413 
 
 Taber v. Cannon 1. 93, llf 
 
 Taft V. Sergeant 7 67, 73, 76 
 
 Tagart v. Indiana II. 635 
 
 Talbot V. Bank of Rochester I. 321, 322 ; 
 
 II. 485 
 
 V. Clark I. 510, 515 ; II. 468 
 
 V. Gay II. 118, 137 
 
 Talleyrand r.Boulanger II. 319,356, 367 
 
 Talliaferro v. King II. 425 
 
 Talmage v. Burlingame II. 246 
 
 Tankersley v. Graham 11. 520, 521 
 
 Tanner v. Bean I. 426 ; 11. 473 
 
 V. Hall I. 126 
 
 V. Smart II. 648, 652, 660 
 
 Tapley v. Martens II. 86, 155 
 
 Tappan v. Bailey I. 116 
 
 V. Ely II. 146, 543, 545 
 
 V. Kimball II. 658 
 
 V. Poor II. 326 
 
 Tarbell v. Sturtevant I. 192 ; II. 437 
 
 Tarin v. Moiris II. 458 
 
 Tarleton v. Allhusen II. 155, 232 
 
 V. Shingler II. 565 
 
 Tartar, The II. 174 
 
 Tarver v. Nance I. 464, 538, 542, 550 
 
 Tassell r. Cooper II. 64 
 
 V Lee II. 71 
 
 r. Lewis 1.391,401,402; IL41,45 
 
 Tate V. Garland II. 636 
 
 V. Ililbert I. 178, 287 ; IL 56, 61, 82, 
 
 210 
 Tate V. Wellings II. 409
 
 cxn 
 
 INDEX TO CASES CITED. 
 
 Tallock J. Harris I. 32, 336 ; II. 50, 51, 
 
 585, 592 
 Taunton Bank v. Richardson I. 585, 589 ; 
 
 II. 516 
 
 Tayloe v. Riggs II. 305 
 
 V. Sandiford II. 222. 223 
 
 Taylor's Case (1 Car. & K.) II. 69 
 
 (1 Leacli) II. 585 
 
 TavW V. Bank of III. I. 497, 643, 647 
 
 V Bates I. 334 
 
 V. Beck I. 237 ; II. 469 
 
 r. Briggs II. 155, 184 
 
 V. Croker I. 70, 321 ; II. 3, 482, 
 
 484 
 
 V. Dobbins I. 23 
 
 V. French I. 572, 575, 582, 589 ; 
 
 II. 68 
 
 r. Gallaud I. 247 
 
 V. Heriot I. 244 
 
 V. Higgins II. 487 
 
 V. Jacoby I. 385, 415 ; II. 461 
 
 T. Jones I. 596, 614, 623; II. 497 
 
 T. Kinlock I. 41 
 
 V. Kymer II. 220 
 
 V. Luther II. 468 
 
 V. McLean I. 99 
 
 V. Moseley IL 577, 579 
 
 V. Okey II. 605 
 
 V. Patrick I. 196 
 
 V. Phelps II. 387 
 
 V. Rymer IL 222 
 
 V. Snyder I. 441, 449, 450, 451, 
 
 454, 456 
 
 V. Spivey II. 650 
 
 V. Stcdman II. 652 
 
 V. Talbot IL 223 
 
 V. Wilson IL 68, 85, 86 
 
 V. Young I. 523, 524 ; IL 71 
 
 Tazewell v. Whittle II. 649 
 
 Teague'.s Case II. 583, 586 
 
 Tcague v. Hubbard I. 1 37 
 
 Teal V. Ayrcs II. 636 
 
 Tcall r. Felton IL 315 
 
 Teaz V. Chrystie II. 150, 151, 169 
 
 TcbbetLs v. Dowd I. 596, 607, 612, 613, 
 
 621, 622, 623 
 
 Teed V. El worthy I. 66 
 
 TcmpcHt V. Ord IL 182 
 
 Temple v. Gove H. 302 
 
 V. Pullen I. 112, 113, 290; II. 12 
 
 Temple v. Seaver L 145 
 
 Templin v. Krahn II. 291, 304, 307, 448 
 
 Ten Eyck v. Brown IL 133, 138 
 
 V. Vanderpoel I. 198 
 
 V. Wing II. 649 
 
 Tennant v. Strac-han I. 361 ; II. 210 
 
 Tenney v. Prince IL 121, 124, 131 
 
 Tercese v. Geray II. 297, 302 
 
 Terrel ». Townsend 11.519 
 
 Terry v. Fargo I. IIG 
 
 V. Parker I. 463, 534, 537, 557 
 
 Texira v. Evans II. 3G 
 
 Thacher v. Dinsmore I. 90, 161, 196; 
 
 IL 150, 151, 152 
 
 Thackray v. Blackett L 528, 534, 546 ; 
 
 n. 260, 261 
 
 Thame v. Boast II. 217 
 
 Thames Haven Dock,&c. Co. v. Hall I [. 453 
 
 Thatcher v. Winslow II. 437, 44 3 
 
 Thayer v. Buffum L 137 ; IL 440 
 
 V. Grossman II. 467, 469, 470 
 
 V. King n. 294, 295, 297, 303 
 
 Theobald v. Colby IL 619 
 
 V. Stinson II. 647 
 
 Thetford v. Hubbard IL 621 
 
 Thibodeau v. Patin II. 248 
 
 Thicknesses. Bromilow I. 130 
 
 Thimbleby v. Barron II. 237, 241,532 
 
 Thing V. Libbey I. 72, 75 
 
 Thomas v. Bcckman II. 377 
 
 V. Bishop I. 93, 103 
 
 V. Black IL 634 
 
 V. Brinsfield IL 629 
 
 V. Dow I. 241 
 
 V. Fen ton I. 551 ; II. 72 
 
 V. Eraser I. 251 
 
 V. Hill IL 612 
 
 V. Mason II. 416 
 
 V. Mayo I. 57 <? 
 
 V, Newton I. 1S6 
 
 r. Page II. 523 
 
 V. Shoemaker I. 384, 396, 411 
 
 V. Todd IL 38, 91, 101, 102, 
 
 103, 10.5, 189, 190, 600, 601 
 
 V. Woods II. 139 
 
 V. Young IL 618 
 
 Tliomason v. (^dum II. 634 
 
 Tbomasson v. Boyd I. 75 
 
 Thomes v. Cleaves II. 417 
 
 Thompson's Case II. \T'
 
 INDEX TO CASES CITED. 
 
 CXlll 
 
 Thompson v. Armstrong I. 188 
 
 i;. Briggs II. 154, 161, 201 
 
 V. Brown II. 229, 231 
 
 r. Carroll I. 260 
 
 V. Cartwright II. 443 
 
 V. Clubley II. 27 
 
 V. Cook I. 309 
 
 V. Crutcher I. 228 
 
 V. Dominy ii. 34, 116 
 
 r. Emery II. 46, 50, 51, 
 
 52, 53 
 
 V. Finden II. 179 
 
 ». Fisher II. 647 
 
 t>. Flower I. 358 ; II. 453 
 
 V. Giles II. 43 
 
 V. Gilreath II. 662 
 
 V. Gordon II. 641 
 
 V. Hale I. 264, 273 
 
 V. Jones II. 414 
 
 V. Ketcham I. 381, 424 ; II. 
 
 320, 325, 333, 350, 376, 
 
 379, 504, 532 
 
 ». Lay I. 74, 76 
 
 r. McClelland II. 603 
 
 V. Mosely II. 579 
 
 ». Nesbit 11.406,412 
 
 V. Percival I. 135 ; II. 199, 
 
 202, 218 
 
 V. Peter II. 659 
 
 r. Pitman II. 83, 84 
 
 V. Powles II. 377 
 
 ». Rawles II. 530 
 
 r. Shepherd II. 27, 29, 493 
 
 V. Sloan I. 46 
 
 V. State II. 588 
 
 V. Thompson I. 244 
 
 V. Wilson II 6, 374 
 
 V. Woodbridge II. 414, 418 
 
 Thomson v. Davenport II. 179 
 
 Thorn v. Rice I. 484, 496 
 
 Thorndike v. Stone II. 173, 174, 413 
 
 Thome v. Smith II. 199 
 
 Thornton v. Appleton II. 555 
 
 V. Bank of Washington II. 421 
 
 V. Crisp II. 649 
 
 ». Crowther 11.49,518 
 
 r. Dick I. 49, 291 
 
 r. Illingworth I. 72 
 
 ». Rankin I. 90 
 
 V. Wynn I. 205, 595, 605, 618 
 
 Vol. I.— H j* 
 
 Thorp V. Raymond 
 
 II. 637 
 
 Thorpe v. Booth 
 
 n. 644 
 
 V. Peck 
 
 I. 5IS 
 
 V. White 
 
 I. 197 
 
 Thrall v. Newell U. 37, 38, 39, 600 
 
 Thrasher r. Ely II. 137 
 
 Thrower v. Cnreton II. 640 
 
 Thrupp ». Fielder I. 74 
 
 Thurman v. Van Brunt II. 73, 74, 83 
 
 Thursby v. Gray I. 237 
 
 Thurston v. Blanchard I. 70 ; II. 151, 206 
 
 V. Lloyd I. 128 
 
 V. Lowder II. 640 
 
 V. M'Kown I. 264, 377 
 
 V. Mauro I. 96 
 
 Thwaites v. Richardson II. 477 
 
 Tickner v. Roberts 1. 601, 620, 635 ; 
 
 II. 319, 342 
 
 Ticonic Bank v. Johnson II. 421 
 
 V. Stackpole I. 635, 642, 644 
 
 Tidmarsh v. Grover II. 547 
 
 Tiernan v. Jackson I. 330 
 
 Tiley v. Courtier II. 91, 188 
 
 Tiller v. Shearer II. 125 
 
 Tillett V. Commonwealth II. 652 
 
 Tillier v. Whitehead I. 106 
 
 Tillinghast v. Nourse II. 655, 657 
 
 Tillotson V. Grapes 1. 210 
 
 V. Preston II. 397 
 
 V. Rose II. 638 
 
 Tillou V. Britton 1. 230 ; II. 617, 620 
 
 V. Clinton & Essex Mat. Ins. 
 
 Co. II. 577 
 
 Timmins i;. Gibbins II. 96, 104, 106, 191, 
 
 192 
 Timms v. Delisle I. 483 
 
 Tindal v. Brown I. 269, 471, 503, 507, 509, 
 533, 629, 630 ; II. 239, 249, 490 
 r. Taylor II. 34 
 
 Tindall v. Childress II. 301 
 
 Tinker v. McCauley I. 44 ; II. 133 
 
 Tinitum v. Duncan II. 139 
 
 Tinnen v. Mebane II. 629, 630, 640 
 
 Tinsley v. Beall II. 604 
 
 Tinson v. Francis II. 230 
 
 Tippets V. Heane II. 654 
 
 Tisdale v. Mitchell II. 641 
 
 Titcomb v. Thomas II. 53, 453 
 
 Titford V. Knott II. 477 
 
 Tittle V. Thomas I. 34
 
 CXIV 
 
 INDEX TO CASES CITED. 
 
 Titus r. Hobart II. 327, 367 
 
 Tobey v. Barber II. 155, 162, 182, 217, 365 
 V. Lennig I. 476 
 
 Toby V. Mauriaa I. 364 
 
 Todd V. Stafford II. 470 
 
 V. Todd II. 647 
 
 Tolbert v. Harrison II. 233 
 
 Tombeckbe Bank v. Stratton II. 250 
 
 Tombeckbee Bank v. Dumell I. 146, 
 
 148, 312 
 
 Tomkins v. Ashby I. 25 
 
 Tomlin v. Lawrence (3 Moore & P.) I. 201 
 
 Tomlins v. Lawrence (6 Bing.) 11. 564 
 
 Tomlinson v. Gill IL 132 
 
 V. Spencer II. 471 
 
 Tompkins v. Brown II. 652 
 
 Toms V. Powell II. 458 
 
 Tooke V. Hardeman • II. 629 
 
 V. Hollingworth II. 164 
 
 Tooker v. Bennett I. 249 
 
 Toosey v Williams II. 496 
 
 Tootell, Ex parte I. 39 
 
 Tophara v. Braddick IL 644 
 
 r. Chapman II. 360 
 
 Toppan V. Jenness II. 616 
 
 Torrey v. Baxter II. 1 53 
 
 V. Fisk IL 567 
 
 V. Foss L 558; IL 291, 296, 
 
 303, 307 
 
 V. Grant IL 420 
 
 Toulmin v. Price II. 287 
 
 Touro i;. Cassin II. 318 
 
 Tousey v. Robinson II. 406 
 
 Tower v. Appleton Bank II. 308 
 
 V. Durell L 595, 620 
 
 Townend v. Downing II. 466 
 
 Townley v. Crump II. 165, 166 
 
 Towns V. Mead IL 634 
 
 Townsend v. Bush II. 419, 469 
 
 V. Cowles IL 138 
 
 i;. Deacon IL 635 
 
 r. Derby I. 193, 228 
 
 r. .Jemison 11.381,383 
 
 r. Lorain Bank I. 470, 472, 
 
 476,477 
 
 V. Kiddle L 236, 237; IL 515 
 
 Townsley r. S[)ring(r I. 510 
 
 r. Sum rail 1.221,298,337, 
 
 634, 635 ; IL 342 
 
 Fowson r. Havre de Grace Bank II. 92 
 
 Tracy v. Pearl II 153 
 
 r. Wikoff II. 220 
 
 Trapp V. Spearman II. 547, 582 
 
 Trasher v. Everhart II. 320, 366, 368 
 
 Trask v. Mai •a I. 405, 406 
 
 V. Roberts I. 99 
 
 V. Vinson I. 204, 210 
 
 Treadway v. Drybread II. 244 
 
 Treadwell v. Moore II. 653 
 
 Treat v. Cooper II. 147 
 
 V. Stanton II. 425 
 
 Treble's Case II. 547, 585 
 
 Trecothick v. Edwin I. 307, 428 
 
 Tredick v. Wendell I. 367 
 
 Trenthan v. Deverill IL 663 
 
 Trent Navigation Co. v. Harley II. 247 
 
 Treon v. Brown II. 469, 498 
 
 Treswaller v. Keyne II. 235 
 
 Treuttel v. Barandon 1. 17 ; IL 22, 29, 
 
 43, 210, 43.N 
 
 Trickey v. Lame I. 208 
 
 Trigg V. Drew II. 620 
 
 V. Taylor IL 549, 573, 577 
 
 Triggs V. Newnham I. 418, 420, 641 
 
 Trimbey r. Vignier I. 642 ; IL 318, 325, 
 
 326, 329, 336, 346, 354, 355, 368, 374 
 
 Trimble v. Thome I. 596, 601, 604, 619, 
 
 623, 624 ; II. 242, 243, 244, 248, 
 
 459, 497 
 
 Triplett r. Hunt 1.504,513,515 
 
 Tripp V. Swanzey Paper Co. I. 95, 118 
 
 Trotter v. Crockett II. 160, 218 
 
 ». Curtis II. 410, 433 
 
 Troutman v. May II. 663 
 
 Trowel v. Castle IL 576 
 
 Troy City Bank r. Lauman II. 484 
 
 True V. Andrews II. 657 
 
 V. Collins I. 486 
 
 r. Fuller IL 133 
 
 V. Thom.i8 II. 71, 87 
 
 Trueman v. Hurst I. 68 
 
 Truesdcll v. Callaway II. 1 67 
 
 Truett ». Chaplin 1.199 
 
 Trumball v Tilton II. 655 
 
 Trundy v. Farrar I. 100 
 
 Truscott V. Davis II. 427 
 
 Trust, Ex parte II. 309 
 
 Trustees, &c. v. Kcndrick II. 151 
 
 in Fryeburg v. Osgood 
 
 II. 656
 
 INDEX TO CASES CITED. 
 
 CXV 
 
 Trustees, &c. in Hanson v. Stetson II. 512 
 of Ministerial and School Fund 
 
 in Levant v Parks II. 450 
 
 of Schools V. Wright II. 168 
 
 Tryoni;. DeHay II. 120 
 
 V. Hart I. 248 
 
 V. Oxley I. 273 ; II. 74 
 
 Tubb V. Madding II. 569 
 
 Tuck V. Tuck 11. 602 
 
 Tucker v. English I. 26 
 
 V. Maxwell I. 45 
 
 V. Morrill I. 189 
 
 V. Pruett II. 453 
 
 ». Randall II. 463 
 
 V. Wilamouicz II. 419, 467 
 
 Tuckerman v. Hartwell I. 31 1, 433, 434 
 
 V. Newhall I. 247 ; II. 237 
 
 Tuft's Case I. 32 ; II. 585 
 
 TuUock V. Dunn II. 659 
 
 Tummer v. Oddie I. 291 
 
 Tunno v. Lague I. 505, 531 
 
 Tunstall v. Walker I. 490, 494 
 
 Tupper V. Powell II. 416 
 
 TumbuU V. Freret I. 156 
 
 V. Gadsden II. 640 
 
 V. Strohecker II. 617 
 
 V. Trout II. 7, 23, 131, 521 
 
 Tamer v. Billagram II. 572 
 
 V. Brown I. 192 
 
 V. Davies II. 254, 537 
 
 V. Greenwood I. 643 
 
 V. Hayden I. 309, 329, 426 
 
 V. Hickey II. 162 
 
 V. Leach (Chitty on Bills) I. 532 
 
 V. Leech (4 B. & Aid.) I. 504, 
 
 514, 532 
 
 ». Miller II. 424 
 
 V. Rogers I. 637, 640, 644 
 
 V. Ross II. 658 
 
 V. Shearer II. 636 
 
 V. Smith II. 640 
 
 V. Stones IL 96, 97, 103, 104, 
 
 183, 187, 191, 192, 194 
 
 Tumey v. Dodwell II. 655 
 
 Turpin's Case II. 82 
 
 furpin V. Povall II. 416 
 
 V. Thompson II. 54 
 
 Tuthill V. Davis II. 467, 470 
 
 Tutt V. Hobbs I. 98 
 
 Tattler. Bartholomew II. 53, 133, 135, 136 
 
 Tattle V. Clark 
 
 IL 4H 
 
 V. Cooper 
 
 L 249 ; II. 481 
 
 V. Fowler 
 
 L 86 
 
 V. Mayo 
 
 IL 94 
 
 Twine's Case 
 
 11.45 
 
 Twopenny v. Young L 245, 249 ; II. 246 
 
 Tye V. Gwynne L 207, 212 
 
 Tylee v. Yates II. 107 
 
 Tyler v. Binney IL 53, 133, 135, 485 
 
 V, Stevens II. 132 
 
 V. Trabue II. 320 
 
 V. Young L 210, 268 
 
 Tyson v. Britton II. 646 
 
 V. Rickard II. 407 
 
 u. 
 
 Ubsdell V. Cunningham I. 39 
 
 Udal V. Walton II. 82 
 
 Ulea V. Kittredge IL 124, 131, 521 
 
 Ulster Co. Bank v. McFarlan I. 294, 296, 
 298, 299; IL 109 
 Underwood ?. Simonds IL 511, 526,532, 
 
 535 
 
 Union Bank v. Brown I. 497 
 
 V. Carr II. 564 
 
 V. Ellicott II. 91 
 
 V. Fowlkes I. 639, 646 
 
 V. Grimshaw I. 504, 596, 
 
 598, 600, 622 
 
 V. Hall II. 247 
 
 V. Hyde I. 499, 576, 582, 
 
 642, 643, 647 ; II. 329, 
 
 499, 516 
 
 V. Lea L 499 
 
 V. Magruder I. 591 
 
 V. Osborne II. 301 
 
 V. Stoker L 497 
 
 V. Warren IL 298, 299, 301 , 
 
 313 
 
 V. Willis L363; IL 121, 
 
 124, 520 
 
 of La. V. Coster II. 109, 132, 
 
 140 
 
 of Tenn. v. Smiser II. 153 
 
 U. S. V. Bank of the Metropolis I. 44 
 
 V. Barker L 152, 216, 337, 343, 
 
 346, 358, 487, .509, 510, 513, 531 ; 
 
 IL 30, 32, 220, 442, 452
 
 CXVl 
 
 INDEX TO CASES CITED. 
 
 O. 0. V Boice 
 
 V. Bradbury 
 V. Britton 
 75. Buford 
 V. Foye 
 V. Hodge 
 
 II. 452 
 
 II. 222, 227, 228 
 
 II. 292 
 
 II. 45 
 II. 588 
 
 I. 245 
 
 V. Kirkpatrick II. 224, 226, 227, 
 
 228, 230 
 
 0. La Jeune Eugenie II. 318, 321 
 
 V. Leffler 11. 468 
 
 V. Linn IL 553, 577, 580 
 
 V. Prentice II. 620 
 
 V. Simpson L 237 
 
 V. Spalding II. 574 
 
 V. Thompson I. 247 ; II. 503 
 
 V. U. S Bank II. 590 
 
 V. Wardwell II. 225 
 
 c. White I. 33 ; II. 45 
 
 V. Williams II. 605, 663 
 
 0. S Bank v. Bank of Georgia II. 99, 
 
 186, 188, 195, 196, 203, 
 
 285, 594, 596, 599, 600 
 
 v. Binney L 132, 133 
 
 ». Chapin IL 371 
 
 V. Davis I. 514 
 
 V. Donnally II. 354, 356, 366 
 
 V. Fleckner I. 173 
 
 V. Goddard I. 515 
 
 V. Owens II. 434 
 
 v. Sill IL 100, 258,312,314 
 
 r. Smith 1309,311 
 
 r. Southard I. 596, 601, 606, 
 
 612, 619 
 
 U. S. Trust Co. V. Harris IL 614 
 
 Opham V. Lefavour II. 228 
 
 ». Prince IL 53, 135 
 
 Upstone V. Marehanl II. 550 
 
 Upton I'. Ferrers II. 393 
 
 V. Starr II. 452 
 
 Urquhart y. Taylor I. 156 
 
 Usborn v. Larkin II. 522 
 
 Usher V. Dauncey I. 145 ; II. 11, 13 
 
 e. Gaithcr II. 207 
 
 Uther V. Rich L 258 ; II. 28, 187, 272, 
 
 273, 274 
 
 Utica Bank r. Ganaon II. 445 
 
 Ins. Co. V. Bioodgood II. 421 
 
 T. Kip 1.217 
 
 V. Tillman II. 412 
 
 V. 
 
 Vail V. Foster II. 15S, 160, 168, 169 
 
 Vain V. Whittington IL 286 
 
 Vairin v. Ilobsoa II. 275, 277 
 
 Valentine v. Farrington I. 237 
 
 ■e. Packer I. 100 
 
 Valette v. Mason I. 223 
 
 Valk V. Bank of South Carolina I. 499 
 
 V. Gaillard I. 500 
 
 V. Simmons I. 537, 544, 548, 549, 
 
 647; IL71 
 
 Vallett V. Parker I. 50, 51, 279 ; IL 480 
 
 Van Alstyne v. Van Slyck I. 251 
 
 Vanauken v. Hornbeck IL 287, 293, 298, 
 
 309 
 
 Van Benschooten v. Lawson II. 425 
 
 Van Bibber v. Louisiana Bank II. 592 
 
 Van Brunt v. Van Brunt IL 574 
 
 Van Buren v. Webster IL 648 
 
 Vance v. Collins 11. 465, 488 
 
 v. Depass I. 492 
 
 V. Funk II. 480 
 
 V. Ward L 294 
 
 V. Wells I. 79 
 
 Van Cleef v. Therasson IL 342, 365 
 
 Vander Donckt v. Thelluson I. 427 
 
 Van Derveer v. Wright I. 197 ; II. 136, 
 
 139 
 Vandesande v. Chapman I. 396 
 
 Vandewall v. Tyrrell I. 317, 320 
 
 Vandoren v. Tjazler II. 120 
 
 V. Todd II. 1 67 
 
 Van Duzer v. Howe I. 280 ; II. 11 
 
 Van Eps v. Dillaye IL 154, 161 
 
 Van Hoesen v. Van Alstyne I. 264, 268, 
 269. 382, 519 
 Van Hook v. Whitlock U. 326 
 
 Van Home ». Dorrance II. 580 
 
 Van Keuren v. Parmelee II. 657 
 
 Van Ness v. Forrest II. 450, 451 
 
 Van Raugh v. Van Arsdaln IL 325, 343, 
 
 360, 361 
 
 Van Reimsdyk ». Kane I. 298 ; IL 318, 
 
 319,320,369, 518 
 
 Van Rensselaer v. Roberts II. 225 
 
 Van Schaack v. Stafford II. 427, 469, 
 
 470 
 Van Schaick v. Edwards IL 318, 325, 
 
 337, 341
 
 INDEX TO CASES CITED. 
 
 cxvu 
 
 Vanuxem v. Hazelhursts 
 
 II. 361 
 
 Volunteer, Schooner 
 
 II. 
 
 165, 
 
 169, 170 
 
 Van Vacter v. Flack 
 
 1.45 
 
 Von Hemert v. Porter 
 
 
 II. 
 
 425, 426 
 
 7an \alen v Lapham 
 
 II. 618 
 
 Vore V. Hurst 
 
 n. 
 
 120 
 
 123, 124 
 
 Van Vechten v. Pruyn 
 
 I. 479, 488 
 
 Vose V. Handy 
 
 
 
 II. 53 
 
 Van Vleet v. Adair 
 
 11.96 
 
 Vose V. Philbrook 
 
 
 
 II. 60S* 
 
 Van Vronker v. Eastman 
 
 U. 425 
 
 Vreeland v. Blunt 
 
 
 
 I. 336 
 
 '\'"an Wagner v. Terrett 
 
 I. 44 
 
 V. Hyde I. 268, 
 
 269, 
 
 377, 378, 
 
 Van Wart v. Smith I. 537, 543 ; II. 183 
 
 
 
 
 380, 563 
 
 V. Wooliey I 
 
 347, 503 ; II. 
 137, 139, 183 
 
 
 
 
 
 Vardeman ». Lawson 
 
 II. 630 
 
 
 
 
 
 Varick v. Crane 
 
 II. 414 
 
 W. 
 
 
 
 
 Varner v. Nobleborough 
 
 I. 44, 63 ; II. 
 
 
 
 
 
 
 152, 153 
 
 Wackerbath, Ex parte 
 
 
 I. 
 
 313, 318 
 
 Varney v. Brewster 
 
 II. 618 
 
 Wade's Case 
 
 I. 
 
 230 
 
 ; II. 190 
 
 V. Grows 
 
 II 634 
 
 Wade V. Killough 
 
 
 
 I. 204 
 
 Varnum v. Bellamy 
 
 I. 221 
 
 V. N. 0. Canal, &c. Co 
 
 . 11.294,298, 
 
 V. Milford 
 
 I. 240, 246 
 
 
 
 
 304, 308 
 
 Vathir v. Zane 
 
 I. 189 
 
 V. Scott 
 
 
 
 I. 209 
 
 Vatterlien v. Howell 
 
 I. 222 
 
 V. Simeon 
 
 
 
 I. 198 
 
 Vaughan v. Fuller ] 
 
 .615; II. 479 
 
 r. Staunton 
 
 I. 
 
 245 
 
 ; II. 533 
 
 Vaught V. Wellborn 
 
 II. 616 
 
 V. Wade 
 
 
 11. 
 
 294, 305 
 
 Veach v. Tliompson 
 
 II. 120 
 
 V. Wilson 
 
 
 
 II. 418 
 
 Veazie v. Willis II. 
 
 119, 143, 589 
 
 Wadsworth v. Sharpsteen 
 
 
 I. 151 
 
 Bank v. Paulk 
 
 II. 427, 461 
 
 V Smith 
 
 
 
 I. 209 
 
 V. Winn I. 
 
 411, 413,414; 
 
 17 Thomas 
 
 
 
 II. 648 
 
 II. 68, 72, 462 
 
 Wagman v. Hoag 
 
 
 
 I. 241 
 
 Ventris v. Shaw 
 
 II. 649 
 
 Wagner v. Kenner 
 
 I. 
 
 384, 
 
 409, 410 
 
 Vere ». Ashby 
 
 I. 143 
 
 Wagnon v. Clay 
 
 
 
 I. 140 
 
 r. Lewis I. 32 ; II. 
 
 50, 487, 585, 
 
 Wagstaff, Ex parte 
 
 
 
 II. 613 
 
 
 592 
 
 Wakeman v. Vanderbilt 
 
 
 
 II. 616 
 
 Vermont State Bank v. Porter II. 364 
 
 Wain V. Bailey I. 
 
 428 
 
 ; II 
 
 . 84, 216, 
 
 Vernon v. Boverie 
 
 11.85,216 
 
 
 
 
 289, 296 
 
 V. Han key 
 
 11.82 
 
 V. Warlters 
 
 II. 
 
 127, 
 
 128, 131 
 
 V. Manhattan Co. 
 
 I. 135 
 
 Wainman v. Kynman 
 
 
 II. 
 
 651, 653 
 
 Vice V. Anson 
 
 II. 151 
 
 Wainwright v. Webster 
 
 II. 
 
 103, 
 
 105, 193 
 
 Vidal V. Thompson I. 399 
 
 ; 11.318, 324, 
 
 Waite V. Foster 
 
 
 
 I. 148 
 
 
 331, 344 
 
 Waithman v. Elsee 
 
 
 
 I. 25 
 
 Viele V. Hoag 
 
 I. 241 
 
 Wake V. Tinkler 
 
 
 
 II. 605 
 
 Vilas V Jones 
 
 I. 240 
 
 Waketield r. Newbon 
 
 
 
 II. 493 
 
 Viles V. Moulton II. 294, 
 
 298, 304, 309 
 
 V. Stedman 
 
 
 
 II. 502 
 
 Vincent's Case 
 
 II. 210 
 
 Wakemen v. Sherman 
 
 n. 
 
 649, 
 
 652, 661 
 
 Vincent v. Gandolfo 
 
 II. 618 
 
 Walbridge v. Arnold 
 
 
 
 I. 196 
 
 V. Horlock 
 
 II. 15, 439 
 
 Waldo, The 
 
 
 
 II. 170 
 
 Vinson v. Piatt 
 
 II. 376 
 
 Waldo Bank v. Lumbert 
 
 
 
 I. 125 
 
 Vinton v. King 
 
 II. 10 
 
 Waldridge v Kennison 
 
 
 
 n. 479 
 
 V. Peck I 
 
 . 213; II. 429 
 
 Walker v. Atwood 
 
 
 
 I. 312 
 
 Violett V. Patton I. 109; 
 
 [I. 10, 27,348 
 
 V. Bank of Augusta 
 
 
 I. 498 
 
 Virgin, The 
 
 II. 173 
 
 V. Bank of Mont 
 
 gomery 
 
 '^o. 
 
 Visher v. Webster 
 
 II. 550 
 
 I. 326, .503, 
 
 505, 
 
 506 
 
 ; II. 250 
 
 Voight V. Kanibo 
 
 II. 427 
 
 T. Bank of Wa.sh 
 
 ington 
 
 IT. 420
 
 oxvin 
 
 INDEX TO CASES CITED. 
 
 Walker v. Barnes 
 V. Brown 
 V. Butler 
 V. Chovin 
 V. Clay 
 V. Clements 
 V. Constable 
 r. Davis 
 V. Eyth 
 V. Forbes 
 V. Geisse 
 V. Goodrich 
 V. Graham 
 V. Kiniball 
 V. Laverty 
 r. Lide 
 V. Macdonald 
 V. Patterson 
 V. Perkins 
 V. Russell 
 V. Sherman 
 V. State Bank 
 V. Walker 
 
 II. 214, 399, 624 
 II. 625 
 II. 653, 655 
 II. 609 
 II. 513 
 II. 642 
 II. 392 
 
 I. 255 
 II. 608 
 
 II. 139, 352 
 
 I. 221 ; 11. 69 
 
 II. 641 
 
 I. 627 
 
 II. 424 
 
 I. 596, 601, 603, 621 
 
 I. 285 
 
 11.485 
 
 I. 161 
 
 I. 214 
 
 II. 529 
 
 II. 127 
 I. 352 
 
 I. 569, 596, 622; 
 
 II. 457 
 
 11.475 
 
 II. 393 
 
 II. 649 
 
 I. 576, 578, 581, 586 
 
 I. 264, 297, 298. 337, 
 
 340, 341, 342, 345, 3.50, 
 
 351 ; II. 154, 180, 340 
 
 V. Branch Bank I. 107, 189 
 
 V. Warfield 
 V. Wills 
 V. Wootten 
 Wall V. Bry 
 Wallace v. Agry 
 
 T. Dyson 
 V. Hardacre 
 T. Kelsall 
 V, M'Connel! 
 
 I. 45 
 
 I. 215 ; II. 5, .593 
 
 II. 82, 608 
 
 I. 229.309,310, 
 
 429 
 
 II. 479 I 
 II. 653 ! 
 II. 663 
 II. 238 
 
 V. Small 
 Waller v. Lacy 
 Walls V. M'Gee 
 
 Walmcsiey v. Cooper I. 250 ; 
 
 Walmsley v. Child II. 287, 296, 297, 306 
 
 Walpolc V. Pulteney I. 325 
 
 VValrad v. Petrie I. 34 
 
 Walsh ». Bailio II. 246 
 
 V. Fiirrnnd II. 361 
 
 V. Nourso II. 359, 361 
 
 Walter v. Ilaynes I. 486 
 
 V. Kirk I 410 ; 11. 446, 461 
 
 V. Tru.stocs of Schools II. 482 
 
 Waltermire v. Westover II. 631 
 
 Walters v. Brown I. 478, 482, 483 
 
 V. Short II. 577 
 
 V. Swallow II. 246 
 
 Walton V. Adams II. 293 
 
 V. Bemiss II. 153, 160, 162 
 
 V. Dodson II. 132 
 
 V. Hastings U. 550, 568, 574 
 
 V. Mascall II. 137 
 
 V. Robinson II. 658 
 
 V. Shelley 11. 468, 469, 470 
 
 V. Watson I. 529 
 
 Walwyn v. St. Quintin I. 540, 541, 542, 
 
 543, 630; II. 27, 218, 
 
 240, 455,485, 533 
 
 Wamesit Bank v. Buttriek I. 499 
 
 Wamsley v. Linden berger I. 77 
 
 Wankford v. Wankford I. 162 
 
 Ward V. Allen L 282, 285, 298 ; II. 489 
 
 V. Bank of Kentucky I. 115 ; II. 7 
 
 V. Cole II. 636 
 
 V. Evans IL 85, 91, 105, 154, 155, 
 
 156, 159, 183, 184, 209, 216, 602 
 
 V. Howe II. 153 
 
 V. Johnson I. 249 
 
 V. Perrin I. 422 
 
 V. Turner II. 54 
 
 v. Winship II. 528 
 
 Warden v. Howell I. 224 ; 11. 28 
 
 V. Hughes II. 29 
 
 Warder v. Arell I. 57 ; II. 318, 322, 364, 
 
 365 
 
 ? . Carson I. 507 
 
 V. Tucker I. 537, 554, 556, 571, 
 
 607, 647 
 
 Wardlaw v. Gray II. 297 
 
 Ware i-. Adams H. 126 
 
 V. Key II. 444 
 
 Waring v. Cunliffe II. 423 
 
 V. Smyth II. 573 
 
 Warner v. Beardsley I. 237 ; II. 248 
 
 f- Price IL515 
 
 V. Spencer II. 545 
 
 V. Van Alstyne II. 167 
 
 r. Whittaker II. 46, 51 
 
 Wamick v. Crane J. 641 
 
 Warren Bank v. Parker I. 369 
 
 Warren v. Allnut I. 311 
 
 r. Iirown I. 38, 48 
 
 I. Ciiapninn H. 626
 
 INDEX TO CASES CITED. 
 
 \Yarren v. Coombs I. 57, 
 
 662 ; II. 324 
 
 Watkins v. Morgan 
 
 
 II. 394 
 
 V. Crabtree 
 
 II. 420 
 
 V. Stevens 
 
 II. 
 
 652, 654. 661 
 
 V. Oilman I. 255, 472, 483, 516 ; 
 
 V. Vince 
 
 
 1.92 
 
 
 II. 456 
 
 V. Zane 
 
 
 II. 607 
 
 V. Layton 
 
 II. 5.50, 577 
 
 Watkinson v. Bernadiston 
 
 II. 170 
 
 V. Lynch IT 
 
 320,341, 366 
 
 Watriss v. Pierce I. 236 
 
 238 
 
 , 239;IL377 
 
 V. Mains 
 
 II. 91, 92 
 
 Watson V. Cheshire 
 
 
 IL 21 
 
 V. Merry 
 
 II. 467 
 
 Watson's Case 
 
 
 II. 491 
 
 V. Walker 
 
 II. 648 
 
 Watson V. Bail.ey 
 
 
 II. 471 
 
 V. Wheeler 
 
 11.24 
 
 V. Bourne II. 
 
 319, 
 
 359, 360, 361 
 
 Academy v. Starrett 
 
 II. 512, 524 
 
 Watson V. Brewster II. 
 
 318 
 
 327,368,381 
 
 Ba ik V. Suffolk Bank I. 480 
 
 V. Caboc Bank 
 
 
 I. 224 
 
 Warrender v. Warrender 
 
 II. 318 
 
 r. Duke of Wellington I. 33A 
 
 Warring v Williams 
 
 II. 553 
 
 V. Flanagan 
 
 
 L 261 ; II. 9 
 
 Warrington, Ex parte 
 
 II. 401 
 
 V. Hurt 
 
 
 IL 120, 521 
 
 V. Early 
 
 II. 545, 549 
 
 V. Loring I. 
 
 351 
 
 ; 11.214, 463 
 
 V. Furbor I. 
 
 446; II. 118, 
 
 V. McLaren 
 
 IL 
 
 119, 130, 132 
 
 
 137, 139 
 
 V. Orr 
 
 
 11.318 
 
 Warwick v. Bruce 
 
 I. 66 
 
 i;. Owens 
 
 
 IL 154, 200 
 
 V. Nairn 
 
 1.208 
 
 V. Poulson 
 
 
 II. 69, 72 
 
 V. Rogers 
 
 II. 61, .564 
 
 V. Randall 
 
 
 II. 132 
 
 Warwicke v. Noakes 
 
 11.315 
 
 V. Tarpley 
 
 
 L 350 
 
 Washband v. Washband 
 
 II. 393 
 
 V. Templeton 
 
 
 1.499 
 
 Washburn v. Goodman 
 
 1.144 
 
 V. Wells 
 
 
 IL 167 
 
 V. Picot 
 
 1.209 
 
 Watts' Case 
 
 
 II. 585 
 
 V. Ramsdell I. 255 ; II. 9, 472 
 
 Watt V. Hock 
 
 
 IL 653 
 
 Washington v. Planters' Bank I. 310 
 
 V. Mitchell 
 
 
 I. 569 
 
 Bank v. Prescott 
 
 II. 225 
 
 V. Riddle 
 
 
 L 650, 660 
 
 V. Shurtleff II. 140 
 
 Walters v. Smith 
 
 
 II. 217 
 
 
 143, 399 
 
 V. Devor 
 
 IL 
 
 657, 659, 661 
 
 County Mut. Ins 
 
 . Co. V. 
 
 V. Rees 
 
 
 IL 612 
 
 Miller 
 
 1.41 
 
 Waugh V. Bussell 
 
 
 IL 568, 574 
 
 Wasson v. Gould 
 
 II. 425 
 
 Way V. Bassett 
 
 
 II. 644 
 
 Waterbury v. Sinclair 
 
 II. 120 
 
 V. Cutting 
 
 
 II. 639 
 
 Waterman v. Vose 
 
 II. 550, 562 
 
 V. Richardson 
 
 
 IL 437, 438 
 
 Waters v. Bank of Georgia I! 
 
 . 93, 298, 308 
 
 V. SpeiTy 
 
 
 II. 383, 635 
 
 V. Carleton 
 
 1.45 
 
 Waydell v. Luer II. 41, 
 
 159 
 
 160,200,202 
 
 V. Paynter 
 
 II. 474 
 
 Waynam v. Bend 
 
 
 II. 685 
 
 V. Simpson I. 
 
 239 ; II. 533 
 
 Wayne v. Kirby 
 
 
 n. 245, 533 
 
 V. Tompkins 
 
 II. 653 
 
 Weakly v. Bell I. 497 
 
 II. 
 
 150, 184, 204 
 
 Watervliet Bank v. White 
 
 1. 96. 170; 
 
 Wearse v. Peirce 
 
 
 I. 200 
 
 
 II. 442, 595 
 
 Weathered v. Smith I. 
 
 277 
 
 ; II. 267,275, 
 
 Wathen v. Blackwell 
 
 1.470 
 
 
 
 279 
 
 Watkins v. Crouch I. 310, 31 1, 432, 433, 
 
 Weatherhead v. Boyers 
 
 
 IL 408 
 
 
 563, 565, 567 
 
 Weaver v. Waterman 
 
 
 II. 207 
 
 V. Halstead 
 
 I. 79 
 
 '■Vebb's Case 
 
 
 IL 585 
 
 V. Hill 
 
 II. 151, 205 
 
 Webb V. Burke 
 
 
 I. 94 
 
 V. Hopkins 
 
 II. 620 
 
 V. Fairmanei 
 
 
 I. 40^5, 416 
 
 T. Kirkpatrick 
 
 II. 519 
 
 V. Morgan 
 
 
 IL 443 
 
 r. Maule I. 158, 160 ; II. 5, 16 
 
 V. Spicer 
 
 II. 144, 237,533. .537
 
 C'XX 
 
 INDEX TO CASES CITED. 
 
 Webber v. Cochrane II. 648 
 
 V. Williams College I. 117, 167 
 
 Webster r. Cobb 11.120,124,132 
 
 V. Kirk II. 642, 643 
 
 V. Lee I. 261 ; II. 9, 215 
 
 V. Vickers II. 469 
 
 V. Webster II. 645 
 
 Weed V. Bond I. 276 
 
 V. Carpenter II. 16 594 
 
 V. Clark 1.44; II 132 
 
 V. Miller I 664 
 
 Weed V. Richardson I. 126 
 
 V. Snow n. 154, 218 
 
 V. Van Houten 1.310 
 
 Weeks v. Pryor I. 264, 268 
 
 Wegersloffe v. Keene I. 312 
 
 Weidler v. Kauffman I. 45 
 
 Weidman v. Kohr II. 472 
 
 Weir V. Cox I. 327 
 
 Weisser v. Denison 11. 212, 589, 594 
 
 Welby T. Drake I. 245 ; 11. 217 
 
 Welch V. Lindo I. 358 ; II. 220, 442 
 
 r. Watts II. 493 
 
 Weld V. Gorham I. 369 
 
 Weldon v. Buck I. 351 ; II. 463 
 
 Wellborn v. Rogers II. 630, 634 
 
 Wellman v. Southard II. 651, 657, 659 
 
 Wells V. Brighara I. 44 
 
 w. Girling 11.414,515 
 
 v. Hopkins I. 206 
 
 r. Jackson II. 120, 519 
 
 V. Masterman I. 125 
 
 V. Porter II. 419 
 
 V. Ragland II. 642 
 
 T. Tucker I. 179; II. 54 
 
 V. Washington II. 254 
 
 V. Whitehead I. 57, 634, 642 ; II. 
 
 312, 324, 473 
 
 r. Woodley 1.410 
 
 Welsh V. Barrett II. 298, 305, 495 
 
 V. Carter I. 205 
 
 Weiton v. Adams I. 26 ; II. 34, 298, 304, 
 
 308 
 
 V. Scott II. 520 
 
 Wemple v. Dangerfield I. 511, 512 
 
 Wendell V. George II. 470 
 
 Wendinairs Case II. 45 
 Wenniiiii v. Mohawk Ins. Co. II. 643, 644 
 
 ■Wcntworlh v. Goodwin I. 210 
 
 Were v. Taylor II. 592 
 
 ead 
 
 
 II. 
 
 392 
 
 
 
 II. 
 
 622 
 
 
 
 II. 
 
 502 
 
 I. 422, 
 
 423, 
 
 511, 
 
 512 
 
 
 
 ] 
 
 . 45 
 
 
 
 II. 
 
 512 
 
 
 II 
 
 297, 
 
 310 
 
 
 
 1 
 
 . 73 
 
 
 
 II. 
 
 640 
 
 
 
 I. 
 
 660 
 
 Wernwag v. Mothershead 
 
 Wesling v. Noonan 
 
 Wesson v. Carroll 
 
 West V. Brown 
 
 V. Foreman 
 
 r. Kelly 
 
 V. Patton 
 
 r. Penny 
 
 V, Sloan 
 
 V, Valley Bank 
 
 Boylston Manuf. Co. v. Searle IT. 450 
 
 West Branch Bank v. Fulmer I. 523 
 
 V. Moorehead II. 22.1 
 
 Cambridge v, Lexington II. 318,319 
 
 Westerdeli v. Dale II. 170 
 
 Western w Pollard II. 518 
 
 V. Wilmott II. 480 
 
 Bank v. Kyle II. 505 
 
 West Feliciana R. R. v. Stockett 11. 633, 
 
 645 
 Westminster Bank v. Wheaton I. 271 ; 
 
 11.68 
 
 Weston V. Barker II. 50, 62 
 
 V, Chamberlain II. 515 
 
 V. Hight II. 56, 309 
 
 Wethey v. Andrews I. 264, 268, 379 
 
 Wetumpka, &c. R. R. Co. v. Bingham 
 
 
 L 63, 94 
 
 Wetzel V. Sponsler 
 
 L 238 
 
 Whaley v. Houston 
 
 L 537, 542, 639 ; 
 
 
 IL 72 
 
 Wharton v. Hopkins 
 
 II. 604 
 
 V. Wright 
 
 L496 
 
 Whatley v. Tricker 
 
 L324 
 
 Wheat V. Kendall 
 
 I. 235 
 
 Whcatley v. Williams 
 
 L21 
 
 Wheaton v. Wilmarth 
 
 L 473 
 
 Wheeler v. Field L 443, 451 , 452, 453, 459 
 
 V. Guild L 51 
 
 261; n. 275, 604 
 
 V. Lewis 
 
 n. 141, 142 
 
 V. Pope 
 
 IL 376 
 
 V. Raymond 
 
 II. 388, 604 
 
 r. Schroedcr 
 
 IL 150, 1.53, 175, 
 
 
 176, 186 
 
 r. Stone 
 
 L290 
 
 0. Wasiiburn 
 
 L241 
 
 /'. Webster 
 
 L 289 ; IL 569, 
 
 
 635, 636 
 
 V. Wheeler 
 
 L 158, 245, .334; 
 
 
 IL 6, 51, 52, 217
 
 INDEX TO CASES CITED. 
 
 CXXl 
 
 Whcelock v. Doolittle II. 658 
 
 V. Freeman II. 146, 502, 540, 
 
 542, 546, 572, 582, 583 
 
 Whidden v. Seelye II. 334 
 
 "Whipple V. Stevens 11. 466, 658 
 
 Whiston V. Stodder II. 318, 320, 328 
 
 Whitaker v. Bank of England I. 419 ; 
 
 n. 213, 252 
 
 ». Brown 1.124,125,126,128; 
 
 II. 472 
 
 V. Edmunds (I A. & E., II 494 
 
 ». Morris I. 591, 596 
 
 i;. Morrison I. 596, 609 ; II. 496 
 
 V. Whitaker I. 86 
 
 Whitbeck v. Van Ness II. 41, 98, 151, 
 
 156, 183, 192, 193 
 
 Whitcomb v. Smart II. 449 
 
 V. Whiting II. 656, 658 
 
 V. Williams II. 151 
 
 White, Ex parte II. 557 
 
 V. Ambler II. 73 
 
 V. Brown 11. 291, 306, 310 
 
 V. Canfield II. 367 
 
 V. Casanave II. 167 
 
 V. Case II. 141 
 
 V. Dougherty II. 168 
 
 r. Dow II. 649 
 
 r. The Governor II. 602, 619 
 
 ». Green II. 602 
 
 V. Guthrie II. 91, 193 
 
 V. Hale II. 656, 657 
 
 V. Hass II. 548, 572, 577 
 
 V. Heylman II. 45, 46 
 
 r. Hopkins II. 250 
 
 ». Howland I. 238 ; II. 118, 132 
 
 V. Jones I. 224 
 
 V. Joy I. 155 
 
 V. Kibling I. 261 ; II. 467, 470 
 
 V. Latimer 11. 634, 637 
 
 r. Led wick I. 193 
 
 V. McDowell II. 162 
 
 r. Mallord II. 302 
 
 r. North I, 24 
 
 V. Palmer II. 211 
 
 V. Richmond L 47 
 
 V. Springfield Bank L221 ; 11.493 
 
 V. Stoddard I. 360, 444, 559 
 
 V. Trumbull II. 224, 226 
 
 ». White II. 126, 629, 640 
 
 V. Wiggins II. 606 
 
 White V. Williams II. 169 
 
 V. Word IL 612 
 
 r. Wright IL 409,417 
 
 Whiteford v. Burckmyer 1. 484 ; II. 437 
 
 Whitehead v. Jones II. 495 
 
 V. Walker II. 604, 644 
 
 Whitelocke v. Musgrove II. 479 
 
 Whiteman v. Childress 1. 46, 47 ; IL 
 
 45, 120 
 
 Whitesides v. Wallace II. 290, 291, 293 
 
 Whitfield V. Collingwood II. 550, 577 
 
 V. Fauesset IL 287 
 
 zj. Le Despencer 11.315 
 
 V. Savage 1. 528, 555 
 
 Whiting V. Daniel IL 552 
 
 Whitlock V. McKechnie II. 440 
 
 V. Underwood 1. 381 ; II. 67 
 
 Whitman v. Farmers' Bank I. 499, 504. 
 
 513 
 
 V. Leonard I. 148 
 
 Whitmer v. Frye II. 549, 573, 580 
 
 Whitmore ». Corey 11.476 
 
 Whitney ». Abbot L 586, 595 ; 11. 182, 515 
 
 V. Bigelow II. 652, 661 
 
 T. Bunnell I. 321 
 
 V. Dutch L 71, 73, 74 
 
 V. Goddard II. 323 
 
 7). Snider 11. 602 
 
 V. Whiting 11. 364 
 
 Whiton V. Mears II. 138 
 
 Whitredge v. Eider 1. 6-27 
 
 Whittaker v. Edmunds (1 Moody & R.) 
 
 L186 
 
 Whittemore v. Adams II. 367 
 
 Whittier v. Eager I. 199 
 
 V. Graffam I. 449 
 
 Whittington v. Farmers' Bank II. 495, 499 
 
 Whittle V. Skinner I. 240 
 
 Whittlesey v. Dean I. 509 
 
 Whitton V. Swope 11. 392, 393 
 
 Whitwell V. Bennett II. 69 
 
 V. Brigham I. 411, 414, 420; 
 
 IL 462 
 
 V. Crehore II. 29 
 
 V. Johnson I. 369 
 
 V. Crehore II. 27, 29 
 
 V. Dimsdale IL 583 
 
 V. Johnson I. 509, 510 
 
 Wickes V. Caulk IL 554, 578, 580 
 
 Wick's Case IL 408
 
 CXXll 
 
 INDEX TO CASES CITED. 
 
 Wick v. Gogerly 11.420 
 
 Widgery v. Munroe I. 369, 449, 451 , 452 ; 
 
 II. 510 
 
 Widoe V. Webb II. 626 
 
 Wiffen V. Roberts I. 373 ; II. 44 
 
 Wiggin V. Bush fl. 275, 279 
 
 V. Damrell 11 50, 51, 603 
 
 V. Tudor I. 247 
 
 Wiggins V. Vaught I. 46 
 
 Wiggle r, Thomason I. 410 
 
 Wight V. Shuck II. 414 
 
 Wilamouicz v. Adams I. 47 
 
 Wilbour V. Turner II. 485 
 
 Wilbur r. Seldea II. 496 
 
 V. Wilbur U. 578 
 
 Wilburn v. Greer X. 47 
 
 Wilby V. Warren II. 85 
 
 Wilcox V. Beal II. 592 
 
 V. Rowland II. 423, 424, 425 
 
 P.Hunt 11.318,327 
 
 V. M'Nutt I. 483, 487, 493 
 
 r. Mitchell I. 499, 504 
 
 r. Roath (12 Conn.) 1.74 
 
 V. Routh (9 Smedes & M.) I. 500 
 
 Wild V. Bank of Passamaquoddy I. 173, 
 
 351 ; n. 239, 240, 463 
 
 T. Fisher II. 152 
 
 V. Rcnnards I. 305, 428, 429 
 
 Wilde V. Armsby II. 577 
 
 V. Sheridan II. 342 
 
 Wilder v. Aid rich I. 86, 88 
 
 V. Seelye I. 367 ; II. 286, 288 
 
 Wilders v. Stevens II. 459 
 
 Wildes V. Savage I. 62, 294, 295, 297 ; 
 
 II. 137, 139, 140 
 
 Wiley V. Holmes II. 374 
 
 Wiliams v. Griffith II. 649 
 
 Wilkcrson i). The State 11.411 
 
 Wilkes T. Harper II. 246 
 
 V. Jacks I. 554, 596, 603 
 
 Wilkie V. Roosevelt II. 418 
 
 Wilkins v. Commercial Bank I. 499 
 
 V. (iillis I. 578 
 
 V. Jiidis I. 418,420,610,618,641 
 
 V. Reed II. 152 
 
 Wilkinson v. IJyers II. 217 
 
 V. .Johnson I. 319, 32.3,328; 
 
 II. 29, 101, 189, 285, 574, 
 
 590, 598, 600, 001 
 
 V. K'uhy II. 603 
 
 Wilkinson v. Lutwidge I. 320 ; II. 38, 
 
 99, 196, 482, 590 
 
 V. State II. 588 
 
 V. Sterne II. 224, 228 
 
 V. Wright II. 357 
 
 WiTks V. Robinson II. 643 
 
 Willard v. Clarke II. 556 
 
 V. Harvey II. 633 
 
 ». Reeder 11.417 
 
 Willcox V Smith II. 646 
 
 Willets V. Phoenix Bank I. .33, 273 ; 
 
 II. 50, 65, 74, 75, 79, 592 
 
 William & Emmeline, The II. 173 
 
 William Money, The II. 171, 173 
 
 Williams, Ex parte II. 396, 397 
 
 V. Alexander II. 663 
 
 V. Bank of U. S. I. 487, 490 
 
 T. Banks II. 433, 471 
 
 V. Beazley II. 50 1 
 
 r. Brashear I. .537, 539, 541 
 
 V. Brobst I. 583, 587, 611 
 
 v. Council II. 634 
 
 V. Cutting I. 12 
 
 T. Drexel II. 483. 589, 590, 591 
 
 V. Everett I. 333 
 
 ». Field II. 25 
 
 V. Flight 11, 605 
 
 V. Floyd II. 477 
 
 ». Germaine 1.314,316,318 
 
 V. Gilchrist II. 617 
 
 V. Griffith II. 224, 231, 6,53 
 
 T. Hicks I. 207 
 
 V. Houghtaling II. 223, 425 
 
 V. James II. 233, 454, 487 
 
 V. Jarrett II. 550 
 
 V. Jones II. 326, 382, 385, 631 
 
 ». Little 1.221,225 
 
 V. Matthews I. 515 
 
 V. Moor (11 M. & W.) I. 67, 
 
 68, 72 
 
 V. Moore (5 N. H.) II. 164 
 
 V. Nicholson I. 275 
 
 V. Preston II. 381 
 
 V. Putnam I. 642, 643 
 
 V. Rawlinson II. 231 
 
 V. Reynolds II. 407, 414, 426, 
 
 427, 433 
 
 V. Roberts II. 167, 168 
 
 V. Robinson I. 596, 609 
 
 ■f}. Seagravo II. 589
 
 INDEX TO CASES CITED. 
 
 CXXUl 
 
 Williams ». Smith I. 191, 224, 510; 
 
 11.314 
 
 V. Storm II. 427 
 
 T. Storrs II. 374 
 
 V. Thomas I. 138; II. 180 
 
 V. Wade II. 343, 347, 348 
 
 ». Walbridge 1.125,128,132; 
 
 n. 469 
 
 V. Waring I. 307, 428 
 
 r. Williams II. 406 
 
 V. Winans I. 285, 293 
 
 Williamson v. Bennett I. 43 
 
 r. Clements II. 287 
 
 V. Johnson I. 135 ; II. 474 
 
 e. Thompson 11. 210 
 
 r. Watts I. 68 
 
 Willie r. Green I. 243 ; II. 94 
 
 Willings V. Coiisequa I. 247; II. 318 
 
 Willins V. Smith II. 661 
 
 Willis V. Bank of England II. 187 
 
 V. Barrett I. 32 ; II. 474 
 
 V. Cresey II. 298, 310 
 
 V. Green I. 502 ; II 4 
 
 V. Hobson I. 257, 644 
 
 V. Newham II. 653 
 
 Willison V. Patteson I. 152 ; II. 8 
 
 Willmarth v. Crawford I. 165 
 
 Willoughby v. Moulton I. 23 
 
 Willsheir v. Cox II. 468 
 
 vVillson V. Force II. 163 
 
 Wilmot T. Williams I. 427 ; II. 474 
 
 Wilson's Case I. 113 ; II. 583 
 
 Wilson, Ex parte I. 136, 233, 528 
 
 V. Alexander II. 101, 189 
 
 V. Barthrop I. 121 ; II. 460 
 
 V. Black II. 520 
 
 V. Calvert II. 647 
 
 V. Clark II. 373, 438 
 
 V. Clements I. 294 
 
 V. Codman II. 608 
 
 V. Edmonds II. 612 
 
 e. Foot I. 235 
 
 V. Goodin II. 220, 488 
 
 V. Green I. 235 
 
 r. Hardesty 11. 416 
 
 r. Henderson II. 565, 567, 577 
 
 ». Hickson II. 96 
 
 V. Huston I. 596 
 
 V. Ivy II. 639 
 
 V. Jamieson II. 56-'' 
 
 Wilson r. Jordan 
 
 L 210 
 
 V. Keedy 
 
 IL 607 
 
 V. Kilburn 
 
 n. 409 
 
 V. Lewis 
 
 L 129 
 
 V. Lazier 
 
 L 188; IL 26 
 
 V. Mullen 
 
 IL 120 
 
 V. Reaves 
 
 IL 603 
 
 V. Swabey 
 
 L 503, 504 
 
 V. Tumman 
 
 L 101 
 
 V. Wheeler 
 
 L 235, 241 
 
 V Williman I 
 
 . 411 ; IL 461 
 
 V. Williams 
 
 L 126 
 
 V. Wright 
 
 n. 233 
 
 Wilthaus V. Ludecng 
 
 I. 85 
 
 Winans v. Davis 
 
 L 494 
 
 Winchell v. Bowman II. 
 
 654, 656, 658 
 
 V. Hicks IL 
 
 648, 655, 657 
 
 Windham v. Wither 
 
 II. 457, 458 
 
 Windham Bank v. Norton 
 
 I. 373, 443, 
 
 
 460, 461, 463 
 
 Windle v. Andrews 
 
 I 643 
 
 Wingate v. Mechanics' Bank 
 
 L 480 
 
 Winn V. Dunn 
 
 n. 420 
 
 V. Young 
 
 n. 392 
 
 Winship v. Bank of U. S. 
 
 L 125. 133 
 
 Winsted Bank 
 
 IL 162 
 
 Winston v. McCormick 
 
 IL 631, 633 
 
 V. Westfeldt 
 
 I. 260 
 
 Winter v. Anson 
 
 n. 167 
 
 V. Drury L 290. 33.'5 
 
 , 336 ; n. 60 
 
 Winterbottom's Case 
 
 I. 159; IL 6 
 
 Wintercast v. Smith 
 
 II. 447 
 
 Wintcrmute r. Post 
 
 I. 303, 325 
 
 Winthrop v. Carleton 
 
 IL319, 376 
 
 V. Pepoon I. 
 
 350 ; II. 336, 
 
 
 376, 463 
 
 Wintle V. Crowther 
 
 L 129 
 
 Winton v. Saidler 
 
 II. 469 
 
 Wires v. Farr 
 
 II. 633 
 
 Wise V. Charlton 
 
 IL 147, 542 
 
 V. Prowse 
 
 IL 459 
 
 Wiseman v. Lyman 
 
 IL 200 
 
 Wishart v. Downey 
 
 n. 615 
 
 Wissen v. Roberts 
 
 L 191 
 
 Withall V. Masterman 
 
 II. 242, 249 
 
 Withington v. Herring 
 
 L 120 
 
 Withrow V. Wiley 
 
 IL 531 
 
 Witte V. Derby Fishing Co. 
 
 I. 169 
 
 Witter V. Latham 
 
 II. 305 
 
 Wittersheim v. Carlisle 
 
 II. 642
 
 CXXIV 
 
 INDEX TO CASES CITED. 
 
 Wolcott V. Van Santvoord I. 229, 309 
 Wolf r. Summers II. 165 
 
 Wolfe V. Brown II. 142 
 
 V. Jewett I. 94, 339, 350, 450 
 
 V. Whiteman II. 643, 644 
 
 Wolfersberger v. Bucher I. 611 
 
 Wolff T. Oxholm II. 358, 365 
 
 WoIIenweber v. Ketterlinus I. 537, 538. 
 
 544, 546 
 
 Womble r. Battle II. 167 
 
 Wood v. Bodwell II 151,218 
 
 ». Braddick 11.481,657,658 
 
 V. Brown I. 614 
 
 V. Corl I. 396, 493 ; II. 372 
 
 V. Drury II. 480 
 
 V. Farm. & Mech, Bank I. 656 
 
 ». Gibbs I. 537 
 
 V. Goodridge I. 80, 91, 92 
 
 V. Grim wood II. 4 1 0, 4 1 8 
 
 Wood V. Jefferson Co. Bank II. 239, 243, 
 
 244, 247 
 
 r. Malin II. 327 
 
 V. Mytton I. 18, 19, 20 
 
 V. Mullen 1.311, 409 
 
 V. Perry II 46 
 
 r. Pugh 1.317,320 
 
 V. Tyson II. 442 
 
 V. Watkinson II. 326, 327 
 
 V. Watson I. 472 
 
 V. Wood I. 502 ; II. 5 
 
 r. Wylds II. 653, 662 
 
 Woodard v. Fitzpatrick II. 406 
 
 Woodbridge v. Brigham I. 311, 374, 384, 
 
 432, 435, 509 ; II. 286 
 
 r. Spooner I. 179; II 504 
 
 Woodcock «. Bcnnet II. 154 
 
 V. Ilouldsworth I. 478, 485 ; 
 
 II. 491, 492 
 
 Woorldy f;. State Bunk II. 657 
 
 Wooflfolk V LfKlie I. 23, 24 
 
 Woofiford r. Dorwin I. 50 
 
 V. Whitcley II. 295, 296 
 
 Woodhull r. Holmes II. 28 
 
 V. Wagner 11. 326, 370 
 
 Woodin V. Foster I. 436, 474, 477 
 
 Woodland v. Fear II. 78 
 
 Woodman ». KHstmiin I. 571, 575, 595, 
 
 f.Ul ; II. 2.')9, 244 
 
 V. Thurston 1. 404, 576 
 
 Woodroffe v. Haync II. 225 
 
 Woodruffs. Merchants' Bank 
 
 I. 399, 
 
 407 ; II. 57, 68, 69, 70 
 
 V. Moore II. 639 
 
 v. State II. 609 
 
 V. Trapnall II. 621 
 
 Woods V. Bailey II. 168 
 
 V. Schroeder II. 59, 84 
 
 Woodstock Bank v. Downer II. 145 
 
 Woodthorpe v. Lawes I. 468, 469, 473, 
 
 505 
 
 Woodville r. Beed 11. 162 
 
 Woodward, Ex parte 11. 656 
 
 V. Clarke II. 633 
 
 V. Drennan I. 375 
 
 V. Harbin II. 25, 484 
 
 V. Winship I. 132, 133 
 
 Woodworth v. Huntoon I. 254 
 
 V. Bank of America I, 276, 
 
 432; II. 562, 565 
 
 Wookey v. Pole II. 33, 43. 1 1 1 , 1 13, 268, 
 
 269 
 Wooldridge v. Planters' Bank II. 645 
 
 Wooley V. Clements I. 402 
 
 WooUey v. Clark I. 161 
 
 V. Sergeant I. 24 
 
 Woolsey v. Crawford I. 650 
 
 Woolway v. Rowc II. 471 
 
 Worcester Co. Bank v. Dorchester, &c. 
 Bank I. 115, 189, 232, 259 ; II. 
 
 278, 280, 281, 282 
 Worcester Bank v Wells II. 340, 342 
 Co. Inst, for Savings v. Davi.s 
 II. 119, 138 
 
 Worden v. Dodge 
 
 
 1.45 
 
 Work V. Kase 
 
 II. 
 
 470.494 
 
 Worley v. Harrison 
 
 
 I. 44 
 
 Worrall v. Jones 
 
 
 11. 465 
 
 Worsham v. Goar 
 
 n. 243, 245 
 
 Worth V. Case 
 
 
 I. 44 
 
 Wortliin,u;t()n v. Curd 
 
 
 11. 437 
 
 T. Grimsditch 
 
 II. 653, 
 
 
 
 654 
 
 Wragg V. Comptroller 
 
 General 
 
 II. 167 
 
 Wray r. Furni^s 
 
 
 II. 618 
 
 Wren v. Pearce 
 
 
 II. 128 
 
 Wright V. Allen 
 
 
 II. 249 
 
 V. Boyd 
 
 I. 170 
 
 ; II. 442 
 
 V. Butler 
 
 
 II. 487 
 
 V. Conovcr 
 
 
 II. 629 
 
 V. Douglass 
 
 
 II. 95
 
 INDEX TO CASES CITED. 
 
 cxxv 
 
 Wright r. First Crockery Ware Co. 
 
 II. 150, 157 
 
 V. Hencock II. 305, 307 
 
 V. Jacobs II. 294, 305 
 
 75 Lain^ 11.231,417,421 
 
 r. Latham II. 24, 522 
 
 V. McAlexander II. 40G 
 
 V. McFall I. 59 
 
 V. Maidstone II. 295, 296 
 
 V. Morse II. 122, 125 
 
 V. Reed II. 91, 92, 188, 189 
 
 V. Rogers II. 608 
 
 V. Shawcross I. 510, 515 
 
 V. Simpson I. 238 ; II. 137, 247 
 
 w Steele I. 72, 74 
 
 V. Stockton I. 237 
 
 V. Wheeler 11. 379, 406, 420 
 
 V Wright I. 179; 11. 45, 55, .59 
 
 Wrightson v. Puilan I. 146 
 
 Wyat V. Campbell I. 279 ; II. 419 
 
 Wyatt V. Bulmer I. 189 
 
 V. Marquis of Hertford II. 86, 
 
 155, 179 
 
 VVvch ». East India Co. II. 633 
 
 Wyer r. Dorchester & Milton Bank 
 
 II. 275, 280, 281, 282 
 Wyke V. Rogers I. 241 
 
 Wyldman, Ex parte II. 458 
 
 Wylie V. Lewis II. 520 
 
 Wyman v. Adams I. 269 ; II. 490 
 
 ». Gray L 97 ; IL 128 
 
 V. Hallowell & Augusta Bank 
 
 n. 594 
 
 Wynn v. Alden L 470, 473, 474, 477 
 
 V. Foynter II. 431 
 
 Wynne v. Alston II. 1 67 
 
 V. Callander L 217 ; n.319, 418 
 
 r. Jackson 11.318,319,321,330, 
 
 331 
 
 V. Raikes L 282, 289, 293 
 
 Y. 
 
 Yale V. Dederer I. 79 
 
 V. Eames I. 147 
 
 Yallop V. Ebers L 229, 326 ; II. 249, 250 
 
 Yarborough v. Bank of England I. 18 ; 
 
 II. 584 
 Yarnell ». Anderson I. 135 ; II. 153 
 
 &* 
 
 Yates's Case II. 58 
 
 Yates, Ek parte II. 125 
 
 B. Bell I. 334 
 
 r. Donaldson I. 229, 235, 247, 326 ; 
 
 n. 160,201 
 
 r. Freckleton 11.209,210 
 
 V. Nash I. 35 
 
 V. Sherrington I. 86 
 
 Yeager v. Farwell I. 576 
 
 Yejites V. Groves I. 336 
 
 Yeatman v. Cullen II. 336, 347 
 
 Yeaton v. Bank of Alexandria II. 27 
 
 Yongue v. Ruff L 537, 539, 540, 542, 544 
 
 York V. Blott II. 465, 488 
 
 Yorks r. Peck I. 247 
 
 Young V. Adams I. 46 ; II. 37, 38, 98, 
 
 101, 103, 107, 186, 188, 189, 194, 600 
 
 V. Berkley II. 419 
 
 V. Bryan I. 643 ; II. 25, 499 
 
 V. Cole II. 39, 187 
 
 V. Davis II. 641 
 
 V. Dobyns II. 647 
 
 V. Durgin I. 490 
 
 V. Fuller II. 527 
 
 v. Glover II. 18 
 
 V. Grote II. 80, 285, 597 
 
 V. Harris II. 320, 377 
 
 V. Mackall II. 639 
 
 V. Miller II. 428 
 
 V. Patterson II. 484 
 
 V. Scott II. 416 
 
 V. Triplett I. 210 
 
 V. Ward 11. 446, 447 
 
 V. Weston II. 637, 643 
 
 V. Wood II. 168 
 
 Youngs V. Bell II. 485 
 
 V. Lee L 191, 22], 222, 471, 473 
 
 V. Stahelin I. 222 
 
 Z. 
 
 Zabriskie v. Cleveland 
 Zacharias v. Zacharias 
 Zane v. Zane 
 Zebley v. Voisin 
 Zeigler v. Gray 
 Zephyr, Schooner 
 Zerrano v. Wilson 
 Zwinger v. Samnda 
 
 II. 34 
 
 II. 629, 649, 654 
 
 I. 199 
 
 IL 456 
 
 II. 470 
 
 IL 174 
 
 IL 151 
 
 n. 34. Ui
 
 THE LAW 
 
 NOTES AND BILLS. 
 
 CHAPTER I. 
 
 OF THE ORIGIN AND FUNCTION OF NOTES AND BILLS. 
 
 The origin of negotiable bills of exchange is not certainly 
 known. It has been much disputed in what ages and among 
 what nations they arose. But the opinion, or rather the con- 
 jecture, of some writers, that they, or instruments very like 
 them, were known among the Romans and Grecians, has been 
 shown to be without foundation. It is, however, certain, that 
 such a transaction as a request by A in Rome that B in Alex- 
 andria should pay to 0, on A's account, the money which B 
 owes A, must have been not uncommon ; for if there was com- 
 merce, there was foreign indebtedness, and it must sometimes 
 have happened that in this way a foreign debt could be paid 
 with equal convenience to debtor and creditor. Indeed, both 
 Cicero (a) and Isocrates {b) refer to such cases. Moreover, many 
 of the principles of the civil law in relation to novation, delega- 
 tion, and subrogation are quite analogous to those which now 
 constitute the law of negotiable paper ; and for this reason it 
 may seem more strange that nations possessing so much com- 
 merce and civilization as Greece and Rome, did not go so far 
 
 (a). Epist. ad Att., xii. 24, xv. 25. 
 (b) TpanfCtTiKos. l&oc, p. 170 (17). 
 Vol. I.— a
 
 2 NOTES AND BILLS. [CH. I 
 
 as to indent and use negotiable paper. But they did not. Bills 
 of exchange, which at first were not, so far as our evidence 
 extends, negotiable, were in use in Venice in 1272, for a law 
 of that date refers to them. There are traces of them a little 
 earlier ; and the different theories which ascribe their origin — 
 always on some, but never on certain evidence — to the Jews 
 when oppressively expelled from their homes, to the Lombards 
 when driven from one country to another for usury, or to the 
 Guelphic Florentines when exiled from Italy by the Ghibellines, 
 all concur in proving that they were in use among the com- 
 mercial nations of Europe, and especially along the shores of 
 the Mediterranean, about five centuries ago, and that they were 
 then of recent introduction. (c) 
 
 (c) Mr. Reddie, in his Historical View of the Law of Maritime Commerce, examines 
 this question with his accustomed thoroughness and ability, and concludes that bills 
 of exchange were first used by the Campsores or money-lenders at the fairs of the 
 twelfth, thirteenth, and fourteenth centuries. He remarks as follows : " Along with 
 the dealers in other merchandise, the money-dealer repaired with his commodity to the 
 stated fairs established over Europe; and, as his commodity was in constant and uni- 
 versal demand, he became a person of consequence at the fair. As his money-table 
 was necessary for the accommodation of all the other dealers, he had a peculiar claim 
 to the protection of the government under whose authority the fair was held. Like the 
 other merchants who disposed of their goods, he was equally if not more entitled to ob- 
 tain a document of the debt contracted to him, under the seal of the fair, and clothed 
 with all the privileges enjoyed by the creditor under its peculiar jurisdiction. For the 
 money so advanced by him, it generally suited the merchant whom he accommodated 
 to give or transfer to the money-dealer some of these documents of debt which he liad 
 received from other merchants for the goods he had bronght to and sold at the fair. 
 To the money-dealer this was also desirable, as affording a double security for the 
 money he advanced and the credit he gave ; and the document of debt thus trans- 
 ferred, for a rertain sum advanced in cash by a money-dealer at a fair, specifying a 
 particular p.y-day at a subsequent fair, to be kept either in the same or in a distant 
 town, and u ider the peculiar jurisdiction of the fair, containing a warrant rbr arresting 
 the person of the debtor who should fail in making payment, combines all the essen- 
 tials, and obviously presents the model, of our modern bill of exchange. The precise 
 era of that most useful invention does not appear to have been exactly ascertained ; but 
 that it originated, in the manner wc have just seen, in the usages and customs observed 
 and in the regulations adopted at fairs, from considerations of general security and 
 convenience, there is every nason to believe. And after it was once established upon 
 a small scale, the utility and convenience of the invention behooved gradually to lead 
 to its more extensive adoption, particularly in foreign and maritime commerce. In- 
 deed, it seems probable that bills of exchange, such, or nearly such, as wc have at 
 present, first came into general use in the course of the extended commerce carried on 
 by the mnritime cities of Italy, and of the south of France and Si)ain, under their com- 
 paratively fr<'(; and wcll-adiniiiistcrcd governments. Weber, in his Kicerche sull' Originee- 
 «ulla Natura del (^ontratto di (jambio, published at Venice in 1810 states positively that
 
 en. i ] ORIGIN AND FUNCTION OF NOTES AND BILLS. 3 
 
 These facts have an interest far beyond that which may be 
 felt only by the historian or antiquary. For if they help us co 
 understand the reason why this most useful invention was made 
 at that period, and was not made before, they may also assist 
 
 such documents were in use at Venice in 1171 ; and a law of Venice of 1272 clearly 
 designates bills of exchange. The unpublished statute of Avignon, of 1243, contains 
 a paragraph entitled De Litteris Cambii ; a statute of Marseilles, dated 125.3, presents 
 evident traces of them ; and a transaction of this description is attested bj' a document 
 of 12.56, relative to England. Further, in his CoUeccion Diplomatica, Don Antonio 
 Capmany has discovered and recorded, in the middle of a public authentic instrument, 
 the following copy of a bill of exchange, dated 28th April, 1404, drawn by a merchant 
 in Bruges upon a mercantile company in Barcelona, which approaches pretty much to 
 the present form, and shows that such negotiable documents were then in frequent 
 use: ' Al nome di Dio, Amen. A di Aprile xxviii, 1404 Pagate per questa prima 
 di camb. a usanza, a Pietro Gilberto e Pietro Olivo, scuti mille, a sold. x. Barcelonesi 
 per scuto : e quali scuti mille sono per cambio che con Giovanni Colombo, a Gressi 
 xxii. de gresso per scuto, et Pon. a nostro conto; et Christo vi guardi. (Subtus vero 
 erat scriptum.) Antonio quart. Sab. di Brugis.' It seems idle, therefore, to look for 
 the origin of these negotiable documents in any particular event, occurring in any 
 particular country ; as Montesquieu seems to have done in the expulsion of the Jews 
 from France, in 1181, by Philip Augustus, according to the story first told, it is 
 believed, by Cleirac, in his Us et Coutumes de la Men It is, no doubt, true, as 
 observed by M. Nouguier, the latest French writer on the subject (1839), that there is 
 a distinction between the cause or occasion, and the fact or event, of the invention of 
 bills of exchange ; that if we inquire what cause has led to the invention, the true 
 answer is, the necessities of commerce ; but that if we inquire who were the inventors, 
 in what position, and by whom, these necessities were most strongly felt, and what 
 person or persons, experiencing the urgency of these necessities in the most lively 
 manner, produced the thing invented, it would be absurd to call the extension of 
 commerce the inventor; for this would be to confound the mover (moteur) with the 
 agent. It is also highly probable that the Jews, being in these ages, as we have seen, 
 the chief campsores or money-lenders, persecuted from mistaken religious views, and 
 on account of their alleged pecuniary extortions, scattered over the European king- 
 doms, yet in a manner forced to keep up a prett}^ constant communication with each 
 other, clever and acute naturally, and comparatively skilful in such business, from 
 having been trained to it for generations, were really the first inventors of bills of 
 exchange in a rude state. But that they made the discovery or invention at the precise 
 time, and solely in consequence, of their expulsion from the kingdom of France by 
 Philip Augustus, is not very likely in the circumstances, does not appear to be proved 
 by any contemporary, or nearly contemporary, authority or document, or by any other 
 authority than the statement of Cleirac, in 1661, made nearly five hundred years after 
 the alleged event, and which seems to have been repeated by subsequent French writers 
 without much further investigation." 
 
 Hume (Hist. Eng., ch. 12) states, that in the year 1255 the Bishop of Hereford, being 
 at Rome as deputy from the English Cliurch, in order to replenish the Pope's exhausted 
 treasury and pay the debt of Henry III., drew bills of different values, but amounting 
 in all to 150,540 marks, on all the bishops and abbots of the kingdom; and granted 
 these bills to Italian merchants. His authority is the Historia Major of Matthew Paris, 
 pp. 612, 628 (edit. 1'40, pp. 910, 911, 914), and the Chron. Thomaa Wykes (Vol-
 
 4 NOTES AND BILLS. [CH. L 
 
 US in comprehending the exact purpose which they were in- 
 tended to accomphsh, and the function they do in fact per- 
 form, and thus they will aid us in discovering the true prin- 
 ciples of the law in relation to them ; for these must necessarily 
 be such as will promote that purpose and function. 
 
 The views which we entertain on this svibject, and have briefly 
 intimated elsewhere, are these. We consider that some exchange 
 of commodities must have existed among men as soon as society 
 existed ; for one of the objects for which society was formed, and 
 one of the influences which held it together, must have been the 
 facility which it afforded its members to make their superfluities 
 
 ume 2 in Gale's HistoriiB Anglicanae Scriptores Quinque, Vol. 2). Wykes puts this 
 transaction in the year 1260. But neither Wykes nor Paris warrants us in considering 
 these bills as anything more than letters directing the payment of money "tali et tali 
 mercatori Senensi aut Florentino." That given by Paris differs entirely, in form, from 
 the old bills referred to by Capmany and Arnolde, and from bills now in use ; <)ut in 
 nature and quality is perhaps the same, but not negotiable. Macpherson (Annals of 
 Commerce, Vol. 1, p. 40.5), referring to the same occurrence, says: "Though the 
 excellent accommodation of remitting money by bills of exchange was probably known 
 long before this time in Italy and all other countries in which there was any commerce, 
 there is not, I believe, any express mention of them (so little attention did historians 
 pay to matters of real utility and importance) till a very extraordinary and infamous 
 occasion connected them with the political events of the age." 
 
 In Anderson on Commerce, Vol. 1, p. 171, bills of exchange are said to be referred 
 to by a charter of Hamburg in 1189, and to have been at that time " very new in 
 Europe." In 1307 Edward I. prohibited the payment of tithes to the Pope in coin or 
 bullion, but directed that the sums i-aised should be delivered to merchants in England, 
 to be remitted to the Pope ''per viam cainbii." And by act of Parliament, in 1381, 
 reciting the great mischief which the realm suffered because gold and silver, money, 
 plate, jewels, &c. were carried out " so that, in effect, tlici"e is none thereof left," it is 
 enacted that no moneys, plate, &c. should be sent beyond sea, and no payments, other 
 than salaries to the king's officers, made, except by bills of exchange, upon the oath 
 of tiie merchant exchanging, and at the special license of the king. Upon which the 
 author observes : "This act too plainly shows how little the trade and nature of ex- 
 change by l)i]ls was then understood in England ; though long before this time in 
 famih'ar use in tlio free cities of Italy, in the Netlicriands, Hamburg, &c. So incon- 
 siderable then were our foreign commercial dealings." Id., pp. 274, 373, 374. 
 
 Macplierson, in his Annals of Commerce, Vol. 1, p. S67, states as follows : "1202, 
 January 6tlj. King John, having occasion to send two agents to Rome, where no 
 business could be forwarded without money, furnished them with a letter addressed to 
 all merchanlH, whei-eby he bound himself to repay the sums advanced to his agents, &c., 
 at such time as should be agreed upon, to ariji person presenting his letter, together 
 with the acknowledgment of his agents for the sum received by them." He is said to 
 have repeatedly practised the same method, and an earlier instance is referred to 
 His iiuthr)rity is Prynne's Hist, of King John, pp. .'i, 1 1 . 
 
 The following legend, says Mr. Johnson ( I,inv of Hills of Ex., London, 1839^ ha"
 
 CH. I.] ORIGIN AND FUNCTION OF NOTES AND BILLS. 5 
 
 supply their wants. How long this state of things continued, or 
 how long this interchange was effected by means of barter alone, 
 we do not know, because, at the beginning of recorded history, 
 we find money in use among men. This was a great step in ad- 
 vance. Something was found to represent all other things in this 
 business of interchange. The articles originally used for this 
 purpose were two metals, so generally found, and in such quan- 
 tities, as to be sufficient for the purpose, and yet not found with- 
 out an expenditure of time and labor which would prevent them 
 from becoming too common, and would thus impart to them a 
 sufficient value. And the experience of all subsequent ages has 
 
 with all gravity, been adduced to prove that hills of exchange were used in the fourth 
 century: " The philosopher Synesius, afterwards Bishop of Ptolomais, about 410, hav- 
 ing converted a pagan philosopher, Evagrius of Cyrene, to Christianity, the convert 
 soon afterwards brought to Synesius three hundred pieces of gold for the poor, re- 
 questing a bill, under his hand, that Christ should repay it him in another world, with 
 which Synesius complied ; and not long after, Evagrius being about to die, he directed 
 this bill to be deposited in his coffin. Soon after his death, he appeared in a vision to 
 his friend the Bishop, and told him to come to his grave and take his bill, which upon 
 Synesius doing, he found his bill in the hand of the corpse, with this receipt written 
 upon it : 'I, Evagrius the philosopher, salute thee, most holy Bishop Synesius. I 
 have received the debt which in this paper is written with thy own handwriting. I am 
 satisfied, and have no lawful claim for the gold which I gave to thee, and by thee to 
 Christ, our God and Saviour.' Good Richard Baxter, when commenting upon this 
 marvellous story, which he evidently believed, very gravely remarks : ' If any be 
 causelessly incredulous, there are surer arguments which we have ready at hand to 
 convince him by.' " 
 
 The following form of bills in use about the year 1500 in England is taken by Mr. 
 Johnson from the Chronicle of Richard Arnolde : " Be it knowen to all M*. y' I, R. A. 
 Citezen and Habd'. of London, have ress'. by Exchange of N A. Mercer of the same 
 Cite XX. li. St.] whiche twenty Ponde St. to be payed to the sayd N. or to the Bringei 
 of this Byll, in Synxten Marte next comyng, for VI. 's viij. d' st] IX. s. iiij. g. fll.] 
 Money Currant in the sayd Marte ; and yf ony dcfaut of payement be at the Day in 
 alle or ony part y'^rof, that I promyse to make good all Costes and scathes that may 
 growe therby for defaute of payement, and hereto I bynde me myn Executours and all 
 ■ny Goodis wheresoever they may be founde, in Wytnesse whereof I have written and 
 sealyed this Byll, the X Day of Marche A° Dni. MCCCC. &c." Mention is made 
 of " letteres d'eschange," in stat. 3 Rich. II. c. 3 (1379). The first reported case is 
 Martin v. Boure (1 Jac. 1), Cro. Jac. 6. 
 
 See further upon this point, 3 Kent Com. 71, 72 ; Story on Bills, §§ 5 - 11 ; Chitty 
 on Bills, pp. 10, 11; Glen on Bills, pp. 1-9; Pothier, La Traite du Contrat de 
 Change, Partie 1, chap. 1 ; Montesquieu, Spirit of Laws, B. xxi. chap. 20 ; ]Molloy, 
 De Jure Marit. et Nav., B. 2, chap. 10 ; Anderson on Commerce, Vol. 1, pp. 204, 385, 
 411, 422 ; Macpherson's Annals, Vol. 1, pp. 399, 474, 571, 592, 602, 615 ; Hallam'g 
 Intr. to Lit, of Eu-ope, Vol. I, p. 68, note; Smith's Wealth of Nations, Vol. 1, 
 ». 38. 
 
 1*
 
 6 NOTES AND BILLS. [CH.I 
 
 proved that the selection was either very fortunate or very wise, 
 for gold and silver have remained to this day the most universal 
 and the most adequate representatives of all property. From 
 the earliest intimations it may be inferred that these metals were 
 first used as a medium of exchange, by weight ; but another step 
 was taken at a period so remote that we have no certain knowl- 
 edge of it, and then they were coined into money. 
 
 Tliis instrument of commerce answered all the purposes for 
 which it was wanted for many ages. It satisfied all the require- 
 ments of social life, and of commerce, through the early Eastern 
 empires, and those of Greece and Rome. It is said that some kind 
 of paper-money was used in Tartary, or China, or Japan, a thou- 
 sand years ago ; but little is known about this.(cZ) In Europe, 
 gold and silver money were the only circulating medium, and were 
 sufficient; but five or six hundred years ago the discovery was 
 made of a new circulating medium, of which it is the characteristic 
 quality, that it represents that which represents everything else. 
 
 The use of money enlarged human intercourse, or so much of 
 it as may be included in the widest sense of the word commerce. 
 It made interchanges possible and easy, which would otherwise 
 have been very difficult, if not impossible. We cannot imagine, 
 for example, the whole commerce of Greece and Rome, or a hun- 
 dredth part of it, carried on by actual barter of commodities. 
 Precisely in the same way, the invention and use of paper to rep- 
 resent money gave a new enlargement to commercial intercourse, 
 and greatly increased its facilities and its possibilities. For we 
 could not now suppose the commercial intercourse between Amer- 
 ica and Europe, for example, to be carried on wholly by actual 
 exchange of the precious metals, — as must be the case if bills 
 and notes were abandoned, — without a cost and hindrance which 
 would be fatal to a very large part of it. 
 
 The invention and use of money conferred upon mankind the 
 vast benefits which have ever flowed therefrom, because money 
 represented all otlier commodities, and for no other reason what- 
 ever, lie who liad any superfluities on hand was no longer 
 obliged to take the trouble of storing them and the risk of their 
 
 (>l) 4 Moil. Univers. Hist. 4'.)'.». 'I'lic ourlicst acr.ouiit ol' tliis is in tlio travels of 
 Marco I'olo.
 
 CH. I.] ORIGIN AND FUNCTION OF NOTES AND BILLS. 7 
 
 destruction, or to save them by exchanging them for the super 
 fluities of some accessible neighbor, whether these were precisely 
 what he wanted or not. For now he might sell his superfluities, 
 and their value was then invested in something easily preserved, 
 and which could always be exchanged for the very article he 
 wanted, as soon as he found it within his reach. But after a 
 time, this exchange was to be made in such quantities, and at 
 such distances, that it cost too much in time and trouble to be 
 profitable ; and here is a natural limit to commerce by mere 
 money, which seems to have been reached by the nations of Eu- 
 rope some few centuries ago. Beyond this, therefore, it is plain 
 that commerce could not have grown, unless new facilities, by 
 means of new instruments, had been provided for it ; and this 
 was done by the invention and use of bills of exchange. Just 
 as, by the help of money, a hundred oxen could be exchanged 
 for a hundred pieces of cloth, at distances which would have 
 made the actual transfer of the oxen and the cloth too onerous 
 to be advantageous, so now, commercial transactions which would 
 have required large bags or boxes of money to be sent back and 
 forth at great cost, both of time and money, and with much 
 trouble and some hazard, can be carried into full effect, with 
 equal promptitude, safety, and facility, by exchanging small pieces 
 of paper. And these two inventions, one made at the beginning 
 of human society, and the other but a few centuries since, are 
 useful for precisely the same reason ; money represents all com- 
 modities, and so prevents the necessity of an actual exchange of 
 commodities ; and bills and notes represent money, and so pre- 
 vent the necessity of an actual transfer of money. 
 
 Moreover, as gold and silver were first used by weight, and 
 it was a distinct though very speedy improvement to coin them 
 into money, so bills of exchange were first used only for the 
 benefit of a specified payee, but were soon perfected into the 
 indispensable instrument of commerce which they now are by 
 being made negotiable. For this adds an entirely new element 
 to th .ir utility. By means of indorsements, which may be ex- 
 tended indefinitely, negotiable paper not merely makes money 
 m one place or at que time become money in another place or 
 at another time, without actual transfer, and not merely makes 
 credit the equivalent of money, but it represents aiid carries 
 with it the accumulated credit of all who become parties to 
 tlie paper.
 
 8 NOTES AND BILLS. [CII. L 
 
 We have thus stated at some length our views of the purpose j 
 or as it might be called, iii technical phrase, the final cause, 
 of the invention and use of negotiable paper in the forms in 
 which it is now commonly employed, because we believe that we 
 reach, in this way, the foundation on which all the principles of 
 law peculiar to negotiable paper finally rest. For the law exists 
 for the sake of those interests which it defines and guards, and 
 is adequate to its object or otherwise, exactly in the proportion 
 in which it actually subserves or hinders the purposes of those 
 institutions or usages for which it lays down the rules. In the 
 present instance, the law of negotiable paper is what it should 
 be, in the degree in which it causes or permits negotiable paper 
 to become that exact representative of money, which such paper 
 was invented and is used for. And we shall be able to see, 
 with great clearness, that the principles of this law are very 
 accurately adapted to this end.(e) 
 
 We shall find it useful to look at this end and purpose, when 
 we are seeking to determine what are, and what are not, the 
 true principles of this law. And, perhaps, if we find rules 
 still in force, or held by one court or anotlier, which cannot 
 be regarded as well adapted to carry out this representation 
 of money by paper, and make it secure, safe, and effectual, we 
 
 (e) The most striking characteristic of money, as distinguished from other species of 
 property, is tiie facility and freedom with which it circulates. By means of the stamp, 
 its precise value is ascertained by mere inspection ; and, by a rule of law, which wo 
 shall notice hereafter, the possession of the bearer is conclusive evidence of title, for 
 the protection of those who deal witli him in good faith. Any one taking it, therefore, 
 in the course of business, need look no further than to the face of the coin and the pos- 
 session of the person from whom lie receives it. These are qualities which every repre- 
 sentative of money must possess in order to answer its purpose effectually ; and we shall 
 see that negotiable paper does possess them in an eminent degree. In Gibson ;;. Minet, 
 1 H. HI. C06, Eyre, C. B. said: " Everything which is necessary to be known, in order 
 that it may be seen whether a writing is a bill of exchange, and as such by the custom 
 of merchants jjartakes of the nature of a specialty, and creates a debt or duty by its 
 awn proper force, whether by the same custom it be assignable, and how it shall be 
 assigned, and whether it has in fact been assigned agreeal)lo to the custom, appears at 
 once by the bare inspection of the writing ; with tlie circumstance, in the case of a bill 
 payui)le to bearer, of that liill being in tiie possession of him wlio claims title to it. The 
 wit of man cannot devise a tiling better calculated fur circulation. The value of the 
 writing, the assignalile ipiality of it, and the particular mode of assigning it, are created 
 and di'.lcrmined in the original frame and constitution of tlie instrument itself; and the 
 party to whom such a i)ill of exchange is tendered has only to read it, need look no 
 further, and has nothing to do with any private history that may belong to it."
 
 CH. I.] ORIGIN AND FUNCTION OF NOTES AND BILLS. 9 
 
 may be able to discover that these rules have been brought 
 from the common law, where their use and purpose were very 
 different, and have not yet been moulded either by usage or 
 adjudication, that is, either by merchants or by courts, into a 
 suitable conformity with the nature and objects of this peculiai 
 class of mercantile contracts. 
 
 It is quite important to remember, that it is this element of 
 negotiability which makes a contract founded upon paper thus 
 adapted for circulation different in many important particulars 
 from other contracts known to tlie common law. For this very 
 characteristic quality of negotiability was itself unknown to the 
 common law. A simple promissory note, or, in other words, a 
 written promise to pay money, must have been in use among men 
 almost as long as the art of writing. Indeed, references to just 
 Buch an instrument as this are found in the civil law.(/) But 
 when negotiable promissory notes were first used, and when they 
 were first recognized, with all the negotiable qualities which now 
 belong to them, by the law of England, are questions of consid- 
 erable difficulty. In 1704, a statute of Queen Anne {g-) enacted, 
 " That all notes in writing that shall be made and signed by any 
 person, &c., wherel)y such person, <fcc. shall promise to pay to 
 any other person, &c., his, her, or their order, or unto bearer, 
 any sum of money mentioned in such note, shall be taken and 
 construed to be, by virtue thereof, due and payable to any such 
 person, <fec. to whom the same is made payable ; and also every 
 such note payable to any person, (fee, his, her, or their order, 
 shall be assignable or indorsable over, in the same manner as 
 inland bills of exchange are or may be, according to the cus- 
 tom of merchants ; and that the person, &c. to whom such sum 
 of money is or shall be by such note made payable, shall and may 
 maintain an action for the same, in such manner as he, she, or 
 Lliey might do upon any inland bill of exchange, made or drawn 
 according to the custom of merchants, against the person, &c. 
 who signed the same ; and that any person, <fec. to whom such 
 note that is payable to any person, <fcc., his, her, or their order, is 
 indorsed or assigned, or the money therein mentioned ordered to 
 be paid by indorsement thereon, shall and may maintain his, her, 
 
 (/) Dig. lib. 22, tit. 1, 41, ^ 2; Dig. lib. 2, tit. 14, 47. 
 (g) 3 and 4 Anne, c. 9.
 
 %0 NOTES AND BILLS. [CH. I. 
 
 or their action for such sum of money, either against tlie pcson, 
 <fec. who signed such note, or against any of the persons that 
 indorsed the same, in like manner as in cases of inland bills of 
 exchange." 
 
 The preamble of this statute recites as the cause of it, that 
 promissory notes had been held not negotiable. This doctrine is 
 generally ascribed to Lord Holt, who is considered as urging it 
 wdtli much pertinacity, against the wishes and opinions of his re- 
 luctant brethren. But it seems as if he held a promissory note 
 payable to order to be non-negotiable in form, but not in sub- 
 stance ; for he says, in the case of Buller v. Crips, (A) which was 
 determined in 1702, and to which the Parliament probably re- 
 ferred especially : " If the indorsee had brought this action against 
 the indorser, it might peradventure lie ; for the indorsement may 
 be said to be tantamount to the drawing of a new bill for so 
 much as the note is for upon the person that gave the note." 
 And certainly the indorsee then would not claim as assignee of 
 the note, but as indorsee under the law merchant. Nor can it be 
 said that the statute of Anne, by the words in the preamble, " it 
 hath been held," &c., affirms this to have been the law ; but the 
 better construction may be, that the Parliament thought the court 
 mistaken, and hastened to prevent their erroneous decision from 
 becoming law, by their controlling statute. This view is, per- 
 haps, supported by the language used in respect to Lord Holt's 
 ruling on this point; thus, in Grant i?. Vaughan,(i) Sir F. Norton 
 and Mr. Dunning', on behalf of the plaintiff, remarked, that he 
 was " peevish " ; and Lord Mansfield said, " Lord Holt got into 
 a dispute with the city about it " ; by the city, meaning the mer- 
 chants of London. In the same case, (7) Lord Mansfield spoke 
 of the " first struggle of the merchants," which " made Holt so 
 angry with them," and though he thinks the merchants were in 
 the wrong, he says the reasons given by the judges " are equally 
 ill-foimded." This question may have some importance ; be- 
 cause it is in fact the question, What were notes of this kind, by 
 
 (/i) f. Mod. 29. This iiction \v:is I)y an indorsee of ii j)n))nissory note ngains* the 
 milker; and Lord Uoll was of opinion iliat liio action would not lie, liut nc jiidgmeni 
 was given. 
 
 (1) .'J Hnrr. 1520. 
 
 (j) 1 \V. Jil. 485, 487.
 
 CH. I.J ORIGIN AND FUNCTION OF NOTES AND BILLS. 11 
 
 the law of England, before the statute of Anne ? And this ques- 
 tion is again the question, What is the law in respect to them in 
 those of our States in which the statute of Anne is not in force 'i 
 It is true that in most, or perhaps all, of these States, other stat- 
 utory provisions, or a course of adjudication, have placed these 
 notes on a somewhat similar ground with that which they oc- 
 cupy by the statute of Anne ; but not, perhaps, so as to render 
 quite unimportant the question, What was the law before this 
 statute ? We have not space to examine this question at length, 
 and upon the authorities, but will content ourselves with saying, 
 that we incline to hold, first, that foreign negotiable bills were in 
 use and were known to the law long before negotiable notes were 
 known ; (k) and, second, that inland negotiable bills were in use 
 before negotiable notes, which, however, is not quite certain ; (l) 
 third, that inland bills and notes were confounded together in the 
 use of them by merchants, and were considered as the same 
 
 {k) It is certain that foi-eign bills of exchange were known to the courts as early as 
 the reign of Elizabeth, for there are extant precedents of declarations upon them of that 
 period. Sec Rastell's Entries, 10 a, 338 a. The earliest reported case in which they 
 are mentioned is Martin v. Boure (1 Jac. 1), Cro. Jac. 6. 
 
 (/) In Bromwich v. Loyd, 2 Lutw. 1585, Treby, C. J. said : "Bills of exchange at 
 first were extended only to merchant strangers trafficking with English merchants, and 
 afterwards to inland bills between merchants trafficking one with another here in Eng- 
 land, and then to all persons trafficking and negotiating, and recently to all persons, 
 whether trafficking or not." The better opinion is, that inland bills of exchange came 
 into use about the middle of the seventeenth century. The earliest case in the books, 
 which appears clearly to have been upon an inland bill, is Chat v. Edgar, 1 Keb. 6&6 
 (1663). In that case, a butciier, having bought cattle of the plaintiff, who was a grazier 
 in Norfolk, came to the defendant, who was a parson, and desired him (as he had 
 money in London) to draw a bill on J. S. in London, in whose hands it was, payable 
 to the plaintiff, and that he would repay the parson in the country. The parson drew 
 the bill, with private advice to J. S. not to pay the plaintiff till he, the parson, had 
 received the money of the butcher, who broke and became insolvent ; and so, on def;iult 
 of payment by J. S., the plaintiff brought his action against the parson, as drawer of 
 the bill. No objection appears to have been made on the ground that the bill was 
 inland. In BuUer v. Crips, 6 Mod. 29 (1702), Holt, C.J. said: "I remember when 
 actions upon inland bills of exchange did first begin ; and there they laid a particular 
 custom between London and Bristol ; and it was an action against the acceptor; the 
 defendant's counsel would put them to prove the custom ; at which. Hale, C. J., who 
 tried it, laughed, and said they had a hopeful case of it. And in my Lord North's 
 time it was said, that the custom in that case was part of the common law of England ; 
 and these actions since became frequent, as the trade of the nation did increase ; and 
 all the difference between foreign bills and inland bills is, that foreign bills umst be 
 protested before a pablic notary before the drawer can be charged, but < aland bills 
 need no protest."
 
 12 NOTES AND BILLS. [CH. I 
 
 thing, both by them and by some of the courts ; (m) fourth, that 
 these notes, althchigh not always discriminated by name from 
 bills of exchange, were certainly in common use before that 
 statute, as may be inferred from the insisting of the merchants 
 
 {m) Por this reason it is impossible to trace the history of promissory notes, prior to 
 the statute of Anne, with any great degree of accuracy. In Grant v. Vaughan, 3 Burr. 
 1.525, Lord Mansfield said : " Upon looking into the reports of the cases on this head, 
 in the times of King William the Third and Queen Anne, it is difficult to discover by 
 them when the question arises upon a 6(7/, and when upon a note ; for the reporters do 
 not express themselves with sufficient precision, but use the words ' wote ' and ' bill ' pro- 
 miscuously." The truth probably is, that the term promissory note was not much in use 
 prior to the statute of Anne. Li Lord Holt's time, the question was, not whether the 
 instruments which are now known as promissory notes were negotiable, as distinct and 
 diffisrent instruments from bills of exchange, but whether they were bills of exchange. 
 This sufficiently appears from the cases of that period. Thus, in Gierke v Martin, 2 
 Ld. Kaym. 757, the plaintiff counted upon the custom of merchants, as upon a bill of 
 exchange ; and showed that the defendant gave a note, subscribed by himself, by which 
 
 he promised to. pay to the plaintiiF or his order. A verdict having been given for 
 
 plaintiff, it was moved, in arrest of judgment, that this note was not a bill of exchange 
 within the custom of merchants, and therefore the phiintilf, having declared upon it 
 as such, was wrong. It was argued by Shoicer, for the plaintiff, that this note, being 
 payable to the plaintiff or his order, was a bill of exchange, inasmuch as by its nature 
 it was negotiable ; that there was no difference in reason between a note which saith, 
 " I promise to pay to J. S. or order," &c., and a note which saith, '• I pray you to pay 
 to J. S. or order," &c. ; they were both equally negotiable ; and to make such a note a 
 bill of exchange could be no wrong to the defendant. " But Holt, C. J. was iotis viri- 
 bus against the action ; and said that this note could not be a bill of exchange. That 
 the maintaining of these actions upon such notes were innovations upon the rules of 
 the common law ; and that it amounted to the setting up a new sort of specialty un- 
 known to the common law, and invented in Lombard Street, wliicii attempted in the.se 
 matters of bills of exchange to give laws to Westminster Hall. That the continuing 
 to declare upon these notes upon the custom of merchants proceeded from obstinacy 
 and opinionativeness, since lie had always expressed his opinion against them, and 
 since tliere was so easy a metliod, as to declare u])on a general imkhitutus assumpsit 
 for money lent," &c. And see Potter v. Pearson, 2 Ld. Raym. 759 ; Burton v. Souter, 
 2 Ld. Raym. 774 ; Williams v. Cutting, 2 Ld. Raym. 825, 7 Mod. 154. BuUer v. Crips, 
 6 Mod. 29, was an action ujion a note by the indorsee against the maker ; and the 
 plaintiff de(-lared upon tlie custom of merciiants as upon a bill of exchange. Upon a 
 motion in arrest of judgment, Holt, C. J. said : " The notes in question arc only an in- 
 vention of TiiK GOi.ns.MiTiis ill fjiinhdvii Street, who had a mind to make a law to bind 
 all tiiose that did deal with tlu-m ; and sure to allow such a note to carry any lien with 
 it were to tuni a |)ii;ce of pa[)cr, which is in law but evidence of a parol contract, into 
 a specialty ; and besides, it would empower one to assign tliat to another which ho 
 Cf>nld not have; liimself ; for since ho to whom tliis note was made could not have this 
 action, how can his nfisigne(! lniv(^ it? And these notes are not in the nature of bills of 
 exchange; for the reason of the custom of bills of cxchan;:(^ is for the expedition of 
 trade iiiid its safety ; and likewise it hinders tlie exi)orf!ition nf money out of the realm." 
 At another day he said, " that lie liad desired to speak with two of the most famous
 
 CH. I.] ORIGIN AND FUNCTION OF NOTES AND BILLS 13 
 
 Oil the great mischief which would result from the denial of their 
 negotiability, they telling Lord Holt " that it was very frequent 
 with them to make such notes, and that they looked upon them 
 as bills of exchange, and that they had been used for a matter 
 of thirty years " ; {n) and fifth, that these notes were, therefore, at 
 the time the statute was made, negotiable by the law merchant 
 of England, which was and is as much a part of the law of Eng- 
 land as — to use the strong language of Christian — the laws 
 relating to marriage or murder, (o) 
 
 merchants in London, to be infomied of the mighty ill consequences that it was pre- 
 tended would ensue by obstructing this course ; and that they had told him it was 
 very frequent with them to make such notes, and that they looked upon them as bills 
 of exchange, and that they had been used for a matter of thirty years, and that not 
 only notes, but bonds for money, were transferred frequently, and indorsed as bills of 
 exchange." 
 
 (n) See preceding note. 
 
 (o) 1 Bl. Com. 75, n. This question is fully considered in 1 Cranch, 367, Appen. 
 dix, fa. A, in a learned note by the reporter. And see Irvin v. Maury, 1 Misso. 194; 
 Dunn V. Adams, 1 Ala. 527, where it was held that promissory notes were negotiablf, 
 independently of the statute of Anne.
 
 14 NOTES AND BILLS. [CH. II. 
 
 CHAPTER II. 
 
 OF PROMISSORY NOTES. 
 
 SECTION I. 
 
 DEFINITIONS. 
 
 A PROMISSORY note is, in its simplest form, only a written 
 promise. A negotiable note is always a promise to pay money. 
 For a note payable in goods or personal property — a chattel note 
 so called — though made payable to order, is not negotiable; but it 
 may be assigned, and by parol. (oo) And if the goods are demanded 
 and refused at the time when the note is payable, it becomes a con- 
 tract for the payment of money. (op) He who promises signs the 
 note ; and the promise is made to a specified promisee, or to him or 
 his order, or to the promisor or his order, or to bearer or holder. 
 
 The promisor is considered as making the note, and is called the 
 maker. The promisee is called the payee. Where the promise is 
 to pay to a specified payee, without further words, the note is not 
 negotiable. Such a promissory note is little more than evidence 
 of indebtedness, although there are some rules of law which are 
 peculiar to this instrument. These we will consider hereafter. At 
 present, we speak particularly of a note made payable to order ; it 
 may be to the promisor or order,(2)) to the promisee or order, to 
 the order of the promisor, or to the order of tiie promisee ;(5') in 
 either case, and equally, it is a negotiable note. 
 
 The word "negotiable," from the Latin word "negotium," 
 
 (oo) Brmvn v. Riclmnlson, 20 N. Y. 472. 
 
 (op) NcHl>itt»i. Pearson, .S;i A liil). 608 ; Kcail c. S( iirtcvant, 40 Vt. 521. Sec a pecu- 
 liar case f)n a i-liattcl m>U'., in Iluse v. ilamlilin, 2'.) Iowa, .^Ol. 
 
 ( j>) See poHl, ]). 18, note V. 
 
 (//) \t seems to have liei'ii once a inattcrof d.mht \vh(',tli"V'i note payahle to the "order 
 of A. M." was entirely ei|Mi\Ml('nt to one |payal)le to " A. 15. or his onh'r," it hein;; ob- 
 jectcil that in the former case no one- lint an iuiiorsee of A. H. could sue upon tile note, 
 and that A. H. himsell conld not, at least wiliioiit indorsing; it to himself. Rut it was 
 lon^ since setth^d, tlnit a Ml! or note payable to a man and his order, or to his order 
 
 only, is one and tlic same. See Kisher u. I'onifret, 12 Mod. 125; v. Ormston, 
 
 10 "Mod. 2Hf,; Kredericl< ;'. Cotton, 2 Sliow. K; Smith ii. M'Clnre, 5 East, 470. In 
 this last ca-i! Lord h'llriih'>ri>iii//i saiil : ".\ liill payable to a man's own order was pay- 
 able to himself, if he did not order it to be paid to any other." And see Sherman v. 
 Goblc, 4 C;omi. 210; llulinj,' i>. \hii;'j;, 1 Wnlls & S. 4i8.
 
 CH. II.] DEFINITIONS. 15 
 
 which is adequately translated by " business," is given to notes 
 of this description, because they derive from this word " order " 
 the capacity of entering into commercial business as an instru- 
 ment of the greatest importance. By far the greater part of the 
 business of this country is done by means of them. The reason 
 why, by the use of this word, they become this instrument, is, 
 that if A promises to pay B, no one but A and B are parties 
 to this contract ; no one else can become a party to it, so as 
 to enforce it in his own name, in the same way, and with the 
 same effect, as if he had been an original party. A note which 
 is not to order, or not negotiable, can be transferred, and the 
 new owner collect it in a certain way and under certain cir- 
 cumstances, which will be hereafter considered. But if the note 
 be payable to order, it is a very different instrument. Then, A 
 promises not merely to pay B, but either B, or, at B's election, 
 such other person as B may order A to pay the note to. There- 
 fore, when B orders A to pay the note to C, it follows that C 
 may claim payment as if the note had been originally payable 
 to himself, or, in other words, C stands fully in the place of B. 
 And if B orders A to pay the note to C or his order, then C 
 has the same power of substituting another that B originally 
 had, and this substitute may have the same power, and this 
 indefinitely. This order is regularly made by writing on the 
 back of the note ; or, in the language of the law merchant, by 
 indorsement. 
 
 It was once questioned whether the negotiability of a note, 
 created by the use of the words " or order," was not exhausted 
 by the first order given ; that is, by the first indorsement. It 
 is now, however, well settled, that these words give to a bill or 
 note a permanent negotiability, so that an indorsement gives to 
 any indorsee the right of further indorsement, and the same to 
 his indorsee, and so on, indefinitely ; and therefore these words 
 " or order" never need to be repeated in the indorsement, (r) 
 
 (r) This was first decided in More v. Manning, 1 Corayns, 311. That was an action 
 of assumpsit upon a promissory note, made by the defendant, and payable to one 
 Statham and order ; Statham assigned it to Witherhead, and Witherhead to the plaintiff'; 
 and upon a demurrer to the declaration an exception was taken, because the assignment 
 was made to Witherhead, without saying to him and order, and then he could not assign 
 it over ; for by this means Statham, who had assigned the note to Witherhead, without 
 subjecting himself to his order, would be made liable to be sued by any subsequent 
 indorsee. "And to this the chief justice at first inclined, but aftervvards it was re-
 
 16 NOTES AND BILLS. [CH, EL 
 
 It has even been doubted whether an indorser can, by a re- 
 strictive indorsement, limit or prevent indorsement by the in- 
 dorsee. (5) It is, however, now quite clear, that indorsements may 
 be made restrictive, in any way that the indorser pleases, by the 
 
 solved by the whole court that it was good. For if the original bill was assignable, 
 (as it will be if it be payable to one and his order,) then he to whonasoever it is as- 
 signed has all the interest in the bill, and may assign it as he pleases." A few years 
 later, in Acheson v. Fountain, 1 Stra. 557, it appeared that the plaintiff had declared 
 upon an indorsement made by William Ahercrombie, whereby he appointed the pay- 
 ment to be to Louisa Acheson or order ; and upon producing the bill in evidence, it 
 appeared to be payable to Abercrombie, or order ; but the indorsement was only in these 
 words, " Pray pay the contents to Louisa Acheson " ; and therefore it was objected 
 that the indorsement, not being to order, did not agree with the plaintiff's declaration. 
 " But upon consideration, the whole court were of opinion it was well enough, that 
 being the legal import of the indorsement, and that the plaintiff might upon this have 
 indorsed it over to another, which would be the proper order of the first indorser." 
 But the question was not set at rest until the case of Edie v. East India Co., 2 Burr. 
 1216. That was an action upon a foreign bill of exchange, drawn upon and accepted 
 by the defendant. The bill was payable to one Campbell or order, and was indorsed 
 by him to one Ogilby, and by Ogilby to the plaintiff. The indorsement to Ogilby 
 was without the words " or order " ; and it would seem from the case that it was 
 made to him as the agent or servant of Campbell, and without consideration. After 
 the indorsement to the plaintiff, Ogilby became insolvent, and the question was, whether 
 the plaintiff or Campbell should bear the loss. Upon the trial, Lord Mansfield per- 
 mitted the defendant to put in evidence as to the usage of merchants. Whereupon the 
 cashier of the Bank of England testified, "that the bank, if they ever discounted the 
 bills not indorsed to order, did it only upon the credit of tJie indorser ; but that other- 
 wise they would not take them, not considering them as being negotiable." Another 
 witness testified that an indorsement without these words was restrictive to the particular 
 person specified in the indorsement, and was merely in the nature of a personal authority 
 to receive the money. On the other hand, a notary-public, called by the plaintiff, testi- 
 fied, tliat a hill was " negotiable, notwithstanding the omission of these words, and 
 that no objection of this sort was ever made. Indeed, if the bill should be indorsed, 
 'Pay the contents to A. B onhj^' it was looked upon to be a restriction of the payment 
 to A. Ji. personally." Ilis Lordship instructed the jury, that, by the general law, (laying 
 the usage out of the case,) the indorsement would follow the nature of the original bill, 
 and be an alisolute assignment to the indorsee or his order ; but upon tiic evidence of 
 usage, he left the question to the jury, wiio found a verdict for the defendant. Upon 
 a motion for a new trial, the whole court held that the evidence of usage ought not to 
 have been received, because the law was settled by the two cases cited above. And 
 upon the merits of the question. Lord Mansjield said : "A draught drawn upon one 
 person, directing him to pny money to another or order, is, in its original creation, not 
 an authority, but n bill of exchange, .and is negotiable. It belongs to the payee, to do 
 what he thinks proper with it, and to use it as best suits his convenience. It is his 
 properti/ ; and lie may assign it as such, and to whom he pleases ; and his direction 
 ' to pay it to sucli a one,' is a direction ' to pay it to him or his order ' ; for he assigns 
 2iiti whole property in it, and has had a valuable consideration for so doing." 
 
 (a) Thus, in Edie v. East India Co., 2 Burr. 1210, 1226, \Vitmot,J. said : "There ia 
 a great deal of difference between giving a naked authority to receive it and transfer-
 
 CH. II.] DEFINITIONS. 17 
 
 use of express and definite terras. (^) We shall consider this 
 question more fully hereafter, when treating of indorsement. 
 
 If the note be made by A and be payable to A's own order, 
 there is then no payee or promisee, until A orders himself, by an 
 indorsement in blank, or by a special indorsement, to pay the 
 note to B or C or some one else ; then the person to whom pay- 
 ment of the note is thus ordered to be made becomes the payee 
 or promisee, in like manner as if his name had been originally 
 inserted. Such a note indorsed in blank is equivalent to a note 
 payable to bearer. (?/) If a bill be drawn on the drawer, payable 
 to the drawer or order, the drawer may accept it, and indorse it, 
 and thus hold all these relations to an indorsee. We apprehend 
 that bills are seldom so drawn, but notes are very frequently 
 made payable to the maker's own order, and indorsed by him. 
 Indeed, in some of our larger cities, the majority of notes given 
 for goods are made in this way. The reason is obvious. One 
 who receives such a note may sell it, or offer it for discount, 
 without adding his own name so as to be liable as an indorser ; 
 and without adding his name together with the words " without 
 recourse," or any other which would cast suspicion. For a simi- 
 lar reason, if a merchant in large business caused only the 
 feeble notes which he took to be indorsed by the maker, and so 
 made transferable without his own indorsement, this again would 
 impair their credit. If therefore he wishes, for the reasons above 
 
 ring it over by indorsement. And I doubt whether he can limit his indorsement of it 
 by way of assignment, or transfer to another, so as to preclude his assignee from 
 assigning it over as a thing negotiable. For the assignee purchases it for a valuable 
 consideration, and therefore purchases it with all its privileges, qualities, and advan- 
 tages, one of which is its negotiahilit3^ To be sure, he may give a mere naked 
 authority to a person to receive it for him ; he may write upon it, ' Pray pay the 
 money to my servant for my use ' ; or use such expressions as necessarily import that 
 he does not mean to indorse it over, but is only authorizing a particular person to 
 receive it for him and for his own use. In such case, it would be clear that no valuable 
 consideration had been paid him. But, at least, that intention must appear upon the 
 face of the indorsement. Whereas here no such thing, nor anything tending to it, 
 appears upon the f;ice of the indorsement ; it is a gen€ral assignment without any 
 restriction at all." And see, per Tindal, C. J., in Cunliffe v. Whitehead, ? Bing. N. C. 
 828 ; Gay v. Lander, 6 C. B. 336 ; Rice v. Stearns, 3 Mass. 225. As if the payee 
 indorse, " Pay the contents of the within to C. D. only.'" 
 
 {t) See Sigourney v. Lloyd, 8 B. & C. 622, 3 Man. & R. 58, 5 Bing. 525 ; Treuttel 
 V. Barandon, 8 Taunt. 100 ; Snee v. Prescot, 1 Atk. 245 ; Ancher v. Bank of England, 
 i Doug. 637. 
 
 (u) Hooper v Williams, 2 Exch. 13. 
 
 Vol. I.— B
 
 18 NOTES AND BILLS. [CH. H. 
 
 Stated, or any other, to have his notes in this form, he would 
 make it a rule to have all his notes so made. Then he could 
 indorse what notes he chose to, and not injure any by withhold- 
 ing his indorsement, (y) 
 
 (y) Notes of this kind are now common in England as well as in this country. At 
 what precise time they first came into use, and what was the occasion which gave rise 
 to them, it is impossible to say. Baron Parke, in Hooper r. Williams, 2 Exch. 21, char- 
 acterizes them as " securities in this informal, not to say absurd form, probably intro- 
 duced long after the statute of Anne, — for what good reason no one can tell, — and 
 become of late years exceedingly common." So Chief Justice Wilde, in Brown v. De 
 Winton, 6 C. B. 342, said that notes in this form, according to his experience, which 
 extended over a period exceeding forty years, were very far from uncommon. They 
 seem not to have attracted the attention of courts until a recent date. It has al- 
 wavs been the received opinion in this country, that instruments in tliis form were 
 negotiable within the statute of Anne, and that they differed in no material particular 
 from notes in the ordinary form. Such also, according to the observation of eminent 
 counsel in Brown v. De Winton, was the received opinion in England until the case 
 of Flight V. Maclean, 16 M&. W. 51. Since that case, the nature and construction 
 of instruments of this kind have been very learnedly and elaborately discussed 
 by the three principal common law courts in Westminster Hall. The case of 
 Flight V. Maclean came up in the Court of Exchequer in 1846. The declaration 
 stated that the defendant made his promissory note in writing, and thereby promised 
 to pay to the order of the defendant £ 500 two months after date, and that the 
 defendant then indorsed the same to the plaintiff. To this there was a special de- 
 murrer, assigning for cause, that it was uncertain whether the plaintiff meant to charge 
 the defendant as maker or as indorser of the note, and that a note payable to a man's 
 own order was not a legal instrument, and could not be negotiated. 'I'he court sus- 
 tained the demurrer without much discus.sion, "on the ground that the instrument in 
 question, made payable to the maker's order, was not a promissory note within the 
 statute of Anne, which requires that a promissory note, to be assignable, shall be made 
 payable by the party making it to some ' other person,' or his order, or unto bearer." 
 During the argument, however, Parke, B. put to the counsel this question : " Though 
 by the law merchant the note cannot he indorsed, could not the defendant make this a 
 promissory note by indorsing it to another person ? " This case was followed the next 
 year in the Queen's Bench by the case of Wood v. Mytton, 10 Q. B. 805, in which 
 precisely the same question was presented as in Flight v. Maclean, except that in the 
 latter it arose on a motion in arrest of judgment, whereas in the former it arose on a 
 special demurrer. The question was argued at considerable length, and Lord Denman, 
 after a very minute exninination of the statute of Anne, held that the instrument de- 
 clared on was a promissory note within the terms of the statute, and judgment was 
 niven for the plaintiff It is to be observed, however, that Patteson, J., during the 
 argument of this case, put to the counsel a question similar to that put by Baron 
 Parke in Flight v. Maclean. " Whatever," said he, "may be the case with respect to 
 a note like this before indorsement, may it not, as soon as it is indorsed, come within 
 the statute, either as a note payable to bearer, if it is indorsed in blank, or as a note 
 payable to the person designated, if it is indorsed in full 1 " In 1848 the question came 
 up again in the Court of Exchequer, in the case of Hooper v. Williams, 2 Exch. 13. 
 The inHtruincnt declared on in this case was similar to those in the two former cases, 
 being made payable to the defendant's own order, and by him indorsed in blank. The
 
 CH. n.] DEFINITIONS 19 
 
 If the note be payable to bearer or holder, then the promir? is 
 made to any and every person who obtains possession of the note, 
 and presents it for payment. This note also is negotiable ; but 
 in a somewhat different sense, and under a somewhat different 
 
 pleader, however, adopting the sug<jtestion of Mr. Baron Parlce and Mr. Justice Patte- 
 fon, declared as upon a note payable to bearer. At the trial the defendant objected 
 that there was a variance between the note and the declaration, and the case coming 
 before the court in banc upon this objection, Parke, B., in delivering the opinion of the 
 court, said : '' In Flight i: Maclean, this court held, on special demurrer to the first 
 count of a declaration stating a note payable to the order of the maker, and indorsed 
 to the plaintiff, that the count was bad, such a note not being within the statute of 
 Anne. The case of Wood v. Mytton afterwards came on in the Queen's Bench. It 
 was an action on a similar note indorsed to the plaintiff. After verdict, for the plain- 
 tiff, a motion was made in arrest of judgment ; and the court discharged the rule, hold- 
 ing, after a minute examination of all the provisions of the statute of Anne, that such a 
 note was within that statute, and assignable by indorsement. Though these decisions 
 are not at variance, as will be afterwards explained, the construction of the statute by 
 the two courts differs. After a careful perusal of the statute, we must say that we do 
 not think that it ever contemplated the case of notes payable to the maker's order, 
 which are incomplete instruments, and have no binding effect on any one till indorsed. 
 The Court of Queen's Bench thought, that, though the first part of the first section of 
 the statute of Anne applied only to notes payable to another person or his order, or to 
 bearer, which notes it makes obligatory between the parties ; yet tliat the second part 
 applies to every note payable to any person, and therefore includes a note payable to 
 the maker or his order. It appears to us that this is not the meaning of this part of 
 the section, which is, as we think, intended to make those instruments, to which it had 
 previously given an obligatory effect between the original parties, transferable to third 
 persons, so as to enable them to sue upon them as upon the tran.sfer of bills of ex- 
 change. The previous part of the section had given to the payee, when the note was 
 made payable to another person, or to another person or order, and to the bearer, 
 whoever at any time he might be, a right to sue ; thus providing entirely for notes pay- 
 able to bearer, whether in the hands of the original or a subsequent bearer. And then 
 the section proceeds to make the class of notes payable to a person or order transfer- 
 able. We think that the legislature, by the second part of the section, could only mean 
 to make that instrument which gave a right to sue assignable ; and no right to sue. 
 could exist in any one, in the case of a note payable to the maker's order, until the 
 order was made in the shape of an indorsement ; until that indorsement was made, it 
 was an imperfect instruinent, and, in truth, not a promissory note at all, and conse 
 quently not transferable under the statute. What, then, is the effect of the indorsement 
 to another person 1 We think it was to perfect the incomplete instrument, so that the 
 original writing and indorsement taken together became a binding contract, though an 
 mformal one, between the maker and the indorsee, and then, and not till then, it became 
 an assignable note. It is well settled, that no particular form of words is necessary to 
 constitute a promissory note. If a man draws an instrument in the form of a bill of 
 exchange on himself, and accepts it, it is a promissory note. If he says, ' I pay to 
 A. B. £ 100,' and adds an address to the instrument, it may be declared on as a note. 
 What, then, is the meaning of the instrument in question 1 Before the indorsement it 
 uiay be considered to be a promise to pay £ 150 two months after date to the person to 
 whom the maker should afterwards, by indorsement, order the amount to be paid, such
 
 20 NOTES AND BILLS. [CH. II 
 
 system uf rules from those notes which are payable to some 
 specific promisee or order. We shall speak of them more par- 
 ticularly hereafter. 
 
 indorsement being intended to have the same operation as if put on a complete note. 
 If, then, the indorsement should be to a particular person, or to A. B. or his order, if. 
 would be a note payable to that person, or to A. B. or his order ; and if in blank it 
 would be payable to bearer, in like manner as a sum secured by a complete note would 
 have been by similar indorsements. It may follow as a consequence, that the holder 
 might fill up the blank indorsement by writing over it his own name, and so make it 
 payable to himself, although it is not necessary to determine that point; and, reading 
 the note as payable to bearer, any one may afterwards indorse his own name, and so 
 make himself liable to subsequent holders, as the indorser of a complete note payable 
 to bearer would do. It appears to us, then, that the instrument in this case was, when 
 it first became a binding promissory note, a note payable to bearer, and consequently 
 was properly described in the declaration. Tliis view of the case reconciles the decision 
 of this court in Flight v. Maclean with that of the Queen's Bench in Wood v. Mytton ; 
 but not the reasons given for those decisions. In the case in this court the declaration 
 was bad on special demurrer, as it did not set out the legal effect of the instrument. 
 In that in the Queen's Bench, the motion being for arrest of judgment, the declaration 
 was, in substance, good; for it set out an inartificial contract, which had the legal effect 
 of a valid note, payable, as stated on the record, to the plaintiff. The difference between 
 the two courts in the construction of the statute is of no practical consequence, as, in 
 our view of the case, securities in this informal, not to say absurd, form are still not 
 invalid ; and it might be of much inconvenience if they were, for there is no doubt that 
 this form of note, probably introduced long after the statute of Anne, and for what 
 good reason no one can tell, has become, of late years, exceedingly common; and it is 
 obvious, that, until they are indorsed, they must always remain in the hands of the 
 maker himself, and so he can never be liable upon them." Shortly after the decision 
 of this case, the same question came up in the Common Bench, in the cases of Brown 
 V- De Winton, and Gay «;. Lander, 6 C. B. 336. Jn Brown v. De Winton the question 
 came up in the ^amc shape as in Wood v. Mytton, and Coltman, J., in giving the judg- 
 ment of the court, delivered a very able and elaborate opinion, in which he agreed en- 
 tirely with the view taken by the Court of Exchequer. In Gay v. Lander the question 
 was presented in a little different light. We have already seen that, when a note is 
 made payable to A. B. or his order, the words " his order " impart to the note a per- 
 manently assignable quality, into whose hands soever it may come ; so that, though 
 A. B. indorse the note to C. D. specially, without using the words "or his order," yet 
 C. D. may indorse it in turn to whomsoever he pleases. The point raised in Gay v. 
 Lander was, whether the indorsement should receive the same construction in the case 
 of a note payable to the order of the maker and by him indorsed, and the court held 
 that it should. Cullman, J., in delivering the opinion, said : " We think that the prin- 
 ciple on which the case of Brown v. De Winton was decided will extend to this case. 
 The principle on which that case was decided is, that the note, before it was indorsed, 
 was in tiic nature of a promise to pay to the person to whom the maker should after- 
 wards, by indorsement, order the amount to be paid ; and that, after the note is indorsed 
 and circulated, it must be taken, as against the party so making and indorsing the note, 
 that lie intended that his indorsement should have the same effect as an indorsement by 
 the payee of a note payal)l(! to the order of a person other than the maker would have 
 had. Now it is well cstablishi;d that, if a note be made payable to J. S. or order, and
 
 CH. U.] FORM OF PROinSSORY NOTES. 21 
 
 SECTION II. 
 
 OF THE FORM OF PROMISSORY NOTES. 
 
 Mr. Chitty says that the usual form of a promisi-'ory note in 
 England is: "£50 (or other proper sum). London (or other 
 place), 1st January, 1840 (or other proper date). Two months 
 after date (or at any other specified time, or on demand), I prom- 
 ise to pay to Mr. A. B. or order, fifty pounds, for value received. 
 (Signed) C D."(zr) In America a common form is: "New 
 York, January 1, 1854. Yalue received, I promise to pay A. B. 
 or order, one thousand dollars in four months. C. D." But as 
 no special form is necessary in law,(rf) so no one prevails in 
 practice to the exclusion of others. The collocation of the words 
 varies, the " value received " being often at the end ; and some- 
 times the promise is directly to the payee, as " I promise A. B. 
 to pay him or his order " ; and frequently the words " from " or 
 "after" "date" are added to the time of payment, although, 
 when not added, they are of course implied. 
 
 Firms doing much business frequently have note-books print- 
 ed, like check-books, with a margin, on which a memorandum 
 of the number, date, parties, and amount may be entered for 
 future reference and identification. It is usual in such printed 
 forms to leave the date, parties, and amount in blank ; but 
 everything may be printed but the signature. That must be 
 in writing. It has been held, incautiously we think, that an 
 indorsement may be written and signed in pencil only ; [y) 
 
 J. S., in such case, indorses the note specially to Smith & Co., without adding ' or 
 order,' Smith & Co. may convey a good title to any other person by indorsement." 
 It may, perhaps, be inferred from what fell from Baron Po.rlie in Hooper v. Williams, 
 that he entertained a different opinion on this last point, but the point did not arise 
 in that case, and probably his attention was not particularly directed to it See 
 Muldrow V. Caldwell, 7 Misso. 563; Lea v Branch Bank, 8 Port. Ala. 119 Scull 
 V. Edwards, 8 Eng. 24; Blackman v. Green, 24 Vt. 17; Little v. Rogers, 1 Met. 
 108 ; Potter v. Tyler, 2 Met. 58. 
 
 (w) Chitty on Bills (9th ed.), 516. 
 
 {x) Mon-is V. Lee, 1 Stra. 629, 2 Ld. Raym. 1396, 8 Mod. 362 ; Brooks v. Elkins, 2 
 M. & W. 74 ; Wheatley v. Williams, 1 M. Sl W. 533. 
 
 (y) Geary v. Physic, 5 B. & C. 234. This was assumpsit on a proi/iissory note by an 
 indorsee against the maker. It appeared that the indorsement was in pencil ; and it 
 was contended by the counsel for the defendant, that this was not such an indorsement 
 as the law and custom of merchants required, citing Co. Litt. 229 a, where Lord Coke,
 
 22 NOTES AND BILLS. [CH. IL 
 
 and this for reasons which would apply as well to the note itself. 
 We are, however, inclined to think that better reasons miglit be 
 drawn from the nature and purpose of negotiable promissory 
 notes, for requiring that they should be written and indorsed 
 in a way less open to fraud and uncertainty than in pencil. 
 Perhaps a distinction should be made between a negotiable prom- 
 issory note, which should in every respect be capable of becoming 
 a trustworthy and efficient instrument of business, and a note 
 
 speaking of a deed, says : " Here it is to be understood, that it ought to be in parch- 
 ment or in paper. For if a writing be made upon a piece of wood, or upon a piece of 
 linen, or in the bark of a tree, or on a stone, or the like, &c., and the same be sealed or 
 delivered, yet is it no deed, for a deed must be written, either in parchment or paper, 
 as before is said, for the writing upon these is the least subject to alteration or corrup- 
 tion." But the court held the indorsement good. And Abbott, C. J. said : " There is 
 no authority for saying, that, where the law requires a contract to be in writing, that 
 writing must be in ink. The passage cited from Lord Coke shows that a deed must 
 be written on paper or parchment, but it does not show that it must be written in ink. 
 That being so, I am of opinion that an indorsement on a bill of exchange may be by 
 writing in pencil. There is not any great danger that our decision will induce indi- 
 viduals to adopt such a mode of writing in preference to that in general u?e. The 
 im]3erfection of this mode of writing, its being so subject to obliteration, and the 
 impossibility of proving it wlien it is obliterated, will prevent its being generally 
 ado])tod. There being no authority to show that a contract which the law requires to 
 be in writing should be written in any particular mode, or with any specific material, 
 and the law of merchants requiring only that an indorsement of bills of exchange 
 should be in writing, without specifying the manner in which the writing is to be made, 
 I am of opinion that the indorsement in this case was a sufficient indorsement in writ- 
 ing within the meaning of the law of merchants, and that the property in the hill 
 passed by it to the plaintiff." Bai/laj, J. : "I think that a writing in pencil is a writ- 
 ing within the nu^aning of that term at common law, and that it is a writing within 
 the custom of merchants. I cannot see any reason why, when the law requires a con- 
 tract to be in writing, that contract sh.all be void if it be written in pencil. If the 
 character of the handwriting were thereby wholly destroyed, so as to be incapable of 
 proof, there might be something in the objection ; but it is not thereby destroyed, for, 
 when the writing is in pencil, proof of the character of the handwriting may still be 
 given. I think, tliercfore, that this is a valid writing at common law, and also that it 
 is an indorsement according to the usage and custom of merchants ; for that usage 
 only requires that the indorsement should be in writing, and not that that writing 
 should i)e made with any specific materials." 
 
 Tiie same point was (h-cided in Closson v. Stearns, 4 Vt. 11 ; Kcod v. Rcnrk, 14 
 Texas, .329 ; Brown v. Butchers', &c. Bank, fi Ilili, 44.3 ; Partridge r. Davis, 20 Vt. 
 490, 50.3. Testamentary instruments in pencil have frequently been admitted to pro- 
 bate. Sec Rymcs v. Clarkson, 1 I'hillim. 22; Green r. Skipworth, 1 Phillim. .53; 
 I)i<'kcnson v. Dickenson, 2 I'liillini 17.3 So it has been held that a memorandum 
 in pencil is sufiicicnt to satisfy tlu; Statute; of Frauds. Merritt ?». Ciason, 12 Johns. 
 102, s. c. n»m. Ciason v. Bailey, 14 Johns. 484; Draper v. Pattina, 2 Specrs, 292. 
 And in McDowcl v. CliamberH, I Strob. V,i\. .347, it was held that a dised in poi'.-!| was 
 sufficiuDt.
 
 CH. II.] FORM OF PROMISSORY NOTES. 23 
 
 not negotiable, in which evidence of indebtedness is all that is 
 wanted. The same remarks would apply to a signature or in- 
 dorsement by initials, on which a similar ruling has been made.(2r) 
 The signature by a mark is admitted from necessity ; but wo 
 think it should be declared and attested at the time, in writing, 
 as the mark of the maker, although it does not seem that the law 
 requires this. (a) 
 
 A note may be written on any substance capable of holding 
 writing, (6) although paper is most usual. Perhaps the law can 
 put no otlier check or limitation on this than to say that every- 
 thing unusual about a note subjects it to suspicion and rigid 
 scrutiny, and the form, the manner, and materials must all be 
 compatible with the requisite certainty. Thus, if the signature 
 be in the body of the note, as " I, A, promise," &c., this has 
 been declared sufficient ; but it is suspicious. (c) 
 
 We have said that no particular form has been required by 
 law ; but many cases have turned upon the question whether 
 there was precision and certainty enough in an instrument to 
 constitute it a promissory note.{d) Perhaps it would be difficult 
 to draw from the cases any other rule than that a note must 
 contain a legal promise for the certain payment of a certain 
 sum, and that the maker and the payee must be designated 
 with sufficient certainty. If, to a receipt for money, the words 
 " to be returned when called for " are added ; (e) if the signer of 
 
 (z) Merchants' Bank v. Spicer, 6 Wend. 443 ; Palmer w. Stephens, 1 Denio, 471. And 
 in Brown v. Butchers', &c. Bank, 6 Hill, 443, where a party placed the figures "1.2. 8." 
 npon the back of a bill of exchange, in pencil, by way of substitute for his name, in- 
 tending thereby to bind himself as indorser, it was held a valid indorsement, though 
 it appeared he could write. 
 
 (a) George v. Surrjy, Moody & M. 516, was an action of assumpsit by an indorsee 
 against the accept'ir of a bill of exchange drawn by Ann Moore, payable to her own 
 order, and indorsed by her to the plaintiff. Ann Moore drew the bill by her mark, and 
 it was indorsed by mark ; the writing, " Ann Moore, her mark," on the indorsement, 
 being in the plaintiff's handwriting. A witness was called to prove the indorsement. 
 who stated he had frequently seen Ann Moore make her mark and so sign instruments, 
 and he pointed out some peculiarity. Tindal, C- J., after some hesitation, admitted 
 Ihe evidence as competent, and the plaintiff had a verdict. See cases cited in preced- 
 ing note. In Willoughby v. Moulton, 47 N. H. 205, it was held that a mark is a good 
 signature to a promissory note, without a subscribing witness to it. 
 
 (&) But see the citation from Co. Litt., snpra^ p. 22, as to deeds. 
 
 (<•) Taylor v. Dobbins, 1 Stra. 399; Elliot v. Cooper, 2 Ld. Kaym. 1376; Schmidt v. 
 Schmaetter, 45 Mo. 502. 
 
 (fZ) We shall state these cases fully when we come to consider the essential requi- 
 sites of negotiable promissory notes, in our third chapter. 
 
 (e) Woodfolk v. Leslie, 2 Nott & McC. 585.
 
 24 NOTES AND BILLS. [CH. EL 
 
 an instrument acknowledges in it that a certain sum of money 
 " is due to A, payable on demand " ; (/) or that a certain sum of 
 money is borrowed on the promise of payment thereof ; ( g) or 
 that a certain sum was received of A, to be repaid on demand 
 with interest ; (A) or to be repaid in one month ; (i) or stating a 
 balance due, for which " I am still indebted, and do promise to 
 pay " ; (j) we have authority for calling all of these instruments 
 promissory notes. In one case, a promise " to pay or cause 
 to be paid " was held to be sufficient. (A;) 
 
 It is settled that a note need not contain the words " promise 
 to pay," if there are other words of equivalent import. There- 
 fore, where the defendant made a note by which he promised 
 " to be accountable to A or order for £ 100, value received," 
 this was held a good note within the statute. (/) So where the 
 defendant gave a note by which he acknowledged himself " to 
 
 be indebted to A in £ , to be paid on demand, for value 
 
 received," this was held to be within the statute, the words 
 " to be paid " amounting to a promise to pay.(w) So a direction 
 to A to " credit B or his order in cash " in a certain sum, has 
 been held to be a bill of exchange ; the court saying " ' credit 
 in cash' is equivalent to ' pay.' " (vi) 
 
 A mere acknowledgment of a debt is held in England to be 
 no promissory note ; the common illustration of which is the 
 
 (/) Pepoon V. Stayg, 1 Nott & McC. 102 ; Kimball v. Huntington, 10 Wend. 675. 
 
 if/) Ellis V. Mason, 7 Dowl. P. C 598. 
 
 (/<) Green v. Davics, 4 B. & C. 23.5. 
 
 (/') Shrivell v. Payne, 8 Dowl. P. C. 441. 
 
 ( /) Chadwick r. Allen, 2 Stra. 705. 
 
 (k) Lovell V. Hill, 6 C. & P. 238, 
 
 y/) Morris v. Lee, 2 Ld Raym. 1396. The court said: "By the receiving tlie valne, 
 the defendant became a debtor ; and when he promises to be accountable for it to A, it 
 is the same thing us a promise to pay to A. And it is the stronger, because it is to bo 
 accounialde to A or ordei-, which is the proper expression used in such notes, and 
 mentioned in the act of I'arlianujut, wliere it is intended the note should be indors.ablc 
 or negotiable But it would be an odd construction to expound the word acrouiUable, 
 to give an account, wiien there may be several indorsees." See Home i'. Rcdfcarn, 4 
 liing. N. C. 4;J3 ; White r. North, 3 E.xch. 689 ; Shrivell v. Payne, 8 Dowl. P. C. 441 ; 
 Hitchcock V. Cloutier, 7 Vt. 22; Woodfolk v. Leslie, 2 Nott & McC. 585. 
 
 (m) Casborne v. Dutton, Seiw. N. P. (11th ed.), 401. 
 
 (n) Kilison ('. Collingridgc, 9 C. IJ.570 ; Allen v. Sea, Fire, & Life Ass. Co.,9 C.B. 
 574. But in Woolicy v Sergeant, 3 Halst. 262, it was held, that an order in writing. 
 dir(;ctcd to C, and requesting him to credit B or bearer thirty dollars, was not a blU 
 of exchange.
 
 CH. II.] FORM OF PROMISSORY NOTES. 25 
 
 " I. 0. U. £ 200." (o) We should suppose that there could be no 
 doubt of the correctness of this, on principle. Such an instru 
 ment, or any other form of a mere due bill without a promise, 
 would be evidence in an action of assumpsit suited to the case, 
 but could not, we think, be declared upon as a promissory note, 
 nor be held entitled to any of the peculiar privileges of these 
 instruments. Both from its name and its nature, we should 
 have said that the note must contain, and must express, the 
 promise of the debtor to pay the money ; and it is going quite 
 far enough to say that the word " promise " need not be used if 
 there are other words of equivalent force and similar meaning, 
 the fair construction of which would make them one form of a 
 promise. Several American cases, however, hold any due bill 
 to be a promissory note.(/») In England the question is more 
 important than here, for if an instrument be a promissory note 
 and have no stamp, it has there no validity whatever, while 
 here it will be valid and available either as a note or as evidence 
 of a debt ; and as the difference becomes in this way, in many 
 cases, more a matter of form with us than substance, this may 
 be a reason why our courts construe writings of this kind with 
 more laxity. But if the question arose on a negotiable instru- 
 ment, and related to rights or obligations springing from in- 
 dorsement, and which exist only in relation to this peculiar 
 instrument, it might be supposed that our courts would be 
 more cautious. If the word " payable " be inserted, it makes 
 a promissory note in England and in this country ; (q) and if the 
 
 (o) Fisher v. Leslie, 1 Esp. 426 ; Melanotte v. Teasdale, 13 M. & W. 216 ; Israel v. 
 Israel, 1 Camp. 499 ; Childers u. Boulnois, Dowl & R. N. P. 8. In Guy v. Harris, 
 Ohitty on Bills (9tli ed ), 526, Lord Eldon is said to have ruled that such an instru- 
 ment was a promissory note, though not negotiable. " But it clearly is not such .at 
 this day," says Mr. Byles, citing Tomkins v. Ashby, 6 B. & C. 541, 9 D. & R. 543, 
 Moody & M. 32. Byles on Bills (6th ed.), 10. 
 
 ( p) Cummings v. Freeman, 2 Humph. 143 : Russell v. Whipple, 2 Cowen, 536 ; Mar- 
 rigan v Page, 4 Humph. 247; HaiTow v Dugan, 6 Dana, 341 ; Fleming v. Burge, 6 
 Ala. 373 ; Finney v. Shirley, 7 Misso. 42 ; McGowen v. West, 7 Misso. 569 ; Kimball 
 V. Huntington, 10 Wend. 675 ; Johnson v. Johnson, Minor, 263 ; Lowe v. Murphy, 
 9 Ga. 338 ; Brewer v. Brewer, 7 Ga. 584. See contra. Read v. Wheeler, 2 Yerg. 50 
 In Franklin v. March, 6 N. H. 364, it was held, that an instrument in these v/ords, 
 " Good to R. C. or order for thirty dollars, borrowed money," was a promissory note. 
 See Hulsey v. Winslow, 59 Me. 170. 
 
 (q) Fepoon v. Stagg, 1 Nott & McC. 102; Mitchell v. Rome R. R. Co., 17 Ga. 574; 
 Kimball v. Huntington, 10 Wend. 675; Waithnmn v. Elsee, 1 Car. & K. 35; Cas- 
 borne v. Dutton, Selw. K P. (11th ed.), 401, And see Brooks v. Elkins, 2 M. & W. 74. 
 
 YOI- T. 3
 
 20 ■ NOTES AND BILLS. [CH. H 
 
 due bill be payable to " A or order," or to him " or bearer," it 
 is a negotiable promissory note. If the principal purpose and 
 effect of the writing are to set forth an agreement or bargain 
 of sale, and the terms be stated, although the buyer expressly 
 promise therein to pay at a time certain the amount agreed on, 
 this is still only an agreement, and not a promissory note.(r) 
 
 An instrument under seal, though in all other respects in the 
 form of a promissory note, is, according to the best authorities, 
 not negotiable, and possesses none of the qualities of negotiable 
 paper, (s) 
 
 There has recently been considerable discussion as to the na- 
 ture of the instrument, in common use among bankers, called a 
 certificate of deposit. It is usually in this form : " I hereby cer- 
 tify that Mr. A has deposited in Bank one thousand dollars, 
 
 payable twelve months from date, to his order, upon the return 
 of this certificate. (Signed) B, Cashier." We think this in 
 strument possesses all the requisites of a negotiable promissory 
 note ; and that seems to be the prevailing opinion. (/) 
 
 A warrant issued by the auditor of public accounts on the State 
 treasurer, in favor of a creditor of the State, is not negotiable so as 
 to entitle the holder to the protection of the law-merchant.(/^) 
 
 The anomalous case, in which a promise never to pay was held to 
 be a ])romise to pay,(u) cannot be considered as exhibiting another 
 form in wlncli a valid note may be made, but only as an instance of 
 the court's disregard and rejection of a word Avhich must have been 
 inserted merely by mistake, or else with a fraudulent ]>urpose. 
 
 It is usual to write the sum in words in the body of the note, 
 
 (r) Ellis 1). Ellis, Gow, 2)6. Tlic question in this ciise, however, arose upon the 
 Stiimi) Act. 
 
 (s) Clark 7'. Farmers' Mimuf. Co., 15 Wend. 256; Freviill v. Fitch, 5 AVhart. .325; 
 IIo|)kins V. liiiilroad Co., .3 Watts & S. 410; Force v. (^rai;;, 2 Ilalst. 272 ; Parker v. 
 Kennedy, 1 i5:iy, 3'.»8 ; I'arks v. Duke, 2 I\Ic('ord, 380; 'J'ucker v. K)i,-;lisli, 2 Specrs, 
 673; ]>ewis v. W'ilsun, 5 Hlackf. 369; Sayre v. Lucas, 2 Stew. 259. 15ut see, contro, 
 J'orfer »i. M.'Colluiii, 15 (Ja. 528. 
 
 (I) Mill(rr v. Austen, 13 How. 218; Laut;hlin v. Marshall, 19 111. 390; Carey v. 
 .M<'])(>n^iilil, 7 ('•». H4 ; Kiltzoie )'. I'.nlkley, 14 Conn. 362; IJauk of Orleans ?'. Merrill, 
 2 Hill, 295; W'clton ?>. Adniiis, 4 Calif. 37; .Johnson v^ IJarncy, 1 Iowa, 531. Hut see, 
 findrd. I'atterson v. I'oiudcxtcr, 6 Watts (X- S. 227 ; Charnlcy v. Dulles, S Watts & S. 
 353, 361, Aud see Siiirce v. Trijip, 15 M. & W. 23; I'ooiuiau v. Mills, 35 Vi\\. 118. 
 
 (It) State »'. Dnliiiclct, 23 La. Ami. 267. 
 
 (") Auou., <'ited in 2 Atk. 32. This case is stated liy Lord llnrdirirkc^ and saiil to 
 lia\e liecn rul(Ml liy Lord J/airlisJhld im the Nortliein Circuit. In the coiiiuieiiceiMeiit 
 of iIk- note, the consideration was said to lie "'20/. horrowcd aud received," and at the 
 end were the woi'ds, " which I proniisf- luivei- to Jiay." It was held that tluMC was a 
 Hood foiuidatioM for an as-uuipsit, upon tlii' Icndin;; on one side and tlu^ l)()rr()\\ ini;- on 
 the other, and that, the woids in the conclusion of the note would make no variation.
 
 CH. n.] FORM OF PROMISSORY NOTES. 27 
 
 and also to put it iii figures at the corner. If tliey differ, the 
 question may be whether it is an ambiguity, and then whether 
 it is fatal to the note, or may be cured by evidence, or whether 
 it is no ambiguity because the written words prevail over the 
 figures. So far as we have authority, the last would be the rule ; 
 in the English case in which it was, with some difficulty, so de- 
 termined, tbe figures were for a larger sum, and the stamp was ap- 
 plicable to that sum.(z;) In this country, where the figures could 
 
 (v) Saunderson i;. Piper, 5 Bing. N. C. 425. This was an action on a bill of ex- 
 change, by indorsees against acceptors. The bill was expressed in figures to be drawn 
 for :£245; in words, for two hundred pounds, with a stamp applicable to the liigher 
 amount: Held, that evidence to show that the words ^' and forty-Jive" had been omitted 
 by mistake was not admissible, but that the acceptance must be taken to be for £ 200 
 only. Tindal, C J. said : " This is a case of ambiyuitas patens, and, according to the 
 rules of law, evidence to explain such an ambiguity is not admissible. Where there 
 is a doubt on the face of the instrument, the law admits no extrinsic evidence to ex- 
 plain it. Now, on the body of the bill in question, it appears to have been drawn for 
 two hundred pounds ; but in the margin, the figures express the sum of £ 245. If thisf 
 
 creates any ambiguity, it is one which arises on the face of the instrument The 
 
 evidence in question not being admissible, we cannot shake the rule of commercial 
 writers, that, where a difference appears between the figures and the words of the bill, 
 it is safer to attend to the words. If we take the authority of those writers where wa 
 have none of our own, this is a good bill for the sum expressed in the body, and there- 
 fore I am of opinion that the plaintiff is entitled to judgment for £200." Bosanquet, 
 J : " The question is, whether this instrument is a bill for £ 245, or £ 200, or whether 
 
 it is altogether void It is true that there was abundant evidence to show that this 
 
 was intended as a bill for £ 245, if that evidence was admissible ; but the evidence waa 
 not admissible, because this is a case of patent ambiguity, and our rules of evidence 
 exclude explanation where the ambiguity is patent. It is true, some foreign writers 
 have said that in such a" case the drawee should wait for instructions ; and it would, no 
 doubt, be prudent he should do so ; that, however, cannot alter our rules of evidence. 
 But the same writers also lay it down, that in the absence of instructions the words at 
 length, and not the figures, ai-e to determine the sum to be paid ; and we think that is 
 the rule that should be followed. The argument that pressed me most is the rule of 
 fortius contra proferentem ; that an instrument must be taken most strongly against the 
 party making it. But there is no case in which that principle lias been applied to an 
 instrument, the body of which expresses a clear amount, and the ambiguity arises from 
 a different amount expressed in the margin. Under such circumstances, the rule of law 
 as to evidence must prevail." Coltman, J. was of opinion, that the rule, fortius contra 
 proferentem, should prevail, and the bill be taken to be for £ 245. The commercial 
 writers, alluded to in the above opinions, are Marius and his followers. In Marius, p. 
 S3 (4th ed ), the rule is thus stated : " A bill of exchange, though written in few words, 
 and contained in a small piece of paper, yet is of great weight and concernment ia 
 point of trade between merchant and merchant, and therefore ought to be written very 
 plain and legible, and without any blots, or mending, or altering of any word thereof, 
 th.:t so there may not arise any doubt or scruple in the payment thereof; and there- 
 fore it is that usually merchants do write the sum that is to be paid as well in figures 
 u m woids at length, as you may observe by the several forms of bills of exchange
 
 28 NOTES AND BILLS. [CH. H. 
 
 not be aided in that way, it should be held with still stronger rea- 
 .son, that the words control the figures, (i^) If the words are writ- 
 ten in the body of the note so obscurely that their meaning is 
 doubtful, the figures in the margin may be referred to as explan- 
 atory of the intention of the parties. (x) If the printed words 
 differ from the written words, then the latter will control, on the 
 ground that the printed words were intended to apply to many 
 cases, printed forms of instruments being always employed for 
 classes and quantities only, and not for a single case, and the 
 blank left to be filled in writing was left for the very purpose 
 that the instrument might be especially adapted to each particu- 
 lar case.(y) It has been held that the sum may be in figures only, 
 
 contained in this treatise ; and if it so fall out, that through unadvisedness, or error of 
 the pen, the figures of the sum, and the words at length of the sum, that is to be paid 
 upon any hill of exchange, do not agree together, either that the figures do mention 
 more, and the words less, or that the figures do specify less, and the words at length 
 more, in either, or in any such like case, you ought to observe and follow the order of 
 the words mentioned at length, and not in figures, until further order be had concern- 
 ing the same, because a man is more apt to commit an error with his pen in writing a 
 figure than he is in writing of a word ; and also, because the figures at the top of the 
 bill do only, as it were, serve as the contents of the bill, and a breviat thereof, but the 
 words at length are in the body of the bill of exchange, and are the chief and principal 
 substance thereof, whereunto special regard ought to be had ; and, although it may so 
 fall out, that the sum mentioned in figures in the letter of advice and the sum men- 
 tioned in figures in the bill of exchange do agree, yet if the sum mentioned in words 
 at length in the same bill do disagree, you ought to follow the order mentioned in words 
 at length in tiie bill, and not the order in figures, for the reasons before alleged." 
 
 (m;) Payne v. Clark, 19 Misso. 1.52 ; Mcars v. Graham, 8 Blackf 144. In Smith v. 
 Smith, 1 K. I. 398, it was held, that the figiu'es in the margin of a bill of exchange are 
 merely a meuKjrandum for convenience of reference, and form no part of the bill, and 
 an alteration in them, without the consent of the drawer, making tliem conform with 
 the body of the instrument, does not vitiate the bill ; and where the marginal figures 
 differ from tlie body of tlie bill, evidence is not admissible to show that the bill was 
 negotiated for the value expressed by tlie marginal figures, and not for the value ex- 
 pressed in the body of the bill. In Burnliam v. Allen, 1 Gray, 496, it was Iwld, that a 
 promissory note, expressed to be for " tliee hundred dollars," and in figures in the 
 margin "$."iOO," was a good note for three hundred dollars, if the maker, when he 
 signed it, intended " the(! " for three ; and whether such was his intention was a ques- 
 tion for the jury. In Norwich Bank v. Hyde, l.'i Conn. 270, where a writing was 
 
 given, in the form of a note, promising to pay dollars, in the margin of which 
 
 was written $200, it was lulil, in an ariiim against the indorser alli^ging a promise to 
 pay two liundrcd dollars, tlint w<'\t uiiiiny was not ailmissible in su])port of the dec- 
 laration ; tlur of!ic<r of the m(!in()r;iM(liiiii in the margin being to remove an anibigaity 
 in the IkxIv of tli(! instrunu^nt, and not to supply a blank. 
 
 (■/■) Kilcy r. Dickens, 1 '.t III. 29; Corgan v. Frew, .19 III. ."il. 
 
 (i/) See 2 I'jirsons uii ('.uit., pji. 28, 29.
 
 CH. n.J FORM OF PROMISSORY NOTES. 29 
 
 and not in words. If so, this would certainly be one of those 
 irregularities which would subject the instrument to suspicion. (z) 
 
 In Louisiana, by statute, no bill, note, or other obligation for 
 the payment of money, made within the State, is admissible as 
 evidence of a debt when the whole sum is expressed in figures, 
 unless accompanied by proof that it was given for the sum so 
 expressed. (a) If, in a bill or note, the word "dollars" is omit- 
 ted, or in England the word " pounds," these words will never- 
 theless be supplied. (i) 
 
 The question, whether a certain instrument is a promissory 
 note or a bill of exchange, or either, at the election of the holder, 
 will be considered hereafter, when we come to speak of bills of 
 exchange.(c) 
 
 Whether one, not payer nor payee, signing a note when made, is 
 a maker, surety or indorser, is considered later.(cc) 
 
 {z) Nu(j;ent v. Roland, 12 Mart. La. 659; Pilie v. Mollere, 14 Mart. La. 666. This 
 point was raised, hut not decided, in Gibson v. Irby, 17 Texas, 173. 
 
 (a) Rev. Stat. La , 18.56. p. 43. But fractional parts of a dollar may be in figures. Id. 
 
 (6) Thus, in Phipps v. Tanner, 5 C. &P. 488, it was held, that a bill of exchange for 
 twenty-Jive, seventeen shillings and three pence, was a bill of exchange for twenty-five 
 pounds, seventeen shillings, and three pence, and might be declared on as such ; Tin- 
 dal, C. J. saying : " It must mean pounds, and cannot mean anything else." So in 
 Booth V Wallace, 2 Root, 247, it was held, that in a note for " thirty-two, twelve shil- 
 lings, and five pence lawful money," the word pounds is necessarily implied. So in 
 Northrop r. Sanborn, 22 Vt. 433, it was held, that an order drawn for " 37,89 '' was not 
 void as being unintelligible ; but the court would intend that the figures were used, as 
 whole numbers and decimals, to express the currency of the United States. And see 
 Murrill v. Handy, 17 Misso. 406; Sweetser v. French, 13 Met. 262; Rex y. Elliot, 
 1 Leach, C. C. 17.5; M'Coy v. Gilmore, 7 Ohio, 268; Coolbroth v, Purinton, 29 
 Maine, 469. 
 
 (o) See Edis v. Bury, 6 B. & C. 433. 
 
 (cc) See Vol. IL, pp. 119-122.
 
 30 NOTES AND BILLS. [CH. IIL 
 
 CHAPTER III. 
 
 OF THE ESSENTIAL ELEMENTS OF A NEGOTIABLE PROMISSORY 
 
 NOTE. 
 
 To learn wliat qualities are essential to a negotiable promis- 
 sory note, we must bear in mind the purpose of the note, and of 
 the law in relation to it. This is simply that the note may 
 represent money, and do all the work of money in business 
 transactions. For this purpose, the first requisite, that, indeed, 
 which includes all the rest, is certainty. This means certainty, 
 first, as to the persons who shall receive the money by which the 
 note is to be paid and replaced when this representation ceases. 
 Second, as to the person or persons who are to make this pay- 
 ment, and the order and conditions of their liability. Third, as 
 to the amount to be paid. Fourth, as to the time when the 
 payment is to be made. Fifth, as to the fact itself of the pay- 
 ment. It will be seen that the law endeavors to enforce, define, 
 and protect all of these certainties as far as possible. Not, 
 however, in such an exact and technical way as would only 
 embarrass the transaction of business ; but substantially, and 
 in a perfectly practical way. 
 
 SECTION I. 
 
 OF CERTAINTY AS TO THE PAYEE. 
 
 As to the person who is to receive the money, this may be 
 either the original payee, or one who is made a subsequent 
 payee by indorsement ; of this indorsee we will treat subse- 
 quently, and now only of the original payee. This may be some 
 one or more persons named, or the note may bo made payable 
 to bearer, and then the payee will be any person who comes 
 into lawful possession of the note and prcsnuts it for payment. 
 Such a note is ncgotial)lc, because it is transferable by delivery,
 
 CH m.] CERTAINTY AS TO THE PAYEE. 31 
 
 and the holder may sue on it in his own name ; but it is not 
 strictly negotiable in the full sense of the word, because it is 
 scarcely capable of regular indorsement, and that part of the 
 law of these instruments which relates to indorsement applies to 
 it very imperfectly. If it be written, " Due the bearer," (a cer- 
 tain sum,) " which I promise to pay A or order," this is payable, 
 not to bearer, but only to A or his order. (<^) 
 
 If the note be not payable to bearer, but to a specific payee, 
 the payee must be distinctly pointed out ; though he need not be 
 expressly named as such. Indeed, the payee is made the prom- 
 isee by construction of law only, in most cases. To make him 
 so, formally, the note should run, " I promise A to pay him or 
 order " ; and notes are sometimes so written, and always so de- 
 scribed, when set forth in a declaration ; but far more frequently 
 they are written, " I promise to pay A or order," and the law 
 construes this to mean that the promise was made to A. By an 
 extension of the same principle of construction, where a receipt 
 for money, by reason of a promise of repayment, is held to be a 
 promissory note, as, " Received of A one hundred dollars, which I 
 promise to pay on demand,"(e) the law construes the promise as 
 made to A, and as being a promise to pay him ; thus making him 
 both promisee and payee. So if the instrument, though not 
 naming any certain payee on its face, furnishes the means by 
 which the payee can be certainly ascertained, it is sufficient. Id 
 certum est, quod certum reddi potest. Therefore, if a note be 
 made payable to " the administrators of the estate of A," it will he 
 good.(/) On the same principle, an instrument payable " to the 
 
 (d) Cock V. Fellows, 1 Johns. 143. The words of the note were, " Due the bearer 
 hereof £3, 18, 10, which I promise to pay to Abraham Thompson or order, on de- 
 mand." And the court said : " The word bearer has reference to Thompson as the 
 payee, and as the promise is expressly to pay to him or order, another person could 
 not maintain an action on the note without his indcjj-sement." 
 
 (e) Green v. Davies, 4 B. & C. 235. Bajjiey, J. said : " No particular form of words 
 is necessary to constitute a note, and Chadwick v. Allen, 2 Stra. 706, is in point to show 
 that it is not necessary to name the payee more explicitly than this note does ; the sub- 
 stance of the note there was, '£1.5, ^s., balance due to Sir Andrew Chadwick, I am 
 still indebted, and do promise to pay.' "Whom he was to pay was not in terms stated, 
 but as no other payee was named, who, but Sir A. Chadwick, could be the object of 
 his promise ? So here, as the money was received from Boaz, he alone could be the 
 person to whom the money was to be paid back." And see Ashby v. Ashby, 3 Moore 
 & P. 186. 
 
 ( /) Adams v. King, 16 111. 169 ; Moody v. Threlkeld, 13 Ga. 55. In Bacon v. Fitch,
 
 32 NOTES AND BILLS. [CH. m. 
 
 trustees acting under the will of A," is a promissory note.(^) So 
 a plaintiff suing on a promissory note which purports to be paya- 
 ble to a person of a different name may show by parol evidence 
 that he was the person intended. (/*) And it has been held, that 
 if a bill be drawn payable to a fictitious payee, and indorsed in 
 the name of such payee, and be afterwards accepted with a knowl- 
 edge that the payee is fictitious, such bill may be treated, in the 
 hands of a bona fide holder, as a bill payable to bearer.(^) And when 
 a note was made payable to the order of a real person, and his indorse- 
 ment was forged, it was held that the maker was estopped from de- 
 
 1 Boot, 181, a note payable " to the heirs of A," who was then alive, was held suffi 
 cient. 
 
 (g) Megginson v. Harper, 2 Cromp. & M. 322. 
 
 {h) "Willis V Barrett, 2 Stark. 29 ; Hall v. Tufts, 18 Pick. 455 ; Jacobs v. Benson 
 39 Maine, 132. 
 
 (i) Minet v. Gibson, 3 T. R. 481, 1 H. Bl. 569 ; CoUis v. Emett, 1 H. Bl. 312 ; Vero 
 V. Lewis, 3 T. R. 182. In a note to Bennett v. Farnell, 1 Camp. 130, the learned re- 
 porter has given the following account of these cases : " Almost all the modern cases 
 upon this question arose out of the bankruptcy of Livesay & Co. and Gibson & Co., 
 who negotiated bills with fictitious names upon them to the amount of nearly a million 
 sterlintr a year. The first case was Tatlock r. Harris, 3 T. R. 174, in which the Court 
 of King's Bench held, that the bona fide holder for a valuable consideration of a bill 
 drawn payable to a fictitious person, and indorsed in that name by the drawer, might 
 recover the amount of it in an action against the acceptor, for money paid or money 
 had and received, upon the idea that there was an appropriation of so much money to 
 be paid to the person who should become the holder of the bill. In Vcre v. Lewis, 3 
 T. R. 182, decided the same day, the court held, there was no occasion to prove that 
 the defendant had received any value for the bill ; as the mere circumstance of his 
 acceptance was sufficient evidence of this ; and three of the judges thought the plain- 
 tiflF might recover on a count which stated that the bill was drawn payable to bearer. 
 Minet v. Gibson, 3 T. R. 481, put this point directly in issue, and the unanimous 
 opinion of the court was, that, where the circumstance of the payee being a fictitious 
 person is known to the acceptor, the bill is in cflTect payable to bearer. Soon after, the 
 Court of Common Pleas laid down the same doctrine in Collis v. Emett, 1 H Bl. 313. 
 This decision was acquiesced in ; but Minet v. Gibson was carried up to the House of 
 Lords, 1 II. Bl. 569. The opinions of the judges being then taken, Ejire, C. B. (p. 
 598), and Ihath, J. (p. 619), were for reversing the judgment of the court below, and 
 Lord T/iiirlow, C. coincided with them (p. 625) ; but the other judges thinking other- 
 wise, judgment was affirmed. 2 Bro. P. C, 2d cd., 48. The last case upon the subject 
 reported is Gibson v. Hunter, 2 H. Bl. 187, 288, which came before the House of Lords 
 upon a demurrer to evidence; and in which it was Iwhl, that, in an action on a bill of 
 this sort against the acceptor to show that he was aware of the payee being fictitious, 
 evidence is udmissible of the circumstances under which he had accepted other bills 
 payable to fictitious persons. Vide Tuft's case, Leach, Cro Lnw, 206." It may be 
 added, that the rule established by these cases is now of very little pra<'tical value; 
 and if the question were still open, its correctness might be gravely doubted. Sec the 
 dissenting opinions of IC;/rr, C. J. and Ihntli, J. See also Bennett v. Fnnicll, I Cnrnp. 
 1.30, 180r. But see Hunter v Bloilget, 2 Ycates, 480 ; Foster v. Shnttuck, 2 N. H. 
 44f> ; riets ?;. Johnson, 3 Hill, 112; iMirnsworth v. Drake, 11 Ind. 101 ; in which the 
 Kngli-li rule was adopted. By statute in New York promissory notes made paytiolc to
 
 CH. III.] CERTAINTY AS TO THE PAYEE. 33 
 
 nying the validity of the note in the hands of a bona fide hohler.(J) 
 So the name of the payee may be left blank, and this will author- 
 ize any bona fide holder to insert his own name.(Z;) And gen- 
 erally, if blanks are left in a note or bill, for name, address or 
 amount, and he for whose benefit it is made, fills the blanks other- 
 wise than was agreed upon by the parties, an innocent holder may 
 sue upon it, whether he paid money for it, or took it in payment of 
 an existing debt.(M) But, with these exceptions, the rule requiring, 
 the payee to be distinctly named is very strictly adhered to. It is 
 expressly held, that if no one be designated as payee, either by name 
 or as bearer, the instrument is not a promissory note.(/) And if 
 the promise is in the alternative, as to pay A or B, it is insuffi- 
 
 the order of the maker thereof, or to the order of a fictitious person if negotiat. i by 
 the maker, have the same effect, as against the maker and all i)ersons having knowledge 
 of the facts, as if payable to bearer. Stevens v. Strang, 2 Sandf. 138. In Daveg.i w. 
 Moore, 3 McCord, 482, it was held, that a note payable " to order" only, without man- 
 tioning the name of any payee, was to be considered as payable to bearer in favor of .i 
 bona Jicle holder. See Ellis v. Wheeler, 3 Pick. 18 ; Ball v. Allen, 1.5 Mass. 433. In 
 Willets r. Phoenix Bank, 2 Duer, 121, it was held, that a bank-check, payable to the 
 order of bills payable, as it could not pass by indorsement, was, in judgment of law, 
 payable to bearer. If the acceptor of a bill payable to a fictitious person be ignoimnt of 
 the circumstance that the payee is fictitious, he is not liable, even to a bona Jide holder 
 Bennett w. Farnell, 1 Camp. 130, 180 r. So if the holder received the i)ill with a knowl- 
 edge of this circumstance, he cannot recover. Hunter v. Jeffery, Peake's Add. Cas. 146. 
 
 (.;■) Meacher v. Fort, 3 Hill, S. Car. 227. 
 
 (fc) Attwood V. Griffin, Ryan & M. 42.5 ; Cruchley v. Clarance, 2 Maule & S. 90. 
 Ciutchly w. Mann, 5 Taunt. 529; Greenhow v. Boyle, 7 Blackf. 56. But until the 
 blank is filled up, the instrument is invalid. Seay v. Bank of Tennessee, 3 Sneed, 558. 
 
 {kk) Smith v. Lockeridge. 8 Bush, 423. 
 
 (/) Thus, in Brown v. Gilman, 13 Mass, 1 58, an instrument in these words, " Good for 
 one hundred and twenty-six dollars on demand," and signed, was lield not to be a prom- 
 issory note. See Curtis v. Rickards, 1 Man. & G. 46. And in Douglass v. Wilkeson, 6 
 Wend 637, it was held, that an indorsement on a note in these words, " Mr Olcott, pay 
 on within $750," was not a bill of exchange, draft, or check. So in Gibson v. Minet, 
 1 H. Bl. 569, 608, Eyre, C. J. said : ''If I put in writing these words, ' I promise to pay 
 .£500 on demand, value received,' without saying to whom, it is waste paper. If I 
 direct another to pay £ 500 at some day after date for value received, and not say to 
 whom, it is waste paper." In Mayo v. Chenoweth, Breese, 155, the instrument was in 
 this form : " This shall oblige me to pay thirty-five dollars on a judgment in the hands 
 of Lewis Murphy, Esq., against Mark A. Sanders, in favor of John Chenoweth, with 
 interest from this date till paid." (Signed,) " Jonathan Mayo " Held, that it was not 
 a promissory note. And see Matthews v. Redwine, 23 Missis. 233 ; Enthoven v. Hoyle, 
 13 C. B. 373. In Prewitt v. Chapman, 6 Ala. 86, it was held that an instrument, pur- 
 porting to be a bill of exchange, but which did not direct to whom the money was pay- 
 able, might be the foundation of a suit, in the name of the person from whom the con- 
 sideration moved, and to whom it was delivered by the drawer; but an action could not 
 be maintained thereon by a third person, as bearer. In United States v. White, 2 Hill, 
 i>9, it was held, that a promissory note made payable to the order of the person ivho should 
 therenftrr indorse the same was valid and negotiable. 
 Vol. I.— C
 
 34 NOTES AND BILLS. [CH. III. 
 
 cient.(??i) So an instrument payable "to the estate of AI. L., de- 
 ceased," is not a promissory note.(n) So an instrument contain- 
 ing a promise to pay a certain sum therein mentioned " to the 
 secretary, for the time being, of the Indian, d'c. Assurance Soci- 
 ety, or his order," has been held not to he a promissory note.(o) 
 
 (m) Musselman v. Oakes, 19 111. 81 ; Blanckenhagen v. Blundell, 2 B. Sc Aid. 417. 
 This was an action on a note whereby the maker promised to pay to A or to B and 
 C a sum therein specified, value received; and it was held not to be a promissory note 
 within the meaning of the statute of Anne. Campbell^ arguendo^ said: "This is a 
 valid note within the statute of Anne, as between the original parties, although, per- 
 haps, it may not be negotiable. It is not payable upon a contingency; for a note pay- 
 able to two partners, which in effect is payable to one or to the other, is equally so. 
 So also, foreign bills of exchange, drawn in sets, may equally be said to be payable 
 upon contingencies; for the direction is to pay this my first bill of exchange, the 
 second and third not being paid ; or the second, the first and third not being paid ; 
 which is in effect directing the bill to be paid to the indorsee who may hold the first, 
 or to the indorsee who may hold the second." But Abbott^ C. J. said: "I have no 
 doubt that this instrument, in the form in which it is declared on, is not a promissory 
 note within the statute of Anne ; for if a note is made payable to one or other of 
 two persons, it is payable to either of them only on the contingency of its not having 
 been paid to the other, and is not a good promissory note within the statute." Bay- 
 ley^ J. : "If there had been any community of interests stated between the payees so 
 as in any respect to identify Darner and Blanckenhagen, it is possible that an action 
 might have been maintained on this note, but in the way in which the dechiration 
 has been framed, stating this as a note payable to one or the other, I am very clearly 
 of opinion that it is not the description of note which the statute of Anne contem- 
 plated." Jlolroyd, J.: "This note does not come within the description of notes 
 contemplated by the statute of Anne. It is, in fact, a promise to pay A, if the maker 
 does not pay to B and C. It is therefore a conditional ])romise, and, consequently, 
 not within the statute." The same point was decided in Walrad v. Fetrie, 4 Wend 
 575. But Marcy^ J. there said: "On the part of the plaintiff it is contended that 
 the contingency is no greater than it would he if the word 'and' was substituted for 
 * or,' because, had the note been payable to Walrad and Bowman, jiaymcnt to either 
 would have been a satisfaction of the note; we are, therefore, asked to consider the 
 word 'or' of the same effect as the word 'and.' I should be inclined to accord in the 
 views of the plaintiff, if I were not reluctant to estaldish a different rule liere from 
 that wliich seems to jirevail in England on tiiis point. It is inqiortant to our com- 
 uicrcial interests, considering the intercourse existing between this country and Eng- 
 land, that the statutes which are alike in both countries as to negotiat)le paper sliould 
 receive tlie same construction, and be applied in the same manner." Sue Samuels v. 
 Evans, 1 Mcl.,ean, 47.3; S|inuliling v. Evans, 2 McLean, 139. 
 
 (n) Eyon v. Marshall, 1 1 Marb. 241 ; Tittle v. Thomas, 30 Missis. 122. 
 
 (o) Storm >'. Stirling, 3 Ellis & B. 832. Lord Vnmjibdl, in delivering the judgment 
 of tlip court in tliis case, saiil : " Tlic nature and every definition which we find in the 
 books of a promissory note show that it must contain an express promise to pay to a 
 person llierein named or designated, or to his order, or to bearer. If the person to 
 wlif)m or to whose onler it is to be \nw\ is uncertain, and it depends on a contingency 
 to whom, or to whose order, jiayment is to be made, it is not a promissory note, uidess 
 it can be treated as payidile to l)carer. It was urged, on behalf of the jilaintilf, that we 
 might treat this as a note made payable to the plaintiff, who at the date of the docu-
 
 en. III.] CERTAINTY AS TO THE PAYER. 35 
 
 But if it bad been "to the now secretary of the Indian, &c. Assu- 
 rance. Society, or his order," it would, as we have seen, have been 
 sufficient.(;3) A bill of exchange payable to A, "cashier of" a 
 bank, is payable in law to the bank; and the indorsement of it by 
 A as cashier binds the bank.(p/>) So a note payable to the presi- 
 dent of an insurance company was held payable to the company. (^j^) 
 If a note is payable to A, and there are two persons of that name, 
 father and son, the note would be prima facie evidence of a promise 
 to the father. But the son may show that he is in possession of the 
 note, and is the person who authorized the bringing of the action. (9) 
 
 SECTION II. 
 
 OF CERTAINTY AS TO THE PAYER. 
 
 Certainty is required as to the persons who are to make the 
 payment, and the order and conditions of their liability. In the 
 first place, the maker, who signs the note and is the promisor, is 
 bound by his promise to pay the note. This signature must be 
 
 meiit was the secretary of the society, by his description as such secretary 
 
 Tlicre is no doubt, upon the authorities, that it is quite sufficient to make a note by a 
 description or designatio personce of tiiis kind ; but we do not think that we can put the 
 above construction on the document now before us. The use of the words ' for the 
 time being,' in the first instance, the repetition of them afterwards, and the whole form 
 and scope of the instrument, satisfy us that the payment was to be made to the indi- 
 vidual who, at the time of the instrument falling due. should fill the situation of secre- 
 tary of the company, and not to the plaintiff", unless he happened to be the secretary at 
 that time. It was, we think, clearly intended as a floating promise, the performance of 
 which was to be made to the person being secretary when the document became due. 
 The other construction would in effect be to hold that the words ' the secretary for the 
 time being ' meant the now secretary ; but we think that the words were used for the 
 
 very purpose of excluding that construction It was suggested also, in the 
 
 argument, that if there were no payee who could sue, the note might be treated as pay- 
 able to bearer. But we think that in so holding we should give a meaning to the note 
 contrary to the clearly expressed intention of the maker. This is not a case of fraud, 
 or of a fictitious payee ; but the defect is, that it is a promise to pay some person to he 
 ascertained ex post facto ; and we know no authority to show that under such circum- 
 stances we can hold this instrument to be a note payable to bearer, because, though 
 valid, perhaps, as an agreement, it cannot be enforced as a promissory note." See also 
 Yates V. Nash, 86 B. (U, S.), 581. 
 
 (/>) Per Lord Campbell, in Storm v. Stirling, supra. And see Robertson v. Shew- 
 ard, 1 Man. & G. 511 ; Davis v. Garr, 2 Seld. 124; Rex v. Box, 6 Taunt. 325. 
 
 {pp) Bank of New Y"ork v. Bank of Ohio, 29 N. Y. 619. And the bank may sue 
 upon it as payee without his indorsement. First Nat. Bank v. Hall, 44 N. Y. 395. 
 
 (pq) Nichols v. Frothingham, 45 Me. 220. 
 
 (7) Sweeting v. Fowler, 1 Stark. 106.
 
 36 NOTES AND BILLS. [CII. III. 
 
 unambiguous and explicit, so as to leave no doubt of the person 
 intended to be designated ; because it is obvious that any doubt on 
 this subject would impair, if it did not destroy, the utility of the 
 document as an instrument of business ;(r) and therefore it is, that 
 we doubt whether courts should permit the signature of a negotiable 
 note to be made merely by initials, or to be inserted in the body,(s) 
 or at the beginning, or in the margin of the note, or elsewhere than 
 at its close, which is the usual and proper place.(^) 
 
 The signature should be in the handwriting of the maker, unless 
 made by his agent. Then this agency should be expressed ; and 
 the proper form of such signature is, "A, by B his agent" or "at- 
 torney." But if the signature were "B for A," this inaccuracy of 
 form would not make it B's note, or prevent it from being A's 
 note, if the signature were actually authorized, and the note were 
 in all other res])ects regular. (m) 
 
 If a note be signed by any one holding a trust or an office, and 
 the signer adds to his name his office, the addition will be held a 
 word of description, and he will be held personally, unless there 
 are words in the instrument confining the liability in some way. (uu) 
 
 One who signs a name he is not authorized to use, or a fictitious 
 name, may be held if he was accustomed to use this name in busi- 
 ness, or if it was known by the holder that he signed it, and the 
 holder took the paper on the credit of his signature; otherwise he 
 can not be held.(i«') 
 
 As a note, especially a promissory negotiable note, is not strictly 
 a specialty, although formerly it was so regarded in one or two cases, 
 the authority to make or sign or deliver it need not be under seal, 
 nor even in writing. And if the note purports to be made by A by 
 his agent B, and B had no authority, yet if A should afterwards 
 adopt and ratify this signature, it would be effectual. If, however, 
 only B's name was there, and there was neither expression nor inti- 
 mation of agency, then the established rule that there can be no 
 ratification of an act by an undisclosed principal, unless the act itself 
 pur()()rted to be the act of an agent, would prevent A from making 
 it ijy ratification his note. But he might, undoubtedly, guarantee 
 it, or become surety for the payment, or assume its obligations in 
 any other way he saw fit to do. In other words, if B makes the 
 note as his own note, it can never become the note of any othen 
 maker; but if lie makes the note as agent of A, although he has 
 no authority, A can make the note his own by ratification. 
 
 Jf the signatui-e lu; in the alternative, as il" the note be signed 
 
 (r) In San<lcrfl v. Anderson, 21 Misso. 402, it was held, ttint a note signed "Steam- 
 lK)nt H(!ii J..ct! and owners" wom Hufficiciit. 
 
 (n) Sec nHjirn, ]>. 2.'1, note <\ 
 
 (I) It, liim lieeii licid, liovvcvcr, fliat a si^^nntiiic hy initialri is sulTiiiient. Merchants' 
 I'aiik V. Sjiicer, 6 Woiid. 44.'J ; I'lilincr c Stephens, 1 Denio, 471. 
 
 {n) See jioM, eh. 5, ^4. 
 
 (nil) Sturdivant v. Hull, V.) Mr. 17'2. Grcj^ory v. Lcigli, 33 Tex. 813. Sec post 
 I, 90, 1»M and note. 
 
 (nv) Jlartlett v. Tucker, 104 Mass. .■{;{(;.
 
 CH. m.] CERTAINTY AS TO THE AMOUNT. 37 
 
 " A or B," we should say it was not a sufficient signature to make 
 a good promissory note against any person. In one case, a note 
 written, " I, A, promise," &c., signed, "A or else B," was re 
 garded as the note of A, signed by B as surety ; probably on 
 account of its peculiar phrase()logy.(v) As tlie law stands, if the 
 chai-acter in which a person writes his name on a bill or note is 
 obvious and certain, it does not seem to be material on what part 
 of the paper the signature is written. (lo) 
 
 SECTION III. 
 
 OF CERTAINTY AS TO THE AMOUNT. 
 
 There should be entire certainty and precision as to the 
 amount to be paid. The reason of this is especially obvious ; 
 for if the note is to represent money effectually, there must be 
 no chance of mistake as to the amount of money of which it 
 thus takes the place and performs the office. On this point, 
 therefore, the cases are quite stringent. The sum must be stated 
 definitely, and must not even be connected with any indefinite or 
 uncertain sum, nor are we aware of any trustworthy cases in 
 which the ride Id certum est, quod certum reddi potest, is per- 
 mitted to supply the want of an express certainty on this point, 
 as it seems to be in relation to some other of the certainties re- 
 quired in promissory notes. Thus, if the promise be to pay a cer- 
 tain sum, and also " all fines according to rule,"(.'c) or a certain 
 
 (v) Ferris v. Bond, 4 B & Aid. 679. The note was in these words : " I, John Cor- 
 ner, promise to pay," &c. (Signed,) " John Corner, or else Henry Bond." Tlie action 
 was at^ainst Bond ; and the court said : " This is not a promissory note by this defend- 
 ant within the statute of Anne. It operates differently as to the two parties. It is an 
 absolute undertaking on the part of Corner to pay, and it is conditional only on the i)art 
 of the defendant, for he undertakes to pay only in the event of Corner's not payinir." 
 
 {w) Clason v Bailey, 14 Johns. 484 ; Hunt v. Adams, .5 Mass. 3.58 ; Carver ('. War- 
 ren, id. ,545 ; Saunderson y. Jackson, 2 B & P. 238 ; Knight v. Crockford, 1 Esp. 190. 
 
 (r) Ayrey v. Fearnsides, 4 M. & \V. 168. It was contended for the plaintiff in this 
 case, that the words "and all fines according to rule" were altogether insensible, and 
 might he rejected as surplusage. But Parke, B. said : " This instrument being de- 
 clared on as a promis>ory note, the question is, whether the words ' and all fines 
 according to rule' can be rejected as being altogether insensible, and, therefore, mere 
 vurplusago ; and I think they cannot. It is quite possible that they have a meaning, 
 end may import that certain pecuniary fines and forfeitures are to be paid by the C:'"-^"'!- 
 
 VOL. I. 4
 
 88 NOTES AND BILLS. [CH. III. 
 
 sum, and also "all other sums which may be clne/'(7/) or a certain 
 sum with interest, and also to pay "the demands of the sick club 
 at, &c., in ])art of interest/'(;r) or a certain sum, "the current rate 
 of exchange to be added,"(a) or a certain sum, deducting what 
 interest or money "A may owe the maker,"(6) or "deducting all 
 advances and expenses,"(c) or a certain sum, "the same to go as a 
 set-off," &c.{d) In neither of these cases can the instrument be con- 
 sidered as a valid promissory note, even for the specific sum which 
 the maker promises to pay. Nor is an instrument promising to pay 
 in "current notes of the State of" a promissory note.(fZ<:/) But the 
 addition of a promise to pay attorney's fees, and fee for collection, 
 has been held not to aifect the negotiability of the instrument, be- 
 cause it does not affect the amount. (c/^) 
 
 So a direction to pay to the order of A "whatever sum you may 
 collect for me of C,"(e) or "the proceeds of a shipment 'of goods, 
 value about <£ 2,000, consigned by me to you," is not a bill of 
 exchange. (/) 
 
 SECTION IV. 
 
 OF CERTAINTY AS TO THE TIME OF PAYMENT. 
 
 The time when the money is to be paid is also to be certain. 
 Here, however, the rule that what can be made certain is certain, 
 is permitted to operate. Thus, if payable on demand, no one 
 can say when the demand will be made, but when it is made the 
 note becomes at once certainly due. H payable when "demand- 
 ed," this, though an unusual ])hrase, means the same thing; so 
 that the statute of limitations begins with such a note on the day 
 of the date.(y) If payable "on demand with interest after six 
 months," this is held to mean that the demand may be immedi- 
 
 ants ; ami if mo, tliis is certainly no ])roniiss()ry note witliin tlic statute, Imt is a specific 
 n};ieeinerit to do certain thinj^s, tlie consideratiou lor doing which not being stated, the 
 dechiration is clearly had." 
 
 (»/) Smith V. Nightingale, •> Stark. 375. 
 
 (z) JJolloii r. Diigdalc, 4 15. & Ad, 619. And see Leeds v. Loncashire, 2 Camp. 205; 
 Davies v. Wilkinson, 10 A. ik. K. <)8. 
 
 (a) I'liihidclphia IJiink v;. Ncwkirk, 2 Miles, 442. But in Michigan a note paynl)le 
 "with current rate ol' cxclinngc on N(!w York," was hrhl lu^gotialilc. Johnson v. 
 Krisliie, 15 Mich. 2H(i. Held also in Michigan "i)ayal)le in current funds" is ])ayahle 
 only in funds current l>y law. I*h<ciiix Ins. (Jo. v. Allen, 11 Mii^h. 501. 
 
 {))) IJarlow V. Ur(iadlinrst,4 J. 15. Mo(.re,471. Sec Kaltus i;. Watts, Litt. Sel.Cas. 197. 
 
 (r) Ciishmati v. Ilaynes, ^t) I'ick. i;J2. 
 
 (d) Clarke v. I'ercival, 2 \i. i^ A<l. OflO. 
 
 (d'l) Warnrn v. Brown, (;4 N. ( '. ;IH1. 
 
 (i/r) Sperry v. Horr, 32 Iowa, IK4; Dietrich v. Ihiylie, 23 La. Ann. 7G7. 
 
 (r) Le;^ro w. Staples, l(i Maine, 252. . 
 
 (./) .Jones V. Simpson, 2 15. Ik ('. 318. 
 
 ij/) Kingshury ». I?utlcr, 4 Vt. 458.
 
 CH. in.] CERTAINTY AS TO THE TIME OF PAYMENT. 39 
 
 ate, but that the interest will not begin unless the note lies un- 
 paid six months, and not that the demand must be deferred until 
 after six months. (A) But if payable with interest twelve months 
 after notice, this means payable on demand at any time after 
 twelve months have elapsed from the notice, and is sufficiently 
 definite. (i) And in one case, where the note was written " on de- 
 mand with interest after four months," and the words " on de- 
 mand " had been partially erased, but could still be read, it was 
 held to be payable in four months. (7) If payable "when I shall 
 marry," or in so many days " after I shall marry," this is not suf- 
 ficiently certain, because the promisor may never marry at all.(^•) 
 So if payable when certain property or goods are sold ; (Z) or " when 
 my circumstances will admit without detriment to myself or fam- 
 ily" ; (m) or " thirty days after the arrival of a certain ship" ; (n) 
 or "when in funds,"(o) it is not sufficient. So if payable 
 in instalments, no time being stipulated for the payment of the 
 instalments, it is not a promissory note.(p) If payable " when A 
 shall come of age," this alone would not be enough, because he 
 might die a minor ; (q) but if, in addition to this, the day is speci- 
 fied on which he will be of age, this is held to be good, because 
 the note will be payable when the day arrives, though A should 
 die before the day.(r) So if payable within a limited time after a 
 
 (h) Loring v. Gurney, 5 Pick. 15. 
 
 (i) Clayton v. Gosling, 5 B. & C. 360. 
 
 (j) Hobart v. Dodge, 1 Fairf. 156. In Conner t*. Routli, 7 How. Miss. 176, it was 
 held, that a note payable twenty-four after date was not void for uncertainty, nor a noto 
 on demand ; but the hohler might insert the time intended. 
 
 (k) Beardesley f. Baldwin, 2 Stra. 1151 ; Pearson y. Garrett, 4 Mod. 242, Comb. 227. 
 
 (/) ne Forest v. Frary, 6 Cowen, 151 ; Hill v. Halford, 2 B. & P. 413. But see 
 Ubsdell V. Cunningham, 22 Misso. 124. 
 
 (in) Ex parte TootcU, 4 Ves. 372 ; Salinas v. Wright, II Texas, 572. 
 
 (h) Paliner v. Pratt, 2 Bing. 185. 
 
 (0) Ilarrell v. Marston, 7 Rob. La. 34. 
 
 (p) Moffat V. Edwards. Car. & M. 16. 
 
 (q) Thus, in Kclley v. Hemmingway, 13 111. 604, it was held, that a note payable to 
 a person " when he is twenty-one years old," is not a promissory note. Treat, C. J. 
 said : " The payment was to be made when the payee should attain his majority, — an 
 event that might or might not take place. The contingency might never happen, and, 
 Jherefore, the money was not certainly and at all events payable. The instrument 
 lacked one of the essential ingredients of a promissory note, and consequently was not 
 negotiable under the statute. The fact that the payee lived till he was twenty-one 
 years of age makes no difference. It was not a promissory note when made, and it 
 TOuld not become such by matter ex post facto." 
 
 (r) Goss V. Nelson, 1 Burr. 226.
 
 40 NOTES AND BILLS. [CH. IIL 
 
 man's death, this is held to be sufficient, because an event must oc- 
 cur which will make tbis definite ; {s) and if the day of payment 
 must come, it has been said that its distance is not material ; {t) 
 but this dictum must be received with much qualification. It 
 has also been held, but as we think on insufficient grounds, that 
 if payable a definite time after money which is due from the 
 government shall be paid, this is certain enough, because it is 
 certain that the government or nation will pay their debts. (w) It 
 has also been held, where a negotiable note which was indorsed 
 and sued by the indorsee was made payable " by the 20th of 
 May, or when he completes the building according to contract," 
 that this was a good note, because " payable absolutely at a day 
 certain." (y) The reasons for this decision are not given, and it is 
 
 (s) Cooke V. Colehan, 2 Stra. 1217, Willes, 393. 
 
 (t) In Colehan v. Cooke, Willes, 393, 396, Willes, C. J. said : " I put a question to 
 the counsel, whether there is any limited time mentioned in any of the books beyond 
 which if bills of exchange are made payable thej' are not good, and it was agreed by 
 the counsel that they could find no such rule, and I am sure I can find none. But if a 
 bill of exchange be made payable at never so distant a day, if it be a day that must 
 come, it is no objection to the bill. There is but one passage in the books wherein any 
 notion to the contrary is so much as hinted at ; and that is in Scacchius de Commerciis, 
 where it is said that it had been formerly an objection against a bill of exchange, as 
 contrary to the nature of it, that it was made payable at the end of seven months ; but 
 by his making use of the word ' formerly,' it is plain that in his opinion the law was 
 then held to be otherwise." 
 
 (u) Andrews v. Franklin, 1 Stra. 24 ; Evans v. Underwood, 1 Wilson, 262. 
 
 (v) Stevens v. Blunt, 7 Mass. 240 So in Goodloe v. Taylor, 3 Hawks, 4.')8, where 
 a note was drawn as follows: "Against the 25th of December, 1819, or when the 
 house John Mayfield has undertaken to build for me is completed, I piomise to pay," 
 &c., it was held, that the parties, by inserting a specific date of payment, had made it 
 payable at all events, whether the house was completed or not; and that consequently 
 the note was negotiable. In Cota v. Buck, 7 Met. 588, the instrument was in tills 
 form : " For value received I promise to pay J. P. or bearer $ .'J70, it being for property 
 I purchased of him in value at this date, as being payable as soon as can be realized of 
 the above amount for the said property 1 have this day purchased of said P., which is 
 to be paid in the course of the season now coming." Held, that it was a negotiable 
 promissory note. iShuw, C. J. said : " This note, we think, was payable by the prom- 
 isor at all events, and witliin a certain limited time. The note is ob.seurely written 
 and ungrammatical. But we think the meaning was this ; that the signer, for value 
 received in the purcbas(! of property, promised to pay Pero or bearer the sum named 
 as soon us the tt mination of the coming season, and sooner if the amount could be 
 Booner realized ou of the fund. Sucii reference to the sale of the projierty was not to 
 fix the fund from \ Mi'h it was to be paid, but the time of payment. The undertaking 
 to pay was .\bsolu'c, and diil not depend on tlie fund So as to the time, whatever 
 time may he und(;r.'tood as the ' coming season ' ; whether harvest time or the end of 
 the year, it m.\st coi.ie l)y mere laps<' of time, and that must be the ultimate limit of 
 the in e of pt vnient." But in Alexander r. Thomas, IG Q. P 333, it was 'wld, that
 
 CII. III.] CERTAINTY AS TO THE TIME OF PAYMENT. 41 
 
 not easy to discover them, unless the note was read as a promise 
 to pay on the 20th of May at all events, and sooner if the build- 
 ing was finished sooner. It has been held that a promise in writ- 
 ing to pay A a certain sum, " in such manner and proportions, 
 and at such time and phice, as he shall, from time to time, re- 
 quire," is a promissory note.(w) 
 
 In general, it is not essential to a note that it should be dat- 
 ed ; (x) and if there be no date, it will be considered as dated at 
 the time it was made.(7/) If it be dated, the date will be prima 
 facie evidence of the time when the note was made,(;:;) but not 
 conclusively. (a) So a note may be dated forward or antedated,(6) 
 
 an order for a sum " payable ninety days after sight, or when realized" is not a bill 
 of exchange, as the latter alternative makes the sum payable on a contingency. For 
 the plaintiff it was said : "The meaning of the bill of exchange as described in the 
 declaration is, that it is to be paid ninety days after sight at all events, or sooner if 
 the drawee is in funds before that period." Lord Cam2)bell : "Even on this con- 
 struction it would be uncertain whether it would be payable at all within the ninety 
 days, and if paj'able within that time, on what particular day it would be so payable." 
 And afterwards his Lordship, in delivering his judgment, said: "If we could reject 
 the words 'or when realized' as insensible, the bill would certainly be unexception- 
 able. But a reasonable meaning has already been ascribed to them, viz. 'or when you 
 are in funds for the purpose.' I do not see why this alternative is to be taken as 
 limited to the tei'm before the expiration of the ninety days rather than after. I 
 should say the meaning is, that the bill is to be paid at the end of ninety days if the 
 drawee should be then in funds, if not, that it shall be payable afterwards. Even, 
 however, if the other is the riglit meaning, nameh', that the bill is payable sooner if 
 the drawee should be sooner in funds, and if not, at the end of ninety days at all 
 events, I tliink this would not be a good bill ; for the holder would have to watch and 
 ascertain tlie precise time when the bill should become payable, and, if he failed in 
 doing this and in duly presenting it, the drawer would be discharged. I am of 
 opinion that this is not a good bill of exchange, drawn according to the custom of 
 merchants, so as to relieve tlie plaintiff from the necessity of stating a consideration 
 for it." And see Henschel v. Mahler, 3 Denio, 428. 
 
 (w) Goshen, &c. Turnp. Co. v. Hurtin, 9 Johns. 217; Washington County Mut, 
 Ins. Co. V. Miller, 26 Vt. 77. 
 
 (x) See Michigan Ins. Co. v. Leavenworth, 30 Vt. 11. 
 
 (y) l)e la Courtier v. Bellamy, 2 Show. 422; Hague v. French, 3 B. & P. 173; 
 Giles V. Bourne, 6 Maule & S. 73. 
 
 {z) Anderson v. Weston, 6 Bing. N. C. 296; Emery v. Vinall, 26 Maine, 295; Tay- 
 lor V. Kinloch, 1 Stark. 175; Ubbard »a Betham, Moody & M. 483; Smith v. Battens, 
 1 Moody & K. 341. But see Cowie v. Harris, Moody & M. 141 ; Kose v. Kowcroft, 
 4 Camp. 245. 
 
 (rt) Dean v. De Lezardi, 24 Missis. 424; Aldridge v. Branch Bank, 17 Ala. 45. But 
 the maker, it seems, will not be allowed to contradict the date of tlie note, to the pre- 
 judice of a bona J.de holder. Huston v. Young, 33 Maine, 85. 
 
 (&) Gray v. Wood, 2 Harris & J. 326 ; Kichter v. Selin. 8 S. & R. 425; Pasmore v. 
 Nortli, 13 East, 517. The case of Serle v. Norton, 9 M. cSc W. 309, is entirely consistent 
 4 i'
 
 42 NOTES AND BILLS. [CIL m. 
 
 if dated forward, and any of the parties die before the day comes, 
 such death will not affect the rights of a buna fide holder, (c) 
 
 SECTION V. 
 
 OF CERTAINTY AS TO THE FACT OF PAYMENT. 
 
 The necessity of this certainty, which is perhaps the most 
 important of all, is usually expressed by the rule, that the prom- 
 ise must not be on a contingency. The reason of this is very 
 apparent. The paper is intended, if negotiable, to circulate in 
 business as money ; and this on the ground that on a certain day 
 it will become money. It is perfectly obvious, therefore, that all 
 chances of a failure in this respect must be avoided, against 
 which it is possible to guard. The possibility of the insolvency 
 of the promisor, or his inability to pay when the time of payment 
 comes, is a risk that must always be borne ; but it would be most 
 unwise to add to this other contingencies ; for if these could be 
 estimated between the original parties, a subsequent holder of 
 the paper, or one to whom it was offered in the course of busi- 
 ness, might be wholly unable to judge of the probabilities of the 
 contingency, and estimate the risk accordingly. 
 
 Tiius, if the money be payable " provided J. S, shall leave ma 
 sufficient, or I shall otherwise be able to pay it," this is a fatal 
 contingency. (^) So if the promise is connected with the receipt 
 of drafts or notes, and is to be understood as a promise to repay 
 them ; if they are not paid, nothing will be due on the promise, 
 and as it is not certain that they will be paid, this also is a con- 
 tingency fatal to the character of the paper as a promissory note, 
 
 with tli(^ statement in tlie text. It wns then; luld, tliat a ])ost-(late(l clieck is altoyethcr 
 voiil, and caiiiiot i)c received in evidence for any purpose. But this decision proceeded 
 entirely upon ii provision in an Enf;lish Stamp Act. Cliancellor Kent seems to have 
 supposed that it was independent of any statutory provision. In 3 Kent, Com. 75, note, 
 lie says : " In the hue case in Kn;jland of Serlc v. Norton, 9 M & W. 309, u post-dated 
 check was hchl nltot^cther void. We may well deinnr to tliat decision." 
 
 (r) I'lismore v North, l.'i Kast, .')17. In this case it was held, tlnu the indorsee of a 
 bill of (!xchan;re, made |)ayahl(! sixty-five days after date, which was issued hy the 
 drawer and indorscul hy the ])ayc(^, who die(l liefore the day when it bore chite, nniy 
 make, title throu>;h Hiich indorsctinent, in ord(!r to recover on the hill against the dravrer 
 
 (il) l^dlirrts r IVake, 1 Burr. 323.
 
 Cir. III.] CERTAINTY AS TO THE FACT OF PAYMENT. 43 
 
 even if it be not negotiable, (<?) If payaljlc provided terms expressed 
 in certain letters or otlier documents are complied with ; (/) or on 
 condition that the note shall be void if any dispute shall arise as 
 to the consideration for it ; (g-) or for the payment of all balances 
 which shall be due from the maker to the extent of the amount 
 expressed in the note ; (h) or payable when certain property is sold 
 by the drawee ; (i) or if A shall not be surrendered to prison within 
 a certain time ; (j) or if A shall not pay certain money on a cer- 
 tain day ; (k) or if it be payable only out of a particular fund, as 
 '' out of my growing subsistence," (/) or " out of rents," (m) or 
 " out of money in the hands of," &c. ; (n) or " out of certain money 
 as soon as it shall be received " ; (o) or " out of a certain payment 
 when due ; "(p) or " for value received in stock, &c., this being in- 
 tended to stand against me as a set-off for that sum left me by my 
 father above my sister's share," (g-) which would not be payable if 
 the will were not finally carried into effect ; or " provided A shall 
 not return to England, or his death be certified before," &c. ; (r) 
 or payable "four years after date, if I am then living" ;(.s) or 
 at certain periods, the instalments to cease at the death of the 
 
 (e) Williamson v. Bennett, 2 Camp. 417. 
 
 (/) Kingston v. Long, Bayley on Bills (2d Am. ecL), 14, n. (30), 4 Doug. 9. 
 
 (g) Hartley v. Wilkinson, 4 Camp. 127, 4 Maule & S. 23. 
 
 (h) Leeds v- Lancashire, 2 Camp. 205. 
 
 (i) De Forest v. Frary, 6 Co wen, 1.51. 
 
 (j) Smith V. Boheme, cited in Jenney »;. Herle, 2 Ld. Raym. 1361, and in Morris » 
 Lee, 2 Ld. Ilaym. 1396. For the pleadings, see 3 Ld. Raym. 63. 
 
 (k) Appleby v. Biddolph, cited in Morice v. Lee, 8 Mod. 362. 
 
 {D Josselyn v. Lacier, 10 Mod. 294, 317, Fort. 281. 
 
 (m) Diet, in Jenney v. Herle, 2 Ld. Raym. 1362. 
 
 (rt) Jenney v. Herle, 2 Ld. Raym. 1361, 1 Stra. .591, 8 Mod. 266. 
 
 (o) Dawkes v. De Lorane, 3 Wilson, 207, 2 W. Bl. 782. In this case De Grey, C. J 
 said : " The instrument or writing which constitutes a good bill of exchange according 
 to the law, usage, and custom of merchants, is not confined to any certain form or set 
 of words, yet it must have some essential qualities, without which it is no bill of ex- 
 change ; it must carry with it a personal and certain credit given to the drawer, not 
 confined to credit upon any thinr/ or fund : it is upon the credit of a person's hand, as 
 on the hand of the drawer, the indorser, or the person who negotiates it ; he to whom 
 such bill is made payable or indorsed takes it upon no particul.ar event or contingency, 
 except the failure of the general personal credit of the persons drawing or negotiating 
 the same." 
 
 (p) Haydo-k v. Lynch, 2 Ld Raym. 1563. 
 
 iq) Clarke v. Percival, 2 B. & Ad. 660. 
 
 (r) Morgan v. Jones, 1 Cromp. & J. 162. 
 
 (s) Br.aliam v. Buhb, Chitty on Bills (9th ed.), 135. Abbott, C. J. said : "I think this 
 is not like a note p.ayable on the maker's death, which is an event that must happen, 
 but here it is contingent whether the note will ever be payable; for if the maKer should 
 die within the four years, no payment is to be made."
 
 44 NOTES AND BILLS. [CH. III. 
 
 payee ;{{) or to pay one certain wages "if he do his duty as," &c. ;{u) 
 none of these promises would be held to be sufficiently absolute and 
 free from condition or contingency to satisfy the requirements of a 
 promissory note, even if it were not negotiable. In New York it 
 is held that a note made and delivered in the promisor's lifetime, 
 but payable at his death, is not a testamentary disposition of prop- 
 erty, but gives an inchoate right to be completed by proyision or 
 action at the maker's death. (mw) On the same principle, a guaranty 
 can never be a promissory note, for it is not an absolute promise to 
 pay money. Tlie contrary doctrine seemed at one time to be estab- 
 lished in New York,(t') but it has been entirely overthrown by 
 more recent cases. (w) The statement of a particular fund in a bill 
 of exchange will not vitiate it, if it be inserted merely as a direc- 
 tion to the drawee how to reimburse himself.(a') So also, it is no 
 objection to a bill or note, that it states the transaction out of which 
 it arose, or the consideration for which it was given. (3/) 
 
 {t) Worley v. Harrison, 3 A. & E. 669. If tliere is a contingency, it matters not 
 whether it is one upon which the liability is to cease or to arise; in other words, 
 whether it is a condition precedent or a condition subsequent. lb. 
 
 {u) Alves V. Hodgson, 7 T. R. 241. 
 
 {uu) Worth V. Case, 42 N. Y. 362. 
 
 (u) Lcqueer v. Prosser, 1 Hill, 256, 4 Hill, 420; Hough v. Gray, 19 Wend. 202; 
 Ketehell v. Burns, 24 Wend. 456 ; Miller y. Gaston, 2 Hill, 188. 
 
 (w) See Manrow v. Durham, 3 Hill, 584, 2 Comst. 533 ; Brown v. Curtiss, 2 Comst. 
 225 ; Hall v. Farmer, 5 Dcnio, 484, 2 Comst. 553 ; Brewster v. Silence, 4 Seld. 207. 
 And see Leggett v. Raymond, 6 Hill, 639 ; Weed v. Clark, 4 Sandf. 31 ; Robins v. 
 May, 11 A. & E. 213 ; Tinker v. McCauley, 3 Mich. 188, overruling Higgins v. Wat- 
 son, 1 Mich. 428. 
 
 (x) Thus, where A. B., by an order in writing, requested the defendant to pay to the 
 plaintiff or order £9 10s. " as my quarterly iialf-pay, to be due from 24tli of June to 
 27th of September next, by advance," it was held, that this was a bill of exchange. 
 Tiic court said : " The mention of the lialf-pay is oidy by way of direction liow lie shall 
 reimi)urse himself, but the money is still to be advanced on the credit of the person." 
 Madcod V. Snec, 2 Stra. "62, 2 Ld. Raym. 1481. In Reesidc v. Knox, 1 Miles, 294, 
 2 Whart. 2'13, it was held, tliat an order drawn by a mail-contractor upon the Post- 
 master-Gc^neral for a certain sum, and directing him to charge the same "to my account 
 for transport lug the U. S. mail," was not a bill of exchange. The decision, however, 
 was not based upon the form of the bill, but upon the fact that it was drawn ufion gov- 
 ernment. Si'd(in(v.rc Sec United States t'. Bank of the Metropolis, 15 Pet. 377. See 
 further, Strader v. Batehclor, 8 B. Mon. 168; Rico v. Porter, 1 Harrison, 440; Bank 
 of Kentucky i;. Sanders, 3 A. K. Marsli. 184 ; Kelley y. Mayor of Brooklyn, 4 Hill, 
 263 ; Coursin v. Ledlie, 31 IVnu State, 506. 
 
 (//) TliuH, in Ilaussoullier v. Hartsiiuk, 7 T. R 733, it was hekl^ that a note by wliich 
 A promised to j)ay to the beann- £ .')0, " being a portion of a value iis undei- deposited 
 in security for the |)aymcnt flien-of," might be declared on as a j)romissory note. So 
 in Wells v. Brigliain, 6 (-usii. 6. it was luld, that an order dirccliug the defendant to 
 pay A. B. a certain sum, '• which is due me fitr tli(' two horse wagon bought last tpring," 
 was a bill of exchange. And see Kancourt r. Thorne, 9 Q. B 312; Vanier c. Noble- 
 Ujnjugij 2 Grecnl I'Ji. Sic, however, Van Wagner r. Terrett, 27 Barb Ipi.
 
 en. III.] CERTAINTY AS TO THE FACT OF PAYMENT. 45 
 
 In many of the above cases it was an order rather than a promise, 
 and the question was not whether a certain instrument was a prom- 
 issory note, but whether it was a bill of exchange. In this respect, 
 however, these instruments are precisely the same. (2) 
 
 As it is the purpose of promissory notes to represent money, 
 and to perform, so far as possible, all its functions, it is of course 
 necessary that they should be payablp in money. A promise in 
 writing, therefore, to pay or deliver specific articles, or to do any 
 act other than pay money, has none of the characteristics or privi- 
 leges of negotiable paper. And though it contain a promise to 
 pay money, if it also contain a promise to do something else, it 
 is not a promissory note. Thus, a note promising to deliver up 
 horses and a wharf and pay money on a particular day is not a 
 promissory note. (a) So if the promise is in the alternative to 
 pay a certain sum in money or specific articles, it is not a prom 
 issory note. (6) 
 
 On one point there is some difference between the English 
 authorities and our own, and some conflict in those of this 
 country. In England it is held quite strictly that the promise 
 must be to pay money ; and a promise to pay a sura " in good 
 East India bonds," or even " in cash or Bank of England notes," 
 
 (?) The cases upon this subject are very numerous, but we do not deem it necessary 
 to state them more at length. Richardson v. Martyr, Q. B 1855, 30 Eng. L. & Eq. 
 365; Raigauel v. Ayliff, 16 Ark. 594; Owen v. Lavine, 14 Ark. 389; Hamilton v. 
 Myrick, 3 Ark. 541 ; Henry v. Hazcn, 5 Ark. 401 ; Smalley v. Edey, 15 111. 324, 
 Kinney v. Lee, 10 Texas, 155 ; Sheuton v. James, 5 Q, B. 199 ; Dyer v. Covington 
 Township, 19 Penn. State, 200 ; Mills v. Kuykendall, 2 Blackf. 47 ; Drury v. Macaulay, 
 16 M. & W. 146 ; Banbury v. Lisset, 2 Stra. 1211 ; Carlos v. Fancourt, 5 T. R. 482 ; 
 West V. Foreman, 21 Ala. 400 ; Shields v. Taylor, 25 Missis. 13 ; Worden v. Dodge, 
 4 Denio, 159 ; Hodges v. Hall, 5 Ga. 163 ; Van Vacter v. Flack, 1 Smedes & M. 393 ; 
 Crawford v. Cully, Wriijjht, 453 ; Wiggins v. Vaught, Cheves, 91 ; Weidlcr v. KaufF- 
 man, 14 Ohio, 455 ; Cook v. Satterlec, 6 Cowen, 108; Atkinson v. Manks, 1 Cowen, 
 691 ; Waters v. Carleton, 4 Port. 205 ; Tucker v. Maxwell, 11 Mass. 143 ; Nichols v. 
 Davis, 1 Bibb, 490 ; Smurr v. Forman, 1 Ohio. 272 ; Curie v. Beers. 3 J. J. Marsh. 
 170; Coolidge v. Rugglcs, 15 Mass. 387 ; Fralick v. Norton, 2 Mich. 130; Drawn c. 
 Cherry, 14 La. Ann 694; LanfV-ar v. Blossman, I La. Ann. 148. 
 
 (a) Martin v. Chauntry, 2 Stra. 1271 . And see, to the same effect, Wallace v. Dyson, 
 1 Specrs, 127; Barnes v. Gorman, 9 Rich. 297; Austin v Burns, 16 Barb. 643; 
 Knight )'. Wilmington & M. R. R. Co., 1 Jones, N. Car. 357 ; Jerome v. Whitney, 
 7 Johns. 321; Saxton v. Johnson, 10 Johns. 418; Peppen v. Peytavin, 12 Mart 
 La. 671. 
 
 (h) Dennett »•. Goodwin, 32 Maine, 44 ; Matthews v. Houghton, 2 Fairf. 377; Alex- 
 ander r. Oaks, 2 Dev. & B. 513; Atkmson v, Manks. 1 Cowen, 691.
 
 46 NOTES AND BILLS. [CH. Ill 
 
 was held not to be sufficient. (c) Such seems to be the rule in 
 Massachusetts. (g?) But in New York, " payable in York State 
 bills or specie," (e) was held good ; and so was a note payable 
 in "bank-notes current in the city of New York."(/) But one 
 payable in " Pennsylvania or New York paper currency, to be 
 current in the State of Pennsylvania or the State of New York," 
 was held in New York not to be a good note. (<,'■) In Pennsyl- 
 vania, a note payable " in bank-notes of the chartered banks 
 of Pennsylvania" was held not to be a negotiable note. (A) In 
 Tennessee, it is held that a note payable " in current bank- 
 notes," or " current bank-notes of Tennessee," is not a nego- 
 tiable instrument.(i) In North Carolina, a note payable "in cur- 
 rent notes of" any State is not negotiable, and cannot be sued by 
 indorsee in his own name.(»') In Oliio, that a note payable in the 
 
 (c) Ex parte Imeson, 2 Rose, 225; Ex parte Davison, Buck, 31 ; Bull. N. P. 272. 
 
 (d) Jones v. Fiiles, 4 Mass. 24.5 ; and see Young v. Adams, 6 Mass. 182. 
 
 (e) Keith v. Jones, 9 Johns. 120. 
 (/) Judah V. Harris, 19 Johns. 144. 
 
 {g) Leiber v. Goodrich, 5 Cowen, 186 Sutherland, J. said : " Payment in any bank- 
 bills generally current in the State of Pennsylvania, although not current in this State, 
 would satisfy the terms of the note. Its legal effect, therefore, is the same as though it 
 had been payable merely in bank-bills current in the State of Pennsylvania. Are such 
 bills known, ajjproved of and used in this State as cash ? I believe that in truth most 
 of the Pennsylvania bills pass only at a discount in tiiis State. But if the fact be 
 otherwise, it certainly is not so notorious that we can officially take notice of it. The 
 note, therefore, is not payable in cash, but in something differing in value from cash. 
 Of course it is not negotiable under the statute York State bills, and bank- 
 notes current in the city of New York, have been held to be equivalent to lawful cur- 
 rent money of the State. We may officially take notice tliat our own bank paper is, 
 in conformity witli common usage and common understanding, i-egardcd as cash. But 
 we cannot be supposed judicially to know the value of the paper currency of other 
 States." Tiic question in this case arose on a demurrer to tiie declaration. In Tliomp- 
 Bon V. Sloan, 2.3 Wend. 71, it was held, that a note made in New York for $ 2,.')00, 
 " payable at the Commercial Bank in Buffalo, in Canada money," was not negotiable. 
 And in Little v. Phcnix Bank, 2 Hill, 42.5, 7 Hill, .359, it was held, that a check 
 drawn in New York upon a bank in Mississippi, jiayablc in current bank-notes, was 
 not negotiable. 
 
 (/() .M'Cormick v. Trotter, 10 S. & R 94. Duncnn, J. said: "It was not a promise 
 to pay money, cither in legal contemplation or in the contemplation of tlie |)artics wiien 
 they contracted. It is an utumswerablc objection to the action, that the defendant 
 might, according to this coniract, have tendered tlic * 500 in the notes of any chartered 
 hank, however dcprcciatril tliiir paper might be. In a note for money, nothing but 
 current coin would be, a tiiiilrr." So in Gray v. Donahoe, 4 Watts, 400, it was hdd, 
 that a not(! payable " in current bank-notes" was not negotiable. 
 
 (/) Gamble V. Hatton, I'<'<k. 1.30; Childress v. Stuart, Peck, 27f> ; Kirkpatrick v 
 McCulough, .3 IIiiiiii)li. 171 ; Whiii'iiiiiii r. (Childress, 6 Ilmnph. .30.3. 
 
 (ii) Wiirrcti V. liruwii, Wi N. C. ,381.
 
 CH. III.] WHEN AN UNCERTAINTY IS MATTER OF FORM. 47 
 
 bills of a particular bank is not for the payment of money. (y) In 
 Minnesota, a note payable "in currency" is negotiable and payable 
 in money.{ik) In England, Bank of England notes are a legal 
 tender by law excepting by the bank itself ;(y) and in this country 
 no paper is so. It is a little remarkable, therefore, that the law in 
 that country is more strict on this point than in our own. We think 
 it not more strict only, but more sound and more in harmony with 
 the nature, purpose, and function of negotiable paper. We add in 
 a note a few additional authorities on this question. (/;) 
 
 SECTION VI. 
 
 WHEN AN UNCERTAINTY IS MATTER OF FORM AND NOT OF SUBSTANCE. 
 
 It should be remarked, to prevent misconception, that the ques- 
 tion whether such a condition, contingency, or uncertainty as either 
 of those above enumerated prevents a written paper from being a 
 promissory note, is, not unfrequently, one of form rather than of 
 substance, unless the note be negotiable and negotiated, and the 
 question occurs in relation to one or more persons who are parties 
 to the note or interested in it under the law of indorsement. In that 
 
 (y) Sliamokin Bank v. Street, 16 Ohio, 1. 
 
 (ik) Butler v. Paine, 8 Minn. 324. 
 
 {j) See post^ cliapter on Bank-Notes. 
 
 {k) In Irvine v. Lowry, 14 Pet. 293, it was held, that a note payable "in office notes 
 :)f tlic Lumberman's Bank," was not negotialile. In Hasbrook v. Palmer, 2 McLean, 
 10, it was held, that a note executed in Michigan, payable in New York, in New York 
 funds or their equivalent, was not negotiable. In Pry v. Rousseau, 3 McLean, 106, it 
 was held, that a note payable " in current bank-bills " was not negotiable. To the same 
 effect is Collins v. Lincoln, 1 1 Vt. 268, where the note was payable " in current bills." 
 And see State v. Corpening, 10 Ired. 58 ; Kirkpatrick v. McCulough, 3 Humph. 171; 
 Whiteman v. Childress. 6 id. 303. In Swetland v. Creigh, 15 Ohio, 118, it was held, 
 that a note payable " in current Ohio bank-notes " was for a sum certain, and nego- 
 tiable. The same was held in Wiiite v. Richmond, 16 Ohio, 5, where the note was 
 payable " in current funds of the State of Ohio." See Besancon v. Shirley, 9 Smedes 
 & M. 457. In Lange v. Kohne, 1 McCord, 115, it was held, that a note payable in 
 " paper medium " was not negotiable. And see Bank of Hamburg v Johnson, 3 Rich. 
 42. In Lacy v. Holbrook, 4 Ala. 88, it was held, that a note payable in " funds current 
 in the city of New York " was negotiable. In Arkansas it has been held, that a note 
 payable " in good current money of this State," or in " Arkansas money," is nego- 
 tiable. Graham v. Adams, 5 Ark. 261 ; Wilburn v. Greer, 1 Eng. 255. Otherwise, 
 if it be payable "in Arkansas money of the Fayetteville Branch." Hawkins v. Wat- 
 kins, 5 Ark. 481. See Wilamouicz v. Adams, 8 Eng. 12 ; Farwell v. Kennett, 7 Misso. 
 595. In Ogden v. Slade, 1 Texas, 13, a note payable in lawful funds of the United 
 States or its equivalent was held to be payable in gold or silver or paper currency, and 
 was considered as negotiable under the " very peculiarly blended system of law and 
 equity " in Texas. See also Fleming v. Nail, 1 Texas, 246 ; Chevallier v. Buford, 
 id. 503.
 
 48 NOTES AST) BILLS. [Cll. IIT. 
 
 case, if the uncertainty were such that the instrument was not a ne- 
 gotiable promissory note, it would seldom be the case that it could 
 have any obligation or any efficacy whatever. Whereas, if the objec- 
 tion was fatal to the paper as a promissory note, but it was not nego- 
 tiable, or, if negotiable, not negotiated, or indeed if it had been 
 negotiated, but this question arose between the original parties, 
 though it could not be declared upon as a promissory note, it 
 mio;ht still be evidence of an agreement. And a party, by 
 framing his case accordingly, might generally secure all the ad- 
 vantages which would belong to the instrument as a promissory 
 note. But then he would be obliged to aver and to prove a 
 consideration for the promise, and also that the condition had 
 been performed, or that the contingency had occurred on which 
 the promise was made. And if in the actual contract there was 
 such a condition or contingency, and the plaintiff did not state 
 it, the defendant might show it in defence. Whereas if the 
 plaintiff relied upon the written instrument as a promissory note, 
 it would not relieve him from the objection of- contingency to 
 aver and prove that the contingency had happened or the condi- 
 tion been performed on which the promise was dependent, be- 
 cause no such event could make a paper so written a promissory 
 note. And on the other hand, if it were on its face free from 
 any such objection, the defendant could not avoid the note by 
 showing that such condition or contingency entered into the bar- 
 o-ain ; although he might, under certain circumstances, make 
 out a substantial defence on this ground. 
 
 SECTION VII. 
 
 OF DELIVERY. 
 
 This is one of the essentials of bills and notes, for although it 
 is (){\vu said that a note is made, when all we mean is that it has 
 l)ecn written and signed, the note is not made in a legal sense, 
 that is, it is not jK-rfccted, and the maker is under no obligation 
 whatever as maker, until it is delivered. (/) 
 
 (/) Hopper V. Eilnnd, 21 Ala. 714; Chiiniberlnin v. TI^pps, 8 Vt. 94; Lansing 
 V. (Jniiic, 2 JolinH. .3()(); Miirvin v. Mc'Cullnm, 20 Jolins. 288, A indorsed a note, 
 find died lid'orc delivery. Ilifi executor delivered it. Held tliiit no title passed, 
 Cliirk ri. H<).vd, 2 Ohio, 50; r,n)inii>,'e w, Lloyd, 1 Kxcli. 32; Clark v. Sif^owrney, 
 17 Conn, .Ml, Otliciwi.-e it deliveied lo a per.wn who had made advances on ihe t'ailh
 
 CH. III.j DELIVERY. 49 
 
 Some questions have arisen as to what rights or obhgations are 
 created by promissory paper which was completely written and 
 signed, but never actually delivered by the promisor, and was 
 stolen from him, or lost by him and found by another, and by the 
 thief or finder passed to an innocent holder for value. These 
 questions are considered elsewhere. (w) 
 
 As a note takes effect only by delivery, so it takes effect only 
 on delivery, and if this delivery be subsequent to the date, it is 
 still to be considered as valid only from that day.(w) In the ab- 
 sence of evidence to the contrary, the law will presume that it 
 was delivered on the day of the date.(o) 
 
 If it be made payable in so many days, or weeks, or months, 
 from the date, this period must begin from the date which the 
 paper bears, without reference to the day of actual delivery. For 
 it is perfectly competent for the parties to agree that the money 
 should be payable when they please, and they express their agree- 
 ment on this point by making it payable in so many days from a 
 certain day. Thus, if a note payable in three months from date, 
 were delivered four months after date, it would be payable on 
 demand. 
 
 If a note payable on time had no date, the time must be 
 counted from the delivery. And this must be the actual deliv- 
 ery, if that can be proved. If not, then the time will begin from 
 
 of the bill. Perry v. Crammoncl, 1 Wash. C. C. 100. See Michigan Ins. Co. v. Leav- 
 enworth, 30 Vt. 11. Delivery is necessary to an acceptance. Cox v. Troy, 5 B. & 
 Aid. 474, 1 Dow & R. 38, overruling Thornton v. Dick, 4 Esp. 270. Tiie delivery 
 must be to the party as indorsee. Adams v. Jones, 12 A. & E. 45,5 ; Marston v. Allen, 
 8 M. & W. 494; Brind v. Hampshire, 1 M. & W. 365. The date, not the time of de- 
 livery, fixes the time from which payment is to be calculated. Bumpass v. Timms, 
 3 Sneed, 459. So also the time from which the statute of limitations begins to run. 
 Montague v. Perkins, C. B. 1853, 22 Eng. L. & Eq. 516. 
 
 (m) See post, chapter on Lost Notes. 
 
 (?)) De la Courtier v. Bellamy, 2 Show. 422 ; Hague v. French, 3 B & P. 173 ; Giles 
 V. Bourne, 6 Maule & S. 73, 2 Chitt. 300. In Powell v. Waters, 8 Cowen, 669, it was 
 held, that a note when delivered takes effect from its date by relation. So also Snaith 
 V. Mingay, I Maule & S. 87 ; Barker v. Sterne, 9 Exch. 684. Hence a note dated on 
 Sunday, but delivered on a week day, is valid. Lovejoy v Whipple, 18 Vt. 379 ; Al- 
 dridge v. Branch Bank, 17 Ala. 45 ; Drake v. Rogers, 32 Maine, 524. Sec Clough v. 
 Davis, 9 N. H. 500. Where a statute made certain kinds of promissory' notes, issued 
 after a given day, void, it has been held that the maker may prove a note dated before 
 •hat day to have been delivered after it Bayley v. Taber, 5 Mass. 286. 
 
 {o) Sinclair i'. Baggaley, 4 M. & W. 312; Anderson v. Weston, 6 Bing. N. C. 296; 
 Konerts v. Bethell, 12 C. B. 778. 
 
 Vol. I.— D
 
 50 NOTES AND BILLS. [CH, IIL 
 
 the earliest day at which it can be shown that the holder, or some 
 one from whom the holder derives title, had possession of the pa- 
 per. (/>) For where a note is in possession of a payee, the law 
 will presume that it was delivered to him in accomplishment of 
 the purpose for which it was written. (^) But this presumption 
 is always open to rebutter. (r) 
 
 From the presumption of law in favor of possession, a prom- 
 issor is bound to pay a note when due, in whosever hands it may 
 then be, unless he can show that the holder has no legal right to 
 it ; for without this proof, he must presume, as the law presumes, 
 that there had been a lawful delivery of it to the holder. (5) 
 
 It has been doubted whether a delivery which gives no interest 
 in the paper can give title or authority to sue it in the name of 
 the holder. We think it can ; and that a plaintiff may recover 
 
 ( p) Camp V. Tompkins, 9 Conn. 545 ; 'Woodford v. Donvin, 3 Vt. 82 ; Clark v. 
 Sif^ourney, 17 Conn. 511 ; Richardson t;. Lincoln, 5 Met. 201. 
 
 {q) See Woodford v. Dorwin, 3 Vt. 82. In this case it appeared " that in the first of 
 the year 1820 Samuel Hurlhurt, Canfield Dorwin, and T. M. Dorwin formed a copart- 
 nership in trade, which continued until the 1st of April, 1821, when they dissolved, and 
 settled up their concerns as between themselves. Hurlhurt left the country previous 
 to 1828, but at what particular time did not appear. When he left, he deposited his 
 papers in a box, and made it fast. In this box, it is said, the note in question was 
 deposited. The 9tli of May, 1 828, Hurlburt addressed a letter to J. ^tcNcil, in which 
 it appears that Hurlburt and the Dorvvins had money of Jerusha Woodford (one of 
 thf, plaintiffs), and that the note in question would be found in the box. The two 
 letters which the plaintiffs contend contain evidence of a new promise, or acknowl- 
 rdgment of the debt, are ambio;uous : it does not distinctly appear that the money, 
 which he says was borrowed of Mrs. Woodford, formed the consideration for the 
 note, though it may be inferred. In the first he says : ' William has written me that 
 Dorwins refuse to do anything about the note signed by them with me to Mrs. Wood- 
 ford. I have no tlistinct recollection aiiout my settlement with Dorwins,' etc. Again : 
 ' I had none of the $ 280 note you went after, which is in with your note in a bo.x 
 nailed up.' He then gives assurances that he will secure the plaintiffs and pay all he 
 owes them shortly. In the other, of December 15, 1828, he says : ' Some time or other 
 Messrs. C. & T. M. Dorwins and I, had some money of Mother Woodford, for our 
 company's use. and she not wanting it, we kept it until we dissolved ; and he says I 
 was to pay that particular dciit. and he the others.' At the trial before the county 
 court, the jury were instructed, that there could be no recovery on the note, as it did 
 not apjjcar to have been delivered by the firm to the plaintiffs oranyotlicr one, without 
 which the contract was not complete." And the Supreme Court said they were "sat- 
 isfied that the note ought to take effect from the delivery ; and as the firm had then 
 long been dissolved, it had no binding cffict whatever Hi)on this defendant. Therefore, 
 the judgment of the county court nin<t lie affirmed." 
 
 (»•) Woodford V. Dorwin, 3 Vt. 82; Vallcft v. Parker, 6 Wend. 615. 
 
 U) Oriswold V. Davis, 31 Vt. 390.
 
 CH. m.] DELIVERY. 51 
 
 ii' ho produces the note at trial, because it will be presumed, in 
 the absence of evidence to the contrary, that he recovers for the 
 actual owner. We say, therefore, that it is quite enough to 
 maintain the suit, that the owner delivered it to the present 
 holder and plaintiff, for the purpose of an action, if tliis be not 
 done fraudulently, or to the injury of the defendant. (^) 
 
 The presumptions in favor of possession, and the burden of 
 proof wliich they create, will be more fully considered in a future 
 section. (?y) 
 
 A note, as well as a deed, may be delivered as an escrow, and 
 the law of escrows is substantially the same in both cases. But 
 the liability of the maker or indorser begins on the happening of 
 the event, or the performance of the conditions for which it was 
 delivered to the depositary, without any actual delivery by him 
 to the promisee. (y) 
 
 A note cannot be delivered directly to the promisee, to be held 
 by him as an escrow. (r^) And if it be delivered by the promisor 
 only as an escrow to a depositary, and is by him wrongfully dis- 
 posed of, and passes into the hands of an innocent holder for 
 value, the fact that it was delivered as an escrow will be no de- 
 fence against the holder, (x) 
 
 (0 Austin V. Birchard,31 Vt. 589. 
 
 (m) For cases on this subject, see Paterson v. Hardacre, 4 Taunt. 114 ; Solomons v. 
 Bank of England, in notes to 13 East, 135 ; King v. Milsom, 2 Camp. 5 ; Cruger v. 
 Armslrong, 3 Johns Gas. 5 ; Conroy v. Warren, 3 Johns. Cas. 259; Aldrich v. War- 
 ren, 16 Maine, 465 ; Munroe v. Cooper, 5 Pick. 412 ; Wheeler v. Guild, 20 Pick. 545. 
 
 (v) Couch V. Meeker, 2 Conn. 302. See Bradley v. Bentley, 8 Vt. 243. 
 
 {w) Badcock v. Steadman, 1 Root, 87. See, however, Jefferies v. Austin, 1 Stra. 
 674 ; Goddard v. Cutts, 2 Fairf. 440. 
 
 (x) Vallett V. Parker, 6 Wend. 615.
 
 52 NOTES AND BILLS. [CH. IV. 
 
 CHAPTER ly. 
 
 Oi BILLS OF EXCHANGE, 
 
 SECTION I. 
 
 WHAT THEY ARE. 
 
 As a promissory note is a written promise to pay money, so a 
 bill of exchange is a written order for the payment of money. 
 And it has been said that it must contain an order ^ or direction^ 
 and not a mere request as of a favor, (y) But it is difficult to 
 draw a line between some of these cases. 
 
 There are some particulars in relation to damages, protest, 
 &c., to be considered hereafter, in which the law of bills of ex- 
 cliange is regulated by statute. Even here, however, the statute 
 is little more than a confirmation or equalizing of custom. In 
 all other respects the law of bills of exchange is strictly a branch 
 of the law merchant, lex mercatoria^ invented and practised by 
 merchants, and adopted and sanctioned by courts after it had 
 become the known usage of merchants, and because it had be- 
 come this usage. It is, therefore, peculiarly adapted to the wants 
 and use of a mercantile community, or rather of that mercan- 
 tile puljlic, wliich, existing all over the world, by their mutual 
 intercourse and the relations and connections growing out of it, 
 constitute iu some degree one community, embracing members 
 of various, of distant, and sometimes even of hostile nations. 
 
 The bill of exchange is the principal instrument for the trans- 
 fer of money from place to place. In this respect, it is greatly 
 superior to the promissory note. If, for example, a merchant in 
 New York owed, for goods purchased, one tiiousand pounds to 
 a merchant in Ijondon, he might send him that money in gold or 
 silver ; or hr might find some one in New York to whom some 
 
 (»/) Sec Little );. Sln-kfoid, Moody & M. 171 ; IJiifl'i'. Wel)h, 1 Esp. 129.
 
 CH. IV.] BILLS OF EXCHANGE — WHAT THEY ARE. 58 
 
 London merchant owed a thousand pounds, and might give him 
 the money, taking his note for it at sixty days ; this note he 
 might send to his London creditor, giving him the name of the 
 London debtor of the promisor of the note ; the London creditor 
 might take the note to the London debtor, who might wish to 
 save himself the trouble of sending the money to New York, and 
 might, therefore, cash the note, and, when his New York creditor 
 demanded payment, he might present to him this note by way 
 of se1>off. Li this circuitous and inconvenient way both debts 
 would be paid, and no money be sent across the ocean in either 
 direction, one debt being made to pay the other debt. But the 
 same result may be obtained more directly and conveniently by 
 means of a bill of exchange. Let the New York debtor, whom 
 we will call A, buy for a thousand pounds in dollars a written 
 order from the New York creditor B, addressed to the London 
 debtor C, requiring him to pay that amount to the order of A. 
 Upon this A indorses an order to C to pay it to his London 
 creditor D, and transmits it to D, who presents it for payment to 
 C, and, receiving his money, both debts are paid. 
 
 Such an order would be a bill of exchange. It would, gener 
 ally, be in this form. " New York, January 5, 1857. Value re 
 ceived, please pay to A, or order, one thousand pounds, in sixty 
 days after sight, on account of your obedient servant, B. To C, 
 London." Here B is the drawer ; C is the drawee ; A is the 
 payee. As soon as D received the bill, with the order which A 
 indorses upon it making it payable to him, he would, with all 
 convenient promptitude, present it to C ; firstly, that the sixty 
 days after sight might begin to run ; secondly, that he might 
 know certainly whether C would pay the money as ordered. 
 This presentment, therefore, is called a presentment for accept- 
 ance ; because C must do one thing or the other, that is, he must 
 accept the bill, and this he usually does by writing across the 
 face of it the word " Accepted," with a date, and signing his 
 name below the word ; or he must refuse to accept the bill. As 
 \sOon as he has accepted the bill, he is called the acceptor, and 
 Decomes bound absolutely to pay it according to its tenor, or the 
 tenor of the acceptance, to the payee or his order. The payee 
 may then indorse the bill, in like manner as the payee of a 
 note may indorse the note, and acquire the same rights and 
 incur the same obligations. The drawee may, as we have seen, 
 
 5*
 
 64 NOTES AND BILLS. [CH. IV. 
 
 becojiie an acceptor ; but there is to a promissory note no such 
 party as eitlier drawee or acceptor. The rights, duties, and 
 obhgations of all of these parties will hereafter be fully consid- 
 ered. At present, we would lay the foundation for more partic- 
 ular investigation by the following general statements. 
 
 SECTION II. 
 
 OF THE OBLIGATIONS OF THE PARTIES. 
 
 The maker or signer of a promissory note, by signing and de- 
 livering it, comes at once uAder an absolute obligation to pay it 
 according to its tenor to any holder to whom it may be due at 
 maturity ; and such holder must look to the maker in the first 
 place, and demand it of him in the manner prescribed by law, 
 before he can look to any other party. Not so with the drawer 
 or signer of a bill of exchange. He too comes under an obliga- 
 tion to pay it ; but it is only an obligation to pay it if the drawee, 
 or person whom he orders to pay the money, fails to pay it. For 
 the payee, by receiving this order, undertakes to look to the 
 drawee, and use the methods which the law prescribes to get pay- 
 ment from him. The making and delivery of the bill put the 
 drawee under no obligation whatever beyond those which exist 
 from the relations between him and the drawer. When it is pre- 
 sented to him, he can accept it or not ; but if he does accept it, 
 then he comes at once under an absolute obligation to pay the 
 bill according to its tenor. It is obvious, therefore, that, until a 
 bill be accepted, there is no party to it who holds the same posi- 
 tion, and is under the same obligation, as the maker of a note; 
 and that, when a bill is accepted, then the drawee, who has now 
 become an acceptor, holds the place of the maker of a note, and 
 is under the same obligations. But the drawer or signer of the 
 bill, by the act of drawing and delivery, becomes bound to pay 
 it if the acceptor does not. While the acceptor is as the maker, 
 the drawer is therefore as tlu; first indorscr of a note. Tiie 
 drawer's name is on the face ; and the bill cannot be called in- 
 dorsed, strictly speaking, until tlio ))ayee indorses it; and then 
 the payee is apparently the first, and as yet the only, indor.ser; 
 still he is, in ])oint of legal obligation, the second indorscr. for tlio
 
 CU. IV.] INLAND BILLS AND FOREIGN BILLS. 55 
 
 duties of the respective parties stand thus. The acceptor is 
 bound absolutely to pay the bill ; the drawer is bound to pay it 
 if the acceptor does not ; and the payee, having indorsed the bill, 
 is bound to pay it if the drawer does not. The obligation of the 
 drawer is peculiar in another respect also. He is not only bound 
 to pay the bill if the acceptor does not, but he is bound to pay it 
 if the drawee refuses to accept it. By such refusal there is no 
 acceptor, and no person primarily bound to pay it. But that 
 refusal was one of the conditions on which the drawer engages 
 to pay it, because by drawing he engages that the drawee shall 
 accept the bill on presentment. Therefore, if acceptance be re- 
 fused, the obligation of the drawer may be made absolute at once 
 by due notice, and if the payee had indorsed the bill before ac- 
 ceptance, as is frequently done, then his obligation is unaffected 
 by non-acceptance, and he is still bound to pay, but only if the 
 drawer does not. And, as the result of all this, the common 
 phraseology of the books is, that the acceptor of a bill is as the 
 maker of a note, the drawer as the first indorser, and the payee, 
 after putting his name on the back, as second indorser. And 
 viewing them as such parties, the whole law of demand, notice, 
 and liability, which we shall discuss in future chapters, will be 
 found to belono; to them. 
 
 SECTION III. 
 
 OF INLAND BILLS AND FOREIGN BILLS. 
 
 There is a distinction in respect to bills of exchange which 
 has no analogy in promissory notes ; it is that which divides them 
 into inland (or domestic) and foreign bills ; the effect and im- 
 portance of this will be seen when we come to speak of protest 
 and damages ; at present we would only define them. In Eng- 
 land, from which the distinction came to us, a bill is inland when 
 made and payable within that kingdom ; but if either made or 
 payable abroad, meaning out of the kingdom, it is a foreign bill. 
 Therefore, a bill drawn in Ireland and payable in England, is 
 held in England to be a foreign bill, and would undoubtedly be 
 so held in Ireland. (z) If drawn in England on a person abroad, 
 
 (z) Mahony v. Ashlin, 2 B. & Ad. 478.
 
 56 NOTES AND BILLS. [CH. IV 
 
 but payable in England, and accepted payable in England, it has 
 been there held as falling within the definition of an inland bill, 
 as both drawn and payable in England. (a) But the contrary was 
 decided in this country at an early day. (6) That a bill drawn or 
 payable in a foreign country would be held in this country to be 
 a foreign bill, never was questioned ; but it was at one time much 
 doubted whether a bill would be held foreign in one of our 
 States, which was drawn or payable in another of these States. 
 But this question is now well settled by authority. The true 
 criterion, which is exclusively to determine whether the bill be 
 foreign or inland, would be found in the further question, whether 
 the State in which the original question arises has, by its courts, 
 full and complete sovereignty and jurisdiction over it. And as 
 our States are so far foreign that the municipal law of each one 
 is independent of that of every other, and the processes of courts 
 do not go from one State to another, a bill so drawn must be held 
 to be foreign. When the question came before the Supreme 
 Coiu't of the United States, under the statute which denies to the 
 District or Circuit Courts cognizance of certain suits, " except in 
 cases of foreign bills of exchange," (c) it was held, that a bill of 
 
 (u) Amner i'. Clark, 2 Cromp. M. & R. 468. In this case the bill was drawn in Lon- 
 don payable to the order of the drawer in London, upon a merchant residing at Brus- 
 sels, and accepted by him, payable in London. Held, that it was an inland bill, and 
 must be stamped as such. It should be observed, however, that the question in this 
 case arose under the English Stamp Act ; and it is not certain that the decision would 
 have been the same if the question had depended entirely upon the law merchant. The 
 counsel for the plaintiff, after stating that the stamp act defined a foreign bill of exchange 
 as a bill " drawn in, but jjayable out of. Great Britain," said : " It may be tiiat there is 
 another species of foreign bill, namely, when it is drawn in England upon a person re- 
 siding abroad, and accepted by him payable in England." But Bolluiul, B., in deliver- 
 ing his opinion, said : "An inland bill is a bill drawn in, and payable in, Great Britain, 
 which this bill is." 
 
 (6) Grimshaw v. Bender, 6 Mass. 1.57. This was an action by the drawer against the 
 ac(x-ptor of a bill of exchange. The bill was drawn in England by the plaintiff, an 
 English merchant, upon the defendants, a commercial house, residhig and doing busi- 
 n(;8s in Boston. One of the defendants, being in England at the time the bill was drawn, 
 accepted it on behalf of the firm, " payable in London." Held, that it was a foreign 
 bill, in reference to the measure of damages. Parsons, C.J. said : "It is manifest that 
 the remedy contemijlated i)y the jjarties, in the event of the bill being dishonored, must 
 be sought in this State, where the accejjtors lived. From this view of the case, the in- 
 strument must be considered as a foreign bill, having the same effect as if tiie payee 
 had sent it to Boston, and it had lieeii accepted, payable, in liOndon by the house hero ; 
 in which ra.sc the money must be remitted to London to meet the bill refuru'd to tho 
 drawer after acceptance." 
 
 |c) 1789, c. 20, s. U, i U. S. Stats, at Largo, 79.
 
 CK V.J INLAND BILLS AND FOREI&i BILLS. 51 
 
 exchange was a foreign bill, if it was dravrn in one State and 
 payable in another, although the drawer and payee were inhab- 
 itants of the same State. (ci) Tlie State courts have followed this 
 authority. (e) A case in New York contains a dictum not in con- 
 formity with this rule.(/) 
 
 A l)ill may be in fact inland having regard to the place 
 where it was drawn, but on the face of it appear to be foreign. 
 Thus, for some reason, a Boston merchant, temporarily in New 
 York, may draw his bill on a New York merchant, payable 
 in New York, but may date it at Boston. Such a bill would 
 undoubtedly be held to be foreign, in relation to innocent third 
 parties who became interested in it in the belief that it was 
 what it purported to be.(^'') As between the original parties and 
 others having notice of the circumstances under wliicli the bill 
 was drawn, the question would be more doubtful ; but we 
 think it would, even then, be held to be a foreign bill, espe- 
 cially if it appeared that it was drawn in that form for no 
 wrongful purpose, but only that the bill might conform to the 
 
 ((/) Buckner v. FLiiley, 2 Pet. 586. Washington, J., in delivering i,he opinion of the 
 court, said : "We are all clearly of opinion that bills drawn in ons of these States, 
 upon persons living in any other of them, partake of the character ol foreign hills, and 
 ought so to be treated. For all national purposes enibraced by the Federal Constitution, 
 the States and the citizens thereof are one, united under the same scvi.reign authority, 
 and governed by the same laws. In all other respects the Stales £ire necessarily foreign 
 to, and independent of, each other. Their constitutions and forms of government being, 
 although republican, altogether different, as are their laws and institutions. This senti- 
 ment was expressed with great force by the President of the Court cf Appeals of Vir- 
 ginia, in the case of Wai-der v. Arell, 2 Wash. Va. 298, \vhe;:e hi? slates that, in cases 
 of contracts, the laws of a foreign country, where the cojitracl, was made, must govern ; 
 and then adds as follows : ' The same principle applies, thoagh witli no greater force, 
 to the different States of America ; for though they form a confederated government, 
 yet the several States retain their individual sovereignties, and, with respect to their 
 municipal regulations, are to each other foreign.'" And see Lorsdale v. Brown, 4 
 Wash C. C. 86, 15.3. 
 
 (e) Duncan v. Course, 3 Const. R. 100 ; Chenowith i . Ctamberlin, 6 B. Men. 
 GO; Cape Fear Bank v. Stinemetz, 1 Hill, S. Car. 44 ; PIioeni:c Bank v. Hussey, 12 
 Pick. 48.3 ; Wells v. Whitehead, 15 Wend. 527 ; Green v. Jackson, 15 Maine, 136 ; Rice 
 V. Hogan, 8 Dana, 133 ; Halliday v. McDougall, 20 Wend. 81, 22 Wend. 264 ; Brown 
 V, Ferguson, 4 Leigh, 37 ; Carter v. Burley, 9 N. H. 558 ; Freeman's Bank v. Perkins, 
 18 Maine, 292 ; Warren v. Coombs, 20 Maine, 139. See Offit v. V ick, Walker, 99, 104, n. 
 
 (y) Miller v. Hackle}'-, 5 Johns. 375. This case contains o.iiy a dictum of Van Ness, 
 ^., in conflict with the rule stated in the text. See Wells v. Whitehead, 15 Wend. 527. 
 
 (7) The contrary was decided in England in Steadman v. Duhamel, 1 C. B. 888, but 
 that decision was based upon the stamp act. See Lennig v. Rah tdn, 23 Penu. State, 
 '-37.
 
 58 NOTES AND BILLS. [CH. IV. 
 
 drawer's n^ual course of business, and be what it would have 
 been had he not happened to be at the time in New York. 
 The converse of this has been decided. (A) 
 
 If a bill be signed in one place in blank, and sent to another 
 to have the date, the names of the drawee and payee, and the 
 amount and the place where payable, inserted, or if all these 
 are written in, and the bill then sent to the drawer in another 
 place for his signature, the bill will be taken to be made where 
 it is signed, and will be held to be inland or foreign accord- 
 uigly.(i) Every bill of exchange is, prima facie, an inland bill ; 
 and a party who would hold it as a foreign bill must allege and 
 prove it to be so.(j) 
 
 • SECTION lY. 
 
 OF THE SETS OF FOREIGN BILLS. 
 
 Of inland bills, usually, but one copy is made ; but of foreign 
 bills, drawn out of this country upon tliis country, or drawn in 
 this country upon a foreign country, tliree copies are usually made, 
 which together form what is called a set of exchange. The reason 
 of this is, to guard against loss or question in case of miscarriage, 
 
 (/() In Strawbridf^e v. Kobinson, 5 Oilman, 470, it appeared that the bill ^''a3 
 dated at a place in Illinois, where the parties resided, but was actually drawn in Wis- 
 consin, where the parties happened to be at the time. Htld, that it was an inland 
 bill. 
 
 (i) Thus, where partners resident in Ireland signed and indorsed a copperplate im- 
 pression of a bill of exchange, leaving blanks for the date, sum, time when payable, 
 and name of the drawee, and transmitted it to B in England for his use, who filled up 
 the blanks and negotiated it ; it was held, that this was to be considered as a bill of ex 
 change l)y relation, from the time of the signing and indorsing in Ireland, and conse- 
 quently that an English stamp was not necessary. And Baijlei/, J. said : " Suppose 
 the person subscribing his name as drawer had died whilst the bill was on its passage, 
 and afterwards the bhinks had been filled up and the bill negotiated to an innocent 
 indorsee ; I should think that in that case the rcjiresentatives of the ])arty signing the 
 liiil would have been liable. This shows that when tiie whole is filled up, it has icfer- 
 cn(;e to tlie lime of the signature, which in this case was made in Ireland." Snaith v. 
 Mingay, 1 Maule & S. 87. And see, to the same effect, Lunnig v. lialston, 23 Penn. 
 State, 1.37. So wh(!re a l)ill of cxciiange was written, and the acceptance of it made, 
 in ICngland, and it was afii'rwanis tninsinittcd to the drawer abroad for his signature, 
 and was there signed, it was Inlil, that the bill was a foreign one. Boehin v. C*impbc'l, 
 Gow, ')5. And see Crutchly v. Mann, .'i Taunt. 52'J. 
 
 ij) Armani v. Castrique, l.'J M. «& W. 443.
 
 en, IV.] THE SETS OF FOREIGN BILLS. 59 
 
 the chances of the bill reaching in due season the party to whom it 
 is transmitted being thus increased threefold. And the facility for 
 presentment thus afforded has been held to hasten the time 
 within which a bill should be presented for acceptance. (/t) Usu- 
 ally, perhaps always, each copy of the set is designated on tht 
 face of it, the order being, " Pay this first of exchange, the 
 second and third being unpaid," or, " Pay this second of ex- 
 change, the first and third being unpaid." But for this precau- 
 tion the drawer might be held by an innocent purchaser of one 
 copy, without notice that another existed. (/) Hence the custom, 
 said to prevail, or to have prevailed, in Europe, of having no 
 such caution on the first of exchange, and on the second saying 
 only " the first^eing unpaid," (m) seems unsafe, for the first then 
 gives no notice of the second and third, and the second gives 
 no notice of the third. But an omission to. name other parts, 
 obviously by mistake, might not affect the rights of any party. (w) 
 The whole of the set constitutes, in law, but one bill, and 
 therefore payment or cancelling of either copy of the set is a 
 discharge of all.(o) A holder of either copy of the set is entitled 
 
 (k) Strakerw. Graham, 4 M &W. 721. 
 
 (I) In Wright v. McFall, 8 La. Ann. 120, where the first and second of a bill of ex- 
 diange were both accepted, with tlie knowledge and consent of the drawers, and with- 
 out fraud or collusion between the holders and acceptors, it was held, that the drawers 
 were liable on both. 
 
 (ill) Marius (4th ed.), p. 7. 
 
 (n) Bayley on Bills (2d Am. ed.), p. 24. 
 
 (o) Durkin v. Cranston, 7 Johns. 442 ; Ingraham v. Gibbs, 2 Dallas, 134 ; Miller v. 
 Hackley, Anthon, N. P. 68 ; Perreira v. Jopp, 10 B. & C. 450, n. (a). The case of 
 Holdsworth V. Hunter, 10 B. & C. 449, was decided upon special circumstances. The 
 drawee (who was also payee) of a foreign bill of exchange drawn in tliree parts, ac- 
 cepted and indorsed one part to a creditor to remain in his hands until some other 
 security was given for it ; and afterwards accepted and indorsed another part for value 
 to a third person. The acceptor substituted another security for the part first accepted, 
 whereupon it was given up to him. Held, that under these circumstances the holder 
 of the part secondly accepted was entitled to recover on the bill against the acceptor. 
 Held, also, by Lord Tenterden, C. J. and Parke, J., that the acceptor would have been 
 liable on the part secondly accepted, even if the first part had been indorsed and circu- 
 lated unconditionally. Lord Tenterden said : " According to the verdict of the jury, 
 the delivery of the hills to the defendant's father was not absolute, but conditional, and 
 I fhink that the facts of the case justified that finding. The parts first accepted cannot, 
 therefore, be said to have been paid, for they were redeemed by the substitution of 
 other securities. That being so, what was there to prevent the defendant from putting 
 in circulation another part of the bills ? But I am inclined to go further, and to say 
 that the plaintiff would have been entitled to recover, even if the transfer to the father
 
 60 NOTES AND BILLS. [CH. IV. 
 
 to recover thereon, without producing the other copies, or ac- 
 counting for their non-production. If another copy of the set 
 has ah"eady been paid, and another person is the proper holder, 
 and has given notice of his title to the party sued, or if any 
 other ground of defence exists, which displaces the prhna facie 
 title of the plaintiff, the defendant must show '\t.{p) 
 
 On the continent of Europe, it seems to be not unusual for 
 an original bill to be forwarded for acceptance, and in the mean 
 time a copy of it negotiated ; and it is said to be necessary that 
 this copy should be marked as such, stating also where the 
 original is ; but we have no practice of this kind in this country, 
 and it is said not to exist in England. (^) A protest may some- 
 times be made on the copy of a bill.(r) 
 
 SECTION Y. 
 
 OF THE CERTAINTY REQUISITE IN A BILL OF EXCHANGE. 
 
 As a bill of exchange is intended to operate and be used as 
 an instrument of business and as a representative of money, 
 even more than a promissory note, and in order to do this it 
 must be precise and definite in the facts whicli it states and 
 the obligations which it imposes ; therefore, all that was said, 
 in the previous chapter, of the various certainties essential to a 
 legal i)i'omissory negotiable note applies to a negotiable bill of 
 exchange, always with as great, and in some respects with even 
 greater, force. Although on these points, as on all others, the 
 law mercliant seeks to bo reasonable rather than technical, yet 
 here it is but reasonable to be very exact. It will be seen, 
 therefore, as we go on presenting the law of negotiable paper, 
 
 had been absolute and unconditional. For suppose two jjarts of a foreign I)ill come to 
 the hands of tlic drawee, lie accepts both, and indorses first one part to A ami after- 
 wards the other part to B. In any question as to property between them, A mii^lit bo 
 entitled to i)otli. But the question here is, whether the acceptor and indorscr shall be 
 allowed to defend himself a;;ainst the holder of the one part, on account of the previous 
 circuhiiion f)f the other part. I am not aware of any principle of law upon which su'.h 
 a d<fi;nce can be supported." 
 
 (//) Downes v. Cimrcli, |.T I'et. 20r> ; Commercial Bank?;. Routh, 7 La. Ann. 128. 
 
 (v) Byles on Bills, .'111. 
 
 (r) Dchcrs v. Harriot, 1 Show. 1G3.
 
 CH. IV.] CERTAINTY REQUISITE IN A BILL OF EXCHANGE. ol 
 
 tliat it requires, upon all matters which belong to tlie repre- 
 sentative character of this paper, or, in other words, as to 
 everything which makes it an accurately defined contract which 
 must be executed promptly and accurately according to its pre- 
 cise tenor, a very great exactness. And it is perhaps true 
 that the courts in many recent cases seem to be taught, by the 
 increasing experience of the mercantile community, rather to 
 increase and strengthen this exactness than to relax it in any 
 way. Whatever favor the equities of a particular case may 
 require, we believe that the general purpose of the law of 
 negotiable paper, and the general good of a community among 
 whom the use of this paper is now universal, requires at least 
 all of the exactness and all of the stringency that the courts 
 of England or of this country have ever applied to this subject. 
 In addition to the requisites of certainty in a promissory note, 
 a bill of exchange must be reasonably certain as to the person 
 to whom it is directed. An instrument which is not directed to 
 any one is not a bill of exchange. (.9) But where an instrument 
 in writing possessed all the other requisites of a bill of exchange, 
 and was made payable at a particular house, it was held suffi- 
 
 (s) The case of Regina v. Hawkes, 2 Moo. C. C. 60, seems to have held a different 
 doctrine. But we think that case would not now be regarded as law. In Peto v. Rey- 
 nolds, 9 Exch 410, Parke, B. said: "I cannot help observing, that, with the excep- 
 tion of Regina v Hawkes, there is no case in which it has ever been decided that an 
 instrument could be a bill of exchange where there was not a drawer and a drawee. 
 With respect to that case, it does not seem to me entitled to the same weight of au- 
 thority as a decision pronounced in the presence of the public, and on reasons assigned 
 after hearing an argument in public. I must own that, but for that case, I should 
 have had no doubt that the law merchant required that every bill of exchange should 
 have a drawer and drawee." Alderson, B. said : " With respect to the question 
 whether this instrument is or is not a bill of exchange, the case of Regina v. Hawkes 
 is undoubtedly in point. I must own, however, that I now think that I was wrong on 
 that occasion. The case seems to have been decided on the ground that Gray v. Mil- 
 ner, 8 Taunt. 739, governed it; and the foct was not adverted to, that Gray v. Milner 
 may be thus explained : that a bill of exchange, made payable at a particular place or 
 house, is meant to be addressed to the person who resides at that place or house. 
 Therefore, in that case, the bill was on the face of it directed to some one ; and the 
 court held, that, inasmuch as the defendant promised to pay it, that was conclusive 
 evidence that he was the party to whom it was addressed. But in the case of Regina 
 V. Hawkes, the instrument was addressed to no one." Martin, B. said : " It seems to 
 me that it is absolutely essential to the validity of a bill of exchange, that it should 
 have a drawer and a drawee ; and, except for the case of Gray v Milner, I should have 
 doubted whether the making a bill payable at a particular place was a sulHcient ad- 
 >'ross." See also Reynolds v. Peto, II Exch. 418. 
 
 V(>T,. I. 6
 
 62 NOTES AND BILLS. [CH. IV. 
 
 cient, upon the ground that it must be considered as directed 
 to the person residing at that house ; and the defendant having 
 accepted it, this was regarded as an acknowledgment that he 
 was the person to whom it was directed. (^) The soundness of 
 tliis decision has been questioned. (?/) An instrument in the 
 common form of a bill of exchange, except that the word at 
 was substituted for to before the name of the drawee, has been 
 held to be a bill of exchange. (y) If there was evidence that an 
 instrument was so drawn for the purpose of deception, there 
 would be no doubt that it would be a bill of exchange. (z^) 
 And it is not absolutely necessary that the drawee should be 
 a different person from the drawer. For it is very common 
 for a man to draw upon himself; and it lias long been held, 
 that such an instrument is a good bill of exchange. (.r) But 
 it may be treated as a promissory note, at the election of the 
 holder. (//) The same principle applies where a copartnership 
 carries on business at two different places, and one establish- 
 ment draws a bill upon the other. (s) So where a duly aii- 
 
 (0 Gray v. Milner, 8 Taunt "39. 
 
 («) See Pcto V. Reynolds, siipni, and Davis v. Clarke, 6 Q. B. 16. 
 
 {v) Shuttleworth v. Stephens, 1 Camp. 407 ; Regina v. Smith, 2 JNIoo. C. C. 295. 
 
 (w) Rex V. Hunter, Russ. & R. C. C. 511 ; Allan v. Mawson, 4 Camp. 115. In thi.s 
 last ca.se GMs, C. J. said : " I shall leave it to the jury whether the word ' at,' from 
 the manner in which it is written, was not inserted for the purpose of deception, and 
 then the instrument is a hill of exchange in point of fact. The ' at' being struck out, 
 
 it is in the common form in which hills of exchange arc drawn I can see no 
 
 motive for drawing an instrument in this form, except to deceive the public. If such 
 instruments have been common in the country, they ought not to be continued or 
 endured." 
 
 (r) Sec Starke v. Cheesman, Carth. 509; Dehcrs v. Harriot, 1 Show. 163 ; Robin- 
 son V. IJland, 2 Burr. 1077. In Harvey ?;. Kay, 9 B. & C. 364, Bajilni, J. said : " In 
 Magor V. Hammond, which was a special verdict in Common Pleas argued before tlic 
 twelve Judges, <ill the judges were of opinion that an instrument might be a bill of ex- 
 change, thoutrh the drawer and drawee were the same person." ^In Davis v. Clarke, 6 
 Q. B. 19, /'(it/fison, J. said : ■' I do not know that a party may not address a l)ill lo 
 himself, and accept, though the proceeding would be absurd enough." Sec also Wildes 
 V. Savage, 1 Story, 22 ; Cunningham v. Wardwell, 3 Fairf 466. 
 
 (//) Roach V. Ostler, 1 Man. &. H. 120 ; Raniloljih v. Parish, 9 Port. Ala. 76. 
 . (z) Thus, in Miller v. Thomson, 3 Man. & G. 576, it was liM, that an instrument in 
 the form of a bill of exchange, drawn upon a joint-stock bank by the manager of ono 
 of its branch banks, by order of the directors, might be declared on as a promissory 
 note. Tiiif/dl, C. J. said : " It is an instrument drawn by one of several partners, di- 
 recting that a sum of money shall be paid by the partnership at a ditfercnt place. 
 There is an absence of the <'ircunistMii((' of ilicrc bciuLr two distinct parties as drarver 
 nnd drawee, whi-h is essential to tli<' consiiinMon of a bill of exchange. That being so
 
 CH. IV.] CERTAINTY REQUISITE IN A BILL OF EXCHANGE. 63 
 
 thorized agent or officer of an incorporated company draws, 
 in belialf of the company, upon the treasurer, cashier, or other 
 officer of the company who has tlie custody of, and is charged 
 with the duty of disbursing, the company's funds, this is in 
 substance, it should seem, a draft by the company upon itself ; 
 and may be treated either as a bill of exchange or a prom- 
 issory note. (a) And it may be laid down as a general rule, 
 that whenever it is doubtful, upon the face of an instrument, 
 whether it was intended as a bill of exchange or a promissory 
 note, and it possesses the requisites of each, it may be treated 
 as either, at the option of the holder. Thus, if an instrument 
 begin, "I promise to pay," &c., like a promissory note, and be 
 directed like a bill of exchange, it may be treated as eitlier.(6) 
 
 the only alternative is, that this instrument is a promissory note, and is properly de- 
 clared upon as such." Erskine, J.: " The instrument is a draft hy the company upon 
 that branch of it wiiich is carried on in London. It is, in effect, nothing but a promis- 
 sory note." Maule, J. : " This is a bill drawn by the whole company, acting by their 
 directors, upon the whole company. It is a promise made by one partner, acting on 
 behalf of the company, under the order of the directors, that the company shall pay. 
 It is a promise made by the company at Dorking to pay in London. It is, therefore, 
 in effect, a promissory note." 
 
 (a) In Allen v. Sea, Fire, & Life Ass. Co., 9 C. B. 574, the instrument was in this 
 form : " Sea, Fire, Life Assurance Company. To the cashier. Thirty days after date 
 credit Mrs. A. or order with the sum of £311, 9s. 6(/., claims per ' Susan King,' in 
 cash, on account of this corporation " ; — and was signed by two of the directors of the 
 comjiany. Held, to be a promissory note. Wilde, C. J. said : " What is necessary to 
 constitute a promissory note "? These parties issue this instrument, importing that the 
 comjiany promise to pay. The note is addressed by the drawers to their own clerk. 
 My brother Shee treats the cashier as a drawer [drawee ? ]. But at the trial it was in- 
 sisted, for the plaintiff, that the instrument was precisely what we think it is. The 
 company indicate that they mean to pay, by a direction to their officer to pay, and 
 they point out to whom payment is to be made. It appears to me that the instrument 
 contains all that is essential to constitute a promissory note " And see Ellison v. Col- 
 lingridge, 9 C. B. 570 ; Hasey v. White Pigeon B. S. Co., I Doug. Mich. 193. But in 
 the Marion & M. R. R. Co. v. Dillon, 7 Ind 404, Perkins, J., delivering the opinion of 
 the court, said : '" If a man draw a bill or order directly upon himself, payable imme- 
 diately, it is his promissory note, and may be sued on accordingly. In such case he is 
 the payer as well as drawer, and by the very act of drawing admits he is to pay, and 
 that he has not then the money with which to make payment. But where the debt is 
 due from a company, and it is the duty of one officer or set of officers to allow de- 
 mands and draw upon another officer who has tlie custody, and is charged with the 
 duty of the disbursement, of the company's funds, for payment, such order must, as a 
 general rule, be presented in a reasonable time for payment." See further, Varner v. 
 Nobleborough, 2 Greenl. 121 ; Wetumpka & C. R. R. Co. i'. Bingham. 5 Ala. 657; 
 Mohley V. Clark, 28 Barb. .390. 
 
 [h] Edis V. Bury, 6 B. & C. 435. Lord Tenferden said : " This is an instrument at
 
 64 NOTES AND BILLS. [CH. IV. 
 
 The words " JIm besoin,''^ or " In case of need apply to A. B.," 
 are sometimes written after the name of the drawee. This is 
 
 least of a very ambiguous character. In form it is a promissory note, for it contains in 
 terms a promise to pay the sum mentioned in it ; but then in the corner of it there is 
 the name of Grutherot, and it appears that his name is also written across the instru- 
 ment. In that respect, although it does not in terms contain a request to Grutherot to 
 pay, yet it resembles a hill of exchange. It is an instrument, therefore, of an amliigu- 
 ous nature, and I think that where a party issues an instrument of an ambiguous 
 nature, the law ought to allow the holder at his option to treat it either as a promissory 
 note or a bill of exchange. That being so, I think it was competent to the plaintiff in 
 this case to consider this as a promissory note ; and if so, the notice of the dishonor 
 was unnecessary." Bayley, J. : "I think that this was a promissory note, containing 
 an intimation on the part of Bury that he would pay at Grutherot's house ; and 1 
 think also, that where a party frames his instrument in such a way that it is ambigu- 
 ous, whether it be a bill of exchange or a promissory note, the party holding it is enti 
 tied to treat it either as one or the other, and that the plaintiff ought not to be defeated 
 by the party who framed the instrument being allowed to say that it is a bill of ex- 
 change." Holroyd, J : "It seems to me that it was the design of the drawer of this 
 instrument to hold out to the party taking it that he might treat it either as a bill of 
 exchange or a promissory note. Besides, the words of an instrument are to be taken 
 most strongly against the party using them ; and, therefore, if there be any ambiguity 
 in the words of this instrument, they ought to be construed favorably for the plaintiff, 
 and against the defendant who made the instrument. Besides, until Grutherot put his 
 name to this instrument, it was clearly in terms a promissory note ; and having been 
 once such, the fact of his having afterwards put his name to it as acceptor cannot alter 
 the nature of it." Littledale, J. : " It seems to me that this was a promissory note. It 
 begins with the words 'I promise ' ; it contains a promise to pay, and that is the form 
 of a promissory note. But it is alleged that there is something at the foot of the instru- 
 ment which converts it into a bill of exchange ; a hill of exchange, however, is ad- 
 dressed to another person, and contains a request to the drawee to pay the same. In 
 order to make this a hill of exchange, the words ' I promise ' must be rejected ; and 
 those words constitute the essential difference between a bill of exchange and a promis- 
 sory note. I think that they ought not to be rejected. Suppose they were rejected, 
 could this instrument then have been declared upon as a bill of exchange before Gru- 
 therot accepted it ? If it could not, then it was not a bill of exchange at that time ; 
 and if it was once a promissory note, Grutherot, by putting his name to it, could not 
 make it a bill of exchange." 
 
 In Lloyd v. Oliver, 18 Q. B. 471, an instrument was drawn in the following form : 
 " Two montiis after date I promise to pay to T. R. L." (plaintiff ) " or order, £ 99,1 5s.' 
 " H. Oliver." UMdenieath was written, on the left hand of the instrument, "J E 
 Oliver" (defendant). Across it was written, "Accepted, ])ay:iblc S. & Co., bankers. 
 London, E. Oliver." "E. Oliver "was signed by dofondalit. ILkl, that the instru- 
 ment might he sued upon as a hill of exchange drawn by II. Oliver upon, and accepted 
 by, the defendant. Lord Cnwpht>1l m\\<\ : "lam of opinion that this instrument, even 
 before acceptance, might bo treated as a bill of exchange as ay;ainst IIcMiry Oliver, the 
 drawer. As against the defendant, it is clearly a Mil of exchange. It is directed to 
 John Edward Oliver; that must mean that John Edward Oliver is requested to pay 
 the sum mentioned at two months after date, altliough tficre are no express words of 
 request. The words ' I promise to jimv ' need not l)e rejected ; they are to be considered 
 as an expression of what otherwise would be implied, namely, that the maker will I'ny
 
 CH. IV.] CERTAINTY REQUISITE IN A BILL OF EXCHANGE. 65 
 
 for the purpose of pointing out some person to whom the payee 
 may apply in case the drawee refuses to accept the bill. (6a) 
 
 if the acceptor do not. The instrument is ambiguous, and might, no doubt, if the 
 plaintiff chose, be treated as a promissory note. This is the effect of the decision in 
 Edis V. Bury." Erie, J. : " As against the defendant, this instrument is clearly a bill 
 of exchange. We must construe the language of it according to known mercantile 
 usage. It has always been the custom, in drawing bills of exchange, to place the name 
 of the party to whom the bill is directed in that part of the instrument where, in the 
 present case, the name of John Edward Oliver, the defendant, is placed. According 
 to the same rule, the word 'Accepted,' followed by a signature, as in the present instru- 
 ment, implies acceptance of the bill by the party signing. I recollect that it was proved 
 at the trial that the instrument had never been out of the hands of the parties to it 
 until it was in its present form ; so that it never could have been simply a promissory 
 note, as has been suggested. It is not unjust to presume that it was drawn in this form 
 for the purpose of suing upon it, either as a promissory note or as a bill of exchange." 
 Crompton, J. : " The instrument contains, in ray opinion, a clear direction to John 
 Edward Oliver to pay, and a clear acceptance by him. It is, therefore, a bill of ex- 
 change. But it has been decided, and it is most important that the decision should not 
 be impeached, that equivocal instruments of talis kind, possessing the character both of 
 promissory notes and of bills of exchange, i ay be treated as either." 
 
 (6a) 2 Pardes., n. 341, 348, 404, 4' I. So "liconard v. Wilson, 2 Cromp. & M. 589 
 
 Vol. I. — E
 
 t'^ NOTES AXD BILLS. fCH. V. 
 
 CHAPTER V. 
 
 OF PERSONS WHO MAY BE PARTIES TO NOTES OR BILLS. 
 
 There can be no other rule as to those who may assume the 
 obligations which rest on the makers, drawers, acceptors, or 
 indorsers of negotiable paper, than that which is derived from 
 their nature as instruments of business ; namely, that they must 
 be under no incapacity to transact business. This incapacity 
 may be total or partial ; and exactly measured by it is their ina- 
 bility to bind themselves as parties to bills and notes. Perhaps 
 no one is incapable of benefiting by a bill or note of which he 
 is promisee or indorsee. An infant, or married woman, or bank- 
 rupt may certainly receive a note, although payment should, gen- 
 erally at least, be made, not to such payees in person, bub to 
 those who have authority to represent them, as guardian, hus- 
 band, or assignee. (c) So we should say a lunatic might receive 
 a note ; for althougli a note is not complete until it is delivered 
 and accepted, and a person wholly wanting in intellect cannot 
 accept anything, yet if the note were made in good faith and 
 were in other respects unobjectionable, and if it were for the ben- 
 efit of the lunatic and laid him under no obligations whatever, it 
 should be regarded as accepted by him, or by some one for him 
 as his guardiiin or trustee. Those who are incapacitated from 
 effectually making or indorsing promissory notes and bills, in 
 wbolc or in part, are infants, married women, persons under 
 guardianship, lunatics, alien enemies, and bankrupts. 
 
 (o) Ilolliday v. Atkinson, 5 B. & C. 501 ; Teed v. Elworthy, 14 East, 210; Holt v. 
 Warrl, 2 Stra. 037 ; Warwick v. Bruco, 2 Maule & S. 205, 6 Taunt. 118 ; Ni(.htingale 
 V. Withington, 15 Masfl. 272.
 
 CH V.J mFANTS. 67 
 
 SECTION I. 
 
 OF INFANTS. 
 
 All persons are infants, in law, who are under twemy-one 
 years of age, excepting that in some of the States, at least for 
 some purposes, a woman at eighteen is held to be adult. (c?) All 
 infants are said to be incapable of entering into contracts, except- 
 ing for necessaries. And by necessaries are meant, not only 
 those things which are absolutely essential to life or even com- 
 fort, but such other things as are wanted by them and are suited 
 to their means and their way of life.(e) 
 
 This incapacity or disability is intended for their benefit and 
 protection against their own indiscretion, or the knavery of 
 others. Hence the exception in respect to necessaries ; for these 
 a child must have. Hence too the old distinction between the 
 void and the voidable contracts of an infant ; those being held 
 to be voidable only which might be for his benefit, while those 
 were void which could do him no good. But this distinction we 
 suppose to be practically obsolete ; all the contracts of an infant, 
 not in themselves illegal, being capable of ratification by him 
 when an adult, and therefore being voidable only ; for if once 
 absolutely void, no ratification could give them any force. (/) 
 
 (d) Sparhawk t;. Buell, 9 Vt. 41 ; Davis v. Jacquirn, 5 Harris & J. 100 ; Ohio Stat- 
 utes, ch. 59 ; Maine Acts of 1852, ch. 291 ; Laws of Missouri, 1849, p. 67 ; Hartley's 
 Dig. of Texas Laws, art. 2420. 
 
 (e) See 1 Parsons on Cont., pp. 244 - 246. And see Breed v. Judd, 1 Gray, 455. 
 {/) See 1 Parsons on Cont , pp. 24-3,244. So far at least as regards bills and notes 
 
 to which infants are parties, the rule now prevails universally, that they are not abso- 
 lute'y void, but voidable merely at the election of the infont. See Hunt v. Masscy, 5 
 B. & Ad. 902 ; Gibbs v. Merrill, 3 Taunt. 307 ; Williams v Moor, 1 1 M. & W. 256 ; 
 Harris v. Wall, 1 Exch. 122 ; Reed v. Batchelder, 1 Met 559; Aldrich v. Grimes, 10 
 N. H. 194; Edgerly v. Shaw, 5 Fost. 514 ; Goodsell v. Myers, 3 Wend. 479 ; Taft v. 
 Sergeant, 18 Barb. 320 ; Cheshire v. Barrett, 4 McCord, 241 ; Little v. Duncan, 9 Rich. 
 55. But see McMinn v. Richmonds, 6 Yerg. 9. It has sometimes been objected, that, 
 unless the bill or note of an inf\mt be held absolutely void, it will bind him in the 
 hands of a honajide holder for value. But this proceeds upon a mistake. The inca- 
 pacity of a party to a bill or note is not one of the equities which cannot be set up 
 against a bona fide holder. In this respect a subsequent bona fide holder stands upon 
 the same footing as the payee, and he must inquire as to the capacity of the parties to 
 the paper, at his peril. So, too, although it is said that the bill or note of an infant i« 
 not void, but voidable, it is not meant by this that it is valid until avoided, but merely
 
 68 NOTES AND BILLS. [CH. V. 
 
 An infant may bind himself for necessaries ; but it may be 
 doubted on some authorities whether this exception would go so 
 far as to make good and enforceable his promissory note for the 
 price. (g-) The authorities are not in agreement on this subject ; 
 but on principle we should say that a distinction sliould be taken 
 between a negotiable bill or note and one not negotiable. For- 
 merly a simple bond given by an infant for necessaries, that is, a 
 bond for the payment of a sum of money, without penalty and 
 without interest, might be valid, but not one which provided 
 either for a penalty or for interest. (/i) Now, no bond would 
 probably be held obligatory. (i) If a note were given, even for 
 necessaries, it has been repeatedly held, that while the infant was 
 responsible on a quantum valebant for the value of the necessa- 
 ries, his note for the amount was not binding, because this deter- 
 mined that amount positively, and it was necessary for the in- 
 fant's effectual protection that this should be open to inquiry, (j) 
 
 that it is capable of ratification. Until ratified, however, it has no validity. The rule 
 is very accurately stated by Gilchrist, C. J , in Edj::erly v. Shaw, 5 Fost. 514. "The 
 executory contracts of an infant are said to be voidable, but this word is used in a sense 
 entirely different from that in which it is applied to the executed contracts of an infant. 
 In the latter case, the contract is binding until it is avoided by some act indicating that 
 the party refuses longer to be bound by it. In the former case, it is meant merely that 
 the contract is capable of being confirmed or avoided, though it is invalid until it has 
 been ratified." See also the excellent criticism upon the words " void " and " voidable," 
 by Bell, J., in State v. Richmond, 6 Fost. 232. 
 
 (ff) The only case in England directly upon this point is Williamson v. Watts, 1 
 Camp. .5.52, at Nisi Prius. That was assumpsit on a bill of exchange against the ac- 
 ceptor. The defendant pleaded infancy. The plaintiff replied that the bill was accepted 
 for necessaries, and issue thereon. Upon the case being opened. Sir James Alansjield 
 said : " This action certainly cannot be maintained. The defendant is allowed to be 
 an infant ; and did any one ever hear of an infant being liable as acce])tor of a bill of 
 exchange ? The replication is nonsense, and ought to have been demurred to." So 
 also it is settled in England, that an action will not lie against an infant upon account 
 stated, though the particulars of the account were for necessaries. Trueman v. Hurst, 
 1 T. II. 40 ; Bartlett v. Emery, 1 T. R. 42, n. (a) ; Williams v. Moor, 11 M. & W. 256. 
 And tlie rca-sons would seem to hold equally in the case of a promissory note or bill of 
 exchange. In New York, too, it has been decided that a negotiable note given by an 
 infant for necessaries is not biiuling. Svvasey v. Vanderheyden, 10 Johns. 33. And io 
 New Hampshire, McCrillis v. How, 3 N. II. 348; Conn v. Coburn, 7 N. 11.368. And 
 in Tcnncjssee, McMinn v. Richmonds, 6 Yerg. 9. And, it seems, in New Jer.scy, Fen- 
 ton V. White, 1 South. 100. And in Indiana, Henderson v. Fox, 5 Ind. 489. As to 
 Kentucky, see Becler v. Young, 1 Bibb, 519. 
 
 (/() The old cases upon this point arc collected by Sergeant Manning, in a note to 
 Harrison v. Fane, I Man. & Vj. 5.50. 
 
 (i) See Bcelcr v. Young, 1 Bibb, 519 ; McMitm v. Richmonds, 6 Yerg. 't. 
 
 (j) See cases supra, note 7. The reasoning upon which these cases proceed ii
 
 CH v.] INFANTS. 69 
 
 If, however, the action were on a simple promissory note, not ne- 
 gotiable, or even on a negotiable note which had not been nego- 
 tiated, an inqniry into the consideration might be made, which 
 would seem to open the whole question ; and the reason for de- 
 nying the validity of such a note, while admitting a liability for 
 the value of the necessaries, might seem teclniical ratlier than 
 substantial. Not so, however, if the note were negotiable and 
 negotiated ; for now h might pass for value into tlie hands of in- 
 nocent tliird parties, and either its ciiaracter would protect it 
 from all inquiry into consideration, which might injure the in- 
 fant, or for his protection this inquiry might be made, and then 
 the document would lose the chief peculiarity and characteristic 
 of negotiable paper. (t) 
 
 well stated in Mitchell v. )teynolds, 10 Mod. 85. It was there said, arguendo, "that 
 in infant could not, either \'y a parol contract or a deed, bind himself even for neces- 
 saries in a sum certain ; for should an infant promise to give an unreasonable jjrice for 
 necessaries, that would noi bind him ; and therefore it may be said that the contract 
 of an infant for necessaries, qualenus a contract, does not bind him any more than his 
 bond would, but only, since an infant must live as well as a man, the law gives a rea- 
 sonable price to those who furnish him with necessaries." 
 
 (k) It was expressly decided in Swasey v. Vanderheyden, 10 Johns. 33, that an ac- 
 tion would not lie on a negotiable promissory note given by an infant for necessaries, 
 after it had been negotiated. And the court said : " A negotiable note given by an 
 infant, even for necessaries, is void. This we consider to be the law, and it is the 
 opinion of respectable writers. (Ciiitty on Bills, 20, 1 Camp. 5.53, note.) The reason 
 given is, that, if the note be valid in the first instance as a negotiable note, the consid- 
 eration cannot be inquired into when it is in the hands of a boiiajide holder, and the 
 infant would thereby be precluded from questioning the consideration. For the same 
 reasons it has been held (1 T. R. 40), that an infant cannot state an account, as that 
 would preclude him from investigating the items. It has also been held ( 1 Camp. 
 552), that he cannot accept a bill of exchange for necessaries." It has been decided, 
 however, in several cases, that an action will lie on a note given by an infant for 
 necessaries, while it remains in the hands of the original payee, though it be negotia.ble 
 in form. Thus, in Earle v. Reed, 10 Met. 387, it was held, that a negotiable note given 
 by an infant was not void in the hands of the promisee ; and in a suit thereon by the 
 promisee, he may show that it was given, in whole or in part, for necessaries, and may 
 recover thereon as much as the necessaries for which it was given were reason.ably 
 worth, and no more. That was an action of assumpsit on a promissory note, signed 
 by the defendant in the presence of an attesting witness, and payable to the plaintiiFor 
 order. It appeared that the defendant was an infant when he gave the note, and that 
 it was given for necessaries. The action was not brought till after the lapse of more 
 than six years from the time when the cause of action accrued ; and the question was, 
 whether the note was sufficient to take the demand out of the operation of the statute 
 of limitations, under the provision (R. S c. 120, s. 4) that the statute of limitations 
 shall not apply "to any action brought upon a promissory note, which is signed in 
 the presence of an attesting witness, provided the action be brought by the original 
 payee, tv by his executor or administrator." And the court, after much consideration,
 
 70 NOTES AND BILLS. [CH. V. 
 
 All fnfant is liable for his torts in the same manner as an 
 adult ; but it seems that he is not bound by a bill or note given 
 in satisfaction for a tort.(Z) 
 
 It is iiow quite certain that an infant payee or indorsee can, by 
 his indorsement, transfer a property in the note to a third party 
 as against all parties prior to the infant. For though the note is 
 voidable as against the infant, it is binding upon the other par- 
 ties ; and the indorsement of the infant is good until he avoids 
 it.(»i) And it seems that such indorsement may be made by the 
 
 held, that it was. Shatv, C. J. said : " Tlic distinction between the contract which 
 subsists between promisor and promisee, on a note payable to order, but not indorsed, 
 and that which would subsist between the promisor and an indorsee after an indorse- 
 ment to a third person, is recognized and illustrated in the case of Thurston v. Blan- 
 chard, 22 Pick. 18. The difference is most important, as it applies to the present case. 
 In the former, suppose it a note given on the sale of goods, it is a mere simple express 
 contract to pay the price of the goods, and is itself rescinded by anything that rescinds 
 the sale. In the latter, it is an absolute contract to pay the sum stipulated, in which 
 in general there can be no inquiry respecting tlie consideration. Under these views we 
 consider this note, in the hands of the promisee, as the simple contract of the defend- 
 ant for the payment of money ; and there being no consideration expressed, the infancy 
 of the promisor being shown is prima facie a bar to the action. But as the considera- 
 tion is open to inquiry, we think it is competent for the plaintiff to show that it was 
 given for the price of necessaries, in which he will recover only so much of the note as 
 shall appear to have been given for necessaries at their fair value, without regard to 
 the ])rice stipulated to be paid by the minor. This being a note valid as between the 
 parties, we tliink it is saved from the operation of the statute of limitations, by the 
 proviso that it shall not apply to any action brought upon a promissory note which is 
 signed in the presence of an attesting witness, if brought by the original payee." In 
 Bradley v. Pratt, 23 Vt. 378, an action was brought against the defendant as the 
 maker of a promissory note, payable to the plaintiff or order. It appeared that, the 
 defendant being indebted to one L. B. for necessaries, and L. B. being indebted to the 
 plaintiff, the defendant, at the request of L. B., gave the note in question to the plain- 
 tiff. It was held, tiiat the plaintiff was entitled to recover. Redficld, J. said : " If it 
 were not for maintaining the unimpeachable character of negotiable paper in regard to 
 consideration, so tliat all might safely take it, I do not see why tlie rights of infants, in 
 regard to acceptances and notes negotiated, might not be saved by allowing them, as 
 an exception to the general rule, to show their infancy, and then for the plaintiff to 
 meet it by ])roving the contract to have been given for necessaries. But this has not 
 been done, and prohalily could not l)e done, without too great an infringement of the 
 rules of law in regartl to negotiable paper while current." It seems that the same rule 
 prevails in South CaKiIiiia. See Dubose v. Wheddon, 4 McCord, 221 ; Ilaine v. Tar- 
 rant, 2 Hill, S. (,'. 400. 15ut sec nwlm, Bouchell v. Clary, 3 Brcv. 194. 
 
 (/) Hanks v. Deal, 3 McCord, 257. 
 
 {in) 'I'avlor v. (,"rokcr, 4 Esp. 187; Grey u. Cooju'r, 3 Dong. 05 ; Jones v. Darc.h, 
 4 Price, 300. And see Drayton v. Dale, 2 B. & C. 293 ; Jcune v. Ward, 2 Stark. 326, 
 1 B. & Aid. G53. This qui'siion was well considered in Nightingale v. Withington, 15 
 Mass. 2/2, wJK're f'ltrhr, ('. J., delivering the opinion of the court, said : " That an 
 infant may indorwe a negotiable promissc^ry note, or a bill of exchange, niado \iayabl'J
 
 CH. V"] INFANTS. 71 
 
 agent or attorney of the infant, or at least, that such an indorse 
 ment is susceptible of ratification by the infant after he becomes 
 of age.(w) 
 
 Acceptance by an infant, or indorsement, is voidable as against 
 himoelf, in the same way that the making of a note or drawing 
 of a bill would be. But if a bill drawn upon an infant were 
 accepted by him after he had become adult, this acceptance 
 would be valid. (o) It has been held, that if an action be 
 brought against an infant for goods sold for trade, and a rat- 
 ification proved, made by him when adult, but after the action 
 was commenced, this is not enough ; the Court distinguish- 
 ing it from a ratification or new promise made after suit, 
 which was permitted to remove the bar of the statute of lim- 
 itations, and one of them saying expressly that the contract 
 for goods sold for trade was not voidable, but void, and there- 
 fore could not be ratified, although it might be the ground 
 
 to him, so as to transfer the property to an indorsee for a valuable consideration, seems 
 to be well settled in the law merchant, and is noways repugnant to the principles of the 
 common law. Such indorsement is not like one made by a, feme covert; for a note 
 payable to her becomes the property of her husband ; and further, her acts are abso- 
 lutely void, whereas those of an infant are voidable only. It would be absurd to allow 
 one, who has made a promise to paj' to one who is an infant or his order, to refuse to 
 pay the money to one to whom the infant had ordered it to be paid, in direct violation 
 of his promise ; and it would impair the value of such contracts in the hands of infants, 
 if they were unable to raise money upon them, as others may do. Whether an infant 
 may avoid an indorsement so made, and oblige the promisor to pay to him, is a ques- 
 tion not arising in this case ; for there has been no countermand or revocation of the 
 order to pay, which is implied in his indorsement. If an action should be brought 
 against the infant as indorser for the default of payment by the promisor, without doubt 
 he may avoid such action by a plea of infancy. But that is a personal privilege, which 
 none but himself can set up in avoidance of any contract made in his favor." Hardy 
 r. Waters, 38 Maine, 450, is to the same effect. And see Burke v. Allen, 9 Fost 106. 
 
 (ii) In Whitney v. Dutch, 14 Mass. 457, where one of two partners in trade was an 
 infant and the other of full age, and the adult, for a debt of the copartners, made a 
 promissory note in the name of the firm, and the infant, after coming of full age, rati- 
 fied it, it was held good against him. Upon the authority of this case it was held, in 
 Hardy v. Waters, 38 Maine, 450, that an infant promisee of a negotiable note might 
 indorse the same by an agent or attorney, and that an indorsement so made is valid 
 until avoided by the inf\int or his representatives. But Whitney v. Dutch would seem 
 to be an authority only for holding that such an indorsement may be made good by 
 ratification after the infant becomes of age ; not that it is good until avoided. And 
 wc arc not certain that it is an authority for so much as this, for the making of a note, 
 as in Whitney v. Dutch, is an executory contract ; but an indorsement, so far as 
 it operates as a transfer, is a contract executed. See Semple v. Monison, 7 T. B 
 Mon. 298. 
 
 (o) Stevens v. Jackson, 4 Camp. 164.
 
 72 NOTES AND BILLS. [CH. V. 
 
 of a valid new promise. (/?) But if the decision is to be re- 
 garded as going this length, it cannot, it seems, be law. For 
 then a bill or note executed by an infant could never be so 
 ratified as to support an action. But it is settled by repeated 
 decisions, not only that this may be done, but that the bi.U or 
 note when ratified m^y be negotiated, and possesses in aM re-. 
 spects the same qualifies as if executed by an adult. (g) 
 
 (p) Thornton v. lUinjTwo th, 2 B. & C. 824. Bayley, J. said : " In the case of an 
 infant, a contract made for g )ods, for the purposes of trade, is absolutely void, not void- 
 able only. The law con iide.'s it against good policy that he should be allowed to bind 
 himself by such contracts. If he makes a promise after he comes of age, that binds 
 him on the ground of his tailing upon himself a new liability, upon a moral considera- 
 tion existing before ; it do(.s not make I't a legal debt from the time of making the 
 bargain." Holroyd, J. : " Tn ;re was no If gal right capable of being enforced in a court 
 of law at the time when the vction was c ammenced. Where the statute of limitations 
 has run, a new promise revi res the debt ab initio, and that is equally the case whether 
 the promise is made before ( r after the ci.mmencement of the action. He^-e no ground 
 of action, capable of being enforced in a court of law, existed at the time when the 
 action was brought ; there was no foundation upon which the action could rest. The 
 new promise was the 'sole ground of action, and not the revival of an old one." Little- 
 dale, J. : " When the statu e of limitations is relied upon, an acknowledgment admits 
 the perpetual existence of the debt, and therefore it suffices whether it is made before 
 or after the bringing of the action. But the contract of an infant, under such circum- 
 stances as the present, being void, and not voidable, the promise in this case did not 
 prove that any legal cause of action existed at the time when the action was com- 
 menced." So f-M as regards the point decided, this case has generally been followed 
 in this country. Merriam v. Wilkins, 6 N. H. 432 (overruling Wright v. Steele, 2 N H. 
 51) ; Hale v. Gcrrish, 8 N. H. 374 ; Ford v. Phillips, 1 Pick. 202; Goodridge v. Ross, 
 6 Met. 487 ; Thing v. Libbey, 16 Maine, .55. See contra, Best v. Givens, 3 B. Mon. 72. 
 But the dicta of some of the judges have been qualified by the later decisions in Eng- 
 land. See Williams v. Moor, 11 M. & W. 256; Harris v. Wall, 1 Exch. 122. And 
 6ce next note. 
 
 {(]) Hunt V. Massey, 5 B. & Ad. 902. This was an action by the drawer against the 
 acceptor of a bill of exchange. It appeared that the defendant was an infant when he 
 accepted the bill, but there was evidence of a ratification after he became of age. It 
 was ol)jected {inter alia) for the defendant, that the plaintiff ought to have declared 
 specially, and not on the acceptance ; because the defendant " was liable, if at all, not 
 by reason of his acceptance of the bill, but of a promise made after he had come of 
 age." Taunton, J. : " Where a voidable contract is made by a party under age, and 
 ratilicd after he has attained his full age, is it not usual to declare on the original 
 promise 1 The first promise here was voidiible only. As soon as it was ratified, it be- 
 came binding ah initio." Ptitteson, J. : " If the defendant had pleaded infancy spe- 
 cially, the plaintiff might have replied, that after he had attained the age of twenty- 
 one years he assented to and ratified and confirmed the several promises in the dccl.i- 
 ration." Lord f)inman : " The t 'idence amounted to a ratification of the origini 1 
 promise to pay, according to the ten r and effect of the bill of exchange, and might b. 
 dcclnrcd on accordingly." In Heed >. Batchelder, 1 Met, 559, it was lifid, that a nego 
 liable note made by an iiifnnt is voidable, and not void ; tnd if he, after ':oni\n/^ of age,
 
 OH. v.] INFANTS. 73 
 
 What is a sufficient ratification or confirmation is sometimes 
 a difficult question. It is a general rule that a promisor cannot 
 avail liiniself of his mistake of the law, although he may of 
 his mistake of facts. On this ground it might be said, that 
 if an adult knew that a note was made by him when an infant, 
 but did not know that it was therefore voidable by him, and 
 thereupon ratified it, this should be a valid confirmation. There 
 are, however, authorities which hold that the confirmation must 
 be made by the adult with knowledge that he is not liable on 
 the note without such confirmation. (r) It seems, even if this 
 be law, that such knowledge will be presumed, in the absence 
 of any evidence to the contrary, (a^) 
 
 It seems also necessary that the recognition of the note should 
 be explicit, and a declaration made that the promisor considers 
 himself bound to pay the note.(^) If this be done substantially, 
 it is sufficient, whatever the form may be ; as if one says the 
 amount is due, and as soon as he reaches home he will en- 
 deavor to get the money and pay it.(M) So a declaration of 
 intent to pay, together with an authorizing of an agent to pay 
 
 promise the payee that it shall be paid, the payee may negotiate it, and the holder may 
 maintain an action in his own name against the maker. That was an action on a 
 promissory note, made by tlie defendant, payable to Reed & Dudley or bearer, and by 
 them transferred to the plaintiff. Shaw, C. J. said ; " The question is, whether, as 
 this was a negotiable note payable to Reed & Dudley or bearer, and ratified by a new 
 promise to them whilst) they remained the holders, they could make a good title by de- 
 livery to the plaintiff, Robert Reed, so as to enable him to bring the action in his own 
 name. The new promise to pay was made to Henry Reed, of the firm of Reed & 
 Dudley. The effect of this was to ratify and confirm the contract, and give it the same 
 legal effect as if the promisor had been of legal capacity to make the note when it was 
 made. This made it a good negotiable note from that time, according to its tenor, 
 transferable by delivery; of course, when transferred to Robert Reed, the plaintiff, he 
 took it as a negotiable note, and may maintain an action on it. This deprives the 
 promisor of none of his immunities as an infant, because the law considers him as hav- 
 ing full capacity when the ratification was made, and without such ratification no action 
 would lie." So in Edgerly v. Shaw, 5 Fost. 514, the defendant during infancy made a 
 promissory note payable to one Barker or order, and by him indorsed to the plaintiff. 
 Before Barker transferred the note, the defendant, having come of age, promised him 
 that he would pay it. Held, that the promise to pay Barker was a ratification of the 
 note, and that the indorsee might avail himself of it in an action. And see Goodsellp. 
 Myers, 3 ^Yend 479 ; Lawson r. Lovejoy, 8 Greenl. 405 ; West v. Penny, 16 Ala. 186; 
 Fant V. Cathcart, 8 Ala. 725 ; Cheshire v. Barrett, 4 McCord, 241. 
 
 (r) Hinely v. Margaritz, 3 Penn. State, 428 ; Harmer v. Killing, 5 Esp. 102. 
 
 (s) Tafc V. Sergeant, 18 Barb. 320. 
 
 (t) See Martin v. Mayo, 10 Mass. 137. 
 
 (u) Whitney v. Dutch, 14 Mass. 457. 
 
 VOL I. 7
 
 74 NOTES AND BILL». [CH. V. 
 
 it, who however does notlung.(y) So a promise ''to pay it as 
 soon as I can make it, but I cannot do it this year ; I under- 
 stand the holder is about to sue it, but she had better not," — 
 was held to be such an affirmation of the contract as would 
 sustain an immediate action ; but this case, we think, goes 
 very far indeed. (m;) If the promise of the advilt be, "All that 
 is justly your due shall be paid," this will sustain an action 
 on the note, and the note will put the defendant to the proof 
 of any injustice of which he would avail himself, (.r) Where 
 the adult said he thought the note had been paid in whole 
 or in part, but that his uncle would be there the next month, 
 and tlie note should then be settled ; this went to a jury as 
 evidence of a ratification. (?/) But where an adult, who had 
 given his note during infancy, made his will, in which he di 
 rected his just debts to be paid, it was held that his executors 
 were not liable on the note.(2r) So, where the adult admitted 
 that he owed the debt, and said that " the plaintiff would get 
 his pay," but refused to give his note lest he might be arrested, 
 this was held to be no ratification of the original promise. (a) 
 So also, when the adult wrote to the plaintiff, " I consider 
 your claim as worthy my attention, but not as meriting my 
 first attention." (6) And where one offered in writing to re- 
 turn the consideration for which he had given his note while 
 an infant, and added, " If they will not accept of the above 
 offer I will have to pay them, I suppose, but I shall do so 
 at my convenience, as it will be nothing less than a free gift 
 on my i)art " ; this clearly was insufficient to avoid the plea 
 of infancy, (c) 
 
 It is settled that a mere acknowledgment or part payment 
 will not amount to a ratification. (c?) But where an infant gave 
 
 (v) Orvis V. Kimball, 3 N. H. 314. And see Hunt v. Massey, 5 B. & Ad. 902 
 
 (w) Bobo V. Hansen, 2 Bailey, 114. 
 
 (x) \\y\'^\\1 v. Steele, 2 N. H. 51. 
 
 (;/) Bay v. Giinn, 1 Dcnio, 108. 
 
 (z) Siniili V. Mayo, 9 Mass. 62. 
 
 (a) Hale v. Gerrish, 8 N. H. 374. 
 
 (/;) Wijrox V. Hoath, 12 Conn. bf>0. 
 
 (c) Diinlap V. HalcH, 2 Jones, N. C. .381. 
 
 (il) TJjriipp r. Fielder, 2 Ksp. 628 ; Tiohbins v. Eaton, 10 N. H. ."JGl ; Smith v. Mayo, 
 9 Mass. 62 ; Whitney v. Dutch, 14 Mass. 4,'j7 ; Tiiompson ;;. Lay, 4 Pick. 48 ; HineW 
 V. Murgarilz, 3 IVnM. Staf, 428 ; Benhain i;. Bishop, 9 Conn. 330.
 
 CH. v.] INFANTS. 75 
 
 a note, and after coming of age he admitted that the transaction 
 ■»as just, and that he had given the payee a watch in part pay- 
 ment, this was held sufficient, (e) 
 
 If an adult, after sufficient notice and a reasonable delay ancl 
 opportunity, continues to retain property which he might restore, 
 and for which lie gave, when an infant, his promissory note, this, 
 both on prevailing, though not uniform, authority, and on good 
 reason, we should hold to be conclusive evidence of ratifica- 
 tion. (/) But it would be otherwise if the property for which the 
 note was given was disposed of by the infant before he was of 
 age.(g-) 
 
 Where an adult was sued for necessaries received by him while 
 an infant, and he pleaded in bar that he gave his note for the 
 amount ; this was very properly held to be a ratification, and in 
 a subsequent action on the note he was not allowed to set up his 
 infancy in bar.(/i) We should be willing to admit that a sub- 
 mission to arbitration by the adult of the question whether he 
 was liable or not, did not amount to a ratification, (t) but we 
 
 (e) Little v. Duncan, 9 Rich. 55. 
 
 (/) In Aldrich v. Grimes, 10 N. H. 194, where an infant purchased a potash kettle, 
 irons, leaches, &c., and gave his promissory note for the price, it being agreed by the 
 parties that he might try the kettle and return it, if it did not answer ; and the vendor, 
 after the infant became of age, requested him to return it, if he did not intend to keep 
 it ; but lie retained and used it with the other property a month or two afterwai-ds ; it 
 was held, that this was a sufficient ratification of the contract, and that an action might 
 be sustained on the note. And see Robbins v. Eaton, 10 N. H. 561. So where an in- 
 fant purchased a yoke of oxen, for which he gave his negotiable promissory note ; and 
 after coining of age he converted them to his own use, and received their avails ; it was 
 held, that this was a ratification of the promise, and that an indorsee of the note was 
 •entitled to recover. Lawson v. Lovejoy, 8 Greenl. 405. And where an infant purchased 
 land, and gave liis note for the purchase-money, and after he became of age continued 
 in possession of the land and promised to pay the note ; it was held, that this was a rati- 
 fication of the note. Armfield v. Tate, 7 Ircd. 2.t8. And where an infant gave his 
 note for a horse, payable to A or bearer, and after he was of age kept the horse and 
 sold him, it was held a ratification. Cheshire v. Barrett, 4 McCord, 241. In Thomas- 
 son V. Boyd, 13 Ala. 419, where an infant, ten days before he attained his majority, 
 purchased a note, and gave in payment thereof a bill drawn by him upon a third per- 
 son ; it was held, that his omission to return the note or disaffirm the contract, after he 
 was of age, warranted the implication that he intended to abide by the contract, and 
 countervailed the defence of infancy. But in Benham v. Bishop, 9 Conn. 330, it was 
 held, that the bare retention of the consideration for which the note of an infant was 
 given, after his coming of full age, was not a ratification. 
 
 (g) Thing v. Libbey, 16 Maine, 55 ; Robbins v. Eaton, 10 N. H. 561. 
 
 (A) Best V. Givens, 3 B. Mon. 72. 
 
 (t) Benhara v. Bishop, 9 Conn. 330.
 
 76 NOTES AND BILLS. [CH. V 
 
 sliould hold the promisor bound by the award ot such arbitrators 
 if they decided that he must pay the note. Where one said he 
 owed the payee, but could not pay him, and would try to get his 
 brother to be bound with him, this, although a recognition of the 
 debt, is neither a new promise, nor a ratification, nor confirma- 
 tion of the note.(y) 
 
 The new promise or ratification must be made to the promisee 
 in person, or to his agent authorized to receive it. (A:) If made 
 to third parties without interest or agency, or even to one wlio 
 is an attorney for the promisee in other matters, but not for this 
 purpose, it is not sufficient. /) 
 
 If the ratification or new promise is conditional, as " provided 
 I receive a certain legacy," or " if I should succeed to a certain 
 estate," or " if I recover a certain sum of money," or " if I 
 draw a prize in a certain lottery," the plaintiff must show that 
 the condition has happened or been complied with. So if the 
 defendant promised to pay " as soon as he should be able," the 
 plaintiff will be required to show the ability of the defendant ; 
 not, however, an ability to pay without inconvenience, for evi- 
 dence that there is property from which the debt might be paid, 
 or an income from some source which would enable the party to 
 pay, would be sufficient. (w) 
 
 If the promise be to pay the note in a particular manner, as by 
 giving a note of a third person for part, and the balance in 
 money, this, it seems, will be an absolute ratification ; and upon 
 failure to comply witli such special promise, an action may be 
 brought upon the original note.(w) So if the promise be in the 
 alternative, as, to pay the note in labor within a specified time, 
 or else in money ; this is an absolute ratification, and if the la- 
 bor be not performed within the time specified, an action will lie 
 upon the n()te.(o) 
 
 (j) Ford V. Phillips, 1 Pick. 202. 
 
 (k) Tims, wlicrc an individual gave a note durinf; infancy, and after he was of 
 age made declarations to persons, having no interest in or agency as to tlie note, of an 
 intention to pay it, it was hrfd, that such declarations fo.-nicd no such evidence of a 
 promise of payment or ratificiition of the contract as would .-'inder such person liaMe. 
 Iloit V. Uiid<rhill. 9 N. II. 4."JG. And sec Goodsell v. Myers, & Wend 479 ; Bigclow 
 V. Grannis, 2 Hill, 120. 
 
 (/) Bi'/,l(,w V. Grantiis, 2 Hill, 120. 
 
 (m) Thompson v. Lay, 4 Pick. 48; Everson v. Carpenter, 17 Wend. 419. 
 
 (n) Taft V. Sergeant, 18 Hurl). .'(20; Stokes i'. Brown, 4 Chand. 39. See Edgcrly t». 
 Bhaw, ry Kost. h\\. 
 
 {(>) Kdgcrly V. Shaw, .'> Komi IiN.
 
 CH. v.] INFANTS. 77 
 
 111 England, by tlie statute of 9 Geo. 4, c. 14, s. 5 (Lord 
 Tenterden^s Act), it is declared "that no action shall be main- 
 tained whereby to charge any person upon any promise made 
 after full age to pay any debt contracted during infancy, or 
 upon any ratification after full age of any promise or simple 
 contract made during infancy, unless such promise or ratifi- 
 cation shall be made by some writing signed by the party to 
 be charged therewith." Under this provision it has been held, 
 (and in this respect the statute has made no alteration,) that 
 any written instrument signed by the party, which, in the case 
 of adults, would have amounted to the adoption of the act 
 of a party acting as agent, will, in the case of an infant who 
 has attained his majority, amount to a ratification. (/v) But 
 we very much doubt the correctness of this rule. In a later 
 case, a learned judge has more correctly, we think, defined a 
 ratification " to be a consent by a person after he becomes of 
 full age to be liable for a debt contracted during infancy, ex- 
 pressing to the effect that he is willing to affirm it and treat 
 it as valid." (<7) 
 
 If an infant is a member of a firm at the time when a note 
 is given in the name of the firm, the mere fact of his continuing 
 in the firm after he comes of age, without giving any notice 
 of his intention not to be bound by the note, will not amount 
 to a ratification. (r) But he will be liable on notes given by 
 the firm after he comes of age, though he has in fact ceased 
 to be a member of the firm, unless he has given notice of this 
 fact.(i-) 
 
 If an infant together with an adult make a joint promissory 
 note, it would seem that in England the payee may bring his 
 action upon it against the adult without making the infant 
 a party defendant. (^) But this has been denied in this coun- 
 try, (m) 
 
 (p) Harris v. Wall, 1 Exch. 122. 
 
 {q) Martin, B., in Mawson v. Blane, 10 Exch. 206. 
 
 (r) Crabtree i;. May, 1 B. Mon. 289. 
 
 (s) Goode V. Harrison, 5 B. & Aid. 147. 
 
 (0 Burgess v. Merril\ 4 Taunt. 468 ; Chandler v. Parkes, 3 Es3. '6 ; Jaffray v. 
 Frebain, 5 Esp. 47. 
 
 (w) Slocum v. Hooker, 1? Barb. 563, 13 Barb. 536; Wamsley v. Lindenberger, i 
 Rand. 478. 
 
 7*
 
 NOTES AND BILLS. [CH. V 
 
 SECTION II. 
 
 OF MARRIED WOMEN. 
 
 By the common law of England, which is our common law, 
 husband and wife are one person, and the husband is that 
 person ; for most purposes the wife's personal existence being 
 merged in that of the husband. This rule is qualified some- 
 what, in this country, by adjudication; much more, however, by 
 recent statutes in several of the States.('y) But the whole law 
 of husband and wife may be said to be still in a transition 
 state in this country. The reasons for the old law, most of 
 which depended upon the feudal system, having disappeared, 
 there seems everywhere a willingness, if not an effort, to intro- 
 duce new principles, better suited to our own times and circum- 
 stances. As yet, however, the common law may be said to be 
 generally in force, although everywhere with much qualification. 
 
 A married woman cannot legally make, indorse, or accept 
 notes or bills, as acting for herself, (w) Nor does a divorce 
 a 7nensa et tlioro give her this power at common law ; {x) but 
 a divorce a vinculo wholly annuls the marriage, and all its 
 incidents and disabilities. Nor has her signature any more 
 force because she represented herself to be unmarried. (/y) Nor 
 if she has eloped, and lives hi notorious adultery. (z) Nor if 
 she lives apart from her husband, and has a separate main- 
 tenance secured to iier.(«) And in order to create a charge 
 upon the separate estate of a married woman, the intention 
 to do so must be declared in the very contract which is the 
 foundation of the charge, or the consideration must be obtained 
 for the direct benefit of the estate itself. Therefore, where ? 
 
 (y) Sec 1 Parsons on Cont. 306. 
 
 (m>) liarlow V. Bisliop, 1 East, •432, 3 Esp. 206 ; Cotes v. Davis, 1 Camp. 48ri; Coon 
 u. IJrook, 21 Bail). ."i^O ; Howe w. Wildes, 34 Maine, 566; Connor n. Martin, 1 Stra. 
 516, 8. c. cited in RawIinsoTi v. Stone, 3 Wilson, .■). 
 
 {x) Lewis V. Lcc, 3 B. & C. 2'Jl. It is otherwise in Massachusetts. Dean v. Rich- 
 rtiond, 5 Pick. 461. 
 
 (y) Cannam v. Farmer, 3 Exch. 608; Lowell v. Daniels, 2 Gray, 161. 
 
 (z) Ilatchett V. Bftddclcy, 2 W. Bl. 1079. 
 
 (a) Marshall v. Rulton, 8 T. K 545 ; Hyde v. Price, 3 Vcs. 437 ; Lean v. Scha/«, 
 2 \V. Bl. 1195.
 
 CH. V.J MARRIED WOMEN. 79 
 
 married woman signed a promissory note as surety for her 
 husband, and intended to charge her separate estate, but the 
 note contained no words to this effect, it was held that the 
 estate was not liable, (6) Unlike an infant's, her promissory 
 note or bill, made during coverture, is so utterly void, that 
 her promise to pay it, made after her disability has terminated 
 by her husband's death, will not operate as a confirmation, nor 
 have any force, unless made upon a new consideration, so as to 
 be binding as an independent promise. (c) Nor can she, like 
 an infant, convey a good title to a third party by her indorse- 
 ment. (^) But if she gave a bill or note for money lent while 
 married, and then procured a separate estate, and after her 
 husband's death promised to pay it, it is said this promise will 
 bind her and her executors. (e) A second indorser cannot in 
 an action against him on the bill dispute the legal capacity of 
 the payee to indorse, on the ground that she was a married 
 woman. (/) 
 
 (6) Yale v. Dederer, 22 N. Y. 450, 21 Barb. 286. See Bullpin ?;. Clarke, 17 Ves. 
 365 ; Stuart v. Kirkwall, 3 Mad. 387. 
 
 (c) Loyd V. Lee, 1 Stra. 94 ; Vance v. Wells, 6 Ala. 737, 8 Ala. 399 ; Littlefield v. 
 Shee, 2 R. & Ad. 811 ; Meyer v. Haworth, 8 A. & E. 467 ; Eastwood v. Kenyon, 11 
 id. 438 ; Watkins v. Halstead, 2 Sandf. 31 1. But see Coward v. Hughes, 1 Kay & J. 
 443 ; Franklin v. Beatty, 27 Missis. 347. 
 
 ((/) Tims, in Barlow v. Bishop. 3 Esp. 266, 1 East, 432, where a promissory note 
 was given hy the defendant to a married woman, whom he knew to be such, with intent 
 that she should indorse it to the plaintiff in payment of a debt which she had contracted 
 to him, in the course of carrying on a trade on her own account by the consent of her 
 husband, it was held, that the property in the note vested in the husband by the delivery 
 to the wife, and that no interest passed by her indorsement in her own name to the 
 plaintiff. And in Savage v. King, 17 Maine, 301, it was held, that a note made pay- 
 able to a married woman is in law a note to the husband, and becomes instantly his 
 property ; and her indorsement transfers no property in the note. So where an action 
 was brought by the indorsee of a promissory note, payable to Susan Connor or her 
 order, and given to her before marriage ; which note, after her marriage and while 
 covert, she indorsed to the plaintiff; the court were of opinion that the feme covert could 
 not assign the note, because by act of law it became the sole right and property of her 
 husband. Connor v. Martin, 1 Stra. 516, s. c. cited in Rawlinson v. Stone, 3 Wilson, 
 5. See also Sluittlesworth v. Noyes, 8 Mass. 229 ; Commonwealth v. Manley, 12 Pick. 
 73 ; Cotes v. Davis, I Camp. 483. It will be seen, therefore, that there are two rea- 
 sons why the indorsement of a married woman is void : 1st, Because all contracts and 
 conveyances of a married woman are void on account of her incapacity ; 2d, Because 
 a note given to a married woman does not belong to her, but to her husband. But see 
 infra, p. 87, note k, for the limitations to this doctrine. 
 
 (e) Lee r. Muggeridge, 5 Taunt. 36 ; Vance v. Wells, 8 Ala. 399. See Franklin v. 
 Beatty, 27 Missis .S47. See 1 Parsons on Cont. 359-361. 
 
 (/) I'rescott Bank v. Caverly, 7 Gray, 217.
 
 80 NOTES AND BILLS. [CH. V. 
 
 A married woman may, however, in this, as in most transac- 
 tions, act as agent for another, and so she may act for her hus- 
 band. In that case she should sign, " A (the husband) by B 
 (the wife)." But if she sign "B (the wife) for A (the hus- 
 band)," this would undoubtedly be sufficient. And if she 
 merely signed her husband's name, without adding anything to 
 show that it was signed by an agent, perhaps the husband would 
 be bound. (g") But if she merely sign her own name, without 
 anything to indicate that she is acting in behalf of her husband, 
 this presents a still more doubtful question. We should say that, 
 in the absence of any subsequent ratification, or other special cir- 
 cumstances, such a signature would not bind the husband. Where 
 a wife indorsed a note in this form, it was held that it did not pass 
 the husband's interest, although the note was in form payable to 
 the wife.(/i) And where a husband authorized his wife to pur- 
 chase a piece of land and " give notes for the purchase-money," 
 and the wife purchased the land and gave a note for a part of the 
 purchase-money, signed with her own name merely, it was held 
 that the husband was not liable on the note.(i) 
 
 ((/) We are not aware that tliis point has ever been expressly decided. The recent 
 case of Wood v. Goodridj^e, 6 Cush. 117, contains some well-considered dicta against 
 the validity of such a signature. The precise question was raised in Shaw v. Emery, 
 38 Maine, 484 ; but it was unnecessary to decide it, there having been a subsequent 
 ratification by the husband. See 1 Parsons on Cont. 95 - 97. We shall advert to 
 tliis point again when we come to speak of agents. 
 
 (A) Barlow v. Bishop, 1 East, 432. Tiiis was an action against the maker of a prom- 
 issory note, made payable to one Ann Parry or order, and by her indorsed to the plain- 
 tiff. It appeared that Ann Parry was a married woman, carrying on trade at Bir- 
 mingham in her own name, with the consent of her husband ; and that the plaintiff, 
 who lived in London, had furiii.shed her with goods to the amount of the note, 
 dealing with her as a/eme sole ; that the plaintifij after much delay, having pressed 
 for payment, liie defendant, with a view to serve Mrs. Parry, gave her the note in 
 qucHlion with knowledge of her being married, and with a view that she should pay 
 it over to tiie phiintifl' in order to stop his proceedings against her. which she did 
 by indorsing it over to him. It was/dW, that the plaintillcould not recover. Lord 
 Kf.nyan said : " Jt is clear that the delivery of the note to the wife vested the interest 
 in her husband ; and as he perniilled her to carry on trade on her own account, and 
 this was a transaction in tlie course of that trade, if she had indorsed the note in tlie 
 name of lier husband, I am not i)repare(l to say lliat tiiat would not liave availed; aj 
 many acts of this nature may be done l)y a power of attorney ; and the jury might 
 have prcHumed what wan necessary in favor of an aiitliority from her liusband for 
 thi« purpoHC. But the indorsement being in her own name, it is quite impossible to 
 nay that she could pass away the interest of her husband by it." 
 
 {!) Minard v. Mead, 7 Wend. OS. SntJurUtvd, J., in delivering the opinion of the
 
 CH. v.] MARRIED WOJrEN. 81 
 
 But it is a familiar principle, tliat a man, either in his general 
 dealings or in a particular transaction, may adopt whatever name 
 he chooses, and he will be bound accordingly. If, therefore, a 
 husband should put his wife's name to a note given on his own 
 account, he would be considered as having adopted his wife's 
 name pro liac vice, and would be liable on the note. Upon the 
 same principle, if the husband clearly authorizes his wife to give 
 notes on his account and sign her own name, and she does so, 
 he will be liable. (j) Therefore, if the wife executes a note for 
 her husband, in his presence, and signs her own name merely, 
 with his knowledge and consent, he will be bound. (A;) So, if the 
 
 court, said : " The note was not so executed as to bind the defendant. It was signed 
 with the name of the wife, without any reference whatever, either in the body or signa- 
 ture, to the defendant, and without purporting to be signed by her as the agent of, or 
 on behalf of, lier husband. Nothing but proof of a special authority from the husband 
 to the wife to sign in that manner would make the instrument the note of her husband. 
 Her authority as agent merely was to give a note in the name of her husband. If an 
 agent signs his own name, instead of the name of his principal, as a general rule tho 
 principal will not be bound." 
 
 ( /) Cotes V. Davis, 1 Camp. 485. This was an action by the indorsee against the 
 maker of a promissory note, payable to " Mrs. Carter or order," and indorsed by her in 
 her own name. Mrs. Carter was a married woman. It was proved that when the note 
 was presented for payment by a notary, with the indorsement upon it, the defendant 
 said it should be paid in a few days ; and that he afterwards asked for further time, 
 when the action was commenced and the declaration had been delivered. Upon these 
 facts, Garroiv, for the defendant, contended that no title to the note passed by the in- 
 dorsement. But Lord EllenhorwKjh said : " The husband may authorize the wife to 
 indorse bills of exchange or promissory notes as his agent ; and, after the acknowledg- 
 ments and promises of the defendant in this case, it may reasonably be presumed 
 against him, that Mrs. Carter had authority from her husband to indorse the note in 
 question.'' Garrow : "But in that case, the indorsement ought to have been in the 
 name of the husband." Lord Ellenborough : "We may fairly carry the presumption 
 one step further, and presume that the husband authorized her to indorse notes in the 
 name by which she herself passed in the world. The defendant is now estopped from 
 contesting her authority for this indorsement." And see Prestwick v. Marshall, 7 
 Bing. 565 ; Prince v. Brunatte, 1 Bing. N. C. 435 ; Lindus v. Bradwell, 5 C. B. 583 ; 
 Stevens v. Beals, 10 Cush. 291 (disapproving Savage v. King, 17 Maine, 301) ; Han- 
 cock Bank v. Joy, 41 Maine, 568. 
 
 (k) Prestwick v. Marshall, 7 Bing. 565. This was an action on a bill of exchange 
 drawn by Lydia Bickerstaff, accepted by the defendant, and indorsed by Lydia to the 
 plaintiff. It appeared that the drawer of the bill Avas a married woman, and kept a 
 school, at which the defendant had placed his daughter. The bill in question was 
 accepted by the defendant, at the request of Mrs. Bickcrstaff's husband, for the e.xpense 
 of his daughter's education. The bill was drawn by the husband, and signed and in- 
 dorsed by the wife in his presence ; and it was put in that form at the defendant's 
 request, he considering that his engagement was with the wife rather than the husband. 
 The bill was afterwards negotiated to the plaintiff by the husband. The court hdd. 
 Vol. I— F
 
 82 NOTES AND BILLS. [CH. V. 
 
 wife signs in this form, and afterwards the husband, upon being 
 informed of it, ratifies and confirms the act, tliis will be equiva- 
 lent to a prior authority to sign in this form, and will bind him.(^) 
 If the husband receives and retains the money arising from the 
 
 that the plaintiff was entitled to recover. The same point was decided in Menkens v 
 Heringhi, 17 Misso. 297. 
 
 (/) This was expressly decided, after much consideration, in Lindus v. Bradwell, .5 
 C. B. 583. There a bill of exchange addressed to the defendant hy the name of " Wil- 
 liam Bradwell" (his true name being William David Bradwell) was accepted by his 
 wife, by writing across it her own name, " Mary Bradwell." There was no evidence 
 of any express authority in the wife so to accept the bill ; but on its being presented to 
 the husband after it had become due, he said he knew all about it, that the bill was a 
 millinery bill (for which the husband appeared to be liable), and that he would pay it 
 very shortly. Held, that he was liable as acceptor. Maule, J. said : " I think the de- 
 fendant is bound by the acceptance of his wife. The evidence of Henry Lindus shows 
 that the defendant represented himself to be a person bound by the bill, after his atten- 
 tion had been particularly called to it. He says he knows all about it, that it is ac- 
 cepted by his wife, and mentions the particular transaction out of which it grew, and 
 promises to pay it shortly. The irresistible inference from this is, that he considers the 
 bill as one that he is liable to pay. He, in effect, says that his wife was authorized by 
 him to accept this particular bill in the way she did. At any rate, the conversation 
 fairly admits of that inference. He sees that his wife has written her own name across 
 the bill, and recognizes it as done by his authority. The question is, whether it is 
 competent to a man to give his wife such an authority. Cotes v. Davis, a case that has 
 been since recognized, seems to be a strong authority upon the subject. But, upon 
 principle, it seems to me that there is no objection to the plaintiff's recovering upon this 
 bill. The acceptance is in writing, and therefore satisfies the statute 1 & 2 Geo. 4, c. 
 78. If a man says to his wife, Accept such a bill drawn upon me, in your name, unless 
 he intends to be bound by that, he means nothing. Unless such an acceptance operates 
 to charge him, it has no operation at all. The defendant clearly meant to bind him- 
 self, if, in point of law, he could do so. It is said that a drawee cannot bind himself 
 othenvise than by writing his name on the bill. But suppose the drawee, with liis own 
 hand, accepts the bill by writing another name across it, will he not be liable? Here 
 the defendant has, by the hand of his wife, written ' Mary Bradwell ' on the bill. If he 
 had done that with his own hand, it clearly would have been his own acceptance ; and 
 I know of no rule of law that makes such an authority void. It is difficult to say, 
 that, if the defendant had written his true name, William David Bradwell, across the 
 bill, that woultl not have been an acceptance that would bind him ; and yet, inasmuch 
 as that would not be the name in which it was addressed, if the argument of the defend- 
 ant's counsel is well founded, he would not be lia!)lo. I admit that nobody but the 
 defendant could accept this bill, so as to charge him ; but he has accepted it by the 
 hand and in the name of his wife; and that, I think, is a sufficient acceptance to bind 
 him." CreHswdl, J. said : '• The jury must be assumed to have found here, that the 
 wife had authority to acccjjt this bill ; and as the defendant, by his subsequent conduct, 
 showcil that he was satisfied with the mode in which the authority had been exercised, 
 wc must likewise assume that the jury also found tliat he authorized her to bind him in 
 that particular way. It is by no means an unusiml thing for a bill of exchange to l)e 
 drawn upon persotis trading under a style that corresjionds with tlic name of no one 
 member of the existing firm ; and yet bills so drawn and so accepted are perfectly 
 gooil. So here, tiic bill iinving been ai^cejited, and in lliis form, hy the autliority of 
 the defendant, he iH clearly liable upon it."
 
 CH. v.] MARRIED WOMEN. . 83 
 
 wife's act as his agent, this is a ratification. (/^) It shoukl seem, 
 that if the husband carries on business generally in his wife's name, 
 and authorizes her to give notes for him in the course of such busi- 
 ness, this will render him liable on notes so given, and signed with 
 the wife's name.(?u) And if a woman holds a note at the time of 
 her marriage, and afterward indorses it in her maiden name, this 
 will pass the interest of the husband, if the circumstances of the 
 case be such as to warrant the presumption that the indorsement 
 was so made with his authority and assent,(?i) 
 
 In order to hold the husband on a bill or note executed by his 
 wife as his agent, the wife's authority must be very clearly 
 proved. (o) It will not be sufficient, it seems, to show that the 
 wife carried on trade or business, and purchased goods on credit, 
 with the knowledge and consent of her husband. For he may 
 be willing to be answerable for the price of goods purchased on 
 credit by his wife, for the purpose of carrying on the business in 
 which she is engaged, so long as it is done in such a manner that 
 he, if she be defrauded or imposed on in the purchase of the 
 goods, shall not be precluded from showing the fact, as a defence 
 against the payment for them. But if she be allowed to pur- 
 chase goods on credit, and give negotiable bills or notes for tlie 
 payment of them, he loses this protection. For the moment that 
 such paper comes into the hands of a bona fide holder for value, 
 the husband becomes absolutely bound for the payment of it at 
 maturity, however fraudulent the transaction may be for and on 
 account of which the paper was given. (;?) And though a trades- 
 man cannot write, and his wife write for him whatever is requi- 
 site in his trade, he will not be liable on a bill or note signed by 
 her in his name, xmless there is some evidence that it was signed 
 by her in respect of his trade. (</) If a husband authorize his 
 
 (//) National Bank v. Fassott. 42 Vt. 432. 
 
 (w) Abbott V. Mackinley, 2 Miles, 220. 
 
 (n) Miller u. Delamarer, 12 Wend. 433. 
 
 (o) Goldstone v. Tovey, 6 Bing. N. C. 98. 
 
 (jo) Reakert v. Sanford, .5 Watts & S. 164. See Krebs v. O'Grady, 23 Ala. 726. 
 
 [q) Smith V. Pedley, Bayley on Bills, 2d Am. ed., p. 42. In an action by the 
 uidorsee of a note against defendant as maker, it appeared that defendant could not 
 write, that his wife wrote for him whatever was requisite, and tliat this note was signed 
 by the wife in his name ; but there was no evidence that the note was given on 
 account of any concerns of the husband ; it was, however, left to the jury to pre- 
 sume it was given for the husband's concerns ; and the jury found for the plaiiitifF. 
 But on a rule nisi for a new trial, the court thought there was nothing to warrant such 
 presumption by the jury, and a new trial was granted.
 
 84: NOTES AND BILLS. [CH. V. 
 
 wife 10 draw, accept, and indorse bills in his name, she cannot 
 delegate this authority to another. Delegatus non potest dele- 
 gare. But she may direct another person to write her husband's 
 name for her, in her presence. (r) 
 
 Although a note given by a wife to her husband is of itself 
 altogether void, yet if the husband indorse it over, it is valid as 
 between this or a subsequent indorsee and the husband. (i-) 
 
 A woman may, under some circumstances, be a sole trader. 
 As if her husband is an alien, and has not been in this country. (^) 
 Or if imprisonment for crime or desertion have restored to her, 
 quasi, the rights of a single woman. (w) The rule on this point 
 
 (r) Lord v. Hall, 8 C. B. 627. In this case, upon an issue as to the indorsement of 
 a promissory note by J. S., it was proved that the wife of J. S. had the general man- 
 agement of his business ; that she was in the habit of drawing, accepting, and indors- 
 ing bills and notes in his name ; and that the name of J. S. was indorsed upon the noto 
 in question by his daughter, by the direction and in the presence of her mother, by 
 wiiom the note was afterwards handed to the plaintiff. Held, that it was a question of 
 fact for the jury, whether the indorsement so made was within the scope of the wife's 
 authority; and that the evidence warranted them in concluding that it was. 
 
 (s) Haly V. Lane, 2 Atk ISL See Knox v. Reeside, 1 Miles, 294. 
 
 {t) Kay V. Duchesse de Pienne, 3 Camp. 123. See 1 Parsons on Cent. 306, n. (e). 
 In M' Arthur v. Bloom, 2 Duer, 151, the defendant, being sued as the maker of two 
 promissory notes, pleaded coverture. It appeared that she was a native of Prussia, 
 but had lived in New York for more than seven years; and during that time had carried 
 on busine>s in her maiden name, as a feme sole. It also appeared that her husband, to 
 whom she had been married more than twenty years, had continued to live in Prussia, 
 and by the law of that country could not leave the kingdom without the express per- 
 mission of the government. Held, that the defendant, under these circumstances, 
 might justly be considered and treated as a, feme sole, and that the plaintiffs were there- 
 fore entitled to recover. Gunpbell, J. said : " It would be difficult to distinguish this 
 case from that of Gregory v. Paul, 1.5 Mass. 31, except in that case it appeared that the 
 husband had deserted the wife in England, while in this case the reasons of the separa- 
 tion, atid of the wile assuming her maiden name, do not appear. There is in the case 
 before us, however, another fact, which may be considered of importance. It is, that, 
 by the laws of Prussia, a passport or permit is required to enal)le a subject of that 
 country to emigrate. It may be that such permit would not be given to the husband, 
 and thus the case would be brought within the rule of many of the English cases, as 
 well as the principle upon which the rule was founded. Thus, when the husband was 
 an alien enemy residing abroad, the wife was always treated as a. feme sole, because it 
 might well be that he would not be permitted to come into the country where she re- 
 sided. So. when the husbaiul was transported, even though for a limited period, the 
 wife was also treat(;d as i\, fine sole, as the husband might not be permitted to return, 
 or miglit be disposed never to return, even after his term of banishment had exjiired. 
 In such cases, it is said that it is greatly for the interest of the wife that she shouhl be 
 trciiKul and considered as a feme sole, or ()th(!rwiso she could neither sue nor be sued ; 
 could neither enforce her rights, nor obtain the credit which might be necessary, in order 
 to enable licr to make a support for herself." 
 
 Iti\ K«p I I^nrxoiis fin (Vint. 306. n. fsi.
 
 CH. v.] MARRIED WOMEN. 85 
 
 may not be well settled in this country, where we have no " cus- 
 tom of London " ; but the cases in our notes will show in wha< 
 way our courts have dealt with this question. (f) In some of the 
 States, by statute, married women may trade as, and have many 
 or all the rights of, femes sole.{iv) 
 
 If a bill or note be given by a single woman who afterwards 
 marries, the husband is liable upon it, and they should be sued 
 jointly. (.^) But if she dies before a judgment is obtained for 
 the debt, the husband is no longer liable as such ; but her rep- 
 resentatives are liable. (?/) 
 
 Bills and notes possessed by a single woman before and at 
 her marriage are her choses in action, which the husband may 
 reduce to his possession and so make his own, or may not. 
 If he does not, and dies, her right and interest to or in them 
 are the same as before marriage. (2r) If she dies, they are now 
 assets in the hands of her administrator ; the husband has a 
 right to be her administrator ; and having in that capacity 
 collected the notes or bills, he will retain the proceeds for 
 his own benefit and as his own property. (a) And if he dies, 
 
 {») In Pennsylvania and South Carolina a wife may become a sole trader, and be- 
 come liable as sufh, in imitation of the custom of London. See 1 Parsons on Cent. 
 306, note d; Wiltliaus v. Ludecus, .5 Rich. 326. In Gregory v. Pierce, 4 Met. 478, the 
 court declared, that if there be a complete and absolute desertion of the wife by the 
 husband by his continued absence from the Commonwealth, and a voluntary separa- 
 tion from, and abandonment of, his wife, with an intent to renounce de facto the mari- 
 tal relation, and leave her to act as a feme soIp, this will enable her to sue, and render 
 her liable to be sued, as a feme sole. But in Chouteau v. Merry, 3 Misso. 254, where 
 the husband abandoned his wife in the State of Missouri, in 1821, and voluntarily left 
 that State and established himself in Arkansas Territory, where he continued to reside, 
 it was held, that the wife, who continued to reside in the State of Missouri, was not 
 liable on a note given by her there in 1831. The court said : " Coverture operates a 
 legal disability to contract, and all contracts of a feme covert are absolutely void. The 
 facts in this case do not bring it within any of the exceptions. The cases cited from 
 the English books are where the husbands abjured the realm, or were foreigners resid- 
 ing abroad. The principles settled in those cases do not apply. If by a removal from 
 one State to another, or a separate residence in different States, the indissoluble con- 
 nection by which the wife is placed under the power and protection of her liusband 
 could be cancelled, and the parties thereby relieved of their respective liabilities and 
 disabilities, there would be little need of troubling the legislature or the courts on the 
 mbject of divorces." See l^ean i\ Morgan, 4 McCord, 148. 
 
 (to) See the statutes on this subject collected in 1 Parsons on Cont. 306, 7uAe. 
 
 (x) Mitchinson v. Hewson, 7 T. R. 348. 
 
 (y) Ibid. 
 
 (z) 1 Parsons on Cont. '295, note r. 
 
 (a) 1 Parsons on Cont. 285, note s. 
 
 VOL. L 8
 
 &8 NOTES AND BILLS. [CH. V 
 
 the right of taking out letters of admmistration upon her tin- 
 settled estate goes to his next of kin, and not to hers.fZ;) If 
 she leaves debts contracted when single, for which the husband 
 is no longer liable as such, he is still liable as her adminis- 
 trator to the extent of her bills or notes or other choses in 
 action which he has reduced to possession after her death ; 
 but not for those which he reduced as husband, while she 
 lived, (c) 
 
 It lias been held, that if he gets actual possession of her 
 unreduced choses m action after her death, without taking out 
 letters of administration, they are then his property. There 
 are, however, some legal, although perhaps only technical, ob- 
 jections to this doctrine. (tZ) 
 
 Wiiat is a reduction to posssession of the wife's bills and 
 notes is not quite so certain. We should say, any act which 
 distinctly manifested a purpose of inakmg them his own ; as 
 collecting a note, or demanding payment, or indorsing, or as- 
 signing it.(e) But we should also say, that eitlier of these 
 acts miglit be so done, and accompanied with such declara- 
 tions or other acts, as to leave the property still the wife's. 
 And even if the husband collected the money, but collected 
 it for her, and immediately invested it, in good faith, in other 
 choses in action in her name, we should say on principle that 
 these new choses in action would stand in the same right, and 
 be suljject to the same rules of law, as did the bills or notes. (/) 
 
 Bankruptcy is not a reduction to possession ; nor, it seems, 
 can a creditor of the husband obtain possession of the bills or 
 notes of the wife without the co-operation of the husband. (^'') 
 Tlie cases on the subject of a transfer by the husband are m 
 some conflict. Perhaps the weight of authority may be, tliat 
 if a husband transfers unreduced choses in action, or gives 
 
 (/') 1 I'arsons on Cont. 285, note u. 
 
 (<:) 1 I'arsoiis on Cont. 285, note s. 
 
 (d) Wliitakc^r v. Wliitiikcr, C Johns. 1 12 ; 1 Parsons on Cont. 285, note t. 
 
 (c) Scari)i;llini v. Atclicson, 7 Q. B. 804 ; Tattle v. Fowler, 22 Conn. 58. 
 
 (/) See, to that cfFcct, iStunwood v. Stanwood, 17 Mass. 57; Plielps v. Phelps, 20 
 Pick. 55C ; Adams v. Rrackett, 5 Met. 280 ; Fisk v. Cushinan, 6 Cush. 20 ; Wilder v. 
 Aldricli, 2 II. \. 518 ; Marston v. Carter, 12 N. IL 159 ; Poor v. Ilu/.leton, 15 id. 5(4 
 
 ((/) Yates V. Slicrrin),'ton, II M & W. 42, 12 id 855. And sec Marstou v. Career, 
 12 N. II. 159; Poor v. Ila/.letoii, 15 id. 504. But see Shuttiesworth v. Noyes, 8 
 Mass. 229 ; IL'iy\va»d v Hay ward, 2(1 Pick. 517 : Sniith v. Chandler, .3 Gray, 392.
 
 CH. v.] MARRIED WOMEN. 87 
 
 authority to a third person to collect them for that person's 
 own benefit, and such transferee or agent proceeds to collect 
 the same, and completes this while the husband lives, he has 
 the property. But if the husband dies before the collection 
 and reduction are consummated, the wife's rights revive. On 
 principle, we should say that the actual transfer of a chose in 
 action is an actual or a constructive reduction to possession^ 
 and is complete as soon as made, whether the husband lives 
 or dies. But that the right of reducing is strictly marital, 
 and cannot be transferred by a husband ; that such agent, 
 therefore, acts only for him, and has no interest in the prop- 
 erty, unless the husband actually transfers the property in the 
 chose in action to him, or confirms him in the possession of 
 the proceeds, and that such agency is therefore terminated by 
 the death of the husband. (A) The receipt of interest is not 
 necessarily a reduction to possession ; nor is, it seems, a re- 
 ceipt of a part of the principal. (f) 
 
 If a bill or note is given to a married woman, the property 
 in it is her husband's, so tliat he alone can indorse it.{j) But 
 if he does not reduce it to possession, it belongs, at his death, 
 to his wife, and not to his executors ; and she, and not they, 
 must sue it, or may indorse it.{k) It has been thought that, 
 
 (/i) 1 Parsons on Cont, 4th ed., 285, note va. 
 
 (i) Hart v. Stephens, 6 Q. B. 937 ; Nash v. Nash, 2 Mad. 133 In this last case 
 the father of a married woman drew a checlv in her favor upon his bankers for £ 10,000. 
 Tlie bankers gave her a promissory note for the £ 10,000. Afterwards, £ 1,000, part 
 of the principal money due on the note, was paid to her husband ; and he also received 
 the interest due on the note up to the time of his death. Held, that, upon the husband's 
 death, the wife was entitled to the note as a chose in action which had survived to 
 her. 
 
 ( /) Mason v. Morgan, 2 A. & E. 30. And see supra, p. 79, note d. 
 
 {k) This was settled in Massachusetts, upon great consideration, in Draper v. Jack- 
 son, 16 Mass 480. And see Hay ward v. Hay ward, 20 Pick. 517 ; Phelps v. Phelps, 
 20 Pick. 556. The same point was decided in England in the case of Gaters v. Made- 
 ley, 6 M. & W. 423. And Parke, B., in delivering the opinion of the court, said : 
 " When a chose in action, such as a bond or note, is given to n feme covert, the husband 
 may elect to let his wife have the benefit of it. or if he thinks proper he may take it 
 himself; and if, in this case, the husband had in his lifetime brought an action upon 
 this note in his own name, that would have amounted to an election to take it himself, 
 ana to an expression of dissent on his part to his wife's having any interest in it. On 
 the other hand, he may if he pleases leave it as it is, and in that case the remedy on it 
 survives to the wife, or he may, according to the decision in Philliskirk v. Pluckwell, 2 
 Maule &■ S. 393, adopt another course, and join her name with his own ; and in that 
 ca^e, if he should die after judgment, the wife would be entitled to the benefit of the
 
 S6 NOTES AND BILLS. ' [CH. V 
 
 if the husband's money were the consideration of the note, 
 the wife should be held trustee for the husband's representa- 
 tives. (/) But we think it would remain hers, if the husband, 
 being solvent, intended in good faith that it should be her 
 chose in action. («z) The husband, on such a note, may sue 
 alone, (w) or may jom the wife ; (o) if he sue alone, debts due 
 from him may be set off; if he join the wife, it seems that 
 debts due from her before marriage may be set off. (7^) 
 
 If a bill or note be given to a wife for her separate use, 
 and the consideration be her distributive share in an intestate 
 estate, it becomes, as it is said by the common law, the prop- 
 erty of the husband. (^) That it would be so, so far that he 
 alone could mdorse, we should readily admit ; yet we cannot 
 but doubt whetlier it becomes at once the property of the hus- 
 band, m the sense of a chose in action reduced to possession. 
 
 A bill being drawn payable to a wife, and the husband suing 
 the drawer, the defendant cannot object that the wife had no 
 
 note, as the judgment would survive to her " This doctrine, therefore, is not incon- 
 sistent with that stated aiite, p. 79, note d. See further. Hart v. Stephens, 6 Q. B. 
 937 ; SearpclUni v. Atcheson, 7 id. 864; Howard v. Oakes, 3 Exch. 136; Guyard w. 
 Sutton, 3 C. B. 153 ; Wikler v. Aldriuh, 2 R. L 518 ; Poor v. Hazleton, 1.5 N. H. 564. 
 
 (/) In Gaters i' Madeley, siqva, Purke, B. said : " Whether the executor of the hus- 
 band, where the money advanced was his, could compel an account from the executor of 
 the wife, who i-ecovered on the note, by a bill in equity, is another matter, with which, 
 in a court of law, we have nothing to do, and which coukl make no difference in this 
 case, as it would not vary the right of action on the note." In Draper v. Jackson, 
 supra, wiiere the consideration of tiie note was the sale of real estate belonging to the 
 wife, Jackson, J. said : " In considering this question, we except tlie case of a volun- 
 tary gift by the husband to his wife; as when he advances his own money or other 
 property, and takes for it a note or bond to himself and his wife. This, like every 
 otliur voluntary conveyance, would, without doubt, be void as against the creditors of 
 the husband. But when no such fact appears, and especially wiien, as in the present 
 case, the contrary appears, the law seems to require that the wife shall have tiic note or 
 bond, if she survives." And see Adams v. Brackett, 5 Met. 280; Guyard v. Sutton, 3 
 C. B 1.53. 
 
 (m) Sec preceding note. And see cases cited supra, p. 86, note/! 
 
 (n) Burrough v. Moss, 10 B. & C. 558; Sutton v. Warren, 10 Met. 451. And in 
 McXcilage v. Ilolloway, 1 B. & Aid. 218, where a bill of exchange was payable to a 
 finif. soln, who intermarried before the same was due, it was held, that the husl)and 
 might sue in liis own name, without joining the wife, although the latter had not in- 
 dorsed the bill. But see. as to tills case, Richards v. Ricliards, 2 B. & Ad. 447 ; Ga 
 ters V. Madeley, fi M. &, W. 423 ; Hart v. Stephens, 6 Q. B. 937. 
 
 (o) IMiiiiiskirk v. riuckweli, 2 Manic & S. 393. 
 
 (/;) HtnTougii V. Moss, 10 B. & C. 558. 
 
 (7) Coinmonwealtii v Mauley, 12 Pick. 173.
 
 CH. v.] PERSONS UNDER GUARDIANSHIP. 89 
 
 right to demand payment of the drawee, and that consequently 
 there has been no legal demand or presentment. (/•) 
 
 Where a wife lent to her husband and two others money which 
 belonged to her as administratrix, taking their joint note, it was 
 held that slie could not sue this note while the husband lived, but 
 might sue the otlier parties after his death. (.s) But a note given 
 by the husband alone to the wife during coverture is void, al- 
 though the consideration was money belonging to the wife at the 
 time of their marriage. Consequently, the wife cannot maintain 
 an action on the note, after her husband's decease, against his 
 executor. (^) 
 
 Where a note secured by mortgage was made to husband and 
 wife to secure the purchase-money of land belonging to the wife, 
 the husband dying, the note and mortgage went to the wife, and 
 not to his administrators. («^) 
 
 Payment to a married woman of a sum due on a note to her 
 will not discharge the party making it, unless the payment were 
 authorized by the husband. (t;) 
 
 There are some rules or principles in relation to indorsement 
 and acceptance when made by a married woman, or of a note or 
 bill to a married woman, which we shall consider when we treat, 
 in a later cliapter, of indorsement and acceptance specifically. 
 
 SECTION III. 
 
 OF PERSONS UNDER GUARDIANSHIP. 
 
 These are either infants, of whom we have already spoken, or 
 tliose who are under guardianship under our State statutes, as 
 spendthrifts, drunkards, &c., or the insane. Generally these stat- 
 utes make such persons incapable of entering into contracts. (?<;) 
 if their guardians or trustees sign notes for them, affixing to 
 their names their office, as " A. B., guardian," they are neverthe- 
 
 (r) Cathell v. Goodwin, 1 Harris & G. 468. 
 (s) Richards v. Richards, 2 B. & Ad. 447. 
 (t) Jackson v. Parks, 10 Cush. 5.50 ; Sweat v. Hall, 8 Vt. 187. 
 (u) Draper v. Jackson, 16 Mass. 480. 
 (v) Byles on Bills, 6th ed., p. 51. 
 
 («') Smith (). Spooncr, 3 Pick. 229 ; Manson v. Felton, 13 Pick. 206. See Chew v. 
 Bank of Baltimore, 14 Md. 299. 
 8*
 
 90 NOTES AND BILLS [CH. V 
 
 less held personally. (.-c) One reason is, that the note would oth- 
 erwise be inoperative, as the guardian cannot bind by such an 
 instrument the person or the property of his ward. Another is, 
 that it is still the promise of the signer, and the name of his 
 office is but a part of his description. Undoubtedly he may 
 secure himself from personal liability by saying that he promises 
 to pay out of the ward's estate, and only if that be sufficient. 
 But such an instrument would not be a regular promissory note. 
 In a late case, where the guardian sold property of minors, and 
 took notes payable to his order as guardian, it was held that an 
 indorsement by him passed the title to a person who received for 
 value and in good faith, the words guardian, &c. being merely 
 words of description. (^) 
 
 SECTION lY. 
 
 OF AGENTS. 
 
 A MAN may do by his agent whatever he can do himself, and 
 his agent can do for him.(2r) And any person can be the agent 
 of another, who is physically and mentally capable of executing 
 the agency. At least the common personal disabilities do not 
 
 {x) In Thacher v. Dinsmore, 5 Mass. 299, where one gave a negotiable note, as guar- 
 dian to an insane person, it was held, that lie was liable in his individual capacity, after 
 his guanliansiiip was discharged Parsons, C. J. said : "If an action is maintainable 
 against any person, it must be the defendant ; for the guardian of an insane person can- 
 not make his ward liable to an action as on his own contract, by any promise ■which the 
 guardian can make. Neither can the defendant be sued in his capacity of guardian, 
 80 as to make the estate of his ward liable to be taken in execution ; for the judgment 
 is not against the goods and estate of the ward in his hands, but against himself. A 
 creditor may sue the insane person, who shall be defended by his guardian, and in that 
 case, judgment being against the insane person, it may be satisfied by his projierty. 
 The defendant's description of himself in tlie notes as guardian cannot vary the form 
 of tlie action ; but it is fn- his own benefit, that, on payment of the notes, he may not 
 b(; prccludid from charging the moneys jiaid to the account of his ward. If the defend- 
 ant, ilii;rcf(jre, was ever liable to this suit, he must continue liable, notwithstanding the 
 discharge of liie guardianshi|) ; for by that the plaintiff's rights cannot be affected, 
 whose claim is on tlietleferidant personally, and not on his official character." Forster 
 V. Fidler, r> Mass. .58, and Robertsons v. Banks, 1 Smedes & M. G66, are to the same 
 effcict. See iinlc p. .'Jlj. 
 
 {y) Tiiorntim v. llunkin, 19 Misso. 193. 
 
 (z) Combcs's CoHe, 9 Kep. 7.'j.
 
 CH. v.] AGENTS. 91 
 
 incapacitate one from acting as agent, as infancy or coverture. (a) 
 Nor is any particular form or mode of appointment necessary, 
 nor any especial way of executing the agency, other than that 
 which tlie authority itself designates. 
 
 It seems formerly to have been held, that only the formal exe- 
 cution of an instrument in the name of the principal by the 
 agent, sufficed. And this is still the more correct way. A, be- 
 ing the agent of B, should sign any paper which he executes as 
 B's paper, " B by A," and not " A for B." In the first case the 
 execution is B's, by his instrument A ; in the other it is A's, for 
 his employer B ; or in other words, the technical rule was, that 
 in the first case it was B's promise by A, and in the latter, A's 
 promise made at the request of B. Now, however, it seems to 
 be well settled, that the actual intent of the parties, if it is ob- 
 vious and certain, prevails over this distinction, and determines 
 whether the act was that of the principal or of the agent. (6) 
 
 It seems to be common among commercial men, at least in 
 England, for an agent, as A, to sign "A by procuration of B," 
 where B is the principal. But this is inaccurate ; for it might 
 import that B was the agent, signing by procuration for A the 
 principal, (c) 
 
 It has been doubted whether a note, executed by an agent by 
 signing the name of the principal merely, without adding any- 
 thing to indicate that the signature was by an agent, would be 
 binding on the principal, (c?) Undoubtedly there are grave ob- 
 
 (a) Co. Litt. .52 a. 
 
 (b) See 1 Parsons on Cont. 47, note x. 
 
 (c) See note to Davidson v. Stanley, 2 Man. & G. 721. 
 
 (d) Wood V. Goodridge, 6 Gush. 117. This was the case of a mortgage deed and 
 note made under a power of attorney under seal, by simply signing the name of the 
 principal opposite to a seal in the case of the deed, and in the case of the note by 
 simply writing the principal's name at the foot. It was not necessary to decide tho 
 point, the court being of opinion that the power, though very general in its terms, did 
 not confer autliority to mortgage, nor to borrow money and bind the principal by a 
 promissory note. But the question of the manner of execution was much considered, 
 and upon that point Fletcher, J. said : " It should appear upon the face of the instra- 
 ments that they were executed by the attorney, and in virtue of the authority delegated 
 to him for this pur|)Ose. It is not enough that an attorney in fact has authority, but it 
 nmst appear by the instruments themselves, which he executes, that he intends to exe- 
 cute this authority. The instruments should be made by the attorney, expressly as 
 such attorney ; and the exercise of his delegated authority should be distinctly avowed 
 upon the instruments themselves. Whatever may be the secret intent and purpose of 
 the attorner or whatever may be his oral declaration or profession at the time, he does
 
 92 NOTES AND BILLS. [CH. V. 
 
 jections to such a mode of execution, and it ought never to be 
 adopted ; but still we think it would be valid, and the agent's 
 authority might be shown by parol. (e) 
 
 It is conceded, that if the name of the principal is signed by 
 an agent in the presence of the principal and by his direction, 
 this will be sufficient to bind the principal, though there be noth- 
 ing on the face of the note to show the agency. (/) 
 
 If the agent sign the note with his own name alone, and there 
 is nothing on the face of the note to show that he was acting as 
 agent, he will be personally liable on the note, and the principal 
 will not be liable. (g-) And although it could be proved that the 
 agency was disclosed to the payee when the note was made, and 
 that it was the understanding of all parties that the principal, 
 
 not in fact execute the instruments as attorney, and in the exercise of his power as 
 attorney, unless it is so expressed in the instruments. The instruments must speak for 
 themselves. Though the attorney should intend a deed to be the deed of his principal, 
 yet it will not be the deed of the principal, unless the instrument purports on its face 
 to be his deed. The authority given clearly is, that the attorney shall execute the deed 
 as attorney, but in the name of the principal." Sec ante, p. 80, note g ; 1 Parsons on 
 Cont 96, note gg. 
 
 {e} This appears to have been regjardcd as clear in several cases, which have never 
 been questioned. Thus, in Neal v. Erving, 1 Esp. 61 , it was held, that where one person 
 subscribed a policy of insurance with the name of another, proof of his having done it 
 in many instances is sufficient to charge him whose name is so subscribed, without pro- 
 ducing any power of attorney. So also, in Watkins v- Vince, 2 Stark. 368, it was held, 
 that evidence that the son of the defendant had, in three or four instances, signed bills 
 of exchange for his father, is sufficient, in an action aft;ainst the father on a guaranty, 
 to warrant the reading of an instrument purporting to be a guaranty by the fr.tiier in 
 the handwriting of the son. And see Llewellyn i'. Winckworth, 13 M. & W. 598; 
 Cash V. Taylor, Lloyd &, W. Merc. Cas. 178 ; Barber v. Gingell, 3 Esp. 60 ; Brighara 
 V. Peters, 1 Gray, 139. It may be added, that Sergeant Maiming (a very high author- 
 ity), speaking of the manner in which an agiuit should sign, says : " The proper mode 
 of signing by procuration is, either to use the name of the principal only, or to sign, 
 ' A. B. (the i)rincipal), by, or by the ))rocuration of, C D. (the agent).' " See the note 
 to Davidson v. Stanley, 2 Man. & G. 721. 
 
 ( f) This was decided in Morse v. Green, 13 N. H. 32. And the rule is there stated 
 in general terms, that if the defendant have authorized another to subscribe his invme tO 
 a note, th(! fact that the signature was placed there by an agent need not appear on the 
 face of the note ; and parol evidence is admissible to prove that the name of a person 
 who Hi)pears to be one of tlie makers of a note was not written by him, but by another 
 person by his dinietion ; as such evidence neither limits nor enlarges the terms of the 
 contract. Anrl see Wood i^. Goodridj^'C, sitjirn ; Haven v. Ilobbs, 1 Vt. 238. 
 
 (7) There is an ajiparent (liut only apf)arent) exception to this rule, when the prin- 
 cipal carries on business in the nam(> of an agent. In that c;ise, the nameof tlie agent 
 is the name of th<; \)t\w\\n\\, pro hue rU.e . Bank of Itoehester v. MonMiath, I Denio, 
 402.
 
 CH. v.] AGENTS. 93 
 
 and not the agent, should be held, this will not generally be suflfi* 
 cient, either to discharge the agent, or to render the principal 
 liable on the note.{h) But the principal will be liable, under 
 such circumstances, on the original consideration for which the 
 note was given, (t) And there may be cases in which the agent 
 
 (h) See 1 Parsons on Cont. 48, note a. This principle was established upon much 
 consideration in the leading case of Stackpole v. Arnold, 11 Mass. 27. That was an 
 action against the defendant as maker of three pi'omissory notes. The notes were 
 signed by another person in his own name, and there was nothing on the face of them 
 to indicate any agency, or that the defendant had any connection with them. At the 
 trial, the person who signed the notes testified that they were given for premiums upon 
 policies of insurance procured by him in the office kept by the plaintiff, at the request 
 and for the use of the defendant, on property belonging to him ; and that the witness 
 acted merely as the factor of the defendant, and intended to bind him by the premium 
 notes. Tiie judge instrncted the jury, that, " if they believed the notes to have been 
 made and signed for and in behalf of the defendant, their verdict ought to be for tho 
 plaintiff." It was held, that the evidence was improperly admitted, and the instruction 
 was erroneous. The same principle was reaffirmed in Bedford Com. Ins. Co. v. Co- 
 veil, 8 Met. 442, and Taber n. Cannon, 8 Met. 4.56, though the facts in these cases were 
 not so strong. In Bedford Com. Ins. Co. v. Covell, the plaintiffs, on the application 
 of S., who was C.'s agent, caused " S. for C. to be insured on ship G.," and S. gave 
 the plaintiffs a promissoiy note for the premium, signed by himself alone, without 
 mentioning his agency, and cliarged the premium in account witli C, and had it al- 
 lowed. S. was afterwards declared bankrupt, and the plaintiffs proved their note as a 
 claim against him, and received a dividend upon it. Held, that the plaintiffs could not 
 maintain an action against C. to i-ecover the balance of the note. In Taber v. Cannon, 
 A, who was authorized, as agent, by the owners of a whale-ship, to fit her for sea and 
 purchase supplies for her voyage, bought the supplies of B ; B drew a bill of exchange 
 for the amount of the supplies, payable to his own order, and addressed " to the agent 
 and owners " of the ship. A accepted the bill by writing his name thereon, witnout 
 any addition indicating his agency. Held, in a suit by an indorsee of the bill against 
 the owners of the ship as acceptors, that, admitting the authority of A to bind them 
 by accepting for them as their agent, yet he had not bound them by the acceptance 
 as made, and that he alone was liable as acceptor. The same rule is well settled 
 in England. Thus, in Thomas v. Bishop, 2 Stra 9.55, a bill was drawn upon the 
 defendant, as " Cashier of the York Buildings Company." The defendant accepted 
 the bill by simply writing his own name. It was held, that he was liable as acceptor. 
 The court said : "A bill of exchange is a contract by the custom of merchants, and 
 the whole of that contract must appear in writing. Now here is nothing in writing to 
 bind the company, nor can any action be maintained against them upon the bill; for 
 the addition of cashier to the defendant's name is only to denote the person with more 
 certainty." See Shelton v. Darling, 2 Conn. 435, and post^ p. 102, note b. 
 
 (i) Pentz V. Stanton, 10 Wend. 271 ; Emerson v. Providence Hat Manuf Co., 12 
 Mass. 2.37; Melledge v. Boston Iron Co., 5 Cush. 158. But where a party, dealing 
 with an agent, takes his promissory note, with a full knowledge of his agency and of 
 the liability of the principal for the debt for which the note is given, he tliereby dis- 
 charges tho principal ; so that he cannot maintain an action against him for the origi- 
 nal debt. Paige v. Stone, 10 Met. 160; Hyde v. Paige, 9 Barb. 150; Ranken i;. 
 Deforest, 18 Barb. 143.
 
 94 NOTES AND BILLS. [CIL V. 
 
 would not be personally liable on the bill or note, tliougli there 
 should be nothing on the face of the instrument to indicate the 
 agency. Thus, if an agent, in the execution of his agency, in- 
 curs a debt on behalf of his principal, and draws upon liis prin- 
 cipal a bill for the amount thereof, in favor of the creditor, it has 
 been held, that the agent will not be liable on the bill, if it was 
 the understanding of the parties that he acted as agent merely, 
 and did not intend to make the debt liis own. The principal ob- 
 ject of drawing the bill, in such case, is to certify to the princi- 
 pal the amount due the creditor ; and the agent may, it seems, 
 defend on the ground of a want of consideration. (/) Of course this 
 will not apply to an action by a subsequent hona fide holder with- 
 out notice. And if an agent draws a bill on a third person in his 
 own name, but there is sufficient on the face of the instrument 
 to inform the drawee that he is to pay the amount on account 
 of the principal, and not on account of the drawer, the drawee, 
 having paid the bill, will not be entitled to maintain an action for 
 money paid against the agent. Thus, where the agent of the 
 owners of a steamboat drew a bill in his own name, and directed 
 the drawee to charge the amount " to account of steamer Walter 
 Scott," it was held that the agency of the drawer was apparent 
 on the face of the bill, in consequence of this direction, which 
 negatived the idea that he was to be personally bound. (/t) 
 
 It has indeed been held, that whenever it is doubtful from the 
 face of a bill or note whether it was intended to operate as the 
 personal engagement of the party signing it, or to impose an ob- 
 ligation upon some third person as his principal, parol evidence 
 is admissible to show the true nature of the transaction. (/) The 
 
 {j) Roberts V. Austin, 5 Whart. 313, 2 Miles, 2.54 ; Krumbhaar v. Ludelin<i, 3 Mart. 
 La. 640; Wolfe i;. Jewett, 10 La. 383 ; Lincoln v. Smitli, 11 La. 11. But see May- 
 hew V. Prince, 11 Mass. .54 ; Ncwhall v. Dnnlnp, 14 Maine, 180; Sowerby i>. Butcher, 
 2 Cromp. & M. 368. In Hicks v. Ilinde, 9 Barb. 528, where an a^cnt drew a bill on his 
 principal for a flei>t due from the principal to the payee, addin<i the word " af;:ent " to 
 his signature, and the payee kn(!W that tlic drawer was authorized by his jirincipal to 
 draw the bill as his af,'ent, and it was the understanding of all parties that the drawer 
 8i(;ned only as ni,'cnt, and not with a view of l)in'Jiii<j himself; it was held, that the 
 drawer was nut lK■r^onally linbU; on the bill. And see infra, p. '.)(>, note n, 
 
 (k) Maher v, Overton, 'i La. 1 15. And see ne.-tt note. 
 
 (/) Kean v. Davis, 1 N. J. 683 ; Lazarus v. Shearer, 2 Ala. 718 ; Wetnmpka, &e. R. Co. 
 V. Bin^rham, 5 Ala 657 ; Mechanics' Hank )v Bank of rolumliia, .5 Wheat. 3'26; Owinps 
 i;. fJrubbs, 6 J. .]. Marxh. 31 ; Webb r. Burke, 5 B. iMon. '.1 ; Brockway v. Alien, 17 
 Wend 40 ; Karly v. Wilkinson, 9 Orat. 68. In the note to Uathbon i;. Budlony. Pent*
 
 en. v.] AGENTS. 95 
 
 cases, however, which have held this doctrine, are not entirely 
 agreed as to the principle on which it rests, nor do its limits ap- 
 pear to be well defined. Perhaps, as a general rule, it should be 
 received with some distrust. 
 
 If an agent make a note in his own name, and add to his sig- 
 nature the word " agent," but there is nothing on the note to 
 
 V. Stanton, &c., 1 Am. Lead Cas., p. 453 (p. 606 in the 3d ed.), the rule is stated thus : 
 " Where there is a doubt or ambiguity on the face of the instrument, as to whether the 
 person means to bind himself, or only to give an evidence of debt against an institution 
 or body, of which he is a representative, parol evidence is undoubtedly admissible; not, 
 indeed, to show the intention of the parties to the contract, but to prove extrinsic cir- 
 cumstances by which the respective liability of the principal and agent may be deter- 
 mined ; such as to which the consideration passed and credit was given, and whether 
 the agent had authority, and whether it was known to the party that he acted as agent. 
 The extent of the principle as to the admissibility of parol evidence appears to be this : 
 Where the names of both principal and agent appear on the instrument, and the con- 
 tract, though in the name of the agent, discloses a reference to the business of the 
 principal, so that the instrument, as it stands, is consistent with either view, of its being 
 the engagement of the principal or of the agent, parol evidence is admissible, in a suit 
 against the agent, to charge him, by showing either that credit was given to him, or 
 that he had not authority to bind the principal by that contract, which would create a 
 consideration for a liability on his part, or to discharge him by proving that the con- 
 sideration passed directly to his principal, as, that credit having been given to the prin- 
 cipal alone, the consideration of the note signed by him was an antecedent liability on 
 the part of the principal, and that the other party knew that he acted as agent, and 
 thus destroying all consideration for a liability on his part ; and in like manner, to 
 charge or discharge the principal by similar circumstances." Mechanics' Bank v. Bank 
 of Columbia, 5 Wheat. 326. In Eaton v. Bell, 5 B. & Aid. 34, where commissioners 
 under an enclosure act drew bills upon their bankers, requiring them to pay the sums 
 therein mentioned on account of the public drainage, and to place the same to their 
 account as commissioners ; it was he/d, that the commissioners were personally liable 
 to their bankers for the amount of the bills. But it seems that it might have been 
 otherwise, if the direction had been to place the same to the account of the enclosure. 
 Baifley, J. said : " The form of the draft is to pay A. B. or bearer, on account of the 
 public drainage. The persons, therefore, who signed that order, assert that the aioney 
 is to be applied to the purpose of the public drainage. The draft then goes on, ' and place 
 the same to our account as commissioners of the enclosure act.' Therefore the money 
 is to be placed to their debit in the account which they have as commissioners. It does 
 not say, 'place the same to the account of the enclosure,' but ' to our account as com- 
 missioners.' Now the defendants must have known what they had collected, and what 
 means they had of collecting more ; and they ought to have taken care, before they 
 drew drafts, that they had money to reimburse the persons who advanced money on 
 those drafts." In FiUler v. Hooper, 3 Gray, 334, it was held, that a bill of exchange, 
 stamped in the margin, " Pompton Iron Works," and concluding thus, " Which place 
 to account of Pompton Iron Works, W. Burtt, Agent," purported on its face to be the 
 bill of the Pompton Iron Works, and was binding on the person carrying on the manu- 
 facture of iron in that name, if Burtt was his authorized agent. And see Tripp v. 
 Swanzey Paper Co., 13 Pick. 291. A bill drawn on steamer C. W. D., and accepted, 
 " C. W. D." by A. B.. agent, was held to bind the owners of the steamer, in Alubania 
 Co. (;. Brainard, 35 Alnb. 476.
 
 96 NOTES AND BILLS. [CH. V 
 
 indicate who is the principal, the agent will be personally liable, 
 just as if the word agent were not added. (w) It has, howeA'er, 
 been held that an indorsement in this form will not render the 
 agent liable as an indorser, because it will be considered as in- 
 tended only to pass the property in the paper, and therefore as 
 equivalent to an indorsement " without recourse." (w) 
 
 (m) Pentz v. Stanton, 10 Wend. 271 ; Savage v. Rix, 9 N. H. 263 ; Thurston v 
 Mauro, 1 Greene, 231. 
 
 (n) Mott V. Hicks, 1 Cowen, 513. Accordingly, in Babcock v. Beman, 1 Kern. 200, 
 where a note was payable to the order of " R. Beman, Treas.," and he, being the 
 treasurer of a corporation with authority as such to receive and transfer the note, in 
 dorsed it, " R. Beman, Treasurer," and delivered it to the plaintiffs, who received it 
 on account of a debt due them from the corporation, with notice of the capacity in 
 which Beman acted ; it was heJd, that he was not individually liable as indorser of the 
 note. Denio, J. said : " The question is, whether this was a qualified indorsement, pass- 
 ing, as it clearly did, the interest in the note, but without any other contract on the 
 part of the defendant. This question was decided against the plaintiffs, in the Supreme 
 Court, more than thirty years ago, and has since been acquiesced in by the profession, 
 and I have no doubt has been extensively acted on by business men. In Mott v. 
 Hicks, 1 Cowen, 513, the only material question was, whether a witness named House- 
 man was competent to testify, he having been objected to on the ground of interest. 
 He had indorsed a note made by a manufacturing corporation, payable to liis order, 
 adding to his name the word agent. His name as payee in the note had no addition 
 annexed to it, but it was proved that the plaintiff was privy to the consideration 
 upon which it was given and indorsed ; and that consideration was a debt due from 
 the corporation. If Houseman was personally liable on this indorsement, he was 
 interested, and incompetent as a witness ; otherwise he was not. The court held, that 
 it was a qualified indorsement, operating as a transfer of tlie note, but not contain- 
 ing a contract to pay. Chief Justice Snvarje dissented, on the ground that it had 
 not been proved, except by Houseman himself, that he was agent of the company, and 
 that the note was payable to him individually. In these two particulars, the situation 
 of this defendant is more favorable than that of Houseman. It has been lidd, that an 
 indorsement of a note to the cashier of a moneyed corporation, by adding the word 
 cashier to his name in the indorsement, is a transfer to the corporation, where that was 
 the design of the transaction. (Watervliet Bank v. White, 1 Denio, 608.) So this 
 note, before the indorsement, may be considered as having been the property of the 
 manufacturing corporation, it being substantially averred that such was the nature and 
 intent of the transaction upon which it was given. The case of Mott v. Hicks is there- 
 fore a direct adjudication upon this very point, by the highest court of original jurisdic- 
 tion in this State; and it has been acquiesced in and regarded as the law for a great 
 length of time. The question was in the highest degree practical, and of more fre- 
 quent occnrrenco tlian almost any other. It moreover related to commercial paper, in 
 rcHpect to which it is of the utmost im]iortaiic(! tliat the decisions of the courts should 
 be stable, so that they may be relied on with confidence by the community. We should 
 be, therefore, most reluctant to dc[mrt from the principle of the case, even could it be 
 successfully qucstionc^d as not in harmony with legal analogies or antecedent cases. 
 We think, however, it is not subject to any such criticism. It has been followed in 
 principle \n Brockway v. Allen, 17 Wend. 40, and in Hicks r. Ilinde, 9 Baih ,')2fe
 
 CH. v.] AGENTS. 97 
 
 If an agent of an incorporated company make a note, be- 
 ginning, " I promise," &c., and sign it, "A. B., agent of 
 
 com{)any," we should say, that the company, not the agent, 
 will be liable on the note.(o) And the same rule applies, a for- 
 
 aud has not beeu questioned, so far as we know, by any case" And see Collins v. 
 Jolinson, 16 Ga. 458. See also, supra, p. 94, note y. 
 
 (o) Despatch Line of Packets v. Bellamy Manuf. Co., 12 N. H. 205 ; McCall v. Clay- 
 ton, Busbce, 422 ; Proctor v. Webber, 1 D. Chip 371 ; Roberts v. Button, 14 Vt. 195 , 
 Shelton v. Darling, 2 Conn. 435 ; Johnson v. Smithy 21 Conn. 627. In Hovey i\ Ma- 
 gill, 2 Conn. 680, where the defendant, being the agent of a corporation, gave a note in 
 the form stated in the text. Swift, C. J. said : " When an agent duly authorized sub- 
 scribes an engagement, in such manner as to manifest an intent not to bind himself, 
 but to bind the principal ; and when, by his subscription, he has actually bound the 
 principal, then it is clear that the contract cannot be binding on him personally. It 
 will be agreed that no precise form of words is required to be used in the signature; 
 that every word must have an effect, if. possible ; and that the intention must be col- 
 lected from the whole instrument taken together. Who can entertain a doubt, upon 
 reading the note in question, that it was the intent of the defendant to bind the com- 
 pany, and not himself? It is, however, said, that he has made use of the expression 
 ' I promise,' wliich is, in terms, a personal undertaking ; but he has qualified it by add- 
 ing liis character of agent, which unequivocally shows that he did not mean to bind 
 himself Again, it is said, he might have added this merely to distinguish the company 
 from his private concerns. This is a far-fetched supposition indeed. If such had been 
 the object, it could much more effectually have been answered by a proper mode of 
 keeping his accounts. I can see no good reason for the addition of ' agent,' but to ren- 
 der the note obligatory on the company, and exclude all idea of individual liability. 
 This is the plain language of the transaction ; and we ought to give it the obvious mean- 
 ing, and not entrap men by the mere form of words. This mode of signing the note 
 will fairly admit of this construction : I, as agent of the company, pledge their credit, 
 or give their promise, to pay the note ; or, the company by me as their agent, promise 
 to pay it. But if we consider the word agent as merely df.scnptio personce, we give it no 
 operation, and really expunge it from the writing. We are bound, however, to give ef- 
 fect to every word, if possible; and the only way to give this word any effect is, to 
 make the note binding on the company." But see Macbean v. Morrison, 1 A. K. Marsh. 
 545 ; Kean v. Davis, 1 N. J. 683, 1 Spencer, 425 ; Wyman v. Gray, 7 Harris & J 409 ; 
 Hills V. Bannister, 8 Cowen, 31 ; Brockway v. Allen, 17 Wend. 40, Rathbon v. Bud- 
 long, 15 Johns. 1 ; Barker v. Mechanic Ins. Co., 3 Wend. 94. In Mare v. Charles, 5 
 Ellis & B. 978, an order to pay to the drawer's order at three months after date a sum 
 of money " for value received in machinery supplied tlie adventurers in H. mines," was 
 directed " to J\Ir. W. C." W. C. wrote upon it, " Accepted for the company, W. C, 
 Purser." Held, that this made W. C. personally liable as acceptor of the bill. But 
 this decision proceeded upon the ground, that, the bill having been directed to W. C. 
 alone, the company could not be bound by his acceptance. Lord Campbell said : " The 
 bill is drawn on the defendant as an individual ; it is addressed 'to Mr. W. Charles.' 
 It is true, it is stated to be drawn for value supplied to the adventurers in a mining 
 company ; but it is drawn on Charles as an individual. He writes upon it, 'Accepted 
 ibr the company ' ; and he signs this ' William Charles, Purser.' If the words of an 
 instrument will reasonably bear an interpretation making it valid, we must not construe 
 them so as to make it void. Beniynce. faciendce sunt interprelationes, ut res magis valeat 
 
 Vol. I.— G
 
 98 NOTES AND BILLS. * [CH. V. 
 
 tiori, to the case of public officers or agents appointed to dis- 
 charge public trusts and duties. (jo) Whether a note made in the 
 same form, by the duly authorized agent of a private person, 
 would be the note of the principal, or of the agent, is not so cer- 
 
 quam pereat; el verba inieniioni, non e contra, debent inservire. If a bill be drawn on me, 
 I must accept it so as to make myself personally liable, or not at all ; for no one but 
 the drawee can accept. I think, therefore, that when a drawee accepts a bill, unless 
 there be on the face of the bill a distinct disclaimer of personal liability, he must be 
 taken to accept personally. In the present case, the acceptance is not per proc. the 
 company. If it were, perhaps that might have some weight as amounting to such an 
 absolute disclaimer of personal liability. It appears on the face of the bill that it is 
 drawn on account of a debt of the company ; it is very likely that the drawee accepted 
 on account of the company, and on an engagement from them that they would keep 
 him in funds to meet the bills. In that case he may well be said to accept for the com- 
 pany ; but then it is an acceptance making himself personally liable." Coleridge, J. : 
 " The bill was addressed to the defendant, and no one else could accept it. He wrote 
 upon it, ' Accepted,' and signed his name. He now says, in effect, that it was not ac- 
 cepted at all, and that what he wrote amounted to a refusal to accept ; and this he says 
 is the effect of the words ' for the company.' The question then is, Are we to construe 
 this ut res magis pereat, as not an acceptance ? No ; we must construe it, ut res magis 
 valeat ; and, as my lord has pointed out, it is easy so to consti'ue it." Wightman, J. : 
 " The bill is drawn on the defendant for value received by a company. The defendant 
 accepts it, adding to the word accepted, ' for the company.' He may have accepted it 
 on their account, and relying on their liability to him ; but, whatever was his motive, 
 he accepted it, and cannot now ask us to construe the acceptance so as to be inopera- 
 tive. Unless he accepted the bill, dra^vn upon himself personally, in the sense that he 
 rendered himself personally liable, he did not accept it at all ; on any other construc- 
 tion, what he wrote on the bill must have amounted to a refusal to accept it. But it is 
 clear that he did intend that the bill should not be dishonored, but accepted ; and 
 we must construe what he has written, ut res magis valeat." See Shelton v. Darling, 2 
 Conn. 435. And see Nicholls v. Diamond, 9 Exch. 154. So in Rcw v Pettct, 1 A. & 
 E. 196, where a parish vestry resolved to borrow money from H. N., who advanced it, 
 and took promissory notes for the amount, made by the defendants, who were church- 
 wardens and overseers, and who added to their signatures the titles of their respective 
 offices ; it was Iield, that the defendants were personally liable. But this also was upon 
 the ground that the parish could not be bound ; and that, unless the defendants were 
 held personally, the note must be treated as waste paper. See further. Chick v. Tre- 
 vctt, 20 Maine, 462 ; Fogg v. Virgin, 19 Maine, 352 ; Pomcroy v Shide, 16 Vt. 220. 
 In Bradlec v. Boston Glass Co., 16 Pick. 347, a note was given in this form : '■ For 
 value rcfcived, wc, the subscribers, jointly and severally, promise. &c , for the Boston 
 Glass Marmfactory." It was signed by H., G., and K., without annexing to their 
 names any words designating a connection with the corporation ; but it was entered in 
 the notebook of the corporation as a note du(; from the corporation, and the interest 
 thereon was atumally paid by them. It was held, that it was the note of the individuals 
 by whom it was signed, and that it did not bind the corporation. Shaw, C. J. said: 
 "As the forms of words in which contracts iniiy be made and executed are almost in- 
 
 ip) Jonos V. LcToinbe, 3 Dallas, 384 ; Tutt v. Hobbs, 17 Misso. 48r ^ Fox v. Drake, 
 ft Co wen, 191.
 
 CH. v.] AGENTS. 99 
 
 tain. We think, however, it would be the note of the princi- 
 pal. (^) If such an agent give a note, beginning, *' I promise," 
 &c., and signed " A, for B," it has been decided, in several cases," 
 that this is the note of the principal, and not of the agent. (r) 
 
 finitely various, tlie test question is, whether the person signing professes and intends to 
 bind himself, and adds the name of another to indicate the capacity or trust in which 
 he acts, or the person for whose account his promise is made; or whether the words 
 referring to a principal are intended to indicate that he does a mere ministerial act, in 
 giving effect and authenticity to the act, promise, and contract of another. Does the 
 person signing apply the executing hand as the instrument of another, or the promising 
 
 and engaging mind of a contracting party ? The words ' for the Boston Glass 
 
 Manufactory,' if they stood alone, would perhaps leave it doubtful and ambiguous, 
 whether they meant to bind themselves as promisors to pay the debt of the company, 
 or whether they meant to sign a contract for the company, by which they should be 
 bound to pay their own debt; though the place in which the words are introduced 
 would rather seem to warrant the former construction. But other considerations arise 
 ft-om other views of the whole tenor of the note. The fact is of importance, that it is 
 signed by three instead of one, and with no designation or name of office indicating 
 any agency or connection with the companj'. Ko indication appears on the note itself, 
 that either of them was president, treasurer, or director, or that they were a committee 
 to act for the company. But the words 'jointly and severally ' are quite decisive. The 
 persons are ' we, the subscribers,' and it is signed Jonathan Hunnewell, Samuel Gore, 
 and Charles F. Kupfer. This word ' severally ' must have its effect ; and its legal ef- 
 fect was to bind each of the signers. This fixes the undertaking as a personal one. It 
 would be a forced and wholly untenable construction to hold that the company and 
 signers were all bound ; this would be equally inconsistent with the terms and the ob- 
 vious meaning of the contract." See Trask v. Roberts, 1 B. Mon. 201 ; Emerson v. 
 Providence Hat Mannf. Co., 1 2 Mass. 2.37 ; Mann v. Chandler, 9 Mass. 335 ; Packard v. 
 Nye, 2 Met, 47 ; Shotwell v. M'Kown, 2 South. 828. In Fiske v. Eldridge, 12 Gray, 474, 
 a promissory note in these words, " One 3ear after date I promise to pay to the order of 
 myself $522, value received," and signed "J. S., Trustee of the Sullivan l^iilroad," and 
 indorsed "J. S., Trustee," was lield to bind J. S. personally. A note, "I as Treasurer 
 of the Congregational Society, or my successors in office, promise to pay," signed 
 " S. R., Treasurer," binds the Society. Barlow v. Congregational Society, 8 Allen, 400. 
 
 (q) It was so decided in Ballou v. Talbot, 16 Mass. 461. 
 
 (r) Long V. Colburn, 11 Mass. 97 ; Frost v. Wood, 2 Conn. 23; Robertson v. Pope, 
 1 Rich. 501 (overruling Fash v. Ross, 2 Hill, S. Car. 294 ; Taylor v. McLean, 1 Mc- 
 Mullan, 352; Moore v. Cooper, 1 Speers, 87). But see, contra, Offutt v. Ayres, 7 
 T. B. Mon. 356 ; Musgrove v. Mcllroy, 5 J. J. Marsh. 646 ; Garrison v. Combs, 7 J J. 
 Marsh. 84. In Cook v. Sanford, 3 Dana, 237, the note began, " We promise," &c., 
 and was signed, " A, for B & Co." Held, that A was not personally liable In Karly 
 V. Wilkinson, 9 Grat. 68, the note began, " I promise," &c., and was signed, '■ Robert 
 H. Early [for Samuel H. Early].' Held, that the note upon its face was binding upon 
 Robert H. Early personally. Otherwise, if the name of Samuel H. Early had not been 
 enclosed in brackets. In Rice r. Gove, 22 Pick. 158, an action was brought against 
 the defendant on a note beginning, "For value received, we jointly and severally 
 promise to pay," &c., and signed, '• Patton & Johnson, for Ira Gove." The plaintiff 
 having proved that P. & J. were authorized to give notes. as the agents of the defend- 
 ant, the court held, that this must be construed as the note of the defendant. Dewey, J. 
 said : " The only doubt in the present case arises from the introduction of the words 
 'jointly and severally ' in the notes. These words, it is said, indicate a personal prom-
 
 ^^P^^<n^ 
 
 100 NOTES AKD BILLS. [CH. V 
 
 Tlitro is no especial mode, recognized by law, of giving au- 
 Ihority to make or accept or indorse negotiable paper. It may 
 1)6 given by parol. It may be inferred from the course of busi- 
 ness and employment ; and from the fact that similar transac- 
 tions have been repeatedly recognized by the principal as done 
 by his authority. Such presumptions frequently arise in refer- 
 ence, to the acts of a wife, a servant, a son, or a clerk. A jury 
 would not be warranted in drawing this conclusion from one or 
 two instances of such recognition ; but only from such and so 
 many as would make the belief of such autliority strong and 
 reasonable. (5) 
 
 The question of authority, or of evidence of authority, so far 
 as it relates to the obligation of the principal, must always be de- 
 termined by the principles which lie at the foundation of the law 
 of agency ; namely, that a person is bound by the acts of another 
 
 ise l)y Tatton & Johnson, and can have no pioper application to a promise l>y tl;e 
 defenchint alone. If there were not other wonls in tlie contiuict indicating inoie 
 stronj^ly the purpose to bind the defendant tiian these do the contrary desion, pcrliaps 
 the words 'jointly and severally ' should control the construction to be given to these 
 notes. But we think that it may be fairly urged, that the form of the signature of 
 these notes so clearly manifests the purpose to be the execution of a contract binding 
 solely upon the defendant, that, if either is to be rejected as surplusage and of no effect, 
 it should be the words "jointly and severally.' The case of Bradlee v. Boston Glass 
 Company, 16 Pick. 347, is supposed, by the counsel for the defendant, to bear strongly 
 upon the question. It does so upon the effect to be given to the words 'jointly and 
 severally,' as used in the body of these notes ; but upon a particular examination of the 
 facts of that case, it will be seen that the signatures to that contract were by the indi- 
 vidual names of those who were alleged to have acted as agents, and were accompanied 
 with no designation of any agency annexed to their names, the only reference to any 
 Buch agency being found, if anywhere, in the body of the notes." 
 
 (s) In Prescott v. Flinn, 9 Biiig. 19, where it appeared that the defendants' confiden- 
 tial clerk had been accustomed to draw checks for them ; that in one instance, at least, 
 they had authorized him to indorse ; and in two other instances had received money 
 obraitR'd by his indorsements in their name ; it was htld, that a jury was warranted iu 
 inferring that the clerk had a general authority to indorse. And see Trundy v. Farrar, 
 .'{2 Maine, 22."). In Valentine v. Packer, 5 Pcnn. State, 33.3, in an action on a note of 
 a firm, conducting iron-works, signed by one T., it was shown that T. was the son of 
 one member of the firm and nephew of two others ; that he was their bookkeeper and 
 manager at the time the note was given ; that it was not customary for clerks to give 
 notes, though one witness knew of its being done by T. JIcUl, that this cviden(^e was 
 HiifTicierit to entitle the plaintiff to read the note to the jury. In Paige v. Stone, 10 Met. 
 IfiO, in a suit against two principals on a negotiable note, of which they had no knowl- 
 edge before action brought, given in their names by their agent, who had no express 
 authority, nor any authority by necessary implication from the nature of his business, 
 to give such note; it was Mil, that evidence of the agent's having given two similar 
 notes, to the first of which one only of the principals afterwards assented, and the last 
 of which, for a small sum, the principals directed to be settled after they were sued 
 upon it, was not snnicient to j)rove the autliority of the agent to bind them by the third 
 note. Sec Odiorne v. Maxcv, 13 .Mass. 178. 15 Mass 39.
 
 CH. v.] AGENTS. 101 
 
 as his agent, if, in the first place, he has actually authorized the 
 act, or if, in tlie second place, he has authorized those with whom 
 the agent dealt on his behalf to believe, as fair and reasonable 
 men, that the authority had been actually given. On tliis last 
 ground, where an acceptor's defence was, that the drawer had 
 forged the acceptor's signature, evidence that the defendant had 
 previously paid such acceptances was held to be proof of his au- 
 thority to the drawer to accept for him.(^) 
 
 A ratification of an act has, in general, the same effect as 
 a previous authority ; {u) and this ratification may be by parol 
 only. And it is an almost universal rule, tliat the ratification 
 must be made with a full knowledge on the part of the principal 
 of the facts atfecting his rights, (i;) And if a person does an act 
 purporting to act as agent for another, a third person cannot 
 afterwards adopt that act, and make the person who did it his 
 agent. (t^;) Nor will any ratification, however effectual to bind 
 the principal, discharge the liability of the agent, if he had not 
 authority to represent the principal when he did so. (a;) It is, 
 
 (0 Barber v. Gingell, 3 Esp. 60. In Cash v. Taylor, Lloyd & W. Merc. Cas. 178, 
 in an action against the acceptor of a bill of exchange, it appeared that the ac- 
 ceptance was not in the handwriting of the defendant himself, but in that of a brother- 
 in-law of his, named Alfred Tallent ; that other bills, accepted by Tallent in the 
 defendant's name, had been paid by him ; and that a letter had been written by the 
 defendant's authority, before the date of the bill sued upon, to the holder of another 
 similar bill, who was pressing the defendant for payment ; in which letter it was stated 
 that the defendant had long been in the habit of indorsing bills for Tallent, and that 
 he had given that person authority to act generally for him in his dealings with London 
 houses ; and that he, the defendant, would therefore of course take up tlie bill which 
 was the subject of the letter, if the holder enforced payment of it. But it also appeared 
 that the plaintiff had not had any communication with, or knowledge of, the defendant, 
 and was not aware that any other bills had been accepted for him by A. Tallent. It 
 was held, that the defendant was not liable. The court said : " The plaintiff knew 
 nothing of the letter given in evidence, or of the acceptance of similar bills for the 
 defendant by Tallent ; he did not, therefore, take the bill in question on the faith of 
 Tallent's authority to accept. That being so, he was bound to make out that Tallent 
 had either a general authority to accept, subsisting unrevoked at the time of this accept- 
 ance, or a particular authority to accept the bill in question. It is not contended that 
 there was any proof of the latter ; and the letter furnished no proof of a general au- 
 thority : it cannot be carried beyond the particular bill to which it referred." See 
 '^lewellyn v. Winck worth, 13 M. & W. 598. 
 
 (m) Bigelow'u. Denison, 23 Vt. 564. 
 
 (v) Nixon V. Palmer, 4 Seld. 398 ; Fletcher v. Dysart, 9 B. Mon. 413. 
 
 {w) See Wilson v. Tumman, 6 Man. & G. 236. 
 
 (x) Rossiter v. Rossiter, 8 Wend. 494. 
 9*
 
 J 02 NOTES AND BILLS. [CH. V. 
 
 however, generally true, that if the pruicipal is bound, the agent 
 is not.(2/) 
 
 It is a general rule, m regard to simple contracts, that parol 
 evidence may bo received to make unnamed principals liable, 
 or to gi\e them the benefit of the contract ; for this leaves 
 the actual party liable as before, and therefore cannot be con- 
 sidered as varying the contract. But such evidence cannot be 
 received to discharge the actual signer on the ground of his 
 agency, for this would be to vary the contract. (0) In reference 
 to negotiable paper, however, the rule, as we have seen, is 
 more strict. For parol evidence is not admissible, either to 
 discharge an actual signer, or to charge one whose name does 
 not appear on the instrument. (a) The reason for this is, that, 
 fi'om the nature and purpose of negotiable paper, no person 
 should be held as a party to it whose name is not written 
 upon it, as such paper ought to contain in itself all its own 
 evidence, and thus be independent of extrinsic proof. 
 
 One who puts liis name on negotiable paper will be liable 
 personally, as we have seen, although he acts as agent, unless 
 he says so, and says also who his principal is ; that is, unless 
 he uses some expression equivalent, to use Lord EUenhorous^h'' s 
 language, to " I am the mere scribe." For if the construction 
 may fairly be, that while he acts officially, or at the request 
 of others, or for the benefit of others, yet what he does is still 
 his own act, it will be so interpreted. Thus, if a bill direct 
 the proceeds to be placed " to the account of the Durham 
 Bank, as advised," (Z>) or where the drawee is called " cashier " 
 
 (y) Mann v. Cliandler, 9 Mass. 335 ; Shelton v. Darling, 2 Conn. 435. 
 
 {z) See 1 Parsons on Cont. 48, note a. 
 
 {(t) Sec stHprn, p. 93, note h ; per Metcalf, J., in Fuller v. Hooper, 3 Gr.ay, 334. 
 
 (/;) In Leadl)itter v. Farrow, 5 M. & S. 345, an agent of the Durliam Bank, to 
 whom the plaintiff sent a sum of money, in order to procure a bill upon London, 
 drew a hill in his own name for the amount, and sent it to the plaintiff; it was held, 
 tiiat the agent was liable as drawer, although the plaintiff knew that he was agent, 
 and supposed that the bill was drawn by him as such and on account of the Durham 
 Ba'ik, to which the agent paid over the money. Lord Ellenliorough niiid : " Is it net 
 an universal rule, that a man who puts his name to a iiill of exchange thereby 
 makes himself personally lialih', unless he states upon the face of the bill that he 
 Hubscribes it for another, or l)y procuration of another, wliicli are words of exeiu- 
 tiif)!! ? Unless he says plaitdy, ' I .'im tlie mere scril)c,' he becomes liable. Pow, 
 ;n the jjresent case, altliough the plaintiff knew the defendant to be agent to the 
 DurliMtii Rank, ln^ might not know but that he meant to oiler his own rc;<ponsil)ility.
 
 CH. V.J AGENTS. 103 
 
 of a certain company,' and direction is given that the money 
 be placed to the account of that company, and the bill is ac- 
 cepted by the drawee by direction of the company, the drawee 
 is still personally held.{c) Nor does it generally seem to make 
 any difference that the agency was actually known to the parties 
 who hold the agent liable. 
 
 The peculiar character of negotiable paper has induced courts 
 to enforce the liability of an agent somewliat strictly ; as if 
 a broker, who sells goods for an owner, draws on the buyer 
 in favor of the owner, if this bill be dishonored, it has been 
 held that the owner may sue the broker on it, as drawer •,{d) 
 and generally, it seems, an agent who draws in favor of his 
 principal, and directs the money to be put to the debit of his 
 principal, will nevertheless be held personally liable to his prin- 
 cipal, unless he protects himself by appropriate and definite 
 language, (e) 
 
 Eveiy person, it is to be presumed, who takes a bill of the drawer, expects that his 
 responsibility is to be pledj^ed to its beiu<j accepted. Giving fall effect to the circum- 
 stance that the plaintiff knew the defendant to be agent, still the defendant is liable, 
 like any other drawer who puts iiis name to a bill without denoting that he does it in 
 the character of procurator. The defendant has not so done, and therefore has made 
 himself liable. I do not say whether an action would lie against the Durham Bank, 
 because, considermg it in either way, it would not, as it seems to me, affect the liability 
 of the defendant." Holroijd, J. said : " I apprehend that no action would lie on the bill, 
 except against those who are the parties to it." In Sowerby v. Butcher, 2 Cromp. & 
 M. 368, a broker at N. shipped a cargo of coals, and drew a bill of exchange on the 
 consignees in favor of the vendors. The bill being returned by the drawees in conse- 
 quence of the shortness of the date, the vendors, by the direction of the broker, drew 
 another bill at a longer date. It was taken to the broker's counting-house for signature, 
 but the broker having left N. in consequence of embarrassments, the defendant, his 
 brotiier, who had come there to investigate his affairs, at the request of the vendors and 
 for their convenience, signed the second bill generally. Held, that he was personally 
 liable on the bill. It was objected for the defendant, that he did not profess to act, nor 
 could be treated, as an agent; and that the bill, as to him, was without consideration. 
 We tliink there was much force in the objection. See further, Beckham v. Drake, 9 
 M & W 79 ; Beckham v. Knight, 1 Man. & G. 738. 
 
 (c) Thomas v. Bishop, 2 Stra. 9.55. 
 
 {d) Le Fevre v. Lloyd, 5 Taunt. 749. In this case the court said : " The broker by 
 giving this bill put an end to all doubt as to the buyer's responsibility. The vendors, 
 upon receiving it, in consequence of their good opinion of Lloyd, dismiss from their 
 minds all care about the solvency of the purchaser." 
 
 (e) In Goupy v. Harden, 7 Taunt. 159, it was held that an agent purchasing for- 
 eign bills for his principal, and indorsing them to him, without qualification, is liable 
 to his principal on his indorsement, however small be the commission which he gets 
 upon the purchase And Dallas, J. said: "The defendants might have specially
 
 104 NOTES AND BILLS. [CH V, 
 
 It should be remarked, however, that 'the soundness of these 
 decisions has been questioned, and it would seem with some 
 reason. Mr. Chitty says : " These decisions, subjecting an agent 
 to personal liability, as regards third persons, ignorant of the 
 circumstances under which the agent became a party, are 
 consistent with the other principles of law applicable to these 
 instruments. But it seems questionable whether even at law 
 it is correct to allow an employer to recover from his agent 
 under such circumstances, because in general, between original 
 parties, it may be shown as a good defence at law, that the 
 bill was drawn, accepted, or indorsed for the plaintiff's accom- 
 modation, or for a purpose or consideration which has failed 
 or been satisfied ; and to allow such a prhicipal to recover at 
 law against his agent, is only to compel the latter to resort 
 to a court of equity for relief, which might just as well be 
 afforded at law, and a court of equity will certainly afford 
 relief." {/) This reasoning has been adopted in Pennsylvania, 
 and the authority of the English decisions to the contrary en- 
 tirely repudiated. It is there held that a factor who remits 
 a bill to his principal in payment of goods sold on his account, 
 and indorses the bill, does not thereby become personally re- 
 sponsible to his principal, if he receives no consideration for 
 guaranteeing, and does not expressly undertake to do so.(g') 
 
 indorsed this bill sans recours, if they liad thought fit so to do, but they have uot done 
 it." And see Simpson v. Swan, 3 Camp. 291 ; Ileubach v. MoUmann, 2 Duer, 227. 
 
 (/) Chitty on Bills, 9th ed., p. 34. The learned author cites in support of this 
 proposition, Kidson v. Dilworth, 5 Price, 564, and Ex parte Robinson, 1 Buck, 113. 
 In tiie former case, a solicitor, who was employed by an administrator in getting in 
 debts due to the estate of the intestate, having received money in the course of his 
 agency, whicli it was his duty, according to his instructions, to remit to his employer, 
 procured for that purpose a banker's bill, which was accidentally drawn in his favor, so 
 that it became necessary that he should indorse it, and he did so. Ilild, that a court 
 of equity would restrain an action commenced against him on such indorsement, 
 whetiier brought by the innnediate indorsee, or by any other person wlio had notice of 
 the facts. In ICx parte Robinson, it was liclil, that when a person employed to get a 
 bill discounted, being unaiile to effect it without indorsing it, therefore indorsed it in 
 his own name, he was entitled to be indemnilied by his employer, though the name of 
 the latter was not on the i)ill. 
 
 (</) Medianies' Bank v. Karj), 4 Rawle, 384, 389 ; Sharp v. Emmet, .5 Wliart. 288. 
 In the last case, Si-n/mnt, J. said : " Formerly there seems to have been in the law mer 
 chant a severe and inflexilth; rule api)lii^d, tlint whenever an agent or factor indorsed a 
 liill, he was liable on his indorsement, unless he took care at the time to limit his re- 
 sponsibilily, by staling that it was 'suns recours,' or by procuration, or some snnilar
 
 CH. v.] AGENTS. 105 
 
 111 a case in the House of Lords, on appeal from Scotland, 
 where a factor, under a del credere commission, sold goods 
 and took accepted bills from the purchasers, which he ex 
 changed for a hill on London, payable to his own order ; and 
 this last he indorsed and transmitted to his principal ; it was 
 held that the factor was answerable for the amount of the bill, 
 "bemg personally liable, under his commission del credere^ to 
 satisfy his principal the price of the goods sold."(//) 
 
 An agent is personally liable on the contract he makes, if 
 he makes himself so expressly, or if he transcends his author- 
 ity, or if he departs from its terms and directions, or if he 
 conceals his character of agent, or if he purposely conceals 
 the name of his principal, or, perhaps, if he does not actually 
 state the name of his principal ; and these general principles 
 would no doubt apply to the acts of an agent in relation to 
 negotiable paper. It is expressly held, that the rule which 
 denies to an agent generally the power of delegating his au- 
 thority to another applies to promissory notes. (i) But this 
 rule must be understood with proper limitations. An agent 
 cannot delegate any portion of his power requiring the exercise 
 of discretion and judgment ; but it is otherwise as to powers 
 or duties merely mechanical in their nature. Therefore, if 
 an agent be empowered to bind his principal by an accom- 
 modation acceptance, he may direct another to write it, having 
 first determuied the propriety of the act himself; and it will 
 
 mode. The authorities cited by Mr. Justice Rogers, in Mechanics' Banli v. Earp, and 
 tliose referred to in the argument here, sufficiently show this. But it is equally certain, 
 that in more modern times the severity of this rule has been relaxed ; and it is now 
 held, that between the agent and the principal, the agent remitting a bill for payment 
 with his indorsement is not obliged, in order to exempt himself, to do so in expres.s 
 terms on the face of the indorsement. Such a restriction is objectionable in many in- 
 stances, as calculated to throw a doubt over the responsibility of the prior parties, and 
 to discredit tliem with those who may see the indorsement. The rule is, that the in- 
 dorsement of the factor must be construed by the circumstances under which it is made ; 
 and unless there be something to show that in indorsing he intended to render himself 
 personally liable, or tliat he was bound to do so, it ought not to be so intended. A 
 factor remitting a bill to his principal in payment of goods sold on his account, and 
 receiving no consideration for guaranteeing the bill, nor undertaking to do so, is not 
 personally responsible merely on his indorsement " 
 
 (/*) Mackenzie v. Scott, 6 Bro. P. C. 280. But see as to this case, Sharp v. Emmet, 
 e^ra ; Leverick v. Meigs, 1 Cowen, 6-15. 
 
 {i) Emerson v. Providence Hat jNIanufacturing Co., 12 Mass. 237; Brewster v- Ho- 
 rfart, 15 Pick. 302.
 
 too NOTES AND BILLS. [CH. V. 
 
 bind the principal, it seems, although it names the delegate, 
 and not the agent, as the one exercising the power, (j) Nor 
 does the rule, it seems, apply to a partner. (A;) 
 
 A general authority to transact business, even if it be ex- 
 pressed in words of very wide meaning, will not be held to 
 include the power of making the principal a party to nego- 
 tiable paper. Therefore, a power given to a copartner, upon 
 the dissolution of the firm, to receive all debts owing to, and 
 pay those owing from, the late partnership, does not, it has 
 been held, authorize him to indorse a bill of exchange in the 
 name of the partnership, though drawn by him in that name, 
 and accepted by a debtor of the partnership after the disso- 
 lution. (/) And a power of attorney given by an executrix, 
 to act fur her generally as executrix, does not authorize the 
 accepting of bills of exchange in her behalf, thougli for debts 
 due from her testator. (/») So if full authority be given to 
 an attorney to ask, demand, and receive all money that may 
 become due to the principal on any account wliatsoever, and 
 to " transact all business," this will not authorize the attorney 
 to indorse bills received in payment, (w) So a power of attor- 
 ney authorizing an agent to demand, sue for, recover, and 
 receive, by all lawful ways and means whatsoever, all moneys, 
 debts, and dues whatsoever, and to give sufficient discharges, 
 does not authorize him to indorse bills for his principal. (o) 
 
 Where a power of attorney gave the agent full powers as to 
 the management of certain specified real property, with general 
 
 (j) Commercial Bank v. Norton, 1 Hill, 501. And see ante, p. 84, note r. 
 
 {k) Tillii;r V. Wliiteiiead, 1 Dallas, 269. In this case it was resolved, "that one of 
 two partners may give an authority to a clerk under the firm of the house ; and that 
 the clerk may, in consequence thereof, accejit bills, and sign or indorse notes, in tiio 
 name of tlic company. And it was said by M'Kean, C. J., that this case could not be 
 properly compared with the case of an attorney without power of substitution; for the 
 attorney crtnnot exceed the letter of his authority, being nothing more than an agent 
 himself But each |)artner is a principal ; and it is implied in tiie very nature of their 
 connection, tiiat each has a right to depute and ajjpoint a clerk to act for both, in mat- 
 ters relative to their joint interest." 
 
 (/) Kilgour V. Finlyson, 1 IL Bl. LW. Sco post, pp. 144-147. 
 
 (/«) Gardner v. Baillie, T. K. ^'J\ , overruling Howard v. Baillic, 2 II. Bl. 018, so 
 far as the two cases are incoiiKist<;nt. 
 
 (h) Hogg i;. Snaith, 1 Taunt. 'Ml ; Hay v. Goldsmid, 2 J. 1'. Smith, 79, cited also 
 in Hogg V. Snaith, 1 Taunt. .347. 
 
 (o) Murray ii. Ka.st India Co., t> B & Aid. 204.
 
 CH. v.] AGENTS. 107 
 
 words extending those powers to all the property of the principal 
 of every description, and, in conclusion, authorized the agent to 
 do all lawful acts concerning all the principal's business and 
 affairs, of what nature or kind soever, it was held that this did 
 not authorize the agent to indorse bills of exchange in the name 
 of the principal. (jo) But where A, the proprietor of a cotton 
 factory, gave a letter of attorney to B, conferring on him the 
 agency of the factory for five years, empowering him to purchase 
 any articles for the use of the factory, and engaging to become 
 responsible for all contracts entered into by him in the capacity 
 of agent, for machinery and cotton for the use of the factory ; it 
 was held, that A was liable on a promissory note given by B, as 
 the agent of A, and in his name, for money borrowed by the for- 
 mer, within the term, and to effect the object, of his agency. It 
 may be found difficult to reconcile this decision with the current 
 of authorities upon the subject, and we have some doubts whether 
 it can be supported. (9) 
 
 So carefully is this authority watched, that, where power is 
 given to do some things with regard to promissory notes or 
 bills, it cannot be enlarged by construction to do other, though 
 somewhat similar, things. Thus, the authority to draw is not, 
 of itself, an authority to indorse bills ; (r) nor would it be to 
 accept them.(s) And an authority to draw, indorse, or accept 
 for a party, does not permit the agent to bind his principal 
 together with others as copartners ; (t) nor to put his name to 
 mere accommodation paper for other parties, (w) The presump- 
 
 (p) Esdaile v. La Nauze, 1 Younge & C., Exch. 394. 
 
 (7) Frost V. "Wood, 2 Conn. 2.3. 
 
 (r) Robinson v. Yarrow, 7 Taunt. 455 ; Murray v. East India Co., 5 B. & Aid. 204; 
 Prescott V. Flinn, 9 Bin^. 19. 
 
 (s) Attwood V. Munnings, 7 B. & C. 278, 1 Man. & R. 66. 
 
 (t) Attwood V. Muunings, 7 B. & C. 278, 1 Man. & R. 66. And see Stainback v. 
 Read, 11 Grat. 281. 
 
 (u) Wallace v. Branch Bank, 1 Ala. 565. In this case it was held that an attorney, 
 " with full power and authority, for me, and in my name, to draw or to indorse prom- 
 issory notes, to accept, draw, or indorse bills of exchange," has no authority to draw 
 or indorse notes for the mere accommodation of third persons. So a power of attor- 
 ney, " in my name and behalf to sign and indorse notes payable and negotiable at the 
 branch bank," &c. "as well for discount as collection, and to check all money which 
 may be deposited therein to my credit, from time to time, until this authority is re- 
 roked," was held not to authorize an original indorsement as security for a third per- 
 son. Nichols V. State Bank, 3 Yerg. 107 ; Nichol v. Green, Peck, 283. But where
 
 108 NOTES AND BILLS. [CH. V. 
 
 tion of the law limits such authority to the acting in the prin- 
 cipal's own business, and for his own benefit. (y) But if an 
 agent be authorized generally to execute notes in the name 
 and for the benefit of his principal, and he executes notes in 
 his principal's name for the fraudulent purpose of raising mon- 
 ey for his own use, such notes will, nevertheless, be bindhig 
 upon the principal, in the hands of a bona fide holder. (zy) 
 
 a witness testified that he was the general agent of a firm, intrusted with the sole 
 charge of tiieir business, and that as such he had been in the habit of drawing drafts 
 and making notes and indorsements for them, this was held sufficient to go to the jury 
 as a ground for inferring that he had authority to bind his principals by an accommo- 
 dation acceptance, though the power conferred on liim by the articles of copartnership 
 did not extend so far, and he had never attempted to bind the firm in that way. Com- 
 mercial Bank v. Norton, 1 Hill, 501. 
 
 (v) North River Bank v. Aymar, 3 Hill, 262; Stainback v. Read, II Grat. 281 ; 
 Stainer y. Tyseu, 3 Hill, 279; Stainback v. Bank of Virginia, U Grat 269. But see 
 Bank of Bengal v. Macleod, 7 Moore, P. C. 35 ; Bank of Bengal v. Fagan, 7 Moore, 
 P. C. 61. 
 
 [w) North River Bank v. Aymar, 3 Hill, 262. In this case, P. gave J. a letter of 
 attorney authorizing the latter, among other things, to draw and indorse notes in the 
 name and for the benefit of the former ; and the letter was deposited with a bank, 
 through which it was expected some of the business would be done. Various notes 
 and indorsements were subsequently made by J. ; all of which purported on their face 
 to have been executed for P. in conformity with, and in pursuance of, the letter of 
 attorney. In truth, however, the notes liad no connection with P.'s business, but were 
 given for the accommodation of third persons, who indorsed them to the bank in whicli 
 the letter of attorney had been deposited ; the latter receiving them in the regular 
 course of business, without notice, and for a valuable consideration. i/eW, tliat P. was 
 liable to the bank on the notes ; though as between him and J. they were unauthorized 
 and fraudulent. Nelson, C. J. dissented. The judgment in tiiis case is said to have 
 been afterwards reversed in the Court of Errors. But we think the decision of the 
 Supreme Court was correct. Sec the observations of Comstock, J., in Mechanics' Bank 
 V. New York & New Haven Railroad Company, 3 Kern. 632, et seq. In Bank of 
 Bengal v. Macleod, 7 Moore, P. C. 35, and Bank of Bengal i>. Fagan, 7 Moore, P. C. 
 61, the payee of promissory notes of tiie East India Company, by a power of attorney, 
 aathorized his agents at Calcutta to " sell, indorse, and assign " the notes. The agents, 
 in their character of private bankers, borrowed money of the Bank of Bengal, offering, 
 a.s Bccm-ity, these promissory notes. The bank made the advance, and the agents in- 
 dorsed the notes, in tiic name of their princi])al, and de])osited them with tiie iiank, by 
 way of collateral security for their personal lial)ility ; at the same time authorizing the 
 bank, in dcfuilt of payment, to sell the notes in reimbursement of the advances. Held, 
 that the indorsement of the notes by the agents of the payee to the bank was within the 
 grope of tlic authority given to tliem by the power of attorney. Lord Ihoiu/Iiani said : 
 " It is said that the indorsement was only to be iii.ade for the benefit of the pi-incipal, 
 and not for the pnrfio.ses of the agent. We do not sec how this very materially affect* 
 the case, for it only refers to the use to be made of the funds obtained from the indorse- 
 ment, not to the power; it relates to the purpose of the execution, not to the limits of 
 tlic f)0wer i'self; and though the indorsee's title must deix-nd upon the aiithoiily of ino
 
 CH. v.] AGENTS. 109 
 
 But the principal would not be held, if the holder had notice 
 or knowledge of the fraud. (x) 
 
 If one signs his name to a bill or note, leaving a blank for the 
 sum, and intrusts it to another, this is prima facie evidence of 
 authority ; in England, to insert any sum that the stamp will 
 cover, and for any purpose ; and in this country, to insert an 
 indefinite smn.(y) As between the immediate parties, and all 
 others who have notice of any limitation in the authority, this 
 presumption may be rebutted ; (2;) but as to bona fide purchasers 
 without notice, it is conclusive. And it is immaterial that the 
 holder knew that the note was signed in blank, if he had no 
 notice that the authority to fill the blank was limited. (a) Such 
 a blank signature is a letter of credit for an indefinite sum ; it is 
 
 indorser, it cannot be made to depend upon the purposes for which tlie indorser per- 
 forms his act under the power." In the case of Exchange Bank v. Monteath, 17 Barb. 
 171, where an agent, who derived a general authority to bind his principal by bills' and 
 notes from the nature and course of his employment, and not from a written power, 
 drew a bill in the name of his principal for the accommodation of a third person, it 
 was held, that the principal was liable upon the bill, in an action brought by a honajide 
 holder. And see Mann v. King, 6 Munf. 428; Stainback v. Bank of Virginia, 11 Grat. 
 269 ; Stainback v. Read, 11 Grat. 281 ; Newland v. Oakley, 6 Yerg. 489. 
 
 (x) Staiuer v. Tysen, 3 Hill, 279. In this case, D. executed a letter of attorney au- 
 thorizing G. to draw and indorse notes for and in the name of the former. Afterwards 
 G., being a member of a firm largely indebted to the plaintiff and utterly insolvent, 
 but with which D had no connection, applied to the plaintiff for a compromise, and 
 terms were agreed on ; whereupon G. made a note in D.'s name, payable to the firm, 
 and delivered it to the plaintiff by way of perfecting the compromise. Held, in an 
 action against D., that the plaintiff could not be deemed to have received the note bona 
 fide ; and as G. had given it without authority, the action could not be maintained. 
 So in Stainback v. Bank of Virginia, 1 1 Grat. 269, a power of attorney was given to 
 an agent, to draw, indorse, or accept bills, and to make and indorse notes, negotiable 
 at a particular bank, in the name of the principal. Held, that a party dealing with the 
 agent, with knowledge or means of knowledge that under such power he was indors- 
 ing tlie name of his principal for his own benefit, was not entitled to recover from the 
 principal ; and that the fact that the attorney was the drawer of the bill upon which he 
 indorsed the name of his principal, held the bill at the time it was discounted by the 
 holder, and that the proceeds were passed to his credit, were of themselves full proof 
 that the attorney was acting for his own benefit, and not that of his principal. And 
 see Stainback v. Read, 11 Gnit. 281. 
 
 ((/) Russel V. Langstaffe, 2 Dougl. .514; CoUis v. Emett, 1 H. Bl. 313; Violett v. 
 Patton, 5 Cranch, 142; Michigan Bank v. Eldred, 9 Wallace, 544. 
 
 (z) Hatch V. Searles, 2 Smale & G. 147 ; Johnson v. Blasdale, 1 Smedes & M. 17 ; 
 Hempliill v. Bank of Alabama, 6 Smedes & M. 44; Goad v. Hart, 8 Smedes & M. 787 ; 
 Hal! ''. Coninionwealth Bank, .5 Dana, 258. 
 
 (a) Huntington v. Branch Bank, 3 Ala. 186; Russel *'. L.'ingstaffe, aupra. But see 
 Hatch V. Searles, supra. 
 
 Vol. I. 10
 
 110 NOTES AND BILLS. [CH. V. 
 
 saying to the public, " Trust A. B. to any amount, and I will be 
 his security." (6) Therefore it would be no defence against a 
 bona fide holder to prove, either that tlie person to whom the 
 histruraent was intrusted had no authority at all to fill the 
 blank ; or that his authority was limited to a certain sum, which 
 he had exceeded ; (c) or that he was only authorized to use the 
 paper for a particular purpose, and had fraudulently converted 
 it to a different purpose ; {d) or that he was only autliorized to fill 
 
 (6) Per Lord Mansfield, in Russel v. Langstaffe, supra. 
 
 (c) Thus, in Fullerton v. Sturges, 4 Ohio State, 529, P. and others, sureties of C, 
 signed an instrument payable to S or order, in blank as to the date, amount, and time 
 of payment, but with a private agreement that it should not be filled for more than 
 $ 1,000 or $ 1,500, and delivered it to C, the principal, to procure the discount. Sub- 
 sequently, the instrument was presented by C. to S., the payee, and filled up and dis- 
 counted for the sum of $ 10,000. Held, that one who intrusts his name in blank to 
 another to procure a discount is liable to the full extent to which such other may see 
 fit to bind him, when the paper is taken in good faith, without notice, actual or con- 
 structive, that the authority given has been exceeded ; that such signature iu blank 
 has the effect of a general letter of credit; and the rule is founded as well on that 
 general principle, which casts the loss, when one of two innocent persons must suffer, 
 upon him who has put it in the power of another to do the injury ; as also upon the 
 rule, in the law of agency, which makes the principal liable for the acts of his agent, 
 in violation of his private instructions, when he has held the agent out as possessing 
 more enlarged authority. And see, to the same effect, Roberts v. Adams, 8 Port. Ala. 
 297; Herbert i'. Huie, 1 Ala. 18; Decatur Bank v. Spence, 9 Ala. 800. But see 
 infra, p. 113, notes 7 and h. 
 
 (d) Putnam v. Sullivan, 4 Mass. 45, is an important and leading case upon this 
 point. That was an action by indorsees against indorsers of a promissory note. It ap- 
 peared that, one of the defendants being abroad in Europe, the other, having occasion to 
 make a jouincy from Boston to Philadelphia, intrusted to a clerk of the house several 
 papers, indorsed by the firm in blank, to be used by the clerk when money was to be 
 advanced on the sale of goods by the house on commission, or to renew the notes of the 
 house when due at the banks. He was directed to deliver one of the blanks to the 
 promisor upon the note sued on in this action, to enable him to renew a note signed 
 by him. then in the bank, of which the house were indorsers, and for which he had 
 requested a blank to be left The promisor called on the clerk for the blank indorse- 
 ment left for him, and one was delivered to him ; afterwards, pretending that by some 
 mistake it had become useless to him, and feigning to burn in the clerk's ]iresence the 
 name of the firm indorsed, he procured another blank, and, by a similar pretension and 
 contrivance, u third and fourth, tlie last of which was in fact used for the purpjsc for 
 which the house had directed a blank indorsement to be given to him. He had used 
 one of the prior blanks for making tlie note sued on in this action ; which had been 
 negotiated, with the indorsement remaining in blank, to the plaintiffs. Parsons, C. J 
 said : " It is objected that this note ought to be considered as a forgery of the names of 
 the indorvers ; bt-causc; a note was afterwards written on the face of the paper by the 
 promi^fjr, not (mly without the direction or consent of the defendants, but against theii 
 express instruction ; and thcreforOiit was a false and fraiidulint alteration of a v/rit,ng. 
 to the jircjudice of the inrlorscr.s. This objection would have great weight, if, when the
 
 CH. V.J AGENTS. Ill 
 
 the blank upon a certain condition, which had not happened ; (e) 
 or that the authority was limited in point of time, and that the 
 time had expired. (/) This we regard as the settled law in this 
 country ; but in England, according to some recent decisions, it 
 
 indorsers put the name of the firm on the paper, they had not intended that something 
 6hould afterwards be written, to which the name should apply as an indorsement; for 
 then the paper would have been delivered over, unaccompanied by any trust or con- 
 fidence. If the clerk had fraudulently, and for his own benefit, made use of all the 
 indorsements for making promissory notes to charge the indorsers, wc are of opinion 
 that this use, though a gross fraud, would not be in law a forgery; but a breach of 
 trust. And for the same reason, when one of these indorsements was delivered by the 
 clerk, who had the custody of them, to the promisor, who by false pretences had 
 obtained it, the fraudulent use of it would not be a forgery ; because it was delivered 
 with the intention that a note should be written on the face of the paper by the prom- 
 isor, for the purpose of negotiating it as indorsed in blank by the house. And we must 
 consider a delivery by the clerk, who was intrusted with a power of using tliese indorse- 
 ments (although his discretion was confined) as a delivery by one of the house ; 
 whether he was deceived, as in the present case, or had voluntarily exceeded his direc- 
 tion. For the limitation imposed on his discretion was not known to any one but 
 to himself and to his principals. It is further objected, that, if the writing of this note 
 under these circumstances is not a forgery, yet it is such a fraud as will discharge the 
 indorsers against an innocent indorsee. The counsel for the defendants agree that 
 generally an indorsement obtained by fraud shall hold the indorsers according to the 
 terms of it ; but they make a distinction between the cases where the indorser through 
 fraudulent pretences has been induced to indorse the note he is called on to pay, and 
 where he never intended to indorse a note of that description, but a different note and 
 for a different purpose. Perhaps there may be cases in which this distinction ought to 
 prevail. As if a blind man had a note falsely and fraudulently read to him, and he 
 indorsed it, supposing it to be the note read to him. But we are satisfied that an 
 indorser cannot avail himself of this distinction, but in cases where he is not chargeable 
 with any laches or neglect, or misplaced confidence in others. Here, one of two inno- 
 cent parties must suffer. The indorsees confided in the signature of the defendants, 
 and they could have no reason to suppose that it had been improperly obtained. The 
 note was openly offered to the plaintiffs by a broker, and when they objected on 
 account of the absence of both the indorsers, they were answered, on the information of 
 the promisor, whose character then stood fair, that blank indorsements had been left 
 with the clerk, and that the indorsers had before indorsed a number of notes for the 
 same person, which had been negotiated by a broker. On the other hand, the loss has 
 been occasioned by the misjilaced confidence of the indorsers in a clerk, too young or 
 too inexperienced to guard against the arts of the promisor." And see, to the same 
 effects, Roberts v. Adams, 8 Port. Ala. 297 ; Herbert v. Huie, 1 Ala. 18 ; Huntington 
 V. Branch Bank, 3 Ala 186 ; Decatur Bank v. Spence, 9 Ala. 800. 
 
 (e) But see mfra, p. 113, notes g and h. 
 
 (f) Thus, in Montague v. Perkins, C. B. IS.-iS, 22 Eng. L. & Eq. 516, it was held, 
 that a person, by giving another a blank acceptance, makes him, as to third parties, his 
 general agent to fill up the bill to the extent the stamp will cover, and he is bound by 
 his acceptance in the hands of an innocent holder for value ; therefore, to an action by 
 an indorsee for value without notice against the acceptor, it is no defence that the accept- 
 ance was given in blank to the drawer, and that the bill was not filled up and issued
 
 112 NOTES AND BILLS. [CH. V. 
 
 is not SO certain. Thus, it has been directly decided there, that 
 if the authority to fill the blank was upon a condition, which has 
 not been satisfied, this will be a complete defence, even against 
 
 until an unreasonable time (twelve years) after. During the argument, Cresswell, J., 
 interrupting counsel, said : " This does not differ from the case of a merchant employ- 
 ing an agent to sell a cargo of cotton for him, the agent being held out to the world as 
 having a general authority to sell. His principal may have given him private iusti-uc- 
 tions, but if, in selling, the agent violates his instructions, his principal is nevertheless 
 bound." Jervis, C J., in delivering his opinion, said : " It is admitted by my brother 
 Channel!, that the giving a blank acceptance is evidence of an authority to the party to 
 whom it is given to fill up the bill for the amount, and it may be for the time, to which 
 the stamp extends ; but he contends that the authority so given is an authority to fill 
 it up within a reasonable time, and that as the authority in this case was not pursued 
 in that respect, the party giving the acceptance is not liable. I think riiat is not the 
 case with reference to the rights of a bona Jide holder for value. The rules applicable 
 to the question of authority on this bill of exchange do not differ from those which 
 ought to govern the question, if it arose in the ordinary case between principal and 
 agent. In the case of a blank acceptance, prima facie the person giving it gives the 
 person to whom it is given an opportunity to fill it up for the amount and for the time 
 limited by the stamp laws. As between those two, there may be secret stipulations 
 binding upon them, but not binding as between the public and the person giving the 
 blank acceptance. As said by Lord Ellenborough, in Cruchley v. Clarance, 2 Maule & 
 S. 90, the defendant has chosen to send the bill into the world in that form, and the 
 world ought not to be deceived by his acts. IIow does this differ from the ordiiiaiy case 
 of an agent, held out to the public at large as competent to contract for and to bind his 
 principal ? The agent may have secret instructions, but, notwithstanding ho deviates 
 from them, the principal is bound by his acts. So here, the defendant, when he put the 
 blank acceptance into Swinburn's hands, gave the latter power to issue it as if he had 
 a general and unlimited authority ; and the defendant must be bound by the acts 
 of his agent to whom he gave this power. This is what is said by Lord Mtinsjield, in 
 Russel V. Langstaff"e, that an indorsement on a blank note is a letter of credit for an in- 
 definite sum. The cases of Temple v. PuUen, 8 Exch. 389, and Mulhall v. Neville, 8 
 Exch. 391, are not at variance with this. For these reasons, I am of opinion tiiat the 
 rule must be absolute to enter the verdict for the plaintiff^." Maule, J. : "I think so 
 too. The defendant, when he wrote his name in blank and issued this acceptance, must 
 have known, what was obvious to anybody, that he put it in the power of any person 
 to whom he gave it to fill it up, and pass him off" as having accepted the bill for any 
 amount at any time warranted by the stamp. He must be taken to have intended the 
 natural consequence of his act If this were not so, and a bona _fide holder were not to 
 be protected, tlion a person who had used the utmost care might lie subjected to a loss, 
 in order to relieve anotlier who iiad used no care, but had put the person to whom he 
 gave the acceptance in a position to impose upon tlie most iiuiocent and ciiutious. No 
 case has been cited wliidi decides the contrary ; and I think we may without any con- 
 flict with previous cases, and in affirmance of a principle of mercantile law in favor of 
 the negotiability of these instruments, and to protect innocent holders for value, decide 
 that the defendant is liable, and that this rule should be made absolute." Cresswell, 
 J. : "I entirely agree to this. A person who gives anotlier possession of his signature 
 on a bill stamj), /*n'mcf/'»c/e authorizes tlie latter as his agent to fill it up, and give to 
 the world the bill as accepted by him. Ho enables his agent to represent himself tf
 
 CH. v.] AGENTS. 113 
 
 a bona Jide holder. (^'^■) So, if the authority be limited to a 
 particular sum, and a larger sum be inserted, it has been decided 
 by all the judges of England that this will be forgery. (A) We 
 think the rule established in this country is just and rational. 
 
 the world as acting with a general authority ; and he cannot say to a bona fide holder 
 for value, who lias no notice of any secret stipulations, that there were secret stipulations 
 between himself and the agent, any more than can a principal, in the case already put, 
 where he enables his agent, buying or selling on his behalf, to represent himself as act 
 ing under a general authority." See also Temple v. Pullen, 8 Exch. 389 ; Mulhall v 
 Neville, 8 Exch. 391. 
 
 (7) Awde V. Dixon, 6 Exch. 869. In this case, the defendant agreed to join hi^ 
 brother in making a promissory note for his accommodation, provided R. would alsG 
 join. The defendant accordingly signed an instrument in the form of a promissory 
 note, a blank being left for the name of the payee. R. refused to join, and afterwards 
 the defendant's brother delivered the imperfect instrument to the plaintiff for value, 
 representing that he had authority to deal with it, and the plaintiff's name was inserted 
 as payee. HM, that the plaintiff could not recover on this note against the defendant ; 
 and, semhle, that, under such circumstances, the insertion of the plaintiff's name as 
 payee rendered the instrument a forgery. Pnrke, B. said : " It is unnecessary to say 
 whether this instrument is a forgery or not, but there is certainly ground for contending 
 that the making of it complete, contrary to the directions of the defendant, renders it a 
 false instrument as against him. I do not gainsay the position, that a person who puts 
 his name to a blank paper impliedly authorizes the filling of it up to the amount that 
 the stamp will cover. But this is a different case. Here the instrument, to which the 
 defendant's name is attached, is delivered to his brother, with power to make it a com- 
 plete instrument, on one condition only, that is, provided Robinson would be a joint 
 surety with him. This, therefore, is an instance of a limited authority, where, in case 
 of a refusal by Robinson to join, there is a countermand. Robinson refused to join, 
 and consequently the defendant's brother had no authority to make use of the instru- 
 ment. A party who takes such an incomplete instrument cannot recover upon it, 
 unless the person from whom he receives it had a real authority to deal with it There 
 was no such authority in this case, and unless the circumstances show that the defend- 
 ant conducted himself in such a way as to lead the plaintiff to believe that the defend- 
 ant's brother had authority, he can take no better title than the defendant's brother 
 could give. The maxim of law is, ' Nemo plus juris in alium tr.ansferre potest quam 
 ipse habet.' It is a fallacy to say that the plaintiff is a bona fide holder for value ; he 
 has taken a piece of blank paper, not a promissory note. He could only take it as a 
 note under the authority of the defendant's brother, and he had no authority, conse- 
 quently the instrument is void as against the defendant." 
 
 (h) Rex V. Hart, 1 Moo. C. C. 486 ; Regina v. Wilson, 1 Den. C. C. 284. In 
 ^wde V. Dixon, supra, Parke, B., interrupting counsel, said : " Suppose Richard 
 Dixon had authority to fill up the instrument with £ 100, and he inserted £200, would 
 the defendant be liable ? In the case of Rex v. Hart, all the judges were unanimously 
 of opinion, that where a blank acceptance is delivered to a person, with authority to fill 
 it up with a particular sum, and he inserts a larger sum, he is guilty of forgery. Re- 
 gina V. Wilson is an authority to the same effect." Alderson, B. said : " A blank ac- 
 ceptance is not of itself an authority to make a complete bill, but only evidence of 
 authority. Molloy v. Delves, 7 Bing. 428. Here the defendant signed his name to a 
 piece of paper, giving his brother authority to make it a promissory note on certain 
 
 Vol. I.— H
 
 114 NOTES AND BILLS. [CH. V 
 
 It should be noted, however, that it is confined to cases where 
 the signature is intrusted to another person fur some purpose. 
 And we are incUned to think that it should be confined to cases 
 where the person to whom the signature is intrusted is authorized 
 to Jill the blank, in some form, or for some purpose. If so, proof 
 that he had no authority to fill the blank in any form, or for any 
 purpose, would be a complete defence. As if a blank signature 
 were given to a servant, to be carried to a bank and delivered to 
 the cashier, and the servant should fill the blank and negotiate 
 it. If a person sign notes in blank, and lock them up in his 
 safe, whence they are stolen, filled up, and negotiated, without 
 fault or negligence on his part, he is not liable. (t) Possibly, it 
 might be held otherwise, if he make and sign a perfect note, 
 payable to bearer, and it be stolen under similar circumstances ; 
 
 terms ; he makes it a note on other terms ; then how does that differ from the case of 
 signing- his brother's name ? It woukl be strange if this transaction amounted to for- 
 gery, and yet we should iiold this a true instrument." 
 
 [i] Nance v. Lary, 5 yVla. 370. In this case, the defendant and one Langford being 
 about to execute a bond in blank, the latter produced a sheet of paper upon which the 
 defendant signed his name, whereupon Langford suggested that the signature was so 
 far from the bottom of the paper, that there might not be room for the bond to be 
 written above it, and produced another sheet for the defendant to sign, so as to leave 
 sufficient room for the intended bond. Langford, with apparent carelessness, slipped 
 the first sheet aside, and signed the other with the defendant, who carried it to the 
 clerk of the court to be filled up, leaving the former with Langford, under the impres- 
 sion that it had been or would be destroyed. Subsequently, Langford caused the note 
 upon which the present suit was brought to be written over the blank signature of the 
 defendant retained by him, and negotiated it to the plaintiff'. Collier, C. J. said : " The 
 making of the note by Langford was not a mere fraud upon the defendant ; it was 
 something more. It was quite as much a forgery as if he had found the blank, or pur- 
 loined it from the defendant's possession. If a recovery were allowed upon such a 
 state of facts, then every one who ever indulges the idle habit of writing his name for 
 mere pastime, or leaves sufficient space between a letter and his suliscription, might be 
 made a bankrupt by having promises to pay money written over iiis signature. Such 
 a decision would be alarming to the community, has no warrant in law, and cannot 
 receive our sanction." In Montague v. Perkins, C. B. 18.53. 22 Eng. L. & Eq. .516, cited 
 titpra, Cresswcll, J., internipting Byli'S, Sergeant, arijuendo, said: " Suppose the defend- 
 ant had lost iiis blank .'icccptancc, would he have been liable upon it if the finder, 
 wifiiout his authority, had filled it up ? " Diflcs. " Yes, to an indorsee for value, with- 
 out notice ; as where A, by false representations, induced B to sign his name to a 
 blank statnpcd pajjcr, whi(;h A afterwards sccnstly filled up as a promissory note for 
 XlOn, and induced C to ndv.-uice him £100 on it, (Harrow, B. held, that C had Ills 
 remedy on the note against B. Ilex v. Revett, Hyles on Bills, 10.1, 6th edition." 
 This case is stated too Ijricfly to eiiiible one to gather, with sufficient i)recision, the 
 actual state of tfie facts. Hut if it is an authority for the proposition fur which the 
 learned Sergeant cites it, we think it unsound.
 
 CH. v.] AGENTS. 115 
 
 on the ground that, when the instrument is once perfected, (al 
 though it has never passed out of the maker's liands, and con- 
 sequently has had no inception as a contract,} it is like money, 
 and any one who receives it in good faith and for a valuable con- 
 sideration acquires a perfect title. (_;') 
 
 When a bill or note is given in blank, it is not necessary that 
 the blank should be filled by the person to whom it is imme- 
 diately intrusted. It may be negotiated in' blank, and any bona 
 fide holder may insert the amount advanced by him on the faith 
 of the signature. (A;) 
 
 If a note be made payable so many days or months after date, 
 and the date be left blank, the maker will be bound, in favor of 
 a bona fide holder without notice, by any date which the payee 
 chooses to insert. (Z) But if the payee, to accelerate the time of 
 payment, inserts a date anterior to the time of making the note, 
 it seems that it will be void in the hands of any party who 
 received it with notice that it was antedated. The reasonable 
 construction of such an instrument is, that it is to bear date only 
 from the time when it is negotiated ; and the face of the note is 
 notice of this.(m) 
 
 A power to make notes for discount does not extend to the 
 power of renewing the same notes, (w) And a power to put the 
 
 (j) Worcester County Bank v. Dorchester & Milton Bank, 10 Cush. 488 ; Gould 
 V. Segee, 5 Duer, 260. But see Hall \i. Wilson, 16 Barb. .548, wliere an opinion was 
 intimated, that until delivery the instrument was of no more effect than a blank piece 
 of paper. The case was decided on another ground. 
 
 (k) Schultz V. Astley, 2 Bing. N. C. 544; Herbert v. Huie, 1 Ala. 18; Huntington 
 V. Branch Bank, 3 Ala. 186. 
 
 [1) Androscoggin Bank v. Kimball, 10 Cush. 373; Mechanics' & Farmers' Bank v 
 Schuyler, 7 Cowen, 337, note a. 
 
 (/«) Goodman v. Simonds, 19 Misso. 106. But see, contra, Mitchell v. Culver, 7 
 Cowen, 336. 
 
 (w) Ward v. Bank of Kentucky, 7 T. B. Mon. 93. A power to renew a note at sixty 
 or ninety days will authorize the renewal of the note at eighty-eight days, there being 
 no violation of the object and intention of the parties. Bank of So. Car v. Hemen, -i 
 McCord, 89. See Bank of So. Car. v. M' Willie, 4 McCord, 438. But where A au- 
 thorized B to sign his name to a note for $ 250, payable in six months, and B put A's 
 name to a note for that sum, payable in sixty days ; it was held, that A was not liable. 
 Batty V. Carswell, 2 Johns. 48. And an authority given by a father to his son to accept 
 in his name a bill of exchange for $ 2,000 to be used for a particular purpose, will not 
 warrant him in accepting a bill for a part of the amount given for another purpose. 
 Nixon V. Palmer, 4 Seld. 398. In Hortons v. Townes, 6 Leigh, 47, A, by letter of 
 attorney, authorized B to put his name to or upon any negotiable note, as maker or 
 indfrscr, for the purpose of getting the same discounted at one or other of certain
 
 116 NOTES AND BILLS. [CH. V. 
 
 name of the principal to a note payable at a certain bank does 
 not authorize the use of his name upon a note payable specifically 
 elsewhere, or indeed upon any note not payable specifically at 
 that baak.(o) Nor can supercargoes bind their principals by 
 drawing a bill on the principals, and then accepting it in their 
 name, without special authority to do so ; nor would the power 
 to accept bills drawn on their principals by others, be derived 
 from their employment as supercargoes. (j^) 
 
 The same may be said of masters of ships (q) or steamboats, (r) 
 Nor lias an ordinary merchant's clerk any authority to bind 
 his employer by signing a bill or note in his name.(s) Nor 
 
 specified banks, to the amount of $ 3,000, and then for renewal of such note at bank, 
 from time to time, so as the amount shall, at no one time, exceed $ 3,000. B made a 
 note for $ 3,000 accordingly, which was discounted at bank, and renewed from time to 
 time, but was at length reduced to $ 1,000 ; and then B purchased groceries of C, and 
 for the price thereof gave him a note in A's name, negotiable at one of the specified 
 banks. Held, that this last note was not within B's authority. And semble, that his 
 authority was exhausted by the making of the first note for $ 3,000. 
 
 (o) Morrison v. Taylor, 6 T. B. Mon. 82. 
 
 (p) Scott V. M'Lellan, 2 Greenl. 199. 
 
 (q) Bowen v. Stoddard, 10 Met. 375. 
 
 (r) May v. Kelly, 27 Ala. 497. 
 
 (s) Terry v. Fargo, 10 Johns. 114. In Smith v. Gibson, 6 Blackf 369, it was hela, 
 that an agent for attending to and managing a grocery and provision store, &c., is not, 
 in consequence of such agency, authorized to draw or indorse notes in the name of his 
 principal. In Davidson v. Stanley, 2 Man. & G 721, it was held, that the bailiff^ of a 
 large farming establishment, through whose hands all payments and receipts take place, 
 has no implied authority to pledge the credit of his employer by drawing and indorsing 
 bills of exchange in tlie name of the latter. Nor, in the absence of all direct evidence 
 of authority, does the nature of the employment of such a bailiff furnish any ground 
 for inferring the existence of such an authority upon slight, or upon any other than 
 clear and distinct, evidence of assent or acquiescence. In Taj)pan i>. Bailey, 4 Met. 
 529, where a company was formed for the purpose of purchasing timber-land in Maine, 
 and getting the Intnber therefrom and selling it, and officers were appointed to take the 
 general management of the concerns of the company, with power to apjjoint agents to 
 transact its business ; it was held, that an agent appointed by such officers had au- 
 thority to give a negotiable note of the company in payment for services of laborers 
 employed by him in getting out lumber. It seems that an agent who is employed by 
 the ownens of a wlialc-sliip to fit her for sea, and purchase the necessary supplies for her 
 voyage, cannot l)ind the owners by making a negotiable note, or accepting a negotiable 
 hill of cxcliaiige, in their names, as agent, in payment for such supplies. Taber v. Can- 
 non, 8 Met. 450. In till' Hank of Hamburg (,-. Johnson, 3 Rich. 42, the defendant 
 CRtablishcd a large store in a country town, for the sale of groceries and purchase and 
 Bale of cotton, under tiie entire charge of W. as his agent, and gave public notice that 
 W. would conduct the business and act as his agent in the j)urchase of goods and 
 everything app(Ttaining to bis business in the mercantile line. W. sold cotton as de- 
 fendant's agent, and, in t>nh-v to enable the [>urchnser to raise money to pay for it,
 
 CH. v.] AGENTS. 117 
 
 has an attorney at law, to whom a note is sent for collection, 
 any authority as attorney to transfer the note to a third per- 
 son. (^) If the holder of a bill employ an agent to get it dis- 
 counted, without restraining him as to the mode of doing it, 
 an autliority will be implied in the agent to indorse the bill 
 in the name of the principal, (w) But if the principal expressly 
 directs the agent to take the bill into the market and sell it, 
 without indorsing it, and the agent, in violation of his orders. 
 
 indorsed, in the name of his principal, a bill to be discounted by the purchaser in bank. 
 The bill was discounted, and with the money thus raised the purchaser paid for the 
 cotton. Held, that W. had not acted within the scope of his authority, and therefore 
 that the defendant was not bound by the indorsement. So an agent employed in the 
 manufacture of can-iages has no authority, by implication from the nature of that busi- 
 ness, to bind his principal by a negotiable note given for labor or materials. Paige v. 
 Stone, 10 Met. 160. And see Scarborough v. Reynolds, 12 Ala 2.52. In Beach v. 
 Vandewater, 1 Sandf. 265, it was held, that an agent of an association of canal for- 
 warders, authorized by the articles to regulate the accounts of earnings, and the distri- 
 bution of the same and of the expenses, to control the manner of running the boats, to 
 sue for various duties undertaken by the parties, and to maintain offices for the trans- 
 action of the business, is not authorized to accept bills of exchange, so as to bind the 
 associates. See Layet v. Gano, 17 Ohio, 466. In Webber v. Williams College, 23 
 Pick. 302, where an agent was authorized to advance a sum of money to a third per- 
 son, and he, instead thereof, gave a note for the amount in the principal's name, it waa 
 held, that the principal was not liable on the note. In Gould v. Norfolk Lead Co., 9 
 Cush. 338, it was held, that the payment of an unaccepted draft upon a corporation, by 
 its agent, is no evidence of his authority to accept drafts upon the corporation ; and 
 the fact that such acceptor acted as general agent has little tendency to show such au- 
 thority. Shaw, C. J. said : " The acceptance of a draft is an executory undertaking 
 to pay it at a future day, and the authority to make such an agreement is not incident 
 even to the authority of an agent to purchase and pay for goods. The authority to 
 accept is one of a very high character, particularly in the case of a trading corporation, 
 to whom business credit, and the use of that credit, are constantly necessary. It has 
 been argued that such authority may be inferred from the course of trade, and the 
 payment of unaccepted drafts upon the company, on other occasions. But this impli- 
 cation does not follow from such payments ; for, either the agent had funds of the com 
 pany for the purpose of paying such drafts, which does not imply that he had authority 
 to pledge their credit, or he paid them from his own funds, relying on the credit of the 
 company, and their previous undertaking and liability, to reimburse him for all his ad- 
 vances, which implies no authority whatever to bind them to a future payment of money 
 by an acceptance. I shall not go into an examination of the cases on this subject, but 
 will refer to that of Webber v. Williams College, 23 Pick. 302, where the question was 
 much considered, and many cases were cited. The case of Emerson v. Providence 
 Hat Manuf. Co., 12 Mass. 237, goes to the point that constituting one a buying and 
 Belling agent of a trading company does not imply authority in him to give the nego- 
 nable note of the company." 
 
 (0 Russell V. Drummond, 6 Ind. 216. 
 
 (a) Fenn ?;. Harrison, 4 T. R. 177.
 
 118 NOTES AND BILLS. [CH. V. 
 
 indorses in the name of the principal, the latter will not be 
 liable on this indorsement, even in the hands of a bona fide 
 holder.(y) 
 
 It is said that the usage of trade authorizes a merchant, 
 making a shipment, to draw on the consignee, and binds the 
 consignee to pay the bills if the shipment supplies him with 
 funds. But an agent who is authorized to draw on his prin- 
 cipals for the sums he advances on merchandise consigned to 
 them, is not thereby authorized to draw on them on account 
 of goods of his own which he consigns to them. In relation 
 to these goods, he has the general rights of a merchant sliip- 
 ping goods, and no other. (if;) A power to give a "company 
 note " was held to include the power of drawing a bill in the 
 name of the " company." (x) That any principal may limit any 
 authority which he gives, precisely as he thinks proper, is un- 
 questionable. 
 
 If an authority be given in very general terms, and the same 
 instrument enumerates certain special objects or acts, this speci 
 fication will be held to restrain the general words, and the 
 instrument will be construed as if limited in its intention and 
 operation to them, unless there be some phraseology in the 
 instrument, or something in the nature of the case, which dis- 
 tinctly controls this rule of construction. (y) 
 
 If one enters into a contract as agent for another, he cannot 
 enforce that contract in his own name and for his own benefit, 
 as if made by himself and for himself, without giving sufficient 
 previous notice to the other party of his purpose so to do. But 
 with that notice, it seems that he may maintain an action on 
 the contract in his own name, if the facts are such in other 
 respects as would authorize him in doing so.(z) 
 
 (v) Fcnn v. Hiirrison, 3 T. R. 757. 
 
 (xu) Scliimmelpcniiich v. Bayard, 1 Pet. 264. 
 
 (x) Tripp V. Swan/.ey Paper Co., 13 Pick. 291. 
 
 (/y) Thus, in Kossitcr i; Ho.ssitcr, 8 Wend. 494, it was held, that a power of attorney 
 to collect debts, to execute deeds of lands, to accomplish a complete adjustment of all 
 conciTns of the constituent in a particular place, and to do all other acts which the con- 
 Htituent could do iu jjcrson, did not authorize the {.jiving of a note by the attorney in 
 the name of the principal. The lar^ijer powers, conferred by the {general words, must 
 \to. construed with reference to the matters specially mentioned. And see ante, p. ^05, 
 
 (z) Hickertou i;. Burrcll, 5 Maule & S. 383 ; Kayner i;. Grotc, 1.5 M. & W. S.-JQ.
 
 CH. v.] AGENTS. 119 
 
 If an agent exceed his authority in signing the name of 
 his principal to a note, the note will be void as to the principal, 
 even in the hands of a bona fide holder, (a) 
 
 Any person who receives bills or notes for collection, or for 
 any other specific purpose, must be controlled by any directions 
 or limitations expressed upon them, and cannot apply the pro- 
 ceeds to his own benefit, in any way inconsistent with those 
 directions or limitations ; nor can he by assignment or indorse- 
 ment convey the property in the paper to any one who has 
 notice or knowledge that he therein transcends his authority. (i?>) 
 So an agent or broker, who has notes or bills of another to get 
 them discounted, cannot pledge them for money previously due 
 from him ; nor, as it would seem, could he be justified by any 
 usage in doing so.(c) On general principles it might be said 
 that he could not pledge them for money paid him, if the lend- 
 er knew, or had sufficient reason to know, both that the notes 
 belonged to another, and that the broker, against the pur- 
 poses of the owner, was borrowing money on them for himself. 
 Nor can he, without specific authority, pledge the bills of dif- 
 ferent customers in one mass, for this subjects each note to 
 a lien for money advanced on the rest. But to this point 
 it has been said that usage might enlarge the broker's author- 
 ity.(rf) 
 
 It has been said, on high autliority, that any person taking 
 an acceptance which purports to be by procuration, takes it 
 on the credit of the party who assumes to have authority to 
 accept, and should, therefore, in the exercise of due caution 
 and reasonable prudence, require the production of the au- 
 
 (a) Fearn v. Filica, 7 Man. & G. 513 ; Andover v. Grafton, 7 N. H. 298, 303. In 
 Mechanics' Bank v. New York & New Haven R. R. Co., 3 Kern. 631, Comstock, J. 
 says : " It is obvious, upon a moment's reflection, that negotiability can impart no 
 vitality to an instrument executed under a power, where the agent has exceeded his 
 actual or presumptive authority. Whoever proposes to deal with a security of anv 
 kind appearing on its face to be given by one man for another, is bound to inquire 
 whether it has been given by due authority, and if he omits that inquiry he deals at liLs 
 peril." 
 
 (6) Ancher v. Bank of England, 2 Doug. 638; Sigourney v. Lloyd, 8 B. & C 622, 
 5 Bing. 525. 
 
 (c) Haynes v. Foster, 2 Cromp. Sc M. 237 ; Foster v. Pearson, 1 Cromp. M. & 11 
 849. 
 
 \d) Haynes v. Foster, supra ; Foster v. Pearson, supra.
 
 120 NOTES AXD BILLS. [CIL V. 
 
 thority.(e) But it may be doubted whether the not requiring 
 the production of this authority would, of itself and of neces- 
 sity, be such an act of negligence as to affect his rights ; al- 
 though such seems to be the view held in some cases. 
 
 The unauthorized delivery of bills or notes payable to bearer 
 gives a bona fide holder the property in them, and a right to 
 call on all prior parties. (/) And the same rule applies to 
 negotiable notes or bills which are indorsed in blank ; for these 
 are equally transferable by delivery alone. 
 
 One having a general authority as agent, or a special au- 
 thority unlimited as to time, may be presumed to possess that 
 authority until there be notice of revocation. (g-) This notice 
 may be express, and proved by direct evidence ; or it may be 
 inferred from any circumstances, such as change of residence, 
 or of business, or lapse of time, or of any other kind, always 
 provided they are such as would suggest this revocation or 
 cessation of authority to a man of ordinary intelligence and 
 prudence. (/i) So the notice may be direct to the party deal- 
 ing with the agent, or general, by advertisement in a public 
 paper, and then the knowledge of it must be brought home to 
 
 (e) Attwood V. Munnings, 7 B. & C. 278. Bayley, J. : " This was an action upon 
 an acceptance importing to be by procuration, and, therefore, any person taking the 
 bill would know that he had not the security of the acceptor's signature, but of the 
 party professing to act in pursuance of an authority from him. A person taking such 
 a bill ought to exercise due caution, for he must take it upon the credit of the party 
 who assumes the authority to accept, and it would be only reasonable prudence to re- 
 quire the production of that authority." Holroijd, J. : " The word ' procuration ' gave 
 due notice to the plaintiffs, and they were bound to ascertain, before they took the bill, 
 that the acceptance was agreeable to the authority given." Littlcdale, J. : " It is said 
 that third persons are not bound to inquire into the making of a bill ; but that is not 
 80 where the acceptance a])pears to be by procuration." See Withington v. Herring, 
 5 Bing. 442. In Alexander v. Mackenzie, 6 C. B. 766, it was hid, that the acceptance 
 or indorsement of a hill of exchange expressed to be "per procuration" is a notice to 
 the indorsee that the i)arty so accepting or indorsing professes to act under an authority 
 from some ])rincipal, and imposes upon the indorsee the duty of ascertaining that the 
 party so accepting or indorsing is acting within the terms of sucli authority. 
 
 (/) Miller r. liacc, 1 Burr. 452. 
 
 (17) III ?>. Harrison, 12 Mod. .346, a servant had power to draw bills of ex- 
 change in his mast('r's name, and afterwards was turned out of tlie service. IJolf, C. 
 J.: " If he draw a bill in so little time after that the world cannot take notice of his 
 being out of sc^rvice, or if he were a long time out of his service, but that kept so 
 Hccret tliat the world cannot take notice of it, tlio bill, in tiiose cases, shall bind Uw 
 master." 
 
 (/i) Sec 1 Parsons on Cont. ."48, et sf/f.
 
 CH. v.] AGENTS. 121 
 
 him by such reasonable evidence, as that he takes the paper, 
 or reads it regularly, or was known to liave examined that very 
 paper.(A) 
 
 Deaih operates as a revocation of every agency or authority 
 which is not coupled with an interest, and in that way vested 
 in the agent. Even in that case, the deatli of the principal 
 revokes the authority so far that the agent can no longer use 
 the name of the principal, and must require the representatives 
 of the deceased to act for him. But if the authority be one 
 which the agent can execute in his own name, and be also 
 coupled with an interest, it is unaffected by the death of the 
 party. Whatever be the nature, ground, or extent of the au- 
 thority to act for another in his name, we should say, on gen- 
 eral principles, that his name, put to any negotiable paper, 
 or indeed to any instrument, after his death, although in ig- 
 norance and good faith, was a nullity. (A) 
 
 One who purports to act as an agent, but who transcends 
 his authority, or has no authority, is, as we have seen, per- 
 sonally liable ; but not as a party to the note or bill which 
 he so signs, hidorses, or accepts, if he signed expressly as agent ; 
 as. for example, " A, by B, his attorney." If B is not A's at- 
 torney, there is, strictly speaking, no signature to the note ; and 
 B is only liable for pretending to make a note when he did 
 not. But there are authorities which hold that here is a note, 
 and some one must be held upon it, and, as A cannot be, B 
 must he.{i) 
 
 (h) See 1 Parsons on Cont. 58, et seq. 
 
 (i) Tlie authorities upon this point cannot be reconciled. In Polhill v. Walter, 3 B. 
 & Ad. 114, it was held, that tiie defendant, who had accepted a bill for one Hancorno 
 without authority, was liable in a special action on the case, but not as acceptor. This 
 was upon the ground that no one can be liable as acceptor but the person to whom the 
 bill is addressed. In Wilson v. Barthrop, 2 M. & W. 86.3, the defendant, who was the 
 agent and clerk of a firm, drew a bill of exchange, and signed thereto the name of 
 the firm. Held, tbat the defendant was not liable as the drawer in an action on the bill, 
 his name not being affixed to it, without some proof that he had no authority to draw 
 bills in the name of the firm, or that he had not acted bona fide. And quaere, whether, 
 if it had been proved that he had no such authority, he would have been liable in an 
 action upon the bill. In Long v. Colburn, II Mass. 97, a promissory note was sub- 
 scribed thus : " Pro William Gill. J. S. Colburn." Held, that this was the promise 
 of Gill, if Colburn had the authority to make it ; and if not, that he would be liable to 
 the promisee in a special action on the case In Ballou v. Talbot, 16 Mass. 461, the 
 defendant made a promissory note, subscribed with his own name, but added to his 
 signature the words, " agent for David Perry." Hdd, that the defendant was not liable 
 
 v^V.. I 11
 
 122 NOTES AND BILLS [CH V. 
 
 As a general rule, one who acts professedly as a public agent, 
 and had authority so to act, is not liable, although the public fail 
 to perform the contract, unless circumstances indicate that it 
 was understood between him and the party dealing with him that 
 the contract was made on his personal credit. As, for example, 
 that an officer charged with the erection of some public building 
 induced laborers to engage in it by his promise that their wages 
 should be paid at all events, and whether funds were provided or 
 not. So if he drew bills or gave notes for the public, but with 
 
 on the note. If he acted without authority from Perry, he was liable in a special action 
 on the case. In Jefts v. York, 4 Cush. 371, the defendant made a promissory note 
 
 beginning, " For value received, the pastor and deacons of Church, in behalf of 
 
 said church, promise," &c. (Signed,) " S. D. York, agent for Church." Held, 
 
 that the defendant was not personally liable on the note, though he gave it without 
 authority. Biyelow, J. said : " It is impossible, upon any legal ground, to construe 
 the instrument as the individual note of the defendant. Had it been a note of this 
 tenor, ' I promise to pay A. B. one hundred dollars. S. D. York, agent for the Free- 
 will Baptist Society,' it might be plausibly contended, that, if the agency was unauthor- 
 ized, all the description of agent, &c. might be rejected, and the note be treated as the 
 individual note of York. But the note is in no sense, and in no manner of reading it, 
 a promissory note of York. In this instance, the body of the note contains tlie name 
 of the promisor, who alone is the stipulated party to the promise contained in the note." 
 See same case, 10 Cush. 392. In Grafton Bank v. Flanders, 4 N. H. 239, where A put 
 the name of B to a promissory note without any authority from B, and the note was 
 delivered to the payee for a valuable consideration, it was held, that under these circum- 
 stances the law would presume that A intended to bind himself ; that he might so bind 
 himself ; and that he was liable in an action against him in his true name on the note, 
 upon a count alleging that he made the note by the name of B. Sed quaire. In Sav- 
 age V. Rix, 9 N. H. 263, in an action on a promissory note, it was held, that if an agent, 
 in making a contract, fail to execute it in such a manner as to bind his principal, but 
 use apt words by which to make a contract for himself, whatever there may be which 
 indicates that he might be an agent must be regarded as description, and he will be 
 lialile as on his own ])ersonal contract. In Duscnbury i;. Ellis, 3 Johns. Cas. 70, the 
 defendant, having no authority for the purpose, made a promissory note, beginning, "I 
 promise," &c. (Signed,) "For Peter Sharpe, Gabriel Duscnbury, attorney." Held, 
 that the defendant was personally liable on the note. The court said : " If a ])erson, 
 under pretence of authority from another, executes a note in his name, ho is bound ; 
 and the name of the person for wiiom lie assumed to act will be rejected as surplusage." 
 In I'almer ». Stephens, 1 Denio, 471, the defendant, without authority, made a promis- 
 sory note, and signed thereto the name of Gideon Stephens, writing his own initials 
 under the signature. Held, tiuit the defendant was personally liable on the note. In 
 Ormsby v. Kendall, 2 Ark. .338, the defendant gave a note, beginning, "Steamer 
 Tccujnsch and owners promise," &(;. (Signed,) " F. C. Kendall." Held, that the 
 defendant was per.Koiially lialtle on the note, unless ho showed that he had authority 
 U) contract for the steamer and owners. See further, liobcrts v. Button, l4 Vt. 195; 
 Bunk of Hamburg v. Wray, 4 Strobli. H7 ; .Johnson );. Smith, 21 Conn. 627 And see 
 I Parsons on Cont. 57, note f.
 
 CH. v.] PARTNERS, 123 
 
 the same personal assurance, or guaranty ; or if such assurance 
 could be implied from the nature of the case.(J) 
 
 Questions have arisen as to what public officers have a right tc 
 accept bills. It is held that the Secretary of War can not accepi 
 bills drawn on him for supplies furnished, and bind the govern 
 ment.(j;') 
 
 SECTION V. 
 
 OF PARTNERS. 
 
 The relation of partnership, and the law which grows out of, 
 and which regulates, that relation, are very peculiar. Partly, it 
 is the law of agency, because each partner is the agent of the 
 whole firm, with full power to represent all the members, in all 
 transactions which relate to the business of the copartnership. 
 Partly, it is the law of property, because the several partners 
 own jointly all the copartnership property. It is, in fact, a sys- 
 tem of law excellently adapted to its precise scope and purpose, 
 and peculiar thereto. 
 
 A partnership exists when two or more persons combine their 
 property, labor, and skill, or one or more of these, in the trans- 
 action of .business, for their common profit. 
 
 The law clothes each partner with authority to bind all the 
 partners in all business transactions which actually concern the 
 firm ; or which are so far within the scope of the actual or pre- 
 tended business of the firm as to justify third parties in believing 
 them to belong to the business of the firm. And this applies to 
 signing, indorsing, accepting, presenting, demanding and receiv- 
 ing payment of, and discharging negotiable paper. And a part- 
 ner who accepts, in his own name, a bill drawn on a firm, binds 
 the firm. (A;) Nor is it any objection to a note given in good faith 
 
 (j) See 1 Parsons on Cont. 104, et scq. 
 
 (jj) 'I'lie Floyd acceptances, 7 Wallace, 666. 
 
 (^•) Mason v. Rumsey, 1 Camp. 384. In this case the bill was drawn upon " Messrs. 
 Rumsey & Co.," and accepted by T. Rumsey, Sen. It was contended for the defend- 
 ant, that, " if a bill was drawn upon a firm, it must be accepted in the name of the 
 firm, or by one partner for himself and his copartners ; otherwise the holder might 
 protest the bill, as the mere signature of a single partner was binding only upon 
 himself." But Lord Elleiihoroufjh said : " There is no foundation for the doctrine 
 contended for. This acceptance does not prove the partnership ; but if the defend- 
 ants were partners, they are both bound by it. For this purpose it would have been 
 enough if the Avord 'accepted' had been written on the bill, .and the effect cannot 
 ^e altered by adding ' T. Rumsey, Sen.' If a bill of exchange is drawn upon a 
 firm, and .accepted by one of the partners, he must be understood to exercise his 
 power to bind his copartners, and to accept the bill according to the terms in which
 
 124 NOTES AND BILLS. [CH. V. 
 
 for a partnership debt, that it was given without the knowledge 
 of the other partners. (/) And the signature of a partner, in the 
 name of the firm, to negotiable paper, for a transaction not in 
 their business, or their line of business, would bind the firm, if 
 the proceeds thereof were received and held by the firm, Ijecause 
 this would be a ratification. (m) But if the other partners did 
 not know of the transaction at the time, and, as soon as they did, 
 ga,ve up the proceeds and repudiated the contract, this would dis- 
 charge them. A considerable delay in giving notice of their dis- 
 sent, after they are informed of the transaction, would be equiv- 
 alent to their assent, and would bind them accordmgly.(w) 
 
 it is drawn " In Jenkins v. Morris, 16 M. & W. 877, a hill was drawn on " E. M. and 
 others, Trustees of Clarence Temperance Hall, Liverpool," and accepted thus : " Ac- 
 cepted, E. M." The defendants, with E. M. and another, were the trustees of a body 
 of persons associated together for the purpose of buildin<^ tlie Temperance Hall. E. 
 M. had authority from all the trustees to accept the bill on their behalf Held, that the 
 defendants were bound by the acceptance, though it did not siiow on the face of it that 
 E. M. intended to accept, not individually, but for himself and four others. Pollock, 
 C. B. said : " Mundy accepted the bill, and the jury found that he had authority from 
 all the trustees to do so. Then his acceptance did not import that he accepted merely 
 as an individual, but that he was the party whose hand performed that duly by direc- 
 tion of the rest; and the mere fact that he needlessly added his name to the acceptance 
 made no difference." In Dougal v. Cowles, 5 Day, 511, it was held, that the act of 
 drawing a bill of exchange, by one partner in his own name, upon the firm of which 
 he is a member, for the use of the partnership concern, is, in contemplation of law, an 
 acceptance of the bill, by the drawer, in behalf of the firm ; and the holder of the bill 
 may sustain an action thereon against the firm, as for a bill accepted. And see Beach 
 r. State Bank, 2 Ind. 488. 
 
 (/) Smith V. Lusher, 5 Cowen, 688. 
 
 (m) In Richardson v. French, 4 Met. 577, where an administrator, who was a mem- 
 ber of a partnership, applied to the concerns of the partnership money which belonged 
 to the estate of his intestate, and afterwards gave the note of the firm to the creditor of 
 the intestate, to whom such money was due, in discharge of such creditor's claim upon 
 the estate of tlie intestate ; it was held, that the firm was liable on the note, although 
 the money was not in tlie hands of the firm when the note was given. And .<ee Jaques. 
 V. Marquand, 6 Cowen, 497 ; Whitakcr v. Brown, 11 Wend. 75, 16 Wend. 505 ; Clay 
 V. Cottrell, 18 Penn. State, 408. 
 
 (n) Tlius, in Foster v. Andrews, 2 Penn. 160, it was held, that if a note be given b_ 
 one partn(!r in the name of the firm, for his, own private debt, and the other partner, 
 upon being informed of the transaction, does not dissent or give notice to the payee 
 tiiat he will luH l)e liable, he shall be bound. But in Elliott v. Dudley, 19 Barb. 326, 
 it was hild, that to render tlie firm liable under sucli circumstances, where there has 
 been no previous usage to justify such a tise of the pnrtnersbip invme, their subsequent 
 HHsent must !)e jjroved ; tiiat proof of knowledge of the transaction on tiuir jiart, after 
 it has taken place, and nothing more, is no proof of assent ; that they are not bound 
 to deny their liability until they are prosecuted. In (Jansevoort v. Williams, 14 Wend. 
 133, it was helil, tliut where one member oi a mercantile firm gives a note in »he name
 
 CH. v.] PARTNERS. 125 
 
 If a partner bj his signature defrauds the firm, this does not 
 discharge them from their liability to an innocent third party, 
 because their entering into partnership with the wrong-doing 
 partner enabled him to commit the fraud. (o) Not so where the 
 third party is not innocent, but is party or privy to the fraud ; 
 for then the firm is discharged. Thus, if one partner signs or 
 indorses a note with the partnership name, but in payment or 
 security of his private debt, and the taker knows it to be so, the 
 other partners are not bound without their assent, or some act 
 which justified the taker in supposing their assent; {p) and the 
 
 of the firm for his individual debt, the assent of the firm may be implied from facts 
 and circumstances ; an express assent need not be shown. In Mercein v. Andrus, 10 
 Wend. 461, it was held, that a partner is not liable to the payment of a note indorsed by 
 his copartner in the name of the firm, out of the course of the partnership concerns, 
 although he be present and hear the arrangement respecting the indorsement ; his assent 
 must be proved, and will not be presumed. And see Sweetser v. French, 2 Cash. 309. 
 
 (o) Catskill Bank v. Stall, T.5 Wend. 364; Whitaker v. Brown, 16 Wend. 505; 
 Hawes r. Dunton, 1 Bailey, 146; Bascom v. Young, 7 Misso. 1 ; Cotton n. Evans, I 
 Dev. & B. Eq. 284 ; Winship v. Bank of United States, 5 Pet. 529 ; Flemming v. Pres- 
 cott, 3 Rich. 307 ; Miller v. Manice, 6 Hill, 115 ; Duncan v. Clark, 2 Rich. 587 ; Em- 
 erson V. Harmon, 14 Maine, 271 ; Waldo Bank v. Lumbert, 16 Maine, 416 ; Parker v. 
 Burgess, 5 R. I. 277 ; Hopkins v. Boyd, 11 Md. 107. Tn Arden v. Sharpe, 2 Esp. 524, 
 Lord Kenyon said : " One partner certainly may indorse a bill in the partnership name ; 
 and if it goes into the world, and gets into the hands of a bona Jide holder, who takes 
 it on the credit of the partnership name, and is ignorant of the circumstances, though 
 in fact the bill was first discounted for that one partner's own use, in such case the 
 partnersiiip is liable." And see next note. 
 
 (p) The principle is clearly stated by Lord Kenyon in Wells v. Masterman, 2 Esp. 
 731 : " When a man enters into a partnership, he certainly commits his dearest rights to 
 the discretion of every one who forms a part of that partnership in which he engages ; 
 and if a bill is drawn upon the partnership in their usual style and firm, and it is 
 accepted by one of the partners, it certainly binds the partnership to the payment of it; 
 but if a man has dealings with one partner only, and he draws a bill on the partnership 
 on account of those dealings, he is guilty of a fraud, and in his hands the acceptance 
 made by that partner would be void ; but it would be otherwise in the case of a bona 
 ^fide indorsee. In his hands, the acceptance of one of the partners binds the partner- 
 ship, as he is ignorant of the circumstances under which it was created, and takes it on 
 the credit of the partnership name." To the same eflfcct is SliirrefF v. WiJks, 1 East, 
 48. It was there held, that two (of three) partners, who had contracted a debt prior to 
 the admission of the third partner into the firm, could not bind him without his assent 
 by accepting a bill drawn by the creditor upon the firm in their joint names ; but such 
 security is fraudulent and void as against the third partner. And see Ex parte Gould- 
 ing, 2 Glyn & J. 118; Ex parte Bonbonus, 8 Ves. 540; Green v. Deakin, 2 Stark. 
 347. The same rule is settled in this country by a great number of cases. See Liv- 
 ingston V. Hastie, 2 Caines, 246 ; Lansing v. Gaine, 2 Johns. 300 ; Livingston v. Roose- 
 velt, 4 Johns 251; Dob v. Halsey, 16 Johns. 34; Foot ;;. Sabin, 19 Johns. 154 
 Laverty v. Burr, 1 Wend. 529 ; Williams v. Walbridge, 3 Wend 4l.''j ; Bank of 
 11*
 
 126 NOTES AND BILLS. [CH. V. 
 
 admissions of the partner signing are no evidence to prove the 
 assent of the others. (<7) In this country it is clearly settled that 
 the taker must prove the assent of the other partners, for prima 
 facie such a transaction is a fraud both on the part of the debtor 
 
 Rochester v. Bowen, 7 Wend. 158 ; Gansevoort v Williams, 14 Wend. 133 ; Joyce v. 
 Williams, U Wend. 141; Wilson v. Williams, 14 Wend. 146; Whitaker n. Brown, 
 16 Wend. 505 ; Huntington v. Lyman, 1 D. Chip. 438 ; Chazournes v. Edwards, 3 
 Pick. 5 ; Munroe v. Cooper, 5 Pick. 412 ; Baird v. Cochran, 4 S. & R. 397 ; Cotton t;. 
 Evans, 1 Dev. & B , Eq. 284; Weed v. Richardson, 2 Dev. & B 535; Mauldini'. 
 Branch Bank, 2 Ala. 502 ; Smyth v. Strader, 4 How. 404 ; Long r. Carter, 3 Ired. 238 ; 
 N. Y. F. Ins. Co. v. Bennett, 5 Conn. 574 ; Andrews v. Planters' Bank, 7 Smcdes & M. 
 192 ; Rogers y. Batchelor, 12 Pet. 221 ; Clay v. Cottrell, 18 Penn. State, 408 ; Lanier t\ 
 McCabc, 2 Fla. 32. In Livingston v. Roosevelt, 4 Johns. 251, it appeared that in 1803 
 A and B entered into partnership as sugar-refiners, and published in two of the Gazettes 
 printed in the city of New York (and which were taken by C), that they had entered 
 into partnership in the sugar-refining business, under the firm of A & Co. In April, 
 1805, B, without the knowledge or consent of A, purchased a quantity of brandy of C, 
 for which he gave his individual note payable to the firm, and indorsed by him with the 
 name of the firm. The bill of parcels, by the direction of B, was made out in his name 
 only, and the brandies were shipped to the West Indies in a vessel belonging to B, 
 and on his own account ; and C, in order to obtain the drawback, made oath at the 
 custom-house that the brandy was sold to B. A and B had entered the name of the 
 firm at two of the banks in the city of New York, and B drew checks and made and 
 indorsed notes in the name of the firm, which were regularly paid, and the banks had 
 considered A and B as general partners. C, when he sold the brandy, required the 
 partnership security, and it did not appear that he knew of the limitation, until after its 
 dissolution in June, 1805, notice of wliich was also published in two of the newspapers. 
 Held, that the partnership was not liable on the note. In Davenport v. Runlett, 3 
 N. H. 386, R. and T. were partners in trade, and while they were thus jjartners, T. 
 boarded with D. and gave to the latter a note, in the name of the firm, for the price of 
 the board, without the knowledge of R. Held, that the personal expenses of partners 
 could not be presumed to be a partnership concern, and that R. could not be held upon 
 the note, until the plaintiff should show affirmatively that T. had authority thus to bind 
 the firm. In Gansevoort v. Williams, 14 Wend. 133, where, upon the renewal of an 
 accommodation note, the borrower presented to his accommodation indorser for signa- 
 ture a note to whicli he had affixed the name of a firm of which he had recently become 
 a member, as makers ; it was held, that the indorser was chargeable with notice that the 
 note was given for the individual debt of the borrower, and could not, upon the dis- 
 honor of the note, recover against the firm. In Tanner v. Hall, 1 Penn. State, 417, 
 where a partner made a note in his own name in favor of a third person, who indorsed 
 it for his accommodation, and the partner then added the indorsement of his firm, and 
 had the note discounted at a bank and the proceeds carried to his separate account ; it 
 was hid, that the hank was chargeable with notice that the transaction was not within 
 tJic course of the partnership business. And see Manning v. Hays, 6 Md. 5. In Coop- 
 er V. McClurkan, 22 Penn. State, 80, where a partner drew a bill of exchange in the 
 name of the (irni on liimsclf, payable to the order of the firm, accei)tcd it in his own 
 name, indorsetl it in the name of the firm, and placed it in the liaiids of a bill-broker, 
 
 (<y) Hickman v. Rcincking, 6 Blackf. 387.
 
 CH. v.] PARTNERS. 127 
 
 and the creditor. (r) In England, it seems, perhaps, that this 
 authority is presumed until they prove the contrary. (5) We 
 have some doubt, however, whether the authorities which indi- 
 cate this can be sustained upon any well-established principle ; 
 and we regard them as departing from the rule applied by Lord 
 Kenyon and Lord Eldon.{t) 
 
 who negotiated it ; it was held, that the form of the bill was sufficient to put the holder 
 upon inquiry, and that the firm might defend by showing that it was not a partnership 
 transaction, but that the bill was drawn and negotiated by the partner for his individual 
 use. But in Ihmsen v. Negley, 25 Penn. State, 297, where an individual, who was a 
 member of two firms, made a note in the name of one firm, payable to himself, and 
 indorsed it with the name of the other firm ; it was held, that this was not such a case 
 as to require the plaintiff, a holder for value before maturity, to prove the assent of the 
 partners to such indorsement, or that the proceeds were applied to the benefit of the 
 firm. See Murphy v. Camden, 18 Misso. 122. And see ante, p. 108, note w. 
 
 (r) Dob V. Halsey, 16 Johns. 34 ; Foot v. Sabin, 19 Johns. 154 ; Sweetser v. French, 
 2 Cush. 309; Kemeys v. Richards, 11 Barb. 312; Noble v. M'Clintock, 2 Watts & S. 
 152 ; Mecutchen v. Kennady, 3 Dutch. 230. And see cases, supra. 
 
 (s) We state this upon the authority of Swan v. Steele, 7 East, 210, and Ridley v. 
 Taylor, 13 East, 175. 
 
 {t) In Swan v. Steele, A, B, and C traded under the firm of A & B in the cotton 
 business, C not being known to the world as a partner ; and A & B traded as part- 
 ners alone under the same firm in the business of grocers, in which latter business they 
 became indebted to D, and gave him their acceptance, which, not being able to take 
 up when due, they, in order to provide for it, indorsed in the common firm of A & B 
 a bill of exchange to D, which they had received in the cotton business, in which C 
 was interested ; but such indorsement was unknown to C, of whom D, the indorsee, 
 had no knowledge at the time. Held, that such indorsement in the firm common to 
 both partnerships of a bill received by A & B in the cotton business bound C, their 
 secret partner in that business, and that consequently C was liable to be sued by D 
 on such indorsement, the latter not knowing of the misapplication of the partnership 
 fund at the time. In Ridley v. Taylor, it was held, that if one partner draw or indorse 
 a bill in the partnership name, it will prima facie bind the firm, although passed by the 
 one partner to a separate creditor in discharge of his own debt ; unless there be evi- 
 dence of covin between such separate debtor and creditor, or at least of the want of 
 authority, either express or to be implied, in the debtor partner to give the joint secu- 
 rity of the firm for his separate debt. Lord Ellenhorough placed considerable reliance 
 upon the special circumstances of the case. He said : " This bill had an existence, 
 according to its apparent date, eighteen days before the time of its delivery to the 
 plaintiffs ; it was drawn for a sum considerably exceeding the debt, and was not only 
 drawn and indorsed, but accepted also, before it was produced to them ; and although 
 it is stated in the case, that in fact the bill was drawn and indorsed by Ewbank in the 
 partnership firm, it does not appear that the plaintiffs knew that it was drawn and 
 indorsed by him. Under these circumstances it might reasonably be supposed, by the 
 party to whom it was given, to be a partnership security, of which Ewbank, the partner 
 in possession of it, had for some valuable consideration, or in virtue of some arrange- 
 ment with Ord, the other partner, become the proprietor, so as to be authorized to deal 
 with it as his own. At any rate, the contrary does not either actually or presump- 
 tively appear." See Green v. Dcakin, 2 Stark. 347.
 
 128 NOTES AND BILLS. [CH. V 
 
 One who indorses such a note as surety, in the belief that it is 
 good against the partnership, will not be liable to a holder who 
 knew that it was made for the private debt of one partner, with- 
 out the authority or assent of the rest.(M) If the surety, when 
 he indorsed the note, knew the circumstances under which it was 
 made, he will be liable ; but the burden of proof is on the holder 
 to show that the surety had this knowledge. (v) 
 
 A bill or note made by one partner in the name of the firm, 
 will be presumed to have been made in the course of partnership 
 dealings ; and if the other partners seek to avoid its payment, the 
 burden of proof lies upon them to show that it was given in a 
 matter not relating to the partnership business, and that with the 
 knowledge of the payee. (w) And it is immaterial as to this, 
 whether the partnership be a limited or a general one. (a:) 
 
 If the action be brought by a subsequent indorsee against 
 the partnership, and the defendants show that the note was 
 executed in fraud of the firm, as between the partner executing 
 it and the payee, it has been held, in this country, that this 
 will throw the burden of proof upon the plaintiff to show that 
 he came by the note fairly, and without knowledge of the 
 fraud. (?/) But it has been held otherwise in England. (2^) 
 
 («) Livingston v. Hastie, 2 Caines, 246 ; Chazouvnes v. Edwards, 3 Pick. 5 ; Williams 
 V. Walbridge, 3 Wend. 41.5. See Bowen v. Mead, 1 Mich. 432. 
 
 (y) Chazournes v. Edwards, 3 Pick. 5. 
 
 (w) Doty V. Bates, 11 Johns. .544 ; Whitaker v. Brown, 16 Wend. 505 ; Foster u. 
 Andrews, 2 Penn. 160; Ensminger v. Marvin, 5 Bhickf. 210; Knapp v. McBride, 7 
 Ala. 19; Thur.-^ton v. Lloyd, 4 Md. 283; Manning v. Hays, 6 Md. 5; Hamilton v. 
 Summers, 12 B. Mon. 11. 
 
 (t) Barrett v. Swann, 17 Maine, 180 ; Holmes v. Porter, 39 Maine, 157. 
 
 (.(/) Munroc v. Cooper, 5 Pick. 412 ; Bank of St. Albans v. Gilliland, 23 Wend. 31 1 ; 
 Bank of Vcrgennes v. Cameron, 7 Barb. 143. And f^ec post, chapter on Holder. 
 
 («) Musf;ravc v. Drake, 5 Q. B. 185. In this case it was proved that all the defend- 
 ants were partners, and that one of them, who had suffered judgment by default, had 
 accepted the bill in the name of the firm, in fraud of the pnrtnersliip, and not for part- 
 nership purposes, field, that such proof, without evidence of knowledge on the part 
 of the plaintiff, did not oblige him to prove the circumstances under which the bill was 
 indorsed to him. The question arose, under the new rules of pleading, upon an issue 
 joined U[)on a plea of non accqnl. Lord Deniimn said : " We have taken pains to ascer- 
 tain what, as understood in the other courts, would be the course at Nisi Prius on the 
 trial of such an issue as this. Wo find that the other courts agree in our view, which 
 is this: Where issue is joined on a plea of non accepit, and the )>roof offered of the 
 acceptance is the signature of one partner competent to bind the firm, then, though the 
 defendants show that this signature was a fraudulent act on the part of such partner, 
 yet if the proof docs not affect the plaintiff with knowledge of the fraud, that does not
 
 CH. v.] PARTNERS. 129 
 
 The autliority of one partner to bind another, by signing 
 bills and notes in their joint names, is only an implied au- 
 thority, and may be rebutted by express previous notice to the 
 party taking such security from one of them, that the other 
 would not be liable for it. And this, though it were repre- 
 sented to the holder by the party signing such security, that 
 the money advanced on it was raised for the purpose of being 
 applied to the payment of partnership debts ; and though tho. 
 greater part of it were in fact so applied. (a) 
 
 It has been lield, that if a bill was accepted in a partnership 
 name, and the proceeds were intended and applied for the ex- 
 clusive benefit of the partner signing it, with the knowledge 
 of the holder as to a part of the proceeds, he can recover of 
 the partnership the remainder of the bill, in relation to which 
 he did not know that it was applied to the private benefit of 
 one partner alone, on the ground that the objection of fraud 
 does not apply to this part. (6) But we think this decision open 
 to question. 
 
 It has also been held, that a note in the words, " I promise 
 to pay," &c., signed by one member of a firm for the rest, as 
 
 put the plaintiff to an answer, nor make it necessary for him to give any explanation 
 or account of the transaction." But see Grant v. Hawkes, Chitty on Bills, 9th ed., 
 42, note c. 
 
 (a) Galhvay v. Mathew, 10 East, 264, 1 Camp. 403. Lord Ellenborough said: "The 
 general authority of one partner to draw bills or promissory notes to charge another is 
 only an implied authority ; and that implication was rebutted in this instance by the 
 notice given by Smithson, who is now sought to be charged, which reached the j)lain- 
 tiff, warning him that Mathew had no such authority. It is not essential to a part- 
 nership that one partner should have power to draw bills and notes in the partnership 
 firm to charge the others ; they may stipulate between themselves that it shall not be 
 done, and if a third person, having notice of this, will take such a security from one 
 of the partners, he shall not sue the others upon it in breach of such stipulation, nor in 
 defiance of a notice previously given to him by one of them, that he will not be liable 
 for any bill or note signed by the others." See further. King v. Faber, 22 Penn. State, 
 21 ; per ColJen, Senator, in Smith v. Lusher, 5 Cowen, 688 ; 1 Parsons on Cont., pp. 
 157, 158. 
 
 (b) Wintle v. Crowther, 1 Cromp. & J. 316. See Wilson v. Lewis, 2 Man. & G. 197. 
 In Gamble v. Grimes, 2 Ind. 392, a bill of exchange was drawn on a firm, and was 
 accepted by one of the partners in the name of the firm. The bill included an indi- 
 vidual debt due by the partner accepting, and also a debt due by the firm. Held, that 
 the drawers of the bill could recover on the bill the amount of the firm debt included 
 in it. In King v. Faber, 22 Penn. State, 21, it was held, that a partner cannot render a 
 firm liable for a note for his individual debt, by including within it a debt of the firm 
 forming a small portion of it. 
 
 Vol. L— I
 
 130 NOTES AND BILLS. [CH. V 
 
 "A. B., for C. D., E. F.," &c., will bind the whole firm.(c) So 
 if the note begin, " I promise to pay," &c., and be signed with 
 the partnership name, as " A. B. & Co.," it will bind the firm.(f/) 
 A partner drawing bills or notes for the firm in a fictitious 
 name, and indorsing them with the partnership name, the pro- 
 ceeds being applied to partnership purposes, binds all the part- 
 ners by the indorsement. (e) And so he does, it seems, although 
 the money be not so applied, if the bills or notes were indorsed 
 to a bona fide holder, in the line of the firm's business. But if 
 a bill is drawn by one partner in his own name, and the name 
 or style of the copartnership is not on the paper, the members 
 of the firm will not be liable as drawers, even if the purpose of 
 the bill was to raise money for the firm, and the money was so 
 applied.(/) 
 
 (c) Gallway v. Mathew, 10 East, 264, 1 Camp. 403 ; Staats v. Hewlett, 4 Denio, 5.59. 
 In Hall V. Smith, I B. & C. 407, where a promissory note beginning, " I promise to 
 pay," was signed by one member of a firm for himself and his copartners ; it was held, 
 that the holder might charge either the signing partner or the firm, at his election. 
 But this case was overruled in Ex parte Buckley, in re Clarke, 14 M. & W. 469, 
 where it was held, that the holder of such a note bad not a separate right of action 
 against the partner so signing, but that the firm alone were liable. Parke, B. said : 
 " This is prima facie a promise by one partner, for himself and the other three partners, 
 and it amounts to one promise of the four persons constituting the firm ; and if Mitch- 
 ell had authority, the firm is bound. I really must say that 1 think Hall v. Smith can- 
 not be supported. The partner, in making the promise, is only an agent for the firm. 
 Then does it bind him personally, or does it bind the firm? No doubt the instrument 
 was intended to bind the firm ; and as he had authority as a partner to do it, it had 
 that effect." See Maclae v. Sutherland, 3 Ellis & B. 31 ; Ex parte Christie, 3 Mont. 
 D. & De G. 736. 
 
 {d) Doty V. Bates, 11 Johns. 544. 
 
 (e) Thicknesse v. Bromilow, 2 Cromp. & J. 425. 
 
 (/) Siffkin V. Walker, 2 Camp. 308. In this case it was held, that if a promissory 
 note appears on the face of it to be the separate note of A only, it cannot be declared 
 on as the joint note of A and B, though given to secure a debt for which A and B 
 were jointly liable. Lord Eltenborour/h sai<l : " How can I say that a note made and 
 signed by one in his own name is the note of him and another person neither mentioned 
 nor n^fcrred to?" In Emly v. Lye, 15 East, 7, where one of two partners drew l)iils 
 of cxcjiiinge in liis own name, wliich he procm-ed to be discounted with a banker 
 through the medium of the Kame agent who procured the discount of other bills drawn 
 in the partnership firm with the same banker, and the proceeds were carried to the 
 partfi'T-liip account ; it was held, that the banker had no remedy against the partner- 
 ship, either upon the bills so drawn by the single partner, or for money had and re- 
 ceived througli the medium of such bills ; the money having been advanced solely on 
 the security of the parties whose names were on the bills by way of discount, and not 
 hy way of loan to the [mrinersliip ; though the banker conceived at the time that all 
 the bills were drawn on the partnership account. And see Ex yartc P-mly, 1 Koso,
 
 en. v.] PARTNERS. 133 
 
 It sometimes happens that the business of the copartnership 
 is conducted under the name of one of the partners, the firm 
 having no other name or style ; and then it may be difficult 
 to discriminate between notes made or indorsed by him as 
 an individual, and tliose intended to bind tlie copartnersliip. 
 From the reason of the case and the authorities, the following 
 rules may be applicable to questions of this kind. 
 
 In the first place, if the partner signs the paper in the business 
 of the firm, and intending to sign as a partner, this is the 
 firm's paper. (.g-) And if the paper be signed in fact in the 
 business and for tlie benefit of the firm, the other partners 
 cannot deny their obligation, merely because the signer intend- 
 ed the paper should be taken as his own, unless it was in fact 
 taken on his private account, knowingly and intentionally on 
 the part of the holders. But in this country the burden of 
 proof is upon the plaintiff to show that the paper was given 
 in the business and for the use of the firm ; for it will be in- 
 tended, prima facie, to have been given in the separate business 
 of the partner signing it, and to be binding upon him alone ; 
 
 61 ; Bawden v. Howell, 3 Man. & G. 6.38 ; Holmes v. Burton, 9 Vt. 252 ; Giaeff v. 
 Hitchman, 5 Watts, 454 ; Logan v. Bond, 13 Ga. 192 ; Hammond v. Aiken, 3 Rich. 
 Eq. 119. In Haldeman v. Bank of Middletown, 28 Penn. State, 440, a draft was 
 drawn in the firm name by one of the partners, payable to his own order, and by him 
 indorsed in his own name to one who supposed it was for the purposes of the firm. 
 The partner applied the money to his private use Held, that the firm was liable. 
 
 (g) South Carolina Bank v. Case, 8 B. & C 427. In this case A, B, and C carried 
 on business in copartnership as factors and commission-merchants in England and 
 America ; in England, under the firm of A, C, & Co. ; in America, in the name of C 
 alone. When C went to America he had written instructions from his partners, one of 
 which was : " It is understood that our names are not to appear on either bills or notes 
 for the accommodation of others, and that they should appear as little as possible on 
 paper at all, and then only as regards direct transactions with the house here." A, B, 
 and C, in order to obtain consignments from America, made advances or granted 
 drafts or bills of exchange, or indorsements of them, to their principals, on the security 
 of the goods consigned. In order to obtain a consignment from W., C in his own name 
 indorsed bills for him, which were to be provided for by others drawn by W. on A, C, 
 & Co. in England, which were to be provided for by the proceeds of the consignmenu 
 Before the latter bills were presented for acceptance, A and B had become bankrupts. 
 Held, that the indorsement of the bills by C must be considered as an indorsement by 
 the firm, and that they were liable upon those bills. — But where A and B were part- 
 ners in a trade carried on in the name of A only, and A drew bills in his own name 
 payable vo his order, which he indorsed, and afterwards B also indorsed and procured 
 them to be discounted, it was held, that A and B were not liable upon the bills jointly, 
 n'tles* it appeared that A drew and indorsed the bills in the character of, and as repre- 
 senting, A and B. Ex parte Bolitho, Buck, 100.
 
 13^ NOTES AND BILLS. [CH. V. 
 
 at least if he is -ilso engaged in business on his own separate 
 account. (A) 
 
 If the note be signed actually for his private account, and the 
 money be so applied, the partners are not liable, unless the 
 holder can prove that he took the signature to be that of the 
 partnership, and was justified in so regarding it by the acts or 
 words of the partner making it, or by the other partners, or by 
 the course of their business. (2) If a third person, believing such 
 a note to be binding on the partners when it is not, sign or in- 
 dorse it as surety, he will not be liable thereon to one who knew 
 that it was valid only against one partner. (j) 
 
 If the partner obtained the money by representing the signa- 
 ture to be that of the firm, but misapplied the money, this may 
 
 (h) Thus, in Manufacturers', &c. Bank v. Winship, 5 Pick. 11, it was AeW, that, 
 where a partnership was carried on in the name of an individual, a note in common 
 form, signed by such individual, did not prima facie bind his copartners ; and that upon 
 the question whether it was given for the use of the copartnership, the burden of proof 
 was on the holder. So in Mercantile Bank v. Cox, 38 Maine, 500, it was held, that if 
 A and B are doing business as partners under the name of A alone, and a bill of ex- 
 change is drawn upon A and accepted by him, it is prima facie binding upon A, and 
 not upon the firm. So in Boyle v. Skinner, 19 Misso. 82, where a note was made pay- 
 able to J. A. H., and there was a firm composed of J. A H. and others, doing business 
 under the style of J. A. H., but no evidence was offered to show to whom or on what 
 account the note was given ; it was held, thnt it should be presumed to have been given 
 to J. A. H. individually. And see, to the same effect, U. S. Bank v. Binney, 5 Mason, 
 176 ; Buckner v. Lee, 8 Ga. 28.5; Bank of Rochester v. Monteath, 1 Denio, 402. In 
 Furze v. Sharwood, 2 Q. B. .388, which was an action against several defendants as in- 
 dorsers of bills of exchange. Lord Denmnn said : " The defendants appear to have been 
 trustees under a deed, by the ()rovisions of which they were to carry on a business in 
 the name of Samuel Maine. They did so, and employed Samuel Maine himself to con- 
 duct the business Their firm, therefore, so to speak, was Samuel Maine. The in- 
 dorsement of l)ills was necessary and incidental to the carrying on such business. 
 Prima facie, therefore, the signature ' Samuel Maine ' was their signature, and they 
 would be liound by it. But it is said that Maine carried on a separate business of his 
 own, aTul that the ])hiintiff was bound to show that the indorsements in question were 
 on account of the business of tlie trustees, and not in his separate business. Now it 
 apljcars that the bills were discounted with persons who were in the habit of discount- 
 ing for the former firm, who assigned their effects to the defendants as trustees ; and, 
 moreover, tliat the bills in question were not discounted till after Maine luid ceased 
 to carry on his separati; business. Under these circumstances we tliink tiiat the onus of 
 showing that the indorsements were made on account of the separate business, and not 
 on that of the trustees, which was the general and ostensible business, lay on the 
 defendants." 
 
 (i) U. S. Bank v. Binney, 5 Mason, 176 ; Buckner v. Leo, 8 Ga. 28.5 ; Woodward 
 V. Winship, 12 I'ick. 4:)0. 
 
 ( /) Livingston v. Ilastic, 2 (/aines, 246; Chazournes v. Edwards, ,3 Pick. 5; Wil 
 liarns v. Walhridge, .3 Wend. 41.5.
 
 CH. v.] PARTNERS. 133 
 
 be a fraud on the partners, but it will be a fraud winch the part- 
 nership enabled him to commit, and the other partners will be 
 liable, unless the holder had notice or knowledge, or sufficient 
 means of knowledge, of the intended fraud. (^) If the other 
 members knew that the transaction was done in the name of the 
 firm, and do not dissent or object when they may, they will be 
 liable on the note, although they did not know that the purchase 
 was made on credit, and even if the purchase were not properly 
 within the authority of the party making it.(/) 
 
 Partners, as between themselves, may enter into any lawful 
 stipulations they like, and these are binding upon them ; but the 
 law interferes in respect to them, when the question is between 
 the partners and a third party. The rule is this : If a partner, 
 by agreement with his copartners, has no authority to sign for 
 them at all, or none to sign for them in a particular case, and 
 nevertheless does sign for them, this binds the partners as to all 
 third parties who did not know of the agreement or want of au- 
 thority, (m) But it is fraud on the part of that partner against 
 the other partners ; and one who takes papers so signed, witli a 
 knowledge of the agreement, has a knowledge of the fraud also, 
 (for a mistake as to the law or the legal rights of the parties 
 cannot help him,) and he is, therefore, a party or privy to the 
 fraud, and cannot hold the other partners. 
 
 In general, as we have seen, however a partner may transcend 
 his authority or violate his stipulations with his partners, this is 
 no defence for them against an innocent party ; and even securi- 
 ties which are void as against the firm in the hands of those who 
 knew the fraud in which they originated, may be good in the 
 hands of innocent holders for value. But, on the other hand, if 
 a firm sues on a note or bill, a good defence against any one part 
 ner is a good defence against all ; and this even i¥ it rest on his 
 fraud, of which they were not cognizant or participant. Thus, 
 if one partner relieves an acceptor of his responsibility, this dis- 
 charges him as to all, although it was a fraudulent act of the 
 partner. (/*) And this rule has been applied where A indorsed to 
 
 {k'l U. S. Bank v. Binney, 5 Mason, 176 ; Buckner v. Lee, 8 Ga. 285. 
 (/) Woodward v. Winship, 12 Pick. 430. 
 
 (m) Kimbro v. Bullitt, 22 How. 256 ; Winship v. Bank of United States, 5 Pet. 529; 
 Miller V. Hughes, 1 A. K. Marsh. 181 ; Gall way v. Mathew, 10 East, 264. 
 
 (n) Thus, in Richmond v. Heapy, 1 Stark. 202, one of three partners undertook to 
 VOL. I. 12
 
 134 NOTES AND BILLS. [CH. V. 
 
 a firm ol* A, B, Si C, a bill drawn in his own name on D, and ac- 
 cepted. A had given D his promise in writing to provide for the 
 bill, and it was held, in a suit by the firm against the drawee, 
 that A's promise bound the other partners. (o) Perhaps, how- 
 ever, the other partners might have some relief in equity. (/?) 
 
 provide for two bills of exchange, drawn by the three partners, and accepted by a 
 fourth person when they should become due. Held, that such acceptances would not 
 support a commission of bankruptcy, on the petition of the three partners against the 
 acceptor ; although the conduct of the partner might, as against his copartners, have 
 been fraudulent. Lord EUenhoronyh said : " Suppose that an action had been brought 
 by the three partners on these bills, would it not have been an answer that one of the 
 plaintiff's had promised to provide for the bills ? Are they not bound by his acts 
 when they are to recover by his strength ? " The principle was carried very far in 
 Jacaud v. French, 12 East, 317 Jacaud being partner with Blair in one mercantile 
 house, and with Gordon in another, the house of Blair & Jacaud indorsed a bill of 
 exchange to the house of Jacaud & Gordon ; after which Blair, acting for the house of 
 Blair & Jacaud, received securities to a large amount from the drawer of the bill, upon 
 an agreement by Blair that the bill should be tjiken up and liquidated by his house, 
 and, if not paid by the acceptors when due, should be returned to the drawer. Held, 
 that, the securities being paid and the money received by Blair in satisfaction of the bill, 
 Jacaud was bound by this act of his partner Blaii", whether in fact known to him or not 
 at the time, not only in respect of his pattnership interest in the house of Jacaud & 
 Blair, but also individually in other respects ; and therefore that he together with 
 Gordon, his partner in the other house, could not maintain an action as indorsees and 
 holders of the bill against the acceptors, after such satisfaction received through the 
 medium of, and by agreement with, Blair in discharge of the same. Lord Ellmhorough 
 said : " Jacaud, being a partner with Blair, must be considered as having, together with 
 Blair, received money from the drawers to take up this very bill. How then cnn he, 
 because he is also a partner with Gordon in another house, be permitted to contravene 
 his own act, and sue upon this bill, which has been already satisfied as to him ? If A 
 and B, partners, receive money to apply to a particular purpose, A and C, in another 
 partnership, could never be permitted to contravene the receipt of it for that purpose, 
 and apply it to another." Batjlry, J. said : " Jacaud is not to be considered as a bona 
 fule. holder of this bill, because he has in cfTect, by the act of his partner Blair, received 
 money for the purpose of taking it up, which ought to have been so applied " 
 
 (o) Sparrow <». Chisman, 9 B. & C. 241. 
 
 ( />) In Jones v. Yates, 9 B. & C. 532, which was an action of trover by the assignees 
 of Sykes & Bury, to recover for three bills of exchange which had belonged to Sykes & 
 Bury, and had been indorsed by Sykes, in fraud of the firm, for the ]jayment of his 
 private debt, Lord Toilcrdtn said : " We are not aware of any instance in which a 
 ])erson has been allowed, as plaintiff in a court of law, to rescind his own act, on the 
 ground that such act was a fraud on some other jjerson ; whether the party seeking to 
 do this has sued in his own name only, or jointly with such other person. It was well 
 oln<;rved on behalf of the dcfcnihints, that where one of two persons, who have a joint 
 right of action, dies, the right then v(!st.s in the survivor, so that in this case (if it bo 
 held thai Sykes & Hury may sik;), if Hury had died before Sykcvs, Sykes might have 
 Biied aloTie, and thus for his own benefit have avoided his own act by alh^ying Iiis own 
 iiiiHcoriduct. ']'hc dcfraudrd partner may, pi!rha|)s, have a remedy in e()uity, by a .suit 
 in his own name, a^iainst his partner ami th(! jx-rson with whom the fraud was com- 
 niitted. Such a suit is free from the inconsistency of a jiarty suing on the ground of
 
 CH. V.J PARTNERS. Ie35 
 
 In general, or at least frequently, a holder who takes security 
 from one or more partners liable on negotiable paper discharges 
 the rest. But it would seem that a holder who, in good faith, 
 and by an express bargain, retains the original paper, and re- 
 serves his rights against all the partners, may revert to them if 
 the security prove ineffectual. (g) 
 
 If a partner, intending to use the name of the firm, make a 
 slight and unimportant variation in it, the firm is still bound ; 
 but not if the variation be material. (r) If a bill, however, be 
 drawn upon a partnership, and accepted by one partner for part- 
 nership purposes, but in his own name, the acceptance binds the 
 firm; (s) and even a bill drawn by one partner on his own firm, for 
 a partnership debt, will be valid, and held as an accepted bill.(^) 
 
 his own misconduct. Tiiere is a great ditfeience between this case and that of an 
 action brought against two or more partners on a bill of exchange fraudulently made 
 or accepted by one partner in the name of the others, and delivered by such partner to 
 a plaintiff in discharge of his own private debt. In the latter case, the defence is not 
 the defence of the fraudulent party, but of the defrauded and injured party. The 
 latter may, without any inconsistency, be permitted to say in a court of law, that 
 although the partner may for many purposes bind him, yet that he has no authority to 
 do so by accepting a bill in the name of the firm for liis own private debt. The party 
 to a fraud, he who profits by it, shall not be allowed to create an obligation in another 
 by his own misconduct, and make that misconduct the foundation of an action at law" 
 
 (q) Evans v. Drummond, 4 Esp. 89 ; Bedford v. Deakin, 2 Stark. 178, 2 B. & Aid. 
 210 ; Thompson v. Percival, 5 B. & Ad. 925 ; Estate of Uavis & Desauque, 5 Whart. 
 530; Yarnell v. Anderson, 14 Misso. 619; Vernon v. Manhattan Co., 22 Wend. 183; 
 Parker v. Cousins, 2 Grat. 372. But see contra, Isler v. Baker, 6 Humph. 8.5. 
 
 (r) Williamson v. Johnson, 1 B, & C. 146. In Faith v. Richmond, 11 A. & E. 339, 
 it was held, that where a partner, accustomed to issue notes on behalf of the firm, 
 indorses a particular note in a name differing from that of the partnership, and not pre- 
 viously used by them, which note is objected to on that account in an action brought 
 upon it by the indorsee ; the proper question for the jury is, whether the name used, 
 though inaccurate, substantially describes the firm, or whether it so fiir varies that the 
 indorser must be taken to have issued the note on his own account, and not in the ex- 
 ercise of his general authority as partner. In that case a partner in " The Newcastle 
 and Sunderhind Wall's End Coal Company " drew a note in the name of " The New- 
 castle Coal Company," and made it payable at a bank where the first-mentioned com- 
 pany had no account. A verdict for the defendants was not disturbed. In Kirk v. 
 Blurton, 9 M. & W. 284, it was held, that a partner has no implied authority by law 
 to bind his copartners by his acceptance of a bill of exchange, except by an acceptance 
 in the true style of the partnership. Therefore, where a firm consisted of .J. B. and 
 C. H., the partnership name being " J. B." only, and C H. accepted a bill in the 
 name of " J. B. & Co.," it was held, that J. B. was not bound thereby. See Maclae v. 
 Sutherland, 3 Ellis & B. 31. 
 
 (s) Mason i'. Rumsey, 1 Camp. 384 ; Jenkins v. Morris, 16 M. & W. 877. See supra, 
 p 1 23, note k. 
 
 it' Dougal V. Cowles, 5 Day, 511.
 
 136 NOTES AND BILLS. [CH. V. 
 
 One partner cannot bind his copartners by making, in their 
 name, a johit and several note, without express authority. (m) 
 But it has been held that such a note will be void only as a sev- 
 eral note, and good as a joint note.(?;) If he uses the actual 
 names of all his partners on paper in partnership business, it 
 would seem that this might hold them.(M;) If A, B, and C are 
 in partnership, and a note given by one of them is signed " A & 
 Co.," this will be presumed, in the absence of evidence to the 
 contrary, to be the partnership name.(.x) 
 
 If a man is a partner in two firms, it is obvious that the one 
 firm cannot sue the other, either on negotiable paper or on any 
 contract, although his name appear but in one or in neither of the 
 
 (i() Perring v. Hone, 4 Biiig. 28, 2 C. & P. 401. In Ex parte Wilson, 3 Mont. D. 
 & De G. 57, A and B, who were partners, and C, as their snrety, gave a joint and 
 several promissory note to D, by which they "jointly and severally " promised to pay 
 to D the amount of a partnership debt, due from A and B. The note was signed by 
 A and B, not as individuals, but in their partnership firm, and by C, the surety. Held, 
 that this note could not be treated as the several note of each one of the three, but as 
 the several note only of the surety, and the joint note of A and B; and that, on the 
 bankruptcy of A, who had survived liis partner B, the holder of the note could only 
 rank as a creditor against the joint estate. 
 
 (v) Maclae v. Sutherland, 3 Ellis & B 33. Lord CampheU said : " The expression 
 in the note by which a separate liability is sought to be created may be easily detached 
 m construing it, and taken pio non scripta ; as against the shareholders it is utterly void, 
 and it does them no injury. The perfect and complete contract of joint liability is not 
 vitiated by the directors having, ultra vires, written upon the same piece of paper 
 •words which are wholly inoperative. If A and B are in partnership, and A, for a part- 
 nership debt honajide gives a promissory note in the partnership firm, there seems con- 
 siderable difficulty in contending that A and B may not be jointly sued upon it, because 
 it professes to bind them separately as well as jointly. Why should the security perish 
 instead of being available, when, as far as it is sought to be enforced, it might lawfully 
 be created, and it expresses the intention of the parties ? Surely this would be unjust, 
 and contrary to well-known legal maxims." 
 
 (w) Norton v. Seymour, 3 C. B. 792. In this case, the firm was " Seymour & Ayrcs"; 
 and the note was signed " Thomas Seymour, Sarah Ayres." Maiile, J said : '■ As to 
 the form of the note, it is to be observed that it is signed by Seymour in the name of 
 himself and the other member of the firm. Suppose there was no authority so to sign 
 it, other than the general authority conferred by the partnersliip, I should hesitate to 
 say that one of two partners could not bind the other by signing the true names of both, 
 instead of the fictitious name." And see McGregor v. Cleveland, 5 Wend. 47.5. 
 
 (r) Drake v. Elwyn, 1 Caines, 184. The note in this case was signed " Elwyn & 
 Co." Ktmt, J. said : " As such a signature imported a copartnership, and a copartner- 
 Bliii» did exist at the time between Elwyn and the other defendants, I think it is to be 
 I)n'sum('d that siuth was the name; of tin; firm, and tliat it was sufficient to cast upon 
 the, (lefiMidants the burden of pioving what was the name of the house or firm, if a dif- 
 ferent name existed. They did not nttcmpt to repel the presumptioti, and of cours". it 
 i>eloiig(Ml to the jury to con.^ider of, and to draw that presumiuion.'
 
 CH. V ] PARTNERS. 137 
 
 firms. For all the names must be truly set forth in the declara- 
 tion, and the same party cannot be plaintiff and defendant. (3') 
 But if one of these firms makes a note to the other, and the other 
 indorses it over, the indorsee may hold either or both firms. yz) 
 So the deatli of the partner would terminate all this difficulty. (a) 
 And if a man bo a partner in two firms, both of whicli use the 
 same style, and he draw a bill or note in that style, it is said 
 that the holder may elect which firm to sue.(^) But certainly 
 the circumstances under which he took the paper, or the course 
 of business, might confine him to one. ' 
 
 (y) Thus, in Mainwaring v. Newman, 2 B & P. 120, A made a note, payable to 
 himself, and to B and C. This note was indorsed to C, D, and E. Held, that the in- 
 dorsees could not maintain an action, eitlier aj^ainst all the indorsers jointly, or against 
 one of them severally. Not against them all jointly, because then the same person 
 would be both plaintiff and defendant; and not against one severally, because the con- 
 tract was joint. So in Neale v. Turton, 4 Bing. 149, where the plaintiff, a holder of 
 shares in a washing company, drew bills on the directors of the company for goods 
 fnrnished by him ; and the bills were accepted by the secretary of the company "for 
 the directors " ; it was held, that the plaintiff could not recover on these bills against 
 the company. Best, C. J. said : " It may be admitted, that if a partner were to draw 
 on other partners by name, and they were individually to accept, he might recover 
 against them, because by such an acceptance a separate right is acknowledged to exist. 
 But that is not the case here, for the bills are drawn on the directors of the company, 
 and accepted for the directors. They are the agents of the company, and accept as 
 agents of the company. The case, therefore, is that of one partner drawing on the 
 whole firm, including himself There is no principle by which a man can be at the 
 same time plaintiff and defendant." And see Teague i'. Hubbard, 8 B. & C. 345 ; 
 Fox V. Frith, 10 M. & W. 131 ; Lomas v. Bradshaw, 9 C. B. 620 ; Mahan v. Sherman, 
 7 Blackf. 378; Babcock v. Stone, 3 McLean, 172. 
 
 (2) Thus, in Pitcher 1;. Barrows, 17 Pick. 361, which was an action by an indorsee of 
 a promissory note, made by a firm consisting of five members, and payable to two of 
 the same number, constituting a separate firm, Shaw, C. J. said : " Though no ques- 
 tion was made at the argument as to the original form of this contract, it may be proper 
 to make a remark upon that subject. It was a promise by five, to pay to two of their 
 own number or their order, and as an original contract it could not be enforced at law, 
 for the obvious reason that the two promisees could not sue themselves as promisors, 
 and the other three promisors were not liable without them. But tliis is a difficulty 
 attending the remedy only, not the right, and when the note is indorsed, by those 
 having a right to indorse it, to one against whom there is no such exception, whereby 
 he acquires a legal interest and right to sue in his own name, the difficulty vanishes. 
 It is like a note payable to one's own order, which, though till indorsement not a good 
 legal contract, becomes such by the indorsement." And see, to the same effect, 
 Blake c. Wheadon, 2 Hayw. 109 ; Thayer i-. Buffum, 11 Met. 398; Davis v. Briggs, 
 39 Maine, .304; Smith v. Lusher, 5 Cowen, 688. 
 
 (a) Byles on Bills, 6th ed., p. 31. 
 
 (b) Baker v. Charlton, Peake, 80 ; McNair v. Fleming, 1 Mont, on Partn. 32, note r 
 And see Swan v. Steele, 7 East, 210. 
 
 12 *
 
 133 NOTES AND BILLS. [CH. V. 
 
 The general authority of one partner to bind the rest springs 
 from the course and usage of business in wliich the firm is en- 
 gaged. In trading partnerships, the power of one partner to bind 
 the others by a bill or note given in tlie usual course of the busi- 
 ness undoubtedly exists. (c) But it has been repeatedly held, 
 that if the partnership be for a business not requiring the giving 
 of notes, or if the note in question is clearly outside of the busi- 
 ness of the partnersliip, the partners not signing are not bound. 
 This rule applies to attorneys, (t?) or partners in the practice of 
 medicine, (e) or in keeping tavern, (/) or in farming, (^) or min- 
 ing.(/i) We should, however, have no doubt in any of these cases, 
 
 (c) Kimbio v. Bullitt, 22 How. 256. 
 
 (d) Thus, in Hedley v. Bainbridge, 3 Q. B. 316, which was an action against an 
 attorney on a promissory note, given by his partner in the name of the firm, Lord 
 Denman said : " No doubt a debt was due from the firm ; but it does not follow that 
 one partner had authority to give a promissory note for that debt. Partners in trade 
 have authority, as regards third persons, to bind the firm by bills of exchange, for it is 
 in the usual course of mercantile transactions so to do ; and this authority is by the 
 custom and law of merchants, which is part of the general law of the land. Bnt 
 the same reason does not apply to other partnerships. There is no custom or usage 
 that attorneys should be parties to negotiable instruments ; nor is it necessary for the 
 purposes of their business." Levy v. Pyne, Car. & M. 453, is to the same effect. 
 
 (e) In Crosthwait v. Ross, 1 Humph. 23, it was held, that a partner in the practice 
 of physic has the power to bind his copartner by the execution of a note in the name 
 o',' the firm for the purchase of all things necessary to be used by them in their voca- 
 tion, such as medicines, sui'gical instruments, and the like ; but has no power to draw 
 bills or make notes for the purpose of raising money ; money not being an article for 
 which such a firm has a direct use. 
 
 (/) In Cocke v. Branch Bank, 3 Ala. 175, it was held, that one of a firm o* 
 tavern-keepers has no authority to bind his copartners by a note, the consideration of 
 which has no connection with the business of the joint concern ; and tiie want of such 
 consideration may be shown in defence to an action by a bona fide holder of the note. 
 And see Williams v. Thomas, 6 Esp. 18. 
 
 (7) See Kimbro v. Bullitt, 22 How. 267 ; per Litlledalp, J. in Dickinson v. Valpy, 
 10 B. & C. 128. The case of Greenslade v. Downer, 7 B & C. 635, which is usually 
 cited in sujiport of this proposition, was decided on another ground. 
 
 (/i) Dickinson v Valpy, 10 B. & C. 128. Lifllcxlale, J. said: "In the case of an or 
 dinary trading partnershii), the law implies that one partner has authority to bind 
 anollicr by drawing and accejiting bills, because the drawing and accojiting of bills is 
 nec(;ssary for tin; purposes of carrying on a trading partnership ; but it does not follow 
 tliat it is necessary for tlio pur[)ose of carrying on tlie business of a mining company. 
 Evidence of the nature of the comijany ought to have been given, to show that, in order 
 to carry into effect the |)urposes for wbic'ii it was instituted, it was necessary that indi 
 viduiil mcmlters si)Ould have tlie j)0wcr of binding the others by drawing and accept 
 ing liills of exchange. In the absence of any sucli evidence, I am of opinion that it 
 iH not competent to individual mciribcrs of a mining company (which is not a regulai 
 trading company) to bind the rest by drawing or accepting bills. One of several per
 
 CH. v.] PARTNERS. 139 
 
 if the concerns were of such magnitude as to require a large 
 capital, and credit, that a note given by one member of the firm 
 in the usual course of the business would bind the firm. This 
 would depend very much, however, upon the usage either of the 
 particular firm, or of other firms engaged in the like business. (i) 
 
 sons jointly interested in a farm has no power to bind the otliers by drawing or accept- 
 ing bills, because it is not necessary, for the purposes of cai rying on the fiinning busi- 
 ness, that bills should be drawn or accepted. The object of persons concerned in such 
 an undertaking is to sell the produce of the farm ; and though, with a view to such 
 sale, it may be necessary to buy many things in order to raise and put the produce in 
 a salable state, yet it is not necessary for that purpose that bills of exchange should 
 be drawn. Even if that were necessary for the purpose of carrying on a raining con- 
 cern, though not for the purpose of managing a farm, it was incumbent on the plain- 
 tiff, in this case, to have shown, either from the very nature of this company, that it 
 was necessary, or, from the practice in other similar companies, that it was usual; for 
 if it were iiecessary or usual, it would be reasonable that the directors should have such 
 a power, and the law would imply it." Parke, B. said : " I very much doubt whether 
 there is any authority in mining companies, arising by implication from the nature of 
 their dealings, (and it is to be observed that there was no proof of any usage to do this 
 in such companies,) to draw bills of exchange. The argument would go to this, that 
 all persons who deal in the produce of the land which they jointly occupy, because 
 they might sell that produce at a distance, would have an implied power given to each 
 other to draw bills of exchange for the purpose of receiving payment for it. If the 
 argument was valid, it would show that farmers acting in partnership, as well as min- 
 ers, would have, as incidental to the relation of partners, au authority to draw bills of 
 exchange upon the persons to whom the produce of the land was sold. There is, how- 
 ever, no necessity to decide that point, because there is no ground, at all events, to say 
 that mining partners have an implied authority from one another, arising from the na- 
 ture of their business, to draw such a bill of exchange as this ; for, upon the face of it, 
 this is a bill drawn by the company upon themselves, and though it is in form treated 
 as a bill of exchange, it is in substance only a promissory note ; and the effect of say- 
 ing that one member of a company like this can draw such bills or promissory notes 
 would be, that each of the partners in the concern would have the power of pledging 
 the others, not only to the extent of the goods the company might sell in the course 
 of their ordinary dealings, but without any limit at all, inasmuch as one partner might 
 raise money to any amount by drawing bills of exchange, and, if they were passed 
 into the hands of innocent indorsees, the partners would be liable to the full extent of 
 their fortunes." 
 
 (i) In Kimbro v. Bullitt, 22 How. 256, 268, a bill of exchange was drawn by one 
 partner of a firm which was engaged in farming, in running a steam saw-mill, and in 
 trading. The court, per Clifford, J., were of the opinion that, if the firm had been en- 
 gaged in farming, no power would have existed in one partner to bind the others by a 
 bill or note, but that, as they were also engaged in trading, such power existed. In 
 respect to the steam saw-mill, Clifford, J. said : " They were also engaged in running a 
 steam saw-mill, for manufacturing purposes ; and common observation will warrant the 
 remark, that those who engage in that business always want capital to carry it on, and 
 frequently find it necessary to ask for credit. Like those engaged in other branches of 
 manufactures, they buy and sell, and have occasion to remit money and collect it from 
 distant places." See however, contra, as to a steam saw-mill being within the rule,
 
 140 NOTES AND BILLS. [CH. V. 
 
 Members of a joint-stock company have no power, as such, to 
 draw bills or make notes in the name of the company. (7) And 
 although there may be occasional or special partnerships, and 
 within their limits the whole law of partnership applies, the mere 
 joint promise of two to make a certain purchase and pay for it in 
 good negotiable notes, to be indorsed by them, does not consti- 
 tute them partners, or otherwise authorize one of them to in- 
 dorse in the name of the other. (A;) 
 
 Suretyship is not, in general, within the business of a partner- 
 ship. And therefore, if to a bill or note already signed, a part- 
 ner writes the name of his firm, with the word " surety" added, 
 this does not bind his partners without their assent. (/) And if a 
 partner sign the name of his firm, ostensibly as makers of a note, 
 but in fact as sureties, and this is known to the payee, he cannot 
 enforce the paper against them.(«i) The same principle, of 
 course, applies to all cases of making or indorsing bills or notes 
 by one partner, on behalf of his firm, for the accommodation of 
 third persons. (w) But it is otherwise where one partner, for the 
 benefit of the firm, exchanges the acceptance of the firm for 
 the acceptance of a third person ; both acceptances being for 
 the same amount. In that case the firm will be held.(o) 
 
 If it appears upon the face of a bill or note, that it was signed 
 by a partnership as sureties merely, this will be notice to any 
 one who may take it, that it was given out of the course of 
 the partnership business. Therefore, no subsequent holder can 
 recover on it, without proving the assent of all the partners 
 to the signature. But if there is nothing on the face of the 
 paper to indicate for what purpose it was given, any one who 
 sliall take it bona fide, without knowledge that it was given out 
 
 Lanier v. McCabc, 2 Fla. 32. On the question of usage see the ease of Dickinson i'. 
 Valpy, 10 B. & C. 128. 
 
 (/) Brainali v. llobcrts, 3 Ring. N. C 963; Bult v. Monell, 12 A. & E. 745 ; Diek 
 insoii V. Valpy, mijird. 
 
 (k) Baliou V. Spencer, 4 Cowen, 163. 
 
 (/) Foot V. Sal.in, 19 Johns. 154; Boyd v. Plumb, 7 Wend. 309; Butler v. Stock 
 ing, 4 Si'ld. 408; Uoliins n. Stevens, 31 Maine, 4.')4 ; Andrews v. Planters' Bank, 7 
 Smedes & M. 192 ; Wagnon v. Clay, 1 A. K. Marsli. 2.'j7. 
 
 (in) Bank of l{ocheHter v. Bowen, 7 Wend. l.')8; Kolslon v. Click, 1 Stew. 526. 
 
 (/() Stall V. Catskill Bank, 18 Wend. 466 ; Beach v. State Bank, 2 Ind. 488; Cho 
 nowith i; fMiamherlin, 6 B. Mon. 60; Sweetser v. French, 2 Cush. 309; Lavcrty r 
 Burr. I Wend f>29. 
 
 (o) Gano /;. Samuel, 14 Oliio, .'■)92. Sec Darling v. March, 22 Maine, 184
 
 CH. v.] PARTNERS. 141 
 
 of the course of the partnership business, will be protect 
 ed.{p) 
 
 It has been said, that if the maker of a note carries it to a 
 bank to get it discounted on his own account, or transfers it 
 to a third person, with the name of a firm indorsed tliereon, 
 the transaction on its face shows that it is a mere accommo- 
 dation indorsement, or the note would not be in tlie hands 
 of the maker ; and the bank or person who receives it from 
 the maker being thus chargeable with notice that the firm 
 are mere sureties of the maker, and that it has not passed 
 through their hands in the ordinary course of partnership busi- 
 ness, the members of the firm who have been made sureties 
 without their consent are not liable to such holder of the note. (9) 
 
 Sometimes a partnership name is signed, in form, as surety 
 for a third person, while really the undertaking is for their 
 own debt, and the note is given for their own benefit. In such 
 cases the substance of the transaction, and not the form, will 
 be regarded. Thus, if a partner, acting for the firm, procures 
 A. who is a debtor of the firm, to give his note for the amount 
 of the debt to C, who is a creditor of the firm, and thereupon 
 the partner adds the partnership name to the note, as surety, 
 and C takes it in payment of his debt, the firm will be liable on 
 the note.(r) 
 
 The giving of accommodation paper is considered as so far 
 out of the line of regular commercial business, that, if such 
 paper be made and given by one member of a firm, the other 
 partners will not be holden to any party chargeable with notice 
 or knowledge that it is accommodation paper, unless it was 
 made witli their consent, (s) But when a bill or note has been 
 given in the partnership name, with the consent of all the 
 partners, for the accommodation of a third person, it has been 
 held that such bill or note may be renewed from time to time 
 by a single partner. (/) 
 
 ip) See cases supra. 
 
 (7) Per Walworth, C. in Stall v. Catskill Bank, 18 Wend. 478, Bank of Vergennes 
 V. Cameron, 7 Barb. 143. See Austin v. Vandermark, 4 Hill, 259; Gansevoort v. 
 Williams, 14 Wend. 133. 
 
 (r) Langan v. Hewett, 13 Smedes & M. 122. 
 
 {$) Austin V. Vandermark, 4 Hill, 259 ; Stall v. Catskill Bank, 18 Wend 466 ; Bank 
 of Ve)yijennes v. Cameron, 7 Barb. 143; Swectser v. French, 2 Cush. 309. 
 
 (t) Dundass v. Gallagher, 4 Penn. State, 205.
 
 142 NOTES AND BILLS. [CH. V. 
 
 And previous dealings, or recognitions of previous notes or 
 bills of like kind, or other similar circumstances, may indicate 
 the consent of the other partners in the case of accommodation 
 paper, or paper bearing their signature as sureties, in like man- 
 ner as has been already stated in reference to the authority of 
 agents. 
 
 It may be added, that subsequent recognition or ratification 
 of negotiable paper, by partners, has the same effect as when 
 this occurs in a case of agency. And a ratification need not 
 be express ; it may be inferred from the acts or omissions of 
 the other partners, after they know, or have the means of know- 
 ing, of tlie acts of the individual partner, (m) So where it is 
 necessary for the plaintiff to show the assent of the copartners 
 to the giving of a bill or note, he need not show an express 
 assent ; it may be implied from circumstances, such as the 
 common course of business of the firm, or the previous course 
 of dealing between the parties, (i;) 
 
 Partners are actual and ostensible ; and this they may be, 
 if well known, although their names be not used in the style 
 of the firm ; in which case they are liable both on the ground 
 of the credit they give to the concern, and also of the profits 
 which they take from it. Or they are secret, in wliich case 
 they are liable on the ground of their participation in the 
 profits ; or nominal only, in which case they are liable because 
 of the credit they give, by holding tliemselves out, or suffering 
 themselves to be held out, as partners. But there is a ma- 
 terial difference between these kinds of partners, in case of 
 dissolution and notice. A secret partner is not liable for debts 
 contracted after he leaves the partnership, although he gives 
 no notice ; for his taking of profits, which is the only ground 
 of his liability, has ceased. (i^;) A nominal partner, whether 
 actual or not, is liable, after leaving the firm, certainly to those 
 who liad formerly dealt with the firm, and have no notice or 
 knowledge of his leaving the firm, and no such means of 
 knowledge as binds them. And he may be bound even to 
 
 (h) Swcctscr V. French, 2 Cush. 309. 
 
 (v) Swoctser v. French, 2 Cush. 309 ; Beach v. State Bank, 2 Tnd. 4 88; Butler w. 
 Stockini.', 4 Sel<l. 408; Duncan v. Lowndes, 3 Camp. 478 ; Ganscvoort i». Williams 
 U Wend 13.'1 ; Darliiifc v March, 22 Maine, 184. 
 
 (w) Sec 1 I'ursons on Cont. I4.'J, note /(.
 
 CH. v.] PARTNERS. 143 
 
 a new customer, who comes to the firm in the belief that he 
 is a partner, and on his credit, with a sufficient reason for his 
 belief, (a;) 
 
 A new partner is not bound for old debts, unless he expressly 
 assume them, or agree with the partners to be bound ; or unless 
 this assumption or agreement may be inferred from his enter- 
 ing at once into the whole business, interest, and profits of the 
 concern ; and such a course would generally imply that he 
 takes all this benefit and property cum onere, and is therefore 
 bound by the liabilities. But if in this way he is defrauded 
 into a disastrous connection, this should not bind him to- 
 wards creditors with whom there are no new dealings on his 
 credit, and from whom there is no consideration moving to 
 him.(y/) 
 
 A creditor discharges the former partners and accepts instead 
 the responsibility of a new firm, either expressly, or by continu- 
 ing to deal with the new firm, after notice of the transfer of his 
 account, without any objection, provided this be done or accom- 
 panied with such words or acts as indicate his purpose of dis- 
 charging the former partners, but not otherwise. (2;) 
 
 Notice of the dissolution of a firm, or of the retiring of a part- 
 ner, should always be given in the usual way. This is personal 
 notice by letter or otherwise to all who usually do business with 
 the firm, and to all creditors of the firm, and public notice by 
 advertisements. If this is done, the retiring partner is not re- 
 sponsible for the subsequent debts of the firm, (a) Nor is he 
 responsible to any one who has actual notice of his retirement. (6) 
 Death of a general, or even of a special partner, operates a 
 dissolution of the firm, and as respects the estate of a deceased 
 partner, no notice need be given. And it has recently been held 
 that the surviving partners are not bound to give notice of that 
 fact in order to terminate their liability for the acts of each 
 other. (6a) In the case cited in our note, there was no evidence 
 
 {x) 1 Parsons on Cont. 144, 145, and notes. 
 
 (y) 1 Parsons on Cont. 166, note i. See Shirreflf r. Wilks, I East, 48; Vera » 
 Ashby, 10 B. & C. 288 ; Battley v. Lewis, 1 Man. & G. 155. 
 (2) Kirwan v. Kirwan, 2 Cromp. & M. 617. 
 
 (a) Parsons, Elements of Merc. Law, 2d ed., 172, and notes. 
 
 (b) Ibid. 
 
 Iba) Marlett v. Jackman, 3 Allen, 287.
 
 144 NOTES AND BILLS. [CH. V. 
 
 that the surviving partners knew of the decease ; but the court 
 said that, even if they had such knowledge, they would not be 
 obliged to give notice, (c) 
 
 Oil the dissolution of a firm by the death of one of the 
 members, the survivors are joint tenants, and not tenants in 
 common, so far that they take tlie property of the firm by 
 survivorship, for all purposes of holding and administering the 
 estate, until the effects are reduced to money and the debts 
 are paid ; (d) but the harsh doctrine of the jus accrescendi, 
 which is an incident of joint tenancy at common law, does 
 not apply. (e) It is an unquestioned principle of law, that 
 after a dissolution tlie authority of a former partner to bind 
 the others is gone, except as to the settlement of the estate 
 of the old partnership, and it is usually stated that he has 
 no power to make any new contracts. It is obvious, however, 
 that a strict construction of this rule might prevent the partner 
 whose duty it is to settle up the estate from accomplishing this 
 object in the most judicious manner. So far as the question is 
 still an open one, we should consider the true rule to be, that no 
 contract can be made by one partner after dissolution by which 
 the others will be bound, unless such contract is an appropriate 
 means for settling up the business of the concern in the most 
 judicious manner. Their duty is similar in many respects to 
 that of trustees and agents, (/) and they should, in settling up 
 the affairs of the old firm, have all the rights which agents 
 usually have by the usages of tlie business in which the old firm 
 was engaged. In the language of the Supreme Court of Maine, 
 " Tbe dissolution operates as a revocation of all authority for 
 making new contracts. It does not revoke the authority to 
 arrange, liquidate, settle, and pay those before created." (g-) 
 
 (c) Sec Parsons, Elements of More. Law, 2d ed., 172, 192. 
 
 {d) Dyer v. Clark, 5 Met. 562 ; Murray v. Mnmford, 6 Cowen, 441. 
 
 (e) Buckley v. Barber, 6 P^xeli. 164, 1 i"]np. L. & Eq. .506. 
 
 (/) Waslilmrn v. Goodman, 17 Pick. .519. And in Parker ?'. Pliillips. 2 Cush. 17.5, 
 178, the court said : " Thontrh a partnerslii]) is dissolved, and tlie mutual authority of 
 the partners to bind each other, as to future transactions, has ceased, yet to some extent, 
 and for some purposes, in repard to past transactions the partnership still exists." See 
 also Caldwell v. Stileman, 1 Rawle, 212; Beak v. Beak, .3 Swanst 627. 
 
 (7) Darlinjjf v. March, 22 Maine, 184. See also Gannett v. Cunningham. 34 
 Maine, !S6.
 
 CH. V.J PAETNERS. 145 
 
 Tlius, ill a case where a bill of exchange was drawn in l)lank 
 by one partner, to the order of the firm, and indorsed before the 
 dissolution of the firm, it was held that it might after that event 
 be filled up and negotiated. (A) And after dissolution one part- 
 ner may waive demand and notice, tliis being considered as 
 merely a modification of an existing liability ; (i) he may also, 
 it has been held, lawfully assign to a creditor of the firm a 
 demand due to the partnership ; [j) or acknowledge in the part- 
 nership name, after dissolution, a balance due from the partner- 
 ship, (/c) If a note is signed by a firm payable to the order of 
 one of its members, this person may indorse the note after the 
 dissolution of the firm so as to bind it.(/) 
 
 In Pennsylvania the courts have fully adopted the principle, 
 that as to past transactions the partnership continues until they 
 are settled. Thus it is held that after dissolution a partner may 
 borrow money to pay partnership debts, (w) and may renew the 
 notes of the firm ; [n) or give notes in the firm name in payment 
 of firm debts. (o) 
 
 There are, however, other authorities, which construe the 
 rule that a partner cannot make a new contract after dissolu- 
 tion very strictly, and hold that the power of a surviving part- 
 ner not only does not extend to the giving of a note,(yo) or 
 
 (h) Usher v. Danncey, 4 Camp. 97. In Lewis v. Reilly, 1 Q- B. 349, to an action 
 by an indorsee on a bill drawn by defendants A and B, as partners, payable to their 
 own order, and also indorsed by them, defendant B pleaded that the bill was indorsed 
 by A to plaintiff, in the partnership name, after a dissolution of the partnership, with- 
 out the privity or consent and in fraud of defendant B, and for A's private purposes ; 
 and that plaintiff knew of the dissolution at the time of the indorsement. Held, after 
 verdict for defendant, that the plea was bad for not showing that plaintiff had colluded 
 with A, or was privy to tbe fraud. Lord Denman said : " It is, perhaps, doing no 
 violence to language to say that the partnership could not be dissolved as to this hill, 
 so as to prevent it from being indorsed by either defendant in the name of the firm." 
 
 (/) Darling v. March, 22 Maine, 184. 
 
 {j) Milliken v. Loring, 37 Maine, 408. 
 
 (^•) Ide V. Ingraham, f> Gray, 106. 
 
 (/) Temple v. Seaver, 11 Gush. 314. 
 
 (m) Estate of Davis & Desauque, .5 AVhart. 530. 
 
 (n) Ibid. ; Brown v. Glark, 14 Penn State, 469. 
 
 (o) Robinson v. Taylor, 4 Barr, 242. 
 
 (p) Lockwood V. Gomstock, 4 McLean, 383 ; Bank of Port Gibson v. Raugh, 9 
 Smedes & M. 290 ; Hamilton v. Seaman, 1 Ind. 185 ; Perrin v. Keene, 19 Maine, 355; 
 Lusk V. Smith, 8 Barb. 570. In Mitchell v. Ostrom, 2 Hill, 520, the note in suit was 
 signed, " Late firm M., J., E., & Go. 
 
 Vol.. I.— K
 
 146 NOTES AND BILLS. [CH. V 
 
 acceptiiig of a bill,(^) in the firm name, after dissolution, for 
 a pre-existing debt of the firm, even though it be antedated 
 so as to bear date before the dissohition,(r) but also that he 
 cannot renew bills or notes given by the partnership before 
 dissolution, so as to bind his former copartners, (5) or indorse 
 notes given to the firm before dissolution, so as to vest the title 
 in the indorsee. (^) 
 
 Nor, it has been held, can he indorse notes belonging to the 
 firm at the time of the dissolution, so as either to render the 
 other partners liable on his indorsment, or to pass a valid title to 
 the notes. (w) It has even been doubted whether a note indorsed 
 before dissolution, but negotiated afterwards, will bind the 
 firm ; (v) but if negotiated in good faith for the purposes for 
 which it was indorsed, we are inclined to think it would, al- 
 though the contrary doctrine has been held.(?^;) 
 
 One partner, after dissolution, may, of course, bind his copart- 
 ner by any of the above acts, if he have an express authority for 
 that purpose. And such authority may be given by parol, al- 
 though the terms upon which the partnership was dissolved should 
 be in writing. Tluis, where a retired partner stated that he left 
 the assets and securities of the firm in the hands of the continuing 
 partner, for the purpose of winding up the concern, and that he 
 had no objection to his using the partnership name, it was held 
 that the jury were justified in finding that the continuing partner 
 had authority to indorse promissory notes so left in his hands, in 
 
 (7) Tombeckbee Bank v. Dumell, 5 Mason, 56. 
 
 (r) Wrightson v. Pullan, 1 Stark. 375 ; Lansing v. Gaine, 2 Johns. 300. 
 
 (s) Pahnor v. Dodge, 4 Ohio State, 21 ; National Bank v. Norton, 1 Hill, 572 ; Par- 
 ker V. Cousins, 2 Grat. 372 ; Martin v. Kirk, 2 Humph. 529 ; Long ?;. Story, 10 Misso. 
 636 ; Stone v. Chambcrlin, 20 Ga. 259. In Bank of South Carolina v. Humphreys, 1 
 McCord, 388, the firm, during the continuanee of the partnership, had written a letter 
 to the holder of a note against them, requesting permission to renew it, until the expira- 
 tion of a certain time, during which time a renewal was given by one jjartner, but sub- 
 sequent to the dissolution. Jleld, that the firm was not bound. 
 
 {t) Sanford v. Miekles, 4 Johns. 224. See also Geortner r. Trustees, &c., 2 Barb. 
 625 
 
 (u) Abel r. Sutton, .'5 Ksj). 108 ; Sanford v. Miekles, 4 Johns. 224 ; Parker v. Ma- 
 comber, 18 Pick. 50.'); Humphries v. Chastain, 5 Ga. 166. 
 
 {v) Per Lord K'ni/on In AI)el v. Sutton, supra. 
 
 (w) In Giaflscock v. Smith, 25 Ala. 474 The question was raised, but not decided, 
 in Mechanics' Bank v. Ilildretli, 9 Cush. 359.
 
 CH. v.] PARTNERS. 147 
 
 tlio partnership name. (a;) So an authority by parol to continu- 
 ing partners to sell a negotiable note made to the firm before' dis- 
 solution, will authorize an indorsement of such note, "without 
 recourse," in the name of the firm.(y) It seems however, to be 
 well settled, that an authority given to one partner " to close all 
 business transactions of the late firm" ; [z) •' to settle up the busi- 
 ness of the firm; "(a) " to settle all demands in favor of or against 
 the firm" •,{b) "to settle business of the firm, and for that pur- 
 pose to use their name " ; (c) " to settle business of the firm and 
 sign its name for that purpose" ; (t/) "to use the name of the 
 firm in liquidation, only, of past business " ; [e) confers no more 
 power than the partner would have by the general principles of 
 the law of partnership. In one case, however, the court were 
 of the opinion that the authority given to use the partnership 
 name conferred a greater power than would have otherwise ex- 
 isted, and held that it was for the jury to find, from the course 
 of trade, and the usage and custom of merchants, as well as 
 from the notice itself, whether this power extended to the re- 
 newal of a note which had been discounted at a bank previous 
 to the dissolution. (/) And if a partner, under such an au- 
 thority, receives a note, in payment of a debt due to the firm, 
 payable to bearer, it seems that the legal title to such note will 
 vest in sucli partner alone ; and, therefore, he will be able to give 
 a good title to it by delivery. (^) 
 
 [x) Smith V. Winter, 4 M. & W. 454. In Burton v. Lssitt, 5 B. & Aid. 267, by a 
 deed of dissolution of partnership, a power was reserved to the remaining partners to 
 use the name of the retiring partner in the prosecution of all suits. In an action in 
 which judgment had been obtained by all the partners before the dissolution, it was he/d, 
 that the remaining partners had authority under that power to give to the defendant a 
 note for the payment of the sixpences, under the Lords' Act, on behalf of themselves 
 and the retiring partner. 
 
 (y) Yale ;;. Eames, 1 Met. 486. 
 
 {z) Palmer v. Dodge, 4 Ohio State, 21. 
 
 («) Parker v. Cousins. 2 Grat. 372; Long v. Story, 10 Misso. 636 ; Martin v. Wal- 
 ton, 1 McCord, 16; Parker v. Macomber, 18 Pick. .505. 
 
 (/)) Lockwood V. Comstock, 4 McLean, 383. 
 
 {c) National Bank v. Norton, 1 Hill, 572. 
 
 (d) Hamilton v. Seaman, 1 Ind. 185. 
 
 (e) Martin i'. Kirk, 2 Humph. 529. 
 (/) Myers v. Huggins, 1 Strob. 473. 
 
 {g) In Parker v. Macomber, 18 Pick. 505, where the individu.al note of a partner, 
 caade after the dissolution of the partnership, was transferred by the holder to the firm.
 
 148 NOTES AND BILLS. [CH V. 
 
 As to any persons who have not been properly notified of the 
 dissolution, the partners will be bound by the acts of a copartner, 
 the same as before dissolution. (A) But in one case it was held 
 that an attorney who knew that a dissolution was intended and 
 agreed on, but did not know tliat it had taken place, as was in 
 fact the case, could not hold the firm on an acceptance made by 
 a partner in the name of the firm after the dissolution. (z) And in 
 another that a bill drawn by a firm, and sent to an agent for sale, 
 and sold by him after notice to him and to the buyer that one part- 
 ner liad retired, bound only the remaining partner.(i/) 
 
 Katifieation and confirmation will have the same eflfect after a 
 dissolution, as if the partners who adopt the signature and confirm 
 it were still partners.(j) 
 
 by an indorsement in blank, in payment of a debt, it was held, that such note, being 
 payable to bearer, might be legally transferred to a third person by another partner, who 
 was authorized to settle the concerns of the partnership. Shaiv, C. J. said : " It is 
 contended that, by this indorsement, delivery, and payment, the property in the note 
 vested in all the members of the late firm, and though it was under a blank indorse- 
 ment, it could not be passed by delivery, so as to vest a valid title in the holder, with- 
 out the act of all the partners. But we are of opinion that this defence cannot be 
 maintained. Being under a blank indorsement and passing by delivery, the title vested 
 in any person or persons legally becoming the holders for value. Now we think the 
 authority given to the two partners, the Howlands, to collect the debts and settle the 
 affairs of the hue firm, gave them authority to receive negotiable notes and drafts, as a 
 means of obtaining payments. If so, they must be deemed to have received this note, 
 as agents to settle ; they received it in their own right, and the property vested in them. 
 Tliis being the case, as they would take merchandise, bank-stock, or other articles 
 affording the means of raising money and getting in the debts, they had a right to dis- 
 pose of the i)ro])erty for the same purpose ; and it being a mercantile agency, each had 
 the requisite authority. As they took the note under a blank indorsement, and it was 
 in a condition to pass by a mere delivery, no indorsement of the firm was necessary ; 
 and the want of authority, arising from a want of legal power to make sucii indorse- 
 ment, applicalde to tlie case of the other note, does not apply to tliis. If it be said that 
 they, being agents, took tliis note for the use and l)enefit of all the members of the lato 
 firm, and so tlie title vested in tliem, wc think it is necessary to distinguish between the 
 legal and the beneficial interest. Undoubtedly the beneficial interest was in the mem- 
 bers of tlic late firm ; and the agents were bound to render an account of the property 
 and apply the proceeds to their benefit. But this is quite consistent with their taking 
 a legal interest themselves in the security, in the same manner as if tliey Iiad taken 
 goods, bank-notes, or otiicr property, to be turned into money and accounted for, pur- 
 Buant to the li'ust and autlujrity rejiosed in them for that pur])Ose." 
 
 (A) Whitman v. Lconiird, .'3 I'ick. 177 ; Toinbeckbcc Bank v. Dumell, .5 Mason, 56 j 
 Lansing v. GaiiKs, -i Johns. .'JOO ; Bristol v. Sprague, 8 Wend. 423. 
 
 (j) I'aterson v. Zachariah, I Stark. 71. 
 
 («) Hobb ?;. Mudge, 14 (iniy, 5.34. 
 
 (/) Waiter/. Koster, M Maine, 424; Lcoiiiinl v. Wildes, .S6 Maine, 26.5; Lusk v. 
 Smith, H linrb. 570; ( -'hase v. KcikImII, (i In. I. ;i(M ; Iviton r. Tnylor, 10 Ma^s. 54.
 
 CH. v.] LUNATICS. 149 
 
 SECTION VI. 
 
 OF LUNATICS. 
 
 Ip these are vuider guardianship, they come under the statu- 
 tory disability. (^) If not, their natural disability applies. But 
 to such a case, somewhat of the same principle which governs as 
 to the incapacity of infants also applies. If this natural inca- 
 pacity is not in fact perfect, and if an insane or an imbecile per- 
 son, while temporarily, or apparently, sane enough to transact 
 ordinary business, gives his note for necessaries, and it is received 
 in good faith, it would seem to be proper, for the sake of the lu- 
 natic himself, that the note should be valid. Or if the note were 
 set aside, because it fixed a certain price or amount which ought 
 to be left open to inquiry, still his liability on the contract should 
 be established, and the note might be evidence, of more or less 
 value, of the quantum which should be paid.(/) 
 
 It is undoubtedly now true, that a man may " stultify him- 
 self," or prove in defence against a claim on any contract his 
 insanity, or imbecility, or aberration, or defect of understanding 
 from any cause, existing at the time the contract was made.(??i) 
 The general reason for this is, that there can be no contract un- 
 less there be a meeting of minds ; and there can be no meeting 
 Df minds if the one party has no mind which can meet the mind 
 3f the other. Possibly this defence, to be effectual, must go far 
 enough to show that tiiis defect of mind was known to the other 
 contracting party, or was unknown to him by reason of his own 
 fault and negligence. It has been so held in cases of executed 
 
 (k) Leonard v. Leonard, 14 Pick. 280. 
 
 (/) See Gore v. Gibson, 13 M. & W. 623. In Bagster v. Earl of Portsmouth, 7 
 Dowl. & R. 614, 2 0. & P. 178, it was held, that a lunatic is capable of contracting for 
 necessaries. Therefore, where a person of rank ordered carriages suitable to his con- 
 dition, and the coachmaker supplied them bona Jide and without fraud, and they were 
 actually used by the party : lietd, that an action would lie upon the contract, notwith- 
 standing an inquisition of lunacy finding the party to be of unsound mind at the time 
 the carriages were ordered. La Rue v. Gilkyson, 4 Penn. State, 375, is to the same 
 effect. Am" see Richardson i;. Strong, 13 Ired. 106. 
 
 (m) Mitchell v JCingman, 5 Pick. 431 ; Gore v. Gibson, 13 M. & W. 623 ; Alcock 
 e. Alcock. 3 Man. & G. 268. See coritra, Bro^vn v. Jodrell, 3 C. & P. 30. 
 13 *
 
 150 NOTES AND BILLS. [CH. V. 
 
 contracts. (w) But it may, we think, be well doubted whether 
 any instrument or contract could be enforced in law, if one 
 of the parties was distinctly non compos mentis when it was 
 made.(o) It has been said that the note of one known to 
 the payee to be insane is absolutely void, even in the hands 
 of an innocent indorsee ; {p) but such indorsee must cer- 
 tainly have his remedy against the indorser, either on the note 
 or independently. 
 
 Sanity is to be presumed ; the burden of proof being on him 
 who denies it.(^) But to defeat a promissory note, it is only 
 necessary to prove a condition of mind which makes self-protec- 
 tion against imposition impossible. (r) 
 
 An inquisition of lunacy is conclusive against those who are 
 parties to it. But it is said that it may be rebutted by clear evi- 
 
 (n) Thus, in Brown v. Jodrell, 3 C & P. 30, Moody & M. 105, which was an action 
 for work and labor, and goods sold and delivered, it was held to be no defence, that tho 
 defendant was of unsound mind, unless tiie plaintiff knew of, or in some way took 
 advantage of his incapacity, in order to impose on him. So in Beals v See, 10 Penn. 
 State, 56, it was held, that an executed contract by a merchant for the purchase of poods 
 cannot be avoided by proof of insanity at the time of the purcliase, unkss there has 
 been a fraud committed on him by the vendor, or he has knowledge of his condition. 
 And in Molton v. Camroux, 4 Exch. 17, it was held, that unsoundness of mind will 
 not vacate a contract, if it be unknown to the other contracting party, and no advan- 
 tage be taken of the lunatic, especially where the contract is executed in whole or in 
 . part, so that the parties cannot be restored to their original position. Therefore, where 
 a lunatic purchased certain annuities for his life, of a society which at the time had no 
 knowledge of his unsoundness of mind, the transaction being in the ordinary course of 
 human affairs, and fair and honn Jide on the part of the society, it was held, in the Ex- 
 chequer Cliamber, (affirming the judgment of the Court of Exchequer,) that, after tho 
 death of the limatic, his personal representatives could not recover bacJi the premiums 
 paid for the annuities. 
 
 (o) In Seaver v. Phelps, U Pick. 304, in trover for a promissory note, pledged to the 
 defendant by the plaintiff when the latter was insane, it was held not to be a legal de- 
 fence that the difendaiil, at the time when he took the pledge, was not apprised of the 
 plaintiff's being insane, and had no reason to susi)ect it, and did not overreach him nor 
 practise any fraud or unfairness. And Wilde, J. said : " Tbe defendant's counsel rely 
 principally on a distinc'tion between contracts executed, and those which are executory. 
 But if tbis distinction were material, we do not perceive how it is made to appear that 
 the contract of bailment is an executed contract, for if the note was pledged to secure 
 the performance of an executory contract, and was part of the same transaction, it 
 would rather be considered an executory c(jntracl. But wc do not consider the distinc- 
 tion at all material. It is well settled that the conveyances of a nm compos a-'C foid- 
 able, and may he avoided by the; writ dum fitif non compos mentis, or 1/ entry." 
 
 (/>) Scntanco ti. Poole, 3 C. &, I'. 1. 
 
 (7) Jackson v. Van Dusen, ti Jolms. 144 ; Jackson v. King, 4 Cowen, 207. 
 
 Ir] Johnson i;. Chadwcll, 8 Humph. 1-15
 
 CH. v.] ALIENS. 151 
 
 deuce of sanity, by other parties. (*■) Before office found, the 
 acts of a lunatic are said to be voidable only ; (t) afterwards, 
 void.(M) But we should have some doubt wliether this distinc- 
 tion would be enforced so far as to say that tlie contract of a lu- 
 natic could not be ratified and confirmed by him after his sanity 
 was restored. 
 
 It is quite well settled that the maker of a promissory note, 
 sued by an indorsee, will be allowed to plead that the indorser 
 was a lunatic at the time of the indorsement. (v) 
 
 Drunkenness is a species of insanity ; but the law is not quite 
 clear respecting this disability. Perhaps it stands thus : One 
 cannot defend by proving his drunkenness, unless he can show 
 that the drunkenness was known to the payee and taken advan- 
 tage of by him ; or that it was complete, and suspended all use 
 of the mind at the time.(?y) It miglit be doubted, however, 
 whether such absolute drunkenness as this would be compatible 
 with the physical ability of writing one's name. At all events, 
 it must be law that no one can avail himself of drunkenness pur- 
 posely caused by himself, with the intention of rendering con- 
 tracts void which he should enter into in that state. 
 
 SECTION VII. 
 
 ALIENS. 
 
 There is nothing to prevent an alien, merely as such, from 
 becoming a party to a promissory note or bill, and nothing 
 
 (s) Den V. Clark, 5 Halst. 217; Rogers v. Walker, 6 Penn. State, 371. But see, 
 contra, Leonard v. Leonard, 14 Pick. 280; Wadsworth v. Sharpsteen, 4 Seld. 388. 
 
 (t) Jackson v. Gumaer, 2 Cowen, 5.52. 
 
 (u) Pearl v. M'Dowell. 3 J. J. Marsh. 658. 
 
 (r) Alcock V. Alcock, 3 Man. & G. 268 ; Peaslee v. Robbins, 3 Met. 164 ; Burke v. 
 Allen, 9 Fost. 106. 
 
 (iv) In Pitt w. Smith, 3 Camp. 33, it was held, that an agreement signed by a person 
 in a state of complete intoxication was void. In Gore t'. Gibson, 13 M. & W. 623, to 
 an action by indorsee against indorser of a bill of exchange, the defendant plead(;d, 
 that when he indorsed the bill he was so intoxicated, and thereby so entirely deprived 
 >>f sense, understanding, and the use of his reason, as to be unable to comprehend 
 the meaning, nature, or effect of the indorsement, or to contract thereby ; of which the 
 plaintiff, at the time of the indorsement, had notice. Held to be a good answer to the 
 action. And see Jenners v. Howard, 6 Blackf. 240 ; Berkley v. Caimon, 4 Rich. 136
 
 152 NOTES AND BILLS. [CH. V 
 
 in his alienage to affect his rights or obhgations. If, however, 
 he is an aUen enemy, no contract entered into with him can be 
 enforced in the courts of this country. He has no standing 
 there to maintain liis rights ; and a citizen wlio enters into a 
 contract with an enemy would be regarded as violating the 
 law, and could not have its aid in carrying the contract into 
 effect. (.^) 
 
 This has been carried so far in England, that a bill drawn 
 by an alien enemy on an English subject, then in England, 
 and indorsed to an English subject abroad, was not permitted 
 to be enforced in the English courts even after the restoration 
 of peace. (//) The same principle would avoid all contracts for 
 the purpose of remitting funds to an enemy's country, by bill 
 or otherwise. (z) The only exceptions to this rule would seem 
 to be in the case of bills or notes for ransom of property or 
 persons ; (a) or for obtaining necessaries while a prisoner ; (b) 
 or for purposes comiected with a voyage by cartel or license, 
 in which cases there seems to be a kind of partial peace, or 
 at least a suspension of the incidents of war.(6') Nor does it 
 seem to be a sufficient objection to an action on a bill so 
 protected, that it is brought, in part, in trust for an alien en- 
 emy, (t/) 
 
 (.t) Griswold v. Waddington, 16 Johns. 438. 
 
 (y) Willison v. Patteson, 7 Taunt. 439. 
 
 (j) Griswold v. Waddington, 16 Johns. 438 ; Hoare v. Allen, 2 Dallas, 102. But in 
 United States v. Barker, 1 Paine, 156, it was held, that a citizen of the United States 
 niij^hr lawfully, during a war with a foreign country, draw a bill on one of its subjects ; 
 such an act not leading to any injinnons intercourse, nor amounting to a trading with 
 the enemy. 
 
 (u) Ricord i>. Bettenham, 3 Burr. 1734; Cornu v. Blackburne, 2 Doug. 641 ; An- 
 thon V. Fisher, 2 Doug. 649, note ; 3 id. 166. 
 
 {!)) Antoine v. Morsliead, 6 Taunt. 237. But see Duhammcl v. Pickering, 2 Stark. 
 90. 
 
 (c) Thus, in Suckley v. Furse, 1.5 Johns. 338, where a bill of exchange was drawn 
 in this country, upon a person in Great Britain, during the late war with th;it country, 
 for sii|t|)lics furnished i)y the payee to a British vessel authorized by act of Congress to 
 sail from this country to an enemy's port, which was sold by the payee to the phiintiff, 
 who remitted it to (Jrcat Britain for collection ; it was held, that the remittance of 
 the bill was within the [jrotection alforded to the original transaction, and was not 
 ;ibrul. 
 
 [il) Dautfuz V. Morshead, 6 Taunt. 332.
 
 CH. v.] BANKRUPTS. 153 
 
 SECTION VIII. 
 
 BANKRUPTS. 
 
 We have, iu this country, no general bankrupt law ; and 
 the insolvent laws of the several States usually provide for 
 most of the questions which can occur in relation to negotia- 
 ble paper. In general, liowever, it may be said that all the 
 property, chattels, or choses in action, and all the interest in 
 any property belonging to the bankrupt, passes to his assignees. 
 He has, therefore, no property left, and no power of disposition 
 or control. He cannot sue, or indorse, (e) or assign. In respect 
 to a bill or note received by a bankrupt after his bankruptcy, 
 it is held, in England, that it does not vest absolutely in the 
 assignees, although they have a right to claim it ; but, in the 
 absence of any claim by them, the title of the bankrupt is good 
 as against all other persons. (/) And if the property in the 
 
 (e) In Ashurst v. Royal Bank of Australia, Q. B. 1856, 37 En^r- L & lv(. 19.'). it was 
 held that a bankrupt could convey no title to a note by indorsing it after maturity, but 
 it was said that he could before. See also Smith v. Ue Witts, 6 JJuwl. & II. i-M. 
 
 (f) Kitchen v. Bartsch, 7 East, ."iS. In this case it was held to be a i^ood plea to an 
 action on a promissory note, and for money lent, that the plaintiff was an uncertificated 
 bankrupt, and that his assignees required the defendant to pay to them the money 
 claimed by the plaintiff; and it is not a good replication that the causes of action ac- 
 crued after the plaintiff became bankrupt, and that the defendant treated with the plain- 
 tiff as a person capable of receiving credit in those behalves, and that the commissioners 
 had made no new assignment of the said notes and money ; for the general assignment 
 of the commissioners passes to the assignees of the bankrupt all his after acquired as 
 well as present personal property and debts. In Drayton v. Dale, 2 B & C. 293, which 
 was assumpsit by the indorsee against the maker of a promissory note payable to A or 
 his order, the defendant pleaded that A became bankrupt, and that his property was 
 duly assigned to assignees, whereby the interest, title, and right to indorse the promis- 
 sory note before the lime of indorsement became vested in the assignees, whereby the 
 indorsement by A wsa void, and created no rights in the plaintiffs to sue. Repli- 
 cation, that the indorsement was made with the consent of the assignees. Rejoinder 
 taking issue upon that fact. A verdict having been found for the defendant on this 
 issue, it was held, that the plaintiff was entitled to judgment, non obstante veredicto. 
 First, because the defendant, who had made the note payable to A or his order, was 
 estopped from saying that A was not competent to make an order. Secondly, because 
 the property acquired by a bankrupt subsequently to his bankruptcy does not abso- 
 lutely vest in the assignees, although they have a right to claim it ; but if they 
 do not make any claim, the bankrupt has a right to such property against all other 
 persons.
 
 154 NOTES AND BILLS. [CH. V 
 
 bill had already passed from the bankrupt before his bankrupt- 
 cy, or was so intended, and indorsement ought to be made, the 
 bankrupt may indorse it, or the assignees may be compelled to 
 indorse, (o") 
 
 SECTION IX. 
 
 OF EXECUTORS AND ADMINISTRATORS. 
 
 In general they have all the rights and remedies of the 
 deceased, although not named in the contracts or instruments 
 from which these rights arise ; and lie under all the obligations 
 of the deceased, so far as his assets suffice. All, however, with 
 the important exception of those contracts, whether express or 
 implied, which are so entirely personal to the deceased, that 
 no one can fill his place or become his substitute ; so that all 
 the rights and obligations arising under such contracts of course 
 die with him. 
 
 If a negotiable note is indorsed, or if a non-negotiable note is 
 assigned for value, to a dead man, whose death is not known, 
 it becomes the property of his executor or administrator, in 
 the same manner as if he had died after the transfer. (A) And 
 this would probably be the case, if this transfer were made in 
 good faith with a knowledge of the death ; as it could be made 
 with no other intention than to place the note among his as- 
 sets. 
 
 Only the executors or administrators, and not the heirs or 
 next of kin of persons deceased, can claim possession of his 
 bills and notes, or demand payment, or put them in suit.(i) 
 In suing upon them, they must set out distinctly the facts 
 which constitute their representative character, because this 
 is u part of tlieir title. It has been held not sufficient to 
 descril)C themselves as executors, nor even to aver that they 
 were duly appointed ; l)ut they are required to set out tlie pro- 
 ceedings, so that the court may see tliat the appointment was 
 legal. (» 
 
 {</) StTiith V. T'ickcrin;;, Pcnko, 50 ; Ex parte Mowbray, 1 Jac. & W. 428. 
 (//J Minr.iy v. East India Co., 5 R. & Aid. 204. 
 (i) Morsn ),'. (Mayton, 1.3 Sincdcs & M. .373. 
 (j) Beach v. King, 17 Wend. 197.
 
 CH. v.] EXECUTORS AND ADMINISTRATORS. 155 
 
 It is otherwise, if they receive a note payable to themselves, 
 though for a debt due to the estate, and though payable to 
 them as executors. For in such case their representative char- 
 acter constitutes no part of their title. The note never be- 
 longed to their testator, but vested in them originally. And 
 if a bill or note, belonging to the testator at the time of his 
 decease, is payable to bearer, they need not in suing upon it 
 make title through him ; they may sue as bearers simply. The 
 same distinction is applicable to guardians, receivers, assignees 
 in bankruptcy, and trustees of every description. (A:) 
 
 It has been a vexed question, whether a note payable to 
 "A, as executor" and given for a debt due to the estate, will 
 be regarded as assets. It was once held that it would not ; 
 and tlierefore that a count upon such a note could not be 
 joined with counts upon promises made to the testator in 
 his lifetime. (/) But this doctrine has since been overruled ; 
 and it is now well settled that such a note will be assets, at 
 least at the election of tiie executor. (m) Therefore, if he de- 
 clares upon it as a note payable to him as executor, and lays 
 the promise as made to him in his representative capacity, 
 he may join counts upon promises to his testator in his life- 
 time, (/i) 
 
 (k) Gillet V. Fairchild, 4 Denio, 80 ; White v. Joy, 3 Kern. 83. 
 
 (/) Betts V. Mitchell, 10 Mod. 316. And see, per Chambre, J., in Hosier v. Arundell, 
 3B. &P. 11. 
 
 (m) See Henshall v. Roberts, 5 East, 150; Hemphill v. Hamilton, 6 Eng. 425; 
 Baker v. Baker, 4 Bibb, 346. 
 
 (n) King v. Thorn, 1 T. R. 487. In Partridge v. Court, 5 Price, 412, affirmed on 
 error in 7 Price, 591, it was held, that counts on promises made to an intestate may bo 
 joined in a declaration by an administrator, in an action of assumpsit on such promises, 
 with counts on promissory notes given to the administrator since the death of the intes- 
 tate as administrator, because the amount when recovered will be assets in the hands 
 of the administrator. Graham, B. s.-iid : "Wherever the money when recovered shall 
 be assets, counts in each character may be joined ; and that is a fair and sound criterion, 
 and one wliich is sufficient to prevent all ambiguity and doubt ; it ought, therefore, to 
 be adopted as a never-failing rule. Then we should look to this record with a view to 
 see whetlier the money which is sought to be recovered would be assets in the hands of 
 the administratrix, and in my opinion the judgment for the plaintiff would be conclu- 
 sive, if produced, to show that assets bad come to her hands, and might be used for that 
 Quroose." Wood, B. : " The objection to this declaration is, that it contains several 
 :ounts which are distinct, and cannot be joined, some being framed on demands in the 
 plaintifTs representative character, and others on demands which should be asserted by 
 hfr personally, and no doubt if that were so, the declaration would he bad ; but I am 
 of opinion that all these counts are on demands arising to her in her representative
 
 156 NOIES AND BILLS. [CH. V. 
 
 Upon the same principle, if an administrator, who has re- 
 ceived such a note, dies before it is paid, it goes properly with 
 the other assets into the hands of the administrator de bonis non^ 
 and he may sue upon it, and demand and receive payment. (o) 
 
 character, and not in person. The true criterion of that is certainly what has been 
 already stated, that where the money, if recovered, would be assets, tlie causes of action 
 may be joined, and in this case I take it that the money, when recovered, may be clearly 
 
 so considered The note is given to the administratrix, as administratrix, and 
 
 that is not merely, as has been argued, a description of the person, it is a description of 
 character, and of the character in which Ihe debt is to be paid to her." Sec Henshall 
 r-. Roberts, .5 East, 150 ; per Parke, B., in F^ath v. Chilton, 12 M. & W. 637 ; per Nelson, 
 C. J., in Bogert v. Hertell, 4 Hill, .503, et seq. In 1 Williams on Executors, 4tli ed., 751, 
 after stating the cases, it is said : " The principle on which these cases were decided has 
 not been settled without conflict. Several old cases may be found, in which it was con- 
 sidered that the contracts made with an executor or administrator were personal to him, 
 and that he must sue for them in his own right, and not in his representative capacity ; 
 and particularly in the instance of negotiable instruments, it was conceived, until very 
 modern times, that if an executor took a bill or note from a debtor to the estate of his 
 testator, a new debt was thereby created, wiiich must be declared on as such. How- 
 ever, the rule may now be regarded as firmly established by the more recent cases, that 
 wherever the money recovered will be assets, the executor may sue for it and declare 
 in his representative character." And see Sheets v. Pabody, 6 Blackf 120. But see 
 Turnbull v. Freret, 17 Mart. La. 703; Gilnian v. Horscley, 17 Mart. La. 661 ; Urqu- 
 hart V. Taylor, 5 Mart. La. 200 ; Clampitt v. Newport, 8 La. Ann. 124. 
 
 (o) Thus, in Catherwood v. Chabaud, 1 B. & C. 150, where a bill of exchange was 
 indorsed generally, but delivered to S. C, as administratrix of J. C, for a debt due to 
 the intestate, and S. C. died intestate after the bill became due, and before it was piiid, 
 it was hf'ld, that the administrators de bonis von of J. C. might sue upon the bill. 
 Abbott, C. J. said : " It was clearly established by the evidence that the bill in question 
 was given to S. C, as the administratrix of J. C, for money due to her intestate ; she 
 took it as assets, and if she had received the money, that must undoubtedly have been 
 accounted for to his estate. The money not having been received in her lifetime, the 
 bill remained as a part of J. C.'s estate, and the right to it devolved upon the ])crsons who 
 afterwards became his representatives.. This case differs widely from Barker v. Talcot, 
 1 Vern. 473, for there the debtor had actually paid the executor of the administrator; 
 now such a payment would, in equity, and might, perhaps, in law also, be a sufficient 
 answer to any action afterwards brought to enforce payment of the same debt over 
 again. Here no payment has been made by the del)tor, who therefore cannot be dam- 
 nified by this action. It has been decided in a variety of modern cases, that an admin- 
 istrator may sue as such upon a promise made to him in his representative character ; 
 and that principle governs my o])inion ,upon the present case; for where the cause of 
 action is such that the first administrator may sue in his representative character, the 
 right of action devolves upon the ailniiiiistrator de bonis non of the intestate." Bayley, 
 J. : " It was decided in the case of King ii. Thorn, 1 T. U. 487, that if a iiill be indorsed 
 to A and B as (;xccutors, they may declare as such in an action against the acceptor. 
 In Cowell V. Watts, East, 405, it was luiil, tii.'it an administrator may sue in his rcp- 
 ntscntative character upon promises nwidc to himself, where the money will be assets 
 when rccovcH'd. Now, if tlu^ administrator dies intestate, without having sued upon 
 ■ uch a promise, the administrator de bonis non may sustain an action upon it; for he
 
 CH. v.] EXECUTORS AND ADMINISTRATORS. 157 
 
 But payment to the administrator of the deceased has been held, 
 in the English Court of Chancery, to discharge the payer ;(/?) 
 and in a recent case this decision is so commented upon as to im- 
 ply that the payment might be held good at law.((7) It is also 
 intimated, in the same case, that there may be cases where the 
 representative of the administrator might and ought to sue ; as 
 if the administrator had made himself debtor to the intestate's 
 estate for the amount of the note.(r) 
 
 An executor or administrator may indorse a negotiable note 
 of the deceased ; and his assignment of a non-negotiable in- 
 strument passes the property to the assignee. (5) But such 
 
 succeeds to all the legal rights which belonged to the administrator in his representative 
 capacity. Here, S. C, the administratrix of J. C, might have sued as such upon the 
 bill in question. This action was, therefore, properly brought by the administrators de 
 bonis non. By this mode of proceeding, the money recovered is immediately applicable 
 to the right fund, as assets of the first intestate ; whereas, if the action had been brought 
 by the personal representative of the administratrix of J. C, it would, in the first in- 
 stance, have become a part of her estate, and must afterwards have been transferred 
 from that to the estate of J. C, the first intestate." Holroi/d, J. : "I am of the same 
 opinion. The decisions in the old cases proceeded upon the principle that contracts 
 made with an administrator were personal to him, and that he must sue upon them in 
 his own right, and not in his representative capacity. That principle has since been 
 altered, and it has been ruled in several modern cases, that upon such contracts an 
 administrator may sue in his representative character. The older cases have, therefore, 
 received a qualification, and are not now to be considered as law to their full extent." 
 Best, J. : " In refusing this rule it is not necessary to decide that the administrator of 
 the administratrix S. C. could not have sued ; it is sufficient to say, that the adminis- 
 trator de bonis non might sue ; and this observation may serve to reconcile the various 
 cases which have been referred to. An action by the administrator de bonis non was 
 certainly the most proper, that being the shortest and most convenient mode of bring- 
 ing the money recovered into the funds of the original intestate." Abbott, C. J. : 
 " There is mnch weight in the distinction which has been taken by my brother Best. 
 There may be cases where the administrator of an administrator might and ought to 
 sue, namely, if the first administrator had made himself debtor to the intestate's estate 
 for the amount of a bill received in payment of a debt due to that estate." And see 
 Sljeets V. Pabody, 6 Blackf. 120. 
 
 (p) Barker v. Talcot, 1 Vern. 473. 
 
 (q) Cathcnvood v. Chabaud, 1 B. & C 1.50. 
 
 (r) Catherwood v. ChabaU'l, supra. In Rix v. Nevins, 26 Vt. 384, the plaintiflT, as 
 administrator of the estate ol' R., commenced a suit upon certain notes which R., in 
 his lifetime, had taken of the defendant as administrator of the estate of L. (of which 
 estate the plaintiff was also administrator de bonis no)i), and obtained judgment against 
 the defendant on the same. Held, that the plaintiff, having thus treated the claim 
 against the defendant as assets, and as the property of the estate of R., the same was 
 jubject to every legal and equitable set-ofF which the defendant had against R. or his 
 estate. 
 
 (s) Rawlinson v. Stone, 3 Wilson, 1. This was an action upon a promissory note, 
 
 Vf L. I. 14
 
 lo8 NOTES AND BILLS. [CH. V. 
 
 assignment for the private debt of the executor or administrator 
 is a fraud on the estate of the deceased, and passes no property 
 to an assignee who has notice or knowledge, even if he paid 
 value. (/) 
 
 If there be several executors or administrators, the bills and 
 notes of the deceased may be indorsed by either one of them. 
 For they are esteemed in law but as one person ; and the acts of 
 one of them relating to the sale and transfer of the testator's 
 effects are the acts of all.(w) Whether the same rule will apply 
 to notes taken by them for debts due to the estate, has been con- 
 
 payable to A or order, and indorsed by the administratrix of A. It was objected that the 
 indorsement was not valid so as to give the indorsee an action in his own name. But the 
 objection was overruled, " because," the reporter adds, " it is well known to be the co»- 
 stant practice and usage among merchants for executors and administrators to indorse 
 and negotiate both promissory notes and bills of exchange; and the courts of justice 
 will always endeavor to adapt the rules of law to the usage and course of trade, ad ea 
 quce frefjuentins accidunt jnra adaptantur ; and the courts of law are warranted in this by 
 the words of the statute of Anne, which says, that promissory notes payable to any 
 person or persons, his, her, or their order, shall be assignable or indorsablc over in the 
 same manner as inland bills of exchange are or may be, according to the custom of 
 merchants. The equitable interest in the note is converted into a legal interest, and 
 the whole interest is vested in the administrator, who, before the statute, might have 
 assigned his equitable interest, and since the statute, may now assign his legal interest." 
 Mr. Justice Denison further said : " That if it had appeared to the court upon a special 
 verdict that there was no such custom among merchants as for administrators to indorse 
 or assign bills of exchange, it would have been a very different case from the present ; 
 but that no such thing appeared, and in truth, that the custom is for administrators to 
 indorse and assign bills ; that he previously had some notice of this case coming before 
 the court, and therefore had inquired touching the usage among merchants, and been 
 well informed that it was the constant usage amongst them for administrators to indorse 
 and assign over bills of exchange made payable to their intestates or order." See also, 
 Watkins i-. Maule. 2 Jac. & W. 237, 243 ; Shaw, C J., in Rand v. Hubbard, 4 Met. 
 2.52, 258; Owen v. Moody, 29 Missis. 82; Makepeace v. Moore, 5 Gilm.in, 474. 
 
 (t) Makepeace v. Moore, .5 Oilman, 474 ; Miller v. Helm, 2 Smedes & M. 687 ; Scott 
 V. Searles, 7 Smedes & M. 498 ; Miller v. Williamson, ^ Md. 219. 
 
 («) Dwight V. Newell, 1.5 III. 333; Moscly i-. Grnydon, 4 Strob. 7; Wheeler v. 
 Wheeler, 9 Cowcn, 34. In Shcp. Toucli. 484, it is said : " All the executors, where 
 there be more than one, be they never so many in the eye of the law, are but as one 
 man ; in which respect the law doth esteem most acts done by or to any one of them, 
 as acts done by or to all of them. And, therefore, the possession of one. of them of 
 the gooils and <'hattelR of the decea-scd is esteemed the ])()-iscssion of them all; pay- 
 ment of debts by or to one of them is esteemed payment by or to them nil ; the sale or 
 gift of oiii; of them of the goods and chattels of the deceased, the sale and gift of them 
 all ; a release made by or to one of them is a release made by or to theiu all ; and the 
 aiscnt of one of them to a legacy, the assent of them all. And, therefore, if there be 
 two executors, and one of fbem deliver up the oliligution lo the debtor wherel>y he is 
 bound, the other executor Hhall not recover it in a detinue."
 
 CH. v.] EXECUTORS AND ADMINISTRATORS. 159 
 
 sidered doubtful. (y) It would seem to depend upon the question 
 already noticed, namely, whether such notes are to be considered 
 as assets. And it being now settled that they are, it seems that 
 they may be indorsed as effectually by one executor as by all.(t^?) 
 A delivery without indorsement by an executor or adminis- 
 trator does not pass the legal title, except in the case of paper 
 transferable by delivery. And if the deceased indorsed the note 
 in his lifetime, but did not deliver it, it has been held that a de- 
 livery by the executor will not complete the transfer. An in- 
 dorsement without delivery will no more transfer the legal title, 
 than delivery without indorsement. In the case supposed, there- 
 fore, the legal title to the note would remain in the payee at the 
 time of his death, and would then pass to his executor, as in the 
 case of other personal estate ; and that title could be transferred 
 only by the indorsement and delivery of the executor, because 
 there is no other legal mode by which a transfer of a bill or note 
 payable to order can be made.(.'c) 
 
 (v) In Smith v. Whiting, 9 Mass. 334, it was hdd, that one of two executors could 
 not assign a negotiable promissory note, made to them as executors, for a debt due to 
 their testator. The court said : " The question is, whether one of two executors is 
 competent to transfer by indorsement a negotiable promissory note made to the two in 
 their character of executors. The promisees, not being copartners, had eacli but a 
 moiety. One, therefore, could not assign the whole. Nor was it competent for him to 
 assign his moiety." And see Sanders v. Blain, 6 J. J. Marsh. 446 ; Regina v. Winter- 
 bottom, 2 Car. & K. 37, 1 Den. C C 41 ; Byles on Bills, p. 40, note/>, p. 44, note u. 
 
 (lo) Bogert v. Hertell, 4 Hill, 492. 
 
 (x) Thus, in Bromage v. Lloyd, 1 Exch. 32, H. indorsed a promissory note, but did 
 not deliver it. After tJie death of H., his executrix delivei-ed tlie note to the plaintiff. 
 Held, that the plaintiff had no title to sue on the note. Pollock, C. B. said : " This is 
 an action on a promissory note, upon which a party has written his name, and after his 
 death his executri.x delivers the note to the plaintiffs without indorsing it ; so that there 
 is a writing of his name by the deceased, and a delivery by his executrix. Those acts 
 will not constitute an indorsement of the note; the person to whom it is so delivered 
 has no right to sue upon it." Alderson, B. : " The promissory note was made payable 
 to the testator 'or order' ; that means order in writing. The testator has written his 
 name upon the note, but has given no order ; the executrix has given an order, but not 
 in writing. The two acts being bad, do not constitute one good act." Rolfe, B. : " The 
 word ' transfer' means indorsement and delivery " So in Clark v. Sigourncy, 17 Conn. 
 511, A gave his note to B, payable to B or order on a certain future day. This note B 
 retained in his hands, doing nothing else with or in relation to it, until his death, which 
 was long after it fell due. It afterwards came into the hands of C, the widow and 
 executrix of B, with the name of B written in blank by him on the back of it ; and C 
 delivered it, in the state in which she found it, to D, for a valuable consideration. In 
 an action brought by D, as indorsee of the note, against A, as the maker, alleging that 
 B, by his indorsement in writing under his hand ordered the contents thereof to be paid
 
 IGO NOTES AND BILLS. [CH. V. 
 
 If the deceased made a valid bargain concerning a note or bill, 
 and indorsement and delivery are necessary to carry this into 
 etfect, the executor or administrator not only may indorse and 
 deliver the note or bill, but equity will compel him to do so. A 
 fortiori, if the deceased delivered the note for a valuable consid- 
 eration, without indorsement, as he thereby created a perfect 
 equitable (though not a legal) title ; the holder, having an equi- 
 table riglit, may in equity compel the executor to give a formal 
 transfer. (?/) 
 
 In general, it is within the power and duty of executors or 
 administrators to present for acceptance or for payment, and give 
 notice of non-acceptance or non-payment, and make protest, in 
 the same manner and for the same causes as the deceased could 
 and should have done. And all presentments and demands, and 
 all notices, may and should be made against or given to them in 
 like manner as against or to the deceased. These things will be 
 stated more fully in the chapters on Presentment, Demand, and 
 Notice. There is, however, a difference between the origin and 
 commencement of the powers and duties of an executor, and 
 
 to D, it was held ( Williams, C. J. and Walte, J. dissenting), — 1. That as D claimed 
 title to the note, by an immediate indorsement of it to him by B, it was necessary for 
 D, in order to sustain that title, to prove such an indorsement; 2. That the word 
 indorsement, as applicable to negotiable paper, imports a transfer of the legal title to the 
 instrument, by contract ; 3. That the consummation of this contract must be shown, 
 by a delivery by the party making the transfer to the party to whom it is made, and an 
 acceptance by the latter, the mere act of the payee's writing his name on the back of 
 the instrument not being sufficient for this purpose ; 4. That the legal title of the note 
 being in B at the time of his death, it then vested in C, his executrix, and could be 
 transferred only l)y her indorsement; 5. That C, as executrix, or otherwise, had no 
 authority to flelivcr the note as a note indorsed by B ; 6. That D, consequently, had 
 acquired no legal title; 7. That as the note came into D's liands after it became due, 
 it was suliject to the defence of want of legal title in him. So in Clark v. Boyd, 2 
 Ohio, riG, it was lield, that an assignment indorsed upon a note, and the note retained 
 by the assignor until his death, vests no interest in the assignee. The court said : 
 " The assignment made by the assignor, while the note remained in his possession, 
 and where no contract of sale was proved, was a mere nullity. It was in his own 
 power, and could at any time be legally erased. It gave no interest or title to the 
 assigmc, and when Pierce died he was the absolute owner of the note, notwithstanding 
 the assignment. The riglit vested by Iiis death in the executors, and could only be 
 assigned by them. The ]»laintifF acquired no more right by a delivery from the hands 
 of the executors than he could have acquired liad they delivered him a note payable 
 to the testator, without any indorsement." Sec also Michigan Ins. Co. v. Leaven- 
 worth, .30 Vt. 11. 
 
 'y] Watkins v Mauic, 2 Jac;. & W. 2.")7 ; Malbon v. Southard, .3(1 Maine 147.
 
 CH. v.] EXECUTORS AND ADMENISTRATORS. 161 
 
 those of an administrator. The first begin from the appointment 
 in the will, both as to source and as to time ; and, therefore, an 
 executor may do and receive these things after the death of the 
 testator, and before probate of the will. But an administrator, 
 although the persons who have a right to the administration are 
 pointed out by the law, derives all his authority fi-ora the appoint- 
 ment as an act of the law, and therefore can do nothing until 
 the appointment. (2r) 
 
 If there be probate of a will, the executor therein named is 
 fully authorized to be regarded as such, until the probate is an- 
 nulled. Hence payment to an executor under a forged will is 
 valid after probate, but not before. But this must be qualified 
 so far as to prevent a party, having knowledge of the forgery and 
 making the payment in fraud, from profiting by his fraud. 
 
 An administrator or executor can only bind himself by his 
 contracts ; he cannot bind the assets of the deceased. There- 
 fore, if he make, indorse, or accept negotiable paper, he will be 
 held personally liable, even if he adds to his own name the name 
 of his office, signing a note, for example, " A, as executor of 
 B ; for this will be deemed only a part of his description, or 
 will be rejected as surplusage. (a) But if he chooses to exclude 
 his personal liability expressly, as by the words, " I promise to 
 pay, &c. out of the assets of 0. D., deceased, and not otherwise," 
 or use any clearly equivalent language, then he is only bound so 
 far as the assets extend. But the instrument, in that case, will 
 not be a bill of exchange or promissory note, because not paya- 
 ble at all events. The same rule is applicable to guardians, trus- 
 tees, and all persons acting in a representative capacity, except 
 agents. (6) 
 
 At common law, an executor was considered as residuary 
 legatee. For this reason, and also for the technical reason that 
 an executor could not sue himself, if the payee and holder of a 
 note made the maker his executor, the note was thereby dis- 
 
 (z) Woolley v. Clark, 5 B. & Aid. 744 ; Rand v. Habbard, 4 Met. 256 ; Allen v. 
 Dundas, 3 T. R. 125. 
 
 (a) Childs v. Monins, 2 Brod. & B. 460 ; King v. Thorn, 1 T. R. 489 ; Aspinall v. 
 Wake, 10 Bing. 55 ; Davis ;;. French, 20 Maine, 21 ; Walker v. Patterson, 36 Maine, 
 273. 
 
 (b) Thacher v. Dinsmore, 5 Mass. 299 ; Forster v. Fuller, 6 Mass. 58. And see 
 ante, pp. 36, 80, 89-91. 
 
 Vol. I.— L
 
 162 NOTES AND BILLS. [CH V. 
 
 charged ; and if the holder of a bill appointed the acceptor his 
 executor, this discharged tlie acceptor, and therefore all subse- 
 quent parties. (c) The only exceptions were, that the rule did 
 not apply if the assets were not enough, without the bill or note, 
 to pay the creditors, and perhaps, for this is not clear, the lega- 
 tees ; or that the executor refused the appointment. (^/) For the 
 rule has been applied where, of several joint debtors, one was 
 appointed executor ; (e) and even although they were joint and 
 several ; and although the person appointed executor died with- 
 out having proved the will.{/) 
 
 This rule was never held to apply to administrators ; ( g-) nor 
 does it exist in equity in respect to executors. The debt is con- 
 sidered to have been paid by the executor to himself, and be- 
 comes assets in his hands. (A) 
 
 In this country, the action upon a note or bill by an executor 
 against an executor is as impossible as in England ; but a princi- 
 ple similar to that of the equity courts in England has always 
 prevailed hi the probate courts of this country. That is, the 
 executor is charged with the amount of the debt as if paid to 
 him.(t) An administrator must account for his debt to his intes- 
 tate in the same way. And it has been said that the reasons for 
 the discharge of the right of action apply as effectually to an 
 administrator as to an executor. (y) 
 
 A bequest of a bill or note to a party liable upon it discharges 
 his liability, of course. But a bequest to any party " of all the 
 property" in a house does not, it is said, carry to him any bills 
 or notes contained in the house ; unless they are bank-notes, 
 whicli are considered as cash. (A;) We should be inclined to 
 think, liowcver, that a bequest of" property," or a bequest using 
 
 (c) Frcaklcy v. Fox, 9 B. & C. 130 ; Wankford v. Wankford, 1 Salk. 299 ; Clicet 
 ham V. Ward, 1 B. & P. 630; Ncdham's Case, 8 Rep. 135; Bylcs on Bills, 41 
 note V. 
 
 {(1) Wankford v. Wankford, 1 Salk. 299 ; Abram v. Cunningham, 1 Vent. 303 
 
 («) Com. Dif?. Admin. B. 5. 
 
 (/) Wankford v. Wankford, 1 Salk. 299 ; Com. Dig. Admin. B. 5. 
 
 (g) Ncdham's Casi-, 8 Rep. 135. 
 
 (A) Williams on ExccutorH, 816 ; per Lord Tenterdcn, C. J., in Frcaklcy v. Fox, 9 
 B. & C. 134. 
 
 («■) IpHwidi Man. Co. v. Story, 5 Met. 310. 
 
 ( ;') Stevens v. Gaylord, 11 Mass. 256. 
 
 (it) Byles on Bills, 135, note g.
 
 CH. v.] CORPORATIONS. 163 
 
 any equivalent word, so described as to include and contain in 
 fact negotiable instruments, would pass them, unless something 
 in the will opposed this construction. If the paper was payable 
 to bearer, or was indorsed in blank, and in either way negotiable 
 by delivery, we should more confidently expect that it would go 
 to the legatee. 
 
 SECTION X. 
 
 OF CORPORATIONS. 
 
 At common law a corporation could bind itself only by its 
 seal, and its written name was apparently of no use but to verify 
 its seal. This rule was subject to certain exceptions, however, 
 at a very early period ; and in modern times, with the great 
 increase of mercantile and trading corporations, it has been 
 greatly relaxed. (/) In this country it was long since entirely 
 discarded. (m) In England, at the present day, a corporation 
 may draw or accept bills of exchange, when expressly authorized 
 by its charter, or when it is imperatively necessary for the 
 conducting of its legitimate business ; as in the case of banking 
 and trading corporations. (w) But according to the better opin- 
 ion, the power is confined to these cases. Therefore, it seems 
 that a corporation, created for the purpose of supplying the 
 inhabitants of a city with water, cannot accept a bill of exchange 
 
 (1) See Henderson v. Australian Royal Mail Steam Nav. Co., 5 Ellis & B. 409 ; 
 Australian Royal Mail Steam Nav. Co. v. Marzetti, II Exch. 228 ; Fishmongers' Com- 
 pany V. Robertson, 5 Man. & G. 131 ; Clark v. Cuckfield Union, 1 Lowndes & M. 81, 
 11 Eng. L. & Eq. 443 ; Copper Miners' Co. v. Fox, 16 Q. B. 229 ; Dig<j;Ie f- London 
 & Blackwall Railway Co., 5 Exch. 442 ; Mayor of Ludlow v. Charlton, 6 M. & W. Sl.'i ; 
 Arnold v. Mayor of Poole, 4 Man. & G. 860; Paine v. Strand Union, 8 Q. B. 326 ; 
 Lamprell v. Billericay Union, 3 Exch. 283; Sanders v. St. Neot's Union, 8 Q. B. 810 ; 
 Church i;. Imperial Gas Light & Coke Co., 6 A. & E. 846 ; Smart v. West Ham Union, 
 10 Exch. 867 ; Smith v. Cartwright, 6 Exch. 927 ; Beverley v. Lincoln Gas Light & 
 Coke Co., 6 A. & E. 829; Renter v. Electric Telegraph Co., 6 Ellis & B. 341, 37 
 Eng. L. & Eq. 189 ; Lowe v. London & Northwestern Railway Co , 18 Q. B. 632. 
 
 'm) Bank of Columbia v. Patterson, 7 Cranch, 299. And see cases cited in 1 Par- 
 sons on Cont. 118, notec. 
 
 (n) The Bank of England and the East India Company are instances. See Rex v. 
 Bigs: 3 P. Wms. 419 ; Edie w. East India Co., 2 Burr. 1216 ; Murray v. East India 
 Co., 5 B. & Aid. 204.
 
 1G4 NOTES AND BILLS. [CH. V. 
 
 in England. (o) In this country, however, it may be regarded 
 as settled, that the power of corporations to become parties to 
 bills of exchange or promissory notes is coextensive with their 
 power to contract debts. Whenever a corporation is authorized 
 to contract a debt, it may draw a bill or give a note in payment 
 of it. Every corporation, therefore, may become a party to 
 bills and notes for some purposes. (7?) Thus, a mere religious 
 corporation may need fuel for its rooms, and as an economical 
 measure may buy a cargo of coal, and give its note for it ; and 
 
 (o) Broughton v. Manchester & S. Water Works Co., 3 B. & Aid. 1. Bayley, J. said 
 " The act of Parliament, by which this corporation is estahlislied, does not contain any 
 express power by which they are enabled to become parties to bills of exchange oi 
 promissory notes, nor is there anything in the purpose for which this corporation was 
 established from which it is to be implied that such a power was meant to be given. 
 It seems to me that the drawing of bills of exchange was quite foreign to the purpose 
 for which this corporate body was established, which was for the erecting and carrying 
 on waterworks in a particular place. There being no power expressly given to them 
 to make promissory notes, or to become parties to bills of exchange, I should doubt 
 very much whether such a corporation would have any power so to bind themselves for 
 purposes foreign to those for which they were originally established." Best, J. said : 
 " I am of opinion that this action is not maintainable, because this case comes within 
 that rule of law by which corporations are prevented from binding themselves by con- 
 tract not under seal. When a company like the Bank of England, or East India Com- 
 pany, are incorporated for the purposes of trade, it seems to result from the very object 
 of their being no incorporated, that they should have power to accept bills or issue 
 promissory notes ; it would be impossible for either of these companies to go on with- 
 out accepting bills. In the case of Shirk v. Highgate Archway Co., 5 Taunt. 792, the 
 Court of Common Pleas seemed to think, that unless express authority was given, 
 by the act establishing the company, to make promissory notes eo nomine, a corporation 
 could not bind itself except by deed. Now tliero is nothing in the act of I'arliament 
 estaljlishing this company, which authorizes them to bind themselves, except by deed. 
 The company, too, was not created for the purposes of trade, but merely to carry on 
 the business of supplying the inhabitants of a particular place with water. Now it can- 
 not he necessary, for this purpose, that they sliould become the makers of promissory 
 notes, or the acceptors of bills of exchange. As, therefore, the nature of the business 
 in which they are engaged does not raise a necessary implication that they should have 
 the power to acci'pt hills, and as no authority is expressly given by the act of Parlia- 
 ment for tliHt purpose, I am of opinion, on this ground, that this action cannot he main- 
 tained." The case, however, was decided on another ground. Sec also, East London 
 Water- Works Co. v. Bailey, 4 Bing. 28.3. 
 
 (/>) Barker v. Meclianic Ins. Co., .3 Wend. 94 ; Mott v. Hicks, 1 Cowen, .513; Plant- 
 ers' Bank v. Shar|>, 6 How. .301, .302; Mnrvinc v. Hymcrs, 2 Kern. 223; Bank of 
 Genesee v Patchin Bank, 3 Kern. .309 ; Moss v. Oakley, 2 Hill, 26.5 ; McCulIough v. 
 Moss, h Denio, 5G7 ; Attorney-General v. Life and Fire Ins. Co., 9 Paige, 470 ; Came 
 I). Brigham, 39 Maine, 3.5; Munn v. Commission Co., 15 Johns. 44 ; Kellcy v. Mayor 
 of Brooklyn, 4 Hill, 2G3 ; New York Floating Derrick Co. v. New Jersey Oil Co., 8 
 Duer, 048.
 
 CH. v.] CORPORATIONS. 165 
 
 such a note would undoubtedly be valid in this country. ((/) So 
 also a bill or note given by a corporation will be presumed to 
 have been given in the course of its legitimate business, until 
 the contrary appears. (/•) And a note given by a corporation 
 will, it seems, be valid in the hands of a subsequent indorsee, 
 without notice, whatever may be the purpose for which it was 
 given ; (s) and we think it would be valid in the hands of the 
 payee, unless the transaction was clearly fraudulent, and the- 
 payee, either from actual knowledge or the nature of the trans- 
 action, had notice of it. If, for example, the Trustees of Colum- 
 bia College in New York bought a cargo of cotton, and gave 
 their negotiable note for twenty thousand dollars, the seller 
 might suppose that they had need of some means of transmitting 
 a large amount of money, and found that they could do it to 
 most advantage by using this cotton ; or that they wanted it for 
 some other legitimate purpose. Such a note would clearly be 
 valid in the hands of a bona fide holder without notice ; nor do 
 we think that the nature of the transaction merely would be 
 notice to the original payee that it was given for an unauthor- 
 ized purpose. (^) 
 
 {q) See cases supra. 
 
 (r) Barker v. Mechanic Ins. Co., 3 Wend. 94 ; Hart v. Missouri State Mut. F. & M. 
 Ins. Co., 21 Misso. 91 ; Safford v. Wyckoff, 4 Hill, 442. See McCuUough v. Moss, 
 5 Denio, 567. 
 
 (s) Bank of Genesee v. Patchin Bank, 3 Kern. 309 ; Willmarth v. Crawford, 10 
 Wend. 341. But see Halstead v. Mayor of New York, f> Barb. 218, 3 Comst. 430. 
 
 (t) In Moss V. Rossie Lead Mining Co., 5 Hill, 137, it was held, that if an incor- 
 porated company purchase property and convert it to their own use, they will not be 
 permitted to defeat a recovery for the price, by showing that the purchase, on account 
 of the nature of some of the property, was probably, though not necessarily, an abuse 
 of the powers granted by their charter ; otherwise, if the vendor was apprised at the 
 time of the sale that the company were acting in violation of their charter. In that 
 case, the Rossie Lead Mining Company, a corporation, purchased a large amount of 
 property which had been previously used by the vendor in carrying on the business of 
 washing and smelting lead ore, consisting in part of a house. and lot, fifty acres of im- 
 proved land with several houses thereon, a building which had been used for a store, 
 a school-house, threshing-machine, &c. Held, in an action upon one of several notes 
 jjiven for the purchase-money, that the purchase was not necessarily an excess of the 
 power granted by the charter, and that the plaintiff was, therefore, entitled to recover. 
 Cowen, J. said : " I am not aware that a corporation, more than another, may pur- 
 chase and convert an article to its own use, and then object that it acted beyond the 
 statute power. It is itself a sort of agent, and must be the judge as between itself and 
 the vendor whether the article be wanted or not. The vendor cannot pronounce upon 
 the question. A school-house or threshing-machine may be useful, though it be con-
 
 166 NOTES AND BILLS, [CH. V. 
 
 If it appears upon the face of a bill or note made by a cor- 
 porarion, that the corporation was prohibited from making it, it 
 has l)een held that every holder must take notice of this at his 
 peril. ( I/) 
 
 A corporation is not authorized, it is said, to give a note for 
 the accommodation of a third person ; and any one who receives 
 such a note, with notice of the circumstances under which it was 
 given, cannot recover vipon it.(2;) We cannot but think, how- 
 ever, that there may be exceptions to this rule. 
 
 ceded that the corporation have no power to keep school, hire a schoolmaster, or 
 embark in the employments of agriculture. The materials of either may have been 
 desirable for improving the legitimate apparatus. Being on the spot, it might have 
 been thought prudent to take them to pieces and devote their parts to lawful repairs. 
 The purpose is a secret between the company and the hands that transact their business ; 
 and as against the vendors, who have not been told that the purchase was an idle one, 
 the company must be estopped. If they really abuse their power in making purchases 
 of tliat sort, the people have a remedy by information in the nature of a quo warranto. 
 The vendor knows not, nor can he conjecture, tiiat liis vendees are engaged in violating 
 the policy of the country. He is innocent : the vendees alone are guilty." But see 
 McCullough V. Moss, 5 Denio, 567. See also Indiana v. Woram, 6 Hill, 33. 
 
 (k) Thus, in Broughton v. Manchester & S. Water- Works Co., 3 B. & Aid. 1, it waa 
 held, that a corporation, other than the Bank of England, could not be acceptors of a 
 bill of exchange, payable at a less period than six months from the date ; because such 
 a case falls within the provision of the several acts of Parliament passed for the protec- 
 tion of the Bank of England, by which it is enacted, that it shall not be lawful for any 
 body corporate to borrow, owe, or take up any money upon their bills or notes payable 
 at demand, or at any time less than six months from the borrowing thereof; and the 
 objection appearing on the face of the bill, no recovery could be had thereon by any 
 subsequent indorsee. Iloboyd, J. said : " I take it to be clear, that where a statute pro- 
 hibits a tiling to be done, and does not expressly avoid the securities which foil within 
 the prohibition, there, if the violation of the law docs not appear on the face of the 
 instruin<;nt, and the party taking it is ignorant that it was made in contravention of the 
 
 statute, it is an available security in the hands of sudi a person But here the 
 
 dcfctidants are made a corporation by a public act of Parliament, and every person is 
 liouiid to take notice of that act ; and when, therefore, a holder of a bill, tliough a bona 
 fid<: imlorsee, takes the defendants' acceptance, he must know that they arc a body 
 corporate ; and lie thei-efore receives it, knowing it to be the acceptance of a corporation 
 prohibited from owing money on such a bill : lie is not, thcMcfore, an innocent indorsee, 
 hcciin>:(! lie takes a bill wliich he knows to be prohibited by statute " And .see Safford 
 V. Wyckoff, 1 Iliil, 11,4 IJill, 442; Attorney-General v. Life and Eire Ins. Co., 9 
 Paige, 470. 
 
 (/;) It was Bo decided in the recent case of Bank of Genesee v. Patchin Bank, 3 
 Kern. 309. Dimio, J. said : "It is quite clear that the oflicers of a banking association 
 or other corporation have no jiower to engage tlie institution as the surety for another, 
 in a business in which it has no interest. Such a transaction is without the scope of 
 the business of the company. The authority of the governing odicers of a corporation, 
 to affect it by their contracts in its name, is of the same general character as that
 
 CH. v.] CORPORATIONS. 167 
 
 It may be added, that a corporation may be sued in assumusit 
 on any simple contract which they have power to make. 
 
 Tiiey can make a note or accept a bill only by an agent or 
 attorney. But they can give the requisite authority by vote, or 
 by conferring any powers or any employment upon an agent, 
 which, by a reasonable implication, gives this authority, Tims, 
 a general agent for business in which notes are frequently given, 
 may give the note of the corporation. (z<?) 
 
 But an agent or factor employed for a specific business can- 
 not go beyond it and give a note. Thus, in Massachusetts 
 many years ago it was held, that an agent authorized to sell 
 goods for a corporation, and to purchase the stock of which 
 they were made, and even to purchase this on credit, could 
 not give the note of tlie corporation. (;r) And more recently, 
 the Supreme Court of the same State held, that an agent au- 
 thorized by a corporation to advance money to a mortgagor of 
 land to them, for a specific purpose, could not bind them by 
 giving their note for the same amount, (y) 
 
 A corporation, like a natural person, may transact its business 
 in the name of an agent ; and the agent's name is then, pro hac 
 vice, the name of the corporation. If, therefore, the agent of 
 a corporation gives a bill or note in his own name, but for the 
 debt or in the business of the corporation, and it appears that 
 this was the mode in which the corporation usually transacted 
 its business, it will be bound. (z) 
 
 which a partner has to bind the firm. In either case, if they contract in a matter to 
 which the business of the corporation or partnership does not extend, their engage- 
 ments are invalid as against the corporation, for want of authority to conclude those in 
 whose behalf they assume to act. I do not speak now of a case where the particular 
 transaction is forbidden by some positive law, or is hostile to some principle of public 
 policy, but simply as to cases where the question relates to the authority of the agent. 
 
 The officers of a bank have no right to indorse in its belialf the paper of other 
 
 persons in which it has no interest, or to make the bank a party to paper for the 
 accommodation of any one. Such contracts are void, upon the same principle that an 
 indorsement by a partner of the firm name, without the consent of his copartners, for 
 the accommodation of a third person, would be inoperative against the firm." 
 
 (w) See Narragansett Bank v. Atlantic Silk Co., 3 Met. 282; Melledge v. Boston 
 Iron Co., 5 Cush. 158. 
 
 {x) Emerson v. Providence Hat Man. Co., 12 Mass. 237. 
 
 (y) Webber v. Williams College, 23 Pick. 302. And see ante, p. 116, note s. 
 
 (z) This point was much considered in Melledge v. Boston Iron Co., 5 Cush. 1.58. 
 That was an action against the defendants on certain promissory notes, signed 
 "Horace Gray & Co." At the trial the judge instructed the jury, that, as the defend
 
 168 NOTES AND BILLS. [CH. V. 
 
 If a corporation, certainly authorized to make, sign, accept, 
 or indorse negotiable paper, has an officer authorized to use 
 their name in this way, and this officer writes his own name, 
 as drawer of a bill of exchange, with the express addition of 
 
 ants' corporate name did not appear on the notes, and the notes on their flice did not 
 disclose any agency, Horace Gray & Company, the signers, and not the defendants, 
 were bound thereby ; but that this was not to be understood to prevent the plaintiff 
 from maintaining his action, if the jury should be satisfied that the notes were in fact 
 the notes of the Boston Iron Company, executed under a name adopted and sanctioned 
 by them as indicative of their contracts. It was held, that this instruction was correct. 
 Shaw, C. J. said : " The effect of the instruction thus given, we think, was, that the 
 facts mentioned in the prayer for instructions, to wit, the corporate name not appearing 
 on the notes, and the notes not disclosing any agency, but signed Horace Gray & Com- 
 pany, constituted prima facie evidence that those were the notes of Horace Gray & Com- 
 pany and not of the Boston Iron Company; and, standing alone, wouhl warrant and 
 require the direction, that Horace Gray & Company, and not the Boston Iron Com- 
 pany, were bound by them ; but that this evidence might be rebutted and controlled by 
 proof aliunde that they were in fact the notes of the Boston Iron Company, because 
 executed under a name adopted and sanctioned by them as indicative of their contracts, 
 and, it may be added, given in satisfaction of their debt. The court are of Q])inion that 
 this direction was correct. If by any possible proof the presumption arising from the 
 fiice of the note, and from the form of the execution, from the corporate name of the com- 
 pany not being used, and the use of the name of a mercantile firm, could be rebutted, 
 then the evidence was prima facie, and not conclusive. It seems to be now well settled, 
 in this Commonwealth, since the great multiplication of corporations, extending to al- 
 most all the concerns of business, that trading corporations, whose dealings embrace all 
 transactions froni the largest to the minutest, and affect almost every individual in the 
 community, are aflccted like private persons with obligations arising from implications 
 of law, and from equitable duties which imply obligation ; with constructive notice, im- 
 plied assent, tacit acquiescence, ratifications from acts and from silence, and from their 
 acting upon contracts made by those professing to be their agents ; and, generally, by 
 those legal and equitable considerations which affect the rights of natural persons. We 
 are not dealing iierc with tlie weight, force, or effect of the evidence, but only whether 
 any evidence aliunde could control the presumption arising from the notes ; and we 
 think tliere was evidence competent to go to the jury, from which they might infer that 
 the defendants liad so adopted a name, other than tlieir corporate name, for tlie special 
 purpose of giving notes, as to be bound l)y it when used by a general agent, in liquida- 
 tion of their own debts. .... Under this same objection, also, tlie question was dis- 
 cussed, wiiether a corporation can adopt the name of a mercantile firm, and bind them- 
 selves by notes given in its name. It may not be a wise arrangement, but we are not 
 prepared to say they cannot do it. Suppose the case, which actually occurred, as ap- 
 jjears in the case of Goddurd v. Pratt, IG Tick. 412, that a manufacturing corporation 
 pasa a vote or by-law, providing that all their mercantile business shall be done and 
 contracts made in tlie name of a partnership, whose stock they have taken, and to 
 whose Ijusiness they have succeeded. This may be wise in such a case, in order to keep 
 up an established, extensive, ami valuable correspondence, and retain the run of custom 
 and good-will of an old, establisluMl firm. That case was the reverse of the present, 
 anil the struggle there was to charge the firm, who defended on the ground that their 
 linn iiiune desiginUeil the obligations of the company, and not their own ; and 'he case
 
 CH. v.] CORPORATIONS. 169 
 
 his office, it seems that he will be held to do this officially, and 
 not personally, and to bhid the corporation and not himself. (a) 
 And a bill drawn upon and accepted by him in the same way, 
 will be held to have been drawn upon and accepted by the 
 corporation. (6) 
 
 Any signature of a corporation should always be by writing 
 the name of the corporation, and adding, "by A. B., agent," or 
 " treasurer," &c. And the body of the instrument should con- 
 tain the name of the corporation only. But it is very common 
 
 to find a note running "I, A. B., Treasurer of Company, 
 
 promise," &c., and signed " A. B., Treasurer of Company"; 
 
 and a note actually of the corporation, if made and signed in 
 this way, should, we think, be held in law to be their note.(c) 
 
 turned on the question, whether the phiintifF, when he dealt with them, knew of the dis- 
 solution of the old firm ; if he did not, then, by a well-known rule of the law of part- 
 nershi]), the tinn was bound to him, not having given notice of their dissolution. Had 
 the point in that case been whether the corporation were bound, we can have no doubt 
 that they would have been held bound by their vote for notes made in the name desig- 
 nated." And see, to the same effect, Conro v. Port Henry Iron Co., 12 Barb. 27, 55. 
 See also, ante, p. 92, note y. 
 
 (a) Thus, in Witte v. Derby Fisliing Co., 2 Conn. 260, a bill was drawn by the 
 president of the company, containing a direction to the drawee to place the amount " to 
 account of the Derby Fisliing Company,'' and signed " Canfield Gillct, President." 
 Htld, that the company were liable as drawers. So in SafFord v. Wyckoff, 1 Hill, 11, 
 4 Hill, 442, it was held, that a bill of exchange commencing, " Fanners' Bank of Seneca 
 County," directing the drawee, after payment, to "charge this institution," and signed 
 "J. J. Fenton, Cashier," was to be deemed the act of the bank. But in Kean v. Davis, 
 1 N. J. 683, where a bill of exchange directed the drawee to " charge as ordered," and 
 was signed "John Kean, President E. «& S. R. R. Co.," it was held, that Kean was, 
 prima facie, personally liable as drawer. 
 
 (6) In Sheltou v. Darling, 2 Conn. 435, the bill was directed to " Noyes Darling, 
 Esq., Agent of the Commission Company," and was accepted '• Noyes Darling, Agent 
 C. C." Held, that it was the acceptance of the company, and not of Darling. So in 
 Farmers' and Mechanics' Bank v. Troy City Bank, 1 Doug. Mich. 457, it was held, 
 that a bill of exchange directed to "John A. Welles, Cashier Farmers' and Mechanics' 
 Bank of Michigan," and accepted by writing across tiie face thereof, " Accepted, John 
 A. Welles, Cashier," was drawn upon and accepted by the bank, and not by Welles in 
 his individual capacity. In Moss v. Livingston, 4 Comst. 208, a bill was drawn on, 
 and accepted b}' " J. R. L., President of the Rosendale Manufacturing Co." That 
 company was a corporation, and J. R. L. was the president ; but there was no proof that 
 he was authorized to bind the company by his acceptance. Held, that an action on the 
 acceptance was properly brought against J. R. L. individually. See ante, p. 97, note o. 
 
 (c) Mann v. Chandler, 9 Mass. 335. But see Barker v. Mechanic Fire Ins. Co., 3 
 Wend. 94 ; Brockway ;;. Allen, 17 Wend. 40 ; Hills v Bannister, 8 Cowen, 31 ; M'Clure 
 V. Monnctt, 1 Blackf. 189; Mears v. Graham, 8 Blackf. 143; Cleaveland v. Stewart, 3 
 Ga. 2*3. 
 
 VOL. I. 15
 
 170 NOTES AND BILLS. [CH. V. 
 
 If the note begins, " The President and Directors of Com- 
 pany ])romise," &c., and is signed " A. B., President," or " Sec- 
 retary," or "Cashier," or "Treasurer," or "Agent," it is un- 
 doubtedly the note of the corporation. (cJ) In fact bank-bills 
 are universally signed in this way. It has been said, that if 
 a note be in this form, " I, John Franklin, President of the 
 Mechanic Fire Insurance Company, promise," &c., (Signed) 
 "John Franklin"; or in this form, "I promise to pay," &c., 
 (Signed) "John Franklin, President of the Mechanic Fire In- 
 surance Company " ; that in both of these cases it is the uolC 
 of Franklin, and not of the Company. (e) But we doubt the 
 correctness of tliese positions. There can be no reasonable 
 doubt, in either of the above cases, that the intention was to 
 bind the company, and not the president personally. (/) 
 
 If a bill or note is made payable to " A. B., Cashier," we 
 have authority for saying that an action may be maintained 
 upon it, either by A. B. personally, (g-) or by the bank of which 
 he is cashier, if the paper was actually made and received on 
 account of the bank. (A) And where a promissory note, was 
 made payable " to the Cashier of the Commercial Bank or his 
 order," and the consideration proceeded from the bank, it was 
 held, that an action on the note might be maintained in the 
 name of the bank as the promisee. (i) A note or bill made 
 
 (d) Mott w. Hicks, 1 Cowen, 513; Pitman v. Kintner, 5 Blackf. 250; Cammercial 
 Bank v. Newport Man. Co., 1 B. Mon. 13; Shotwell v. M'Kown, 2 South. B28. In 
 Fitch V. Lawton, 6 How. Miss. 371, the note was in the following form : — 
 Post Note. " Commercial Bank of Podiiri/, 
 
 $ 100. — No. 40. Rodney, Miss., 8 March, 1839. 
 
 Six months after date, we promise to pay R. W. Worthiiigton or order one hundred 
 dollars, at the bank in Rodney, with five per cent, interest until due. 
 
 J. Lawion, Cash'r. Thomas Freeland, Pres't." 
 
 IJekl, that prima fucie it was binding upon Freeland and Lawton individually. Sed 
 qucprc. 
 
 {f) Per S(ivfu/n, C. J., in Barker i>. Mechanic Fire Ins. Co., 3 Wend. 94. 
 
 (/) See Lindus v. Melrose, 3 H & N. 177; Aggs v. Nicholson, 1 IL & N. 165; 
 Ilealey v. Story, 3 Kxch. 3 ; Pcnkivil v. Council, 5 Exch. 381. 
 
 (7) Fairfield v. Adams, If. Pick. 381 ; Shaw v. Stone, 1 Cusli. 228, 254. 
 
 (/i) Watcrvlict Bank v. White, 1 Dcnio, G08 ; Barney u. Newcomb, 9 Cusb 46; Du- 
 pont V. Mount Pleasant Kerry Co , 9 Iticli. 255 ; Wright v. Boyd, 3 Barb. 523. 
 
 (;■) Commercial Bank v. French, 21 Pick. 486. Morton, J. said : " The note is in 
 terms payal.Ie ' to the cashier of fhc^ Comm(!r<nal Bank ' ; and the defendant contends 
 that the action should have been brought in the name of the jtcrson who wa- then 
 cashier, and will not lie in the name of the corporation. It is not denied thai the prop-
 
 CH. v.] CORPORATIONS. 171 
 
 payable to the order of the cashier of a bank authorized by 
 its charter to indorse, is as negotiable as if payable to the order 
 of the bank. (7) 
 
 If a bill or note belonging to a bank be indorsed " A. B., 
 Cashier," there may be some doubt wliether this alone will 
 be sufficient to pass the property in the note ; and still more 
 would it be doubtful whether it would render the bank liable 
 as indorser. But it has been satisfactorily established that the 
 holder may fill up such an indorsement so that it will read 
 "The President and Directors of Bank, by A. B., Cash- 
 ier. (A;) We have already seen that such an indorsement will 
 
 erty of the note is, and ever has been, in the plaintiffs ; but the argument is, that the 
 promise being in the name of the cashier, although made to him in trust, and for the 
 
 benefit of the corporation, it can only be enforced in his name A contract may 
 
 be made to or with a person, as well by description as by name. And where the par- 
 ties can be ascertained, it will be valid, although their names be mistaken or their de- 
 scription be incorrect. It cannot be doubted that a note to the Commercial Bank would 
 be valid, and might be declared on as a promise to the plaintitfs, although their legal 
 name is, ' The President, Directors, and Company of the Commercial Bank.' So a 
 contract with the stockholders, or with the president and directors, or with the directors 
 of the Commercial Bank, would doubtless be, in its legal effects, a contract with the 
 corporation. It is not easy to perceive why a contract with the cashier of a bank is not 
 a contract with the bank itself. The accounts of banks with each other are usually kept 
 in form with the cashiers, but undoubtedly the banks themselves are the real parties to 
 them. The Master, &c. of Sussex Sidney College v. Davenport, 1 Wilson, 184. A 
 corporation being an incorporeal being, and having no existence but in law, can neithet 
 make nor accept contracts, receive nor pay out money, but by the agency of its officers. 
 They are the hands of the corporation by which they execute their contracts, and re. 
 ceive and make payments. Of these oflicers the cashier is the principal. If the note 
 had been made to the corporation, by its appropriate name, the same officer would have 
 demanded and received payment, or would have given notice of non-payment and pro- 
 tested it, and, had it been negotiated, would have made the indorsement, and in pre- 
 cisely the same form as he would upon this note The principle is, that the 
 
 promise must be understood according to the intention of the parties. If in truth it be 
 an undertaking to the corporation, whether a right or a wrong name, whether the name 
 of the corporation or of some of its officers be used, it should be declared on and 
 treated as a promise to the corporation. And there is no so safe criterion as the consid- 
 eration. If this proceed from the corporation, it raises a very strong presumption that 
 the promise is made to them. If no express promise be made, but it be left to legal 
 implic!itit)n, it must be to them." And see Medway Cotton Manufactory v. Adams, 10 
 Mass. 360. See ante, p. 35 and notes. 
 
 (j) Haynes v. Beckman, 6 La. Ann. 224. 
 
 (^■) Northampton Bank v. Pepoon, 1 1 Mass. 288 ; Folger v. Chase, 1 8 Pick. 63. In 
 the recent case of Bank of Genesee v. Patchin Bank, 3 Kern. 309, where the indorse- 
 ment was in the same form, and the action was brought against the bank as indorser, 
 Denio, J. said: "I find some difficulty in saying that this indorsement, as it stands, 
 can be held to be the contract of the defendant. But I am of opinion that the defend-
 
 1 '2 NOTES AND BILLS. [CH. V 
 
 not render the cashier personally liable. (Z) A person who car- 
 ries on business on his own account, in the name of a company 
 which has been incorporated but not organized, and receives 
 in payment of a debt contracted with him in such business a 
 promissory note payable to the order of the corporation, may 
 transfer the note by indorsing it in his own name.(m) 
 
 It is doubtful whether the president, secretary, treasurer, 
 cashier, or any other officer of a corporation, has prima facie 
 a general authority to bind the corporation as a party to bills 
 
 ant should be held liable as indorser upon a different principle, — that of allowing the 
 indorsement to be filled up according to the intention of the parties. In the Northamp- 
 ton Bank v. Pepoon, 1 1 Mass. 288, the defendant was sued as the maker of a negotiable 
 promissory note, which had been indorsed to and held by the Berkshire Bank ; and the 
 question was, as to the transfer by that bank to the plaintiff. The indorsement was by 
 one Learned, an attorney, with full authority from the board of directors ; but the form 
 in which it was done was by the attorney writing his own name upon the note, adding, 
 'as attorney ' The formal words of a common indorsement appear to have been in the 
 first instance written over the name of the attorney, but the court allowed it to be al- 
 tered and filled up as an indorsement by the Berkshire Bank, according to the intent. 
 The court. Chief Justice Parker giving the opinion, upon a motion for a new trial, said : 
 ' We are all satisfied that if the authority of Learned was good to indorse as attorney, 
 the plaintiffs may erase the words written over his name, and substitute other words, 
 which will give effect to the indorsement.' Folger v. Chase, 18 Pick. 63, presented 
 substantially the same question. The plaintiff, in an action against the prior parties to 
 several notes which had been indorsed to, and held by, the Phojnix Bank, made title to 
 the notes by the indorsement of the cashier of that bank made in the same form with 
 that of the bill in question, namely, ' P. H. Folger, Cashier.' It was held that the 
 plaintiffs were entitled to recover, the court saying: 'As to the objection that the in- 
 dorsement is not made in the name of the corporation, we think the indorsement by the 
 cashier, in his official capacity, sufficiently shows that the indorsement was made in be- 
 half of the bank ; and if that is not sufficiently certain, the plaintiffs have a right now to 
 prefi.x the name of the corporation.' It will not fail to be remarked, that these actions 
 were not against the bank whose oflScers iiad indorsed the paper, but against prior par- 
 ties ; but the question in each case was as to the effect of what had been done towards 
 transferring the paper. This, however, does not att'cct their application to this case; 
 for if the indorsement operated to transfer the pa])er upon the princii)Ics of the law 
 merchant, it at the same time created by force of the same law the obligation of indorser. 
 If the liolder iti these cases could write tiie name of the corporation over the signature 
 of the officer, the contract would then be in the usual form, and would carry with it 
 the ordinary coiisc(juen(X'S. The principle thus settled by the Supreme Court of Mas- 
 sachusetts carries into eflect the intention of the parties to such transactions, is in 
 accordance willi legal analogies, \>y wliicii effect is given to indorsements on negotiable 
 paper by allowing them to be filled up iti such iinmner as to carry out what was de- 
 kigned, and is not ojifjoscd to any case in our own courts. I am disposed to follow it ill 
 this case." 'I'lie jujint was not decided by the court. 
 
 (/) Sec (inle, p. 96, note m. 
 
 (m) Biyant v. Eastman, 7 Cush. HI.
 
 CH. v.] CORPORATIONS. 173 
 
 of exchange or promissory notes. («) It has been held, liow- 
 ever, that the cashier of a bank has prima facie authority to 
 indorse all paper belonging to the bank, so as to pass the prop- 
 erty and render the bank liable as indorser.(o) That he has 
 authority to indorse, for the purpose of collection merely, there 
 is no doubt, (jj) It may be well to remember, that at common 
 
 (n) See Moss v. Livingston, 4 Comst. 208; McCullough v. Moss, 5 Denio, 567; 
 Farmers' and Mechanics' Bank v. Troy City Banic, 1 Doug. Mich. 457. 
 
 (o) Tlius, in Wild v. Banlc of Pas.samaquoddy, 3 Mason, 505, Story, J. said: " Thi 
 cashier of a banlc is, virtute officii, generally intrusted with the notes, securities, and 
 other funds of the bank, and is held out to the world by the bank as its general agent 
 in the negotiation, management, and disposal of them. Prima facie, therefore, he 
 must be deemed to have authority to transfer and indorse negotiable securities, held 
 by the bank, for its use and in its behalf No special authority for this purpose is 
 necessary to be proved. If any bank chooses to depart from this general course of 
 business, it is certainly at liberty so to do ; but in such case it is mcumbent on the bank 
 to show that it ha.s interposed a restriction, and that such restriction is known to those 
 with whom it is in tlie habit of doing business. In the present case, the cashier has, as 
 cashier, indorsed the bill in behalf of the bank, and this \s prima facie evidence of au- 
 thority, it being within tlie ordinary duties performed by such an officer. If he was 
 restricted in his authority, it is for the defendants to show it. The proof is in their 
 possession, and tlie plaintiff, who is a stranger to their regulations, cannot be presumed 
 to be conusant of it." So in Fleckner v. U. S. Bank, 8 Wheat. 338, 360, Story, J., 
 delivering the opinion of the court, said : " We are very much inclined to think that 
 the indorsement of notes, like the present, for the use of the bank, falls within the ordi- 
 nary duties and rights belonging to the cashier of the bank, at least if his office be like 
 that of similar institutions, and his rights and duties are not otherwise restricted. The 
 cashier is usually intrusted with all the funds of the bank, in cash, notes, bills, &c., to 
 be used, fiom time to time, for the ordinary and extraordinary exigencies of the bank. 
 He receives directly, or through the subordinate officers, all moneys and notes. He 
 delivers up all discounted notes, and other property, when payments have been duly 
 made. He draws checks, from time to time, for moneys, wherever the bank has de- 
 posits. In short, he is considered the executive officer, through whom, and by whom, 
 the whole moneyed operations of the bank in paying or receiving debts, or discharging 
 or transferring securities, are to be conducted. It does not seem too much, then, to 
 infer, in the absence of all positive restrictions, that it is his duty as well to apply the 
 negotiable funds as the moneyed capital of the bank to discharge its debts and obliga- 
 tions." And see, to the same effect, Everett v. United States, 6 Port. Ala. 166 ; Harper 
 V. Calhoun, 7 How. Miss. 203; Farrar v. Oilman, 19 Maine, 440. But see U. S. 
 Bank v. Fleckner, 8 Mart. La. 309, and cases cited in next note. 
 
 (p) Hartford Bank v. Barry, 17 Mass. 94 ; Elliot v. Abbot, 12 N. H. 549. This was 
 an action of assumpsit, upon a promissory note, dated September 30, 1839, payable to 
 the President, Directors, and Co. of the Ashuelot Bank, or order, in sixty days and 
 grace, and alleged to be indorsed by the cashier of the bank to the plaintiff. The note 
 in question was signed by John Townsend as principal, and by the defendant as surety, 
 and had upon it the indorsement of the cashier of the bank. In giving the opinion of 
 the court, Parker, C. J. said : " Although the bank never had any interest in this note, 
 we see no objection to regarding it as having been made to them, and indorsed to the 
 15*
 
 174 NOTES AND BILLS. [CH. V. 
 
 law 110 stockholders of any corporation are liable for its debts, 
 in any form. But this rule is importantly qualified by statutes 
 in many of our States. 
 
 plaintiff, if the indorsement can be upheld upon the evidence. The signers did promise 
 to pay the bank ; and as they made the promise negotiable, the bank might well trans- 
 fer it. And it makes no difference to the defendant, whether the bank discounted the 
 note, and then sold and indorsed it to the plaintiff; or whether the plaintiff, having 
 funds in the bank, furnished the money in the first instance, the bank indorsing the 
 note to him, and the defendant assenting to the transfer. We come, then, to the 
 question, Has this note been indorsed to the plaintiff, by the bank ? Is that allegation 
 
 in the plaintiff's declaration sustained ? The defendant may deny this The 
 
 ground upon which the cashier may indorse the name of the bank, and transfer the 
 legal interest, in any case, is not because the indorsement is merely nominal, transfer- 
 ring no actual property. If it were so, this indorsement might be supported as the 
 indorsement of the bank. But it is, that the cashier is the agent of the bank for that 
 purpose ; — that, by virtue of his appointment as cashier, the bank authorizes him to 
 make indorsements in such cases. Tested by this principle, the indorsement in this 
 case must fail. It is not the act of the bank, because not made by an agent having 
 power to make an indorsement in such case. The directors are the general agents of 
 the bank. The cashier is a special agent, and a matter of this kind is not within the 
 scope of his authority. The plaintiflTs allegation that the note was indorsed by the 
 bank, therefore, fails ; and this is a material allegation as the case now stands."
 
 CH. VI.] CONSIDERATION. 175 
 
 CHAPTER VI. 
 
 OF THE CONSIDERATION. 
 
 SECTION I. 
 
 OF THE GENERAL PRINCIPLES IN RELATION TO THE CONSIDERATION 
 OF NOTES' AND BILLS. 
 
 By the rules of the common law, no promise which is not 
 made for a consideration can be enforced. This consideration 
 may be either a gain or benefit of any kind to him who makes 
 the promise, or a loss or injury of any kind suffered by him 
 to whom it is made ; such gain being the cause of or the 
 inducement to the promise, and the promise being the cause 
 of or the inducement to such loss. 
 
 To this rule there is an exception, by the ancient law, in 
 favor of a written promise which has a seal attached to it ; 
 or, as it is commonly expressed, a promise under seal ; for 
 the seal, according to the law, imports a consideration. And 
 there is another more recent exception by the law merchant, 
 in favor of negotiable bills and notes in the hands of third 
 parties. 
 
 Even as between immediate parties, this exception has some 
 application. For as between them, unlike the case of other 
 parol contracts, a consideration is presumed in the first in- 
 stance, and therefore need not be proved. But this presump- 
 tion may be rebutted by evidence ; and proof that there was 
 no consideration in fact will constitute a perfect defence. As 
 to subsequent bona fide holders, on the other hand, this pre- 
 sumption is conclusive. As to them, it is immaterial wheth- 
 er there was any consideration between prior parties or not. 
 Therefore, a maker cannot defend himself, on the ground that 
 he promised without consideration, against the suit of an in- 
 dorsee ; nor can an indorser against the suit of the indorsee of 
 his indorsee. But a maker sued by the payee, or an indorser by 
 his indorsee, or, in general, any promisor sued by the party to 
 whom he directly promises, may make this defence. 
 
 We shall find both the reason of this rule and the limitation
 
 176 NOTES AND BILLS. [CH. VI. 
 
 of it in the nature and purpose of negotiable paper. It is in- 
 tended to represent money ; and the rules of law are intended to 
 make this representation accurate and adequate. A, then, hold- 
 ing a note against B, indorses it to C in some business transac- 
 tion, as money. C can judge for himself of B's ability to pay, 
 and of A's, and accepts tlie note. Whether A paid anything to 
 B for it, or whether B had any consideration whatever, or whether 
 if there were a consideration it has or has not failed, C knows 
 not. Perhaps he could ascertain this by sufficient inquiry ; but 
 the inquiry would require much time and labor, and could not 
 be made in every case in which negotiable paper is used in busi- 
 ness, without inconvenience so great as very seriously to dimin- 
 ish the employment and the usefulness of such paper. The law, 
 therefore, takes care of this for him. If C receives the note in 
 good faith, B cannot interpose the objection of want or failure 
 of consideration. The presumption is absolute as to him ; and 
 so it is in favor of any party against any other party, excepting 
 him from whom he, in reference to whom the question is raised, 
 immediately received it. Thus, if a note made without considera- 
 tion, is delivered without consideration to a third party, who pledges 
 it to a bona fide creditor, as security for an existing debt of less 
 value than the note, without notice and for value, the pledgee may 
 maintain an action thereon and recover so much of it as is required 
 to secure his debt.(2)p) 
 
 In the case before supposed, C stands in a different relation to 
 A from what he does to B. Whether any consideration passed 
 between A and B, he cannot be supposed to know, and the law 
 infers or rather supplies it for him. But whether any passed be- 
 tween himself and A, ho must be supposed to know, and there- 
 fore, whihi the law presumes this prima facie, as a proper protec- 
 tion to iicgotialile paper, it permits the defendant to rebut the 
 presumption by evidence. 
 
 In Ji lew of tlie earlier cases, attempts were made to place ne- 
 gotiable paper on the same footing with instruments under seal, 
 even as between the original parties ; (q) especially if it appeared 
 that the paper was intended as a gift to the payee. (r) But it is 
 
 (pp) Finher v. Finher, 98 Mass. 303. 
 
 (7) Sec dicta in Pillntm v. Van Miorop, 3 Bmr. 16G3. 
 
 (r) ThuH, in Livingston v. llustie, 2 Cuincs, 246, Liviiif/.ito7i. J. said : " Wlietlicr the 
 mere want of consideration, even lictvvecn tlic original parties, can he alleged against a 
 promissory note, or n hill of exchange, may well he doiihtcd. It is not ncccssiiry, nsin 
 other fiimjile contraetx, to state a consideration in the declaration ; the instrument itself
 
 CH. VI.] CONSIDERATION. 177 
 
 now well settled, that, in an action against a party to a bill or 
 note by his immediate promisee, a want or failure of considera- 
 tion furnishes the same defence as in the case of any other parol 
 
 imports one, and in this respect partakes of the quality of a specialty. Nor is the 
 plaintiff bound to prove his giving any value for such paper, unless when he sues as 
 bearer of a bill transferable by delivery, and that under suspicious circumstances. 
 Grant v. Vaughan, 3 Burr. 1516. No case can be found where the want of considera- 
 tion alone has been admitted as a good defence. As against the payee, the maker, it 
 is true, has been permitted to show, not a want, but a failure, of consideration, and in 
 f.ll cftsee he may insist on the illegality of it. Chitty says, that the want of consid- 
 eration may be relied on, but not one of the decisions which he cites will bear him 
 out. In Jefferies v. Austin, 1 Stra. 674, the defendant was only permitted to show 
 the note was delivered in the nature of an escrow, and it appearing that the condi- 
 tion on which it was to take effect had not been performed, a verdict was found for 
 him. Here, the consideration which had induced the defendant to make the note 
 failed, but if he had given it to the plaintiff voluntarily, as a gift, and without receiving 
 any value, this would hardly have been a good defence." In Bowers v. Hurd, 10 Mass. 
 427, a woman possessed of a sum of money and desirous of leaving a legacy to a friend 
 to whom she thought herself under obligation, and desirous also to avoid the expense 
 attending a will, made a promissory note payable to that friend, which she placed in 
 the hands of a third person to be by him delivered over to the promisee after her decease. 
 She recognized the transaction in her last sickness, and put into the hands of a person 
 about her, personal securities for the payment of her debts and funeral charges, and 
 especially this promissory note. It was held, that the promisee was legally entitled 
 to the contents of the note, in an action against the administrator of the promisor, 
 her estate being solvent. Parker, J. said : " We do not admit that, when one volun- 
 tarily makes a written promise to another to pay a sum of money, the promise can be 
 avoided merely by proving there was no legal and valuable consideration subsisting at 
 the time ; any more than, if he actually paid over the amount of such note, he can re- 
 cover it back again, because he repents of his generosity. He has, indeed, precluded 
 himself and his representatives from denying a consideration, when he has under his 
 hand acknowledged one. That consideration may not have been of a nature to support 
 an indebitatus assumpsit upon an implied promise; but may, nevertheless, have been a 
 just and adequate foundation of his promise ; and as the circumstances of the transac- 
 tion may be wholly unknown to any but the immediate parties, there is no reason for 
 permitting an executor or administrator to dispute what the deceased never questioned 
 in his lifetime, and never intended should be questioned after his death. We are satis- 
 fied that none of the decisions respecting the avoidance of notes or other written 
 promises, for want of consideration, are impeached by our decision in this case. A 
 careful examination will discover, that in all those cases the ground taken in defence is, 
 not that there was originally no consideration, contrary to the express admission of 
 the promisor, but that the consideration had failed, or that it rested in mistake or 
 misapprehension ; what the parties supposed to be a consideration turning out in fact 
 to be none. It was on this principle that the case of Boutell v. Cowdin, 9 Mass. 254, 
 was decided. In those cases the promisor is ahvays permitted, against the party 
 with whom he contracted, to show the mistake or the foilure of what was supposed to 
 be substantial. This does not contradict his own acknowledgment of value received, 
 but sets up an equitable claim of discharge, upon the ground that both parties were 
 deceived in the contract. Fraud, illegality, and imposition ai-e also proper defences 
 against actions to enforce such promises, depending upon other principles." And see 
 Vol. I.— M
 
 178 NOTES AND BILLS [CH. VL 
 
 contract, (s) And if A makes a note in favor of B, and delivers 
 it to B without consideration, intending it as a gift, and after- 
 wards takes it up and gives a new note instead, this renewed note 
 is without consideration. (^) So also it is well settled that the 
 
 Tate V. Hilbert, 2 Ves. Jr. Ill ; Seton v. Seton, 2 Bro. Ch. 610; Per Purke, B. in 
 Easton v. Pratchett, 1 Cromp. M. & R. 800, and Milnes i'. Dawson, 5 Exch. 948. But 
 see next note. 
 
 (s) Thus, in HoUiday u. Atkinson, 5 B. & C. 501, where a promi'^sory note, ex- 
 pressed to be for value received, was made in favor of an infant aged nine years, and 
 in an action upon the note by the payee against the executors of the maker, no evi- 
 dence of consideration being given, the learned judge told the jury that the note, being 
 for value received, imported that a good consideration existed, and that gratitude to the 
 infant's father, or affection to the child, would suffice. Held, that although the jury 
 might have presumed that a good consideration was given, yet that those pointed out 
 were insuflScient ; and a new trial was granted. In Easton v. Pratchett, 1 Cromp. M. 
 & R. 798, 2 Cromp. M. & R. 542, to a declaration on a bill of exchange by indorsee 
 against indorser, the defendant pleaded that he indorsed the bill to the plaintiff, with- 
 out having or receiving any value or consideration whatsoever for or in respect of his 
 said indorsement ; and that he, the defendant, had not at any time had or received any 
 value or consideration whatsoever for or in respect of such indorsement. Held, after 
 verdict, that the plea was sufficient. In Pearson v. Pearson, 7 Johns. 26, which was an 
 action by the payee against the maker of a promissory note, the court said : " The 
 validity of the note cannot be supported upon the ground taken at the trial, of its being 
 a gift ; for a gift is not consummate and perfect until a delivery of the thing promised ; 
 and imtil then the party may revoke his promise. A parol promise to pay money, as 
 a gift, is no more a ground of action than a promise to deliver a chattel, as a gift. It 
 is the delivery which makes the gift valid. Donatio perjicitur possessiojie accipientis. 
 Noble V. Smith, 2 Johns. 52. The question then was upon the delivery and consid- 
 eration of the note ; for if there was no consideration for the note, it was a nmle pact, 
 and void as between the original parties to it." In Fink v. Cox, 18 Johns. 145, a 
 father, from affection merely, gave to his son a promissory note for one thousand dol- 
 tors, payable to him or order, sixty days after date. In an action of assumpsit brought 
 by the son against the executor of his father, to recover the amount of the note, it was 
 held, that the action could not be maiiuaincd, for it was not a donatio causa 7nortis, nor 
 a valid gift of so much money, but a mere promise to give ; and blood or mtnral affec- 
 tion is not a sufficient consideration to support a simple executory contract. And see 
 Schoonmaker v. Roosa, 17 Johns. 301 ; Slade v. Halsted, 7 Cowen, 322. In Parish v. 
 Stone, 14 Pick. 198, it was /leld, that a promissory note, made upon no other considera- 
 tion than that of eciualizing the distribution of the promisor's estate after his decease, 
 was without a sufficient legal consideration, and therefore could not support an action 
 or found a legal claim. In Clement v. Reppurd, 15 Penn. State, 111, it was held, that 
 the consideration of a jtromissory note not under seal, given for a balance on work 
 done, may be inquired into in a suit between the original parties, even though the 
 maker, at the time it was given, exjiressed himself satisfied with it, there being no evi- 
 dence that, at the time of the settlement or giving of the note, any new consideration 
 passed from the payee to the maker. And see Barnet v. Offerman, 7 Watts, 130; 
 Barnum v. Banium, 9 Conn. 242 ; Klein v. Keyes, 17 Misso. 326 ; Haynes v. Thorn, 8 
 Post. 386. 
 
 (<) Thus, in Copp v. Sawyer, 6 N. H. 386, it was held, that where a promist»or^ note
 
 CH. VI.] CONSIDERATION. 179 
 
 donor's own promissory note, or an unaccepted bill of exchange 
 drawn by the donor, cannot be the subject of a donatio causa 
 mortis. {i() But the note of a third person is a proper subject of 
 such gift, even without indorsement, and the donee may main- 
 tain an action in the name of the executor or administrator of 
 the donor without his consent. (i;) 
 
 It is sometimes an important question, and one not always free 
 from difficulty, particularly in the case of bills of exchange, 
 whether the plaintiff in an action is the immediate promisee of 
 the defendant, within the meaning of the rule, or whether he is 
 to be regarded as a remote party. The drawer of a bill of ex- 
 change is the immediate promisee of the acceptor ; therefore, if 
 the acceptance was without consideration, the drawer cannot re- 
 cover against the acceptor. But it is otherwise of the payee ; he 
 is regarded as a stranger to the acceptor, in respect to the con- 
 
 is made as a gift, and intended as a legacy, no suit can be sustained upon it, in favor 
 of the payee, against the executor or estate of the maicer ; and where such note is exe- 
 cuted and delivered as a gift, and afterwards taken up by the maker, and a new note 
 given for a larger amount in lieu of it, the latter being likewise intended as a gift, the 
 giving up of the first fui-nishes no consideration upon which the latter can be sustained, 
 for any part of the amount. In Hill v. Buckminster, 5 Pick. 391, it was field, that a 
 promissory note, expressed to be for value received, may be avoided, as between the 
 payee and the maker, by proving that there was no consideration for it originally ; and 
 a note given in renewal of one so voidable is likewise without consideration. Parlcer, 
 C. J. said : " In coming to this conclusion, we undoubtedly overrule some of the ex- 
 pressions in the opinion as reported in the case of Bowers v Hurd, 10 Mass. 427, 
 though the case itself was riglitly decided upon other principles. It is in that opinion 
 stated that to a promissory note, in which value is acknowledged to have been received, 
 it cannot be objected in defence, between the original parties, that there was no existing 
 consideration when the promise was made, though it would be competent to show that 
 the consideration had failed or that it was illegal. But furtlier opportunity to examine 
 the cases has convinced us that the opinion so expressed is untenable ; there being cases 
 in tlie English and other books, which are cases clearly of defence founded upon no 
 consideration, rather than a failure of one once existing. This, though contrary to the 
 usual principle of holding a party to his acknowledgment, must be considered as the 
 law, and we cannot depart from it, however disingenuous such defences generally ap- 
 pear to be." And see Geiger v. Cook, 3 Watts & S. 266. In Dawson v. Kearton, 3 
 Smale & G 186, a different opinion is intimated. 
 
 (h) Harris v. Clark, 2 Barb. 94, 3 Comst. 93 (overruling Wright v. Wright, I Cow- 
 en, .598) ; Parish v. Stone, 14 Pick. 198 ; Smith !7. Kittridge, 21 Vt. 238 ; Raymond v. 
 Sellick, 10 Conn. 480 ; Holly v. Adams, 16 Vt. 206; Craig v. Craig, 3 Barb. Ch. 76 ; 
 Flint V. Pattee, 33 N. H. 520. See contra, Jones v. Deyer, 16 Ala. 221 ; Coutant v. 
 Schuyler, 1 Paige, 316; Bowers v. Hurd, 10 Mass. 427 ; Woodbridge v. Spooner, 1 
 Chitty, 661 ; Seton v. Seton, 2 Bro. Ch. 610 ; Wells v. Tucker, 3 Binn. 366. 
 
 {v) Bates V. Kemnton, 7 Gray, 382.
 
 180 NOTES AND BILLS. [CH. VT. 
 
 sideratioA for the acceptance. Consequently, if the acceptance 
 is absolute in its terms, and the bill is received by the payee in 
 good faith and for value, it is no answer to an action by him, that 
 the defendant received no consideration for his acceptance, or that 
 the consideration therefor has failed. And it is immaterial for 
 this purpose, whether the bill is accepted while in the hands of 
 the drawer, and at his request, or has passed into the hands of 
 the payee before acceptance, and is accepted at his request, (i/j) 
 
 {w) Robinson v. Reynolds, 2 Q. B. 196. In assumpsit by indorsee of a bill of ex- 
 change against acceptors, defendants pleaded that K., the drawer, was in the habit of 
 delivering goods to C. to be carried by him to Liverpool, consigned and deliverable 
 there to K.'s order, and on so doing, of receiving from C- a receipt for the goods, bill 
 of lading, or document, which, by the custom of merchants, when indorsed for value, 
 passed the property in the goods, and entitled the indorsee to have them delivered to 
 him. That K. used to obtain advances from plaintiff on indorsing to plaintiff such 
 document, and drawing and delivering to him a bill of exchange on defendants (who 
 traded at Liverpool as purchasers and commission agents of such goods as K delivered 
 to C), if the goods were deliverable to defendants, or on some other person to whom 
 they were deliverable. That plaintiff used to forward the indorsed document to Liver- 
 pool, and to have it presented to defendants (or such other person), and, on the faith 
 thereof, and at plaintiff's request, and in consideration of such security on the goods, 
 defendants (or such other person) used to accept the bill of exchange ; of all which 
 plaintiff had notice. That K., pretending to act in pursuance of such usage, fraudu- 
 lently indorsed and delivered to plaintiff a document in the usual form, to which C.'s 
 signature was forged, j^-etending that it was genuine, and that the goods mentioned in 
 it had been delivered to C, which was false; and K , at the same time, indorsed the 
 bill of exchange to plaintiff, who advanced K. tlie amount on the faith of the document. 
 That plaintiff" indorsed the document, and had it presented to defendants, with the bill 
 of exchange, and requested them to accept the hill of exchange on the faith of, and in 
 consideration of the delivery of, the document, and delivered the document to them as 
 a true one. That defendants, in consideration of the goods mentioned in the document, 
 and confiding and relying on, and in consideration and on the faith of, the document, 
 and, in ignorance of its being forged, accepted the bill of exchange for and at the re- 
 quest of plaintiff. That so the consideration for the acceptance, which defendants had 
 been induced to make under the mistake into which they had been led by the said con- 
 duct and indorsement of plaintiff, wholly failed ; and that there never was any other 
 consideration for the acceptance. Tiie plea did not allege that plaintiff knew the docu- 
 ment to be forged, or represented it to be genuine. Hc^d, by the Court of Queen's 
 Bench, on motion for judgment iton obstante veredicto, to be a bad j)lea. Judgment of 
 tlie Queen's Bench aHirmcd in the Kxchequer Chamber. 7Vn(/^//, C. J., in delivering 
 the judgment of the court in the Exchequer Chaml)cr, said: "The sole ground on 
 which the defendant relics is, that the acceptance was not l)inding on account of the 
 total failure or insulHciency of the consideration for which it was given, the document, 
 on the delivery of which the acceptance was given, having been forged, and there never 
 having been a?iy othc-r cotisidc'ration whatsoever for the acceptance of the defendants. 
 And this would have been a good answer to the action, if the hank had been the drawers 
 of the liill. But the bank are imlorsces, and indorsees for value ; and tlic failure or 
 want of consideration between thein and the aeceutors constitutes no defence; nor
 
 CH. VI.] CONSIDERATION. 181 
 
 It would seem, also, that the question is not always conclusive- 
 ly determined by the form of the instrument. For, although it 
 should appear, on the face of the bill sued on, that the plaintiff 
 was the immediate promisee of the defendant, the plaintiff may 
 show that he was not so in fact ; but that the bill came to him 
 through other hands. Thus, the payee is in general the immedi- 
 ate promisee of the drawer ; and, in an action by the former 
 against the latter, a want or failure of consideration for drawing 
 the bill is a good defence. But if A, in New York, being in- 
 debted to B, in London, procures C, in New York, to draw a bill 
 on London in favor of B, and remits the same to B in payment 
 of his debt, the liability of C to B will be absolute, whether C 
 received any consideration from A or not. For the transaction 
 is the same in substance, as if the bill had been drawn in favor 
 of A, and by him indorsed to B ; and in that case, in an action 
 by B against C, there could of course be no inquiry into the con- 
 sideration between C and A.(x) But if A were the mere agent 
 
 would the want of consideration between the drawer and acceptors (which must be 
 considered as included in the general averment that there was no consideration), unless 
 they took the bill with notice of the want of consideration, which is not averred in this 
 plea. Admitting that the bill was accepted by the drawee at the request of the bank, 
 and on a consideration which turns out to be utterly worthless, the case is the same as 
 if the bill had been accepted without any value at all being givdh by the bank to the 
 defendants ; and, on that supposition, the defendants would still be liable as acceptors 
 to the bank, who are indorsees for value, unless not only such want of consideration 
 existed between the drawer and acceptors, but unless the indorsees had notice or knowl- 
 edge thereof. For the acceptance binds the defendants conclusively, as between them 
 and every hotia fide indorsee for value. And it matters not whether the bill was 
 accepted before or after such an indorsement. Consistently with every averment in the 
 plea, the bill may have been accepted on the credit of the drawer, or for his accommo- 
 dation ; and the plaintiff would then unquestionably have a right to sue, having given 
 full value for it." The plaintiff is spoken of in this case as an indorsee. The bill was 
 in fact drawn to the order of the drawer, and by him indorsed to the plaintiff. The 
 plaintiff, therefore, was substantially the payee. Besides, an indorsee, who takes a 
 bill before it is accepted, is as much an immediate pai'ty to the acceptance as the pavee. 
 
 {x) Munroe v. Bordier, 8 C. B. 862. In this case it was held, that where the purchaser 
 or remitter in London of a foreign bill gets from the drawer, according to the usage in 
 London, credit until the next foreign post-day for the amount, and delivers the bill to 
 the payee, who receives it bona fide and for Value, the drawer is liable for the amount 
 to the payee, although, in consequence of the purchaser or remitter's failure before the 
 next foreign post-day, the drawer never receives value for it. The declaration stated 
 that A (the defendant) made a bill of exchange, and directed it to B, a merchant in 
 France, requiring him to pay the amount to the order of C (the ])laintiff) ; that A 
 delivered the bill to D, who delivered it to C; and that B refused payment, &c. A 
 oleaded that he made and delivered the bill to D for the use of C, on the faith and 
 
 VOL. I. 16
 
 18:2 NOTES AND BTT.LS. [CH. VL 
 
 of B, any defence which would be good agahist him would also 
 be good against B.(?/) If a note, payable to B, is indorsed by 
 
 terms of being paid the price and value thereof according to the nsage of merchants in 
 that behalf, that is to say, on the next foreign post-day ; that neither C nor any other 
 person, then or at any time before or since, paid him the said price or value of the bill, 
 or any part thereof; that he never had any value or consideration for the making or 
 delivery of the bill ; and that C always held and still held the same without any value 
 or considi'ration whatever to him (A) for the same. Replication, that, after the mak- 
 ing of the bill and before it became due, D, who appeared to be, and whom C believed 
 to be, the lawful holder, delivered the bill to him for a good and valuable consideration, 
 and without notice of the premises in the plea mentioned. Held, that the plea was no 
 answer to the action ; and that, even if it were sufficient to call upon C to show bona 
 fides, he did so by his replication. Wilde, C. J. said : " The writers upon foreign bills 
 contemplate the existence of four parties, — the giver of value, or purchaser of the bill, 
 or remitter, as he is often called, — the drawer, — the party to whom the bill is to be 
 paid abroad, — and the drawee. The ordinary course of dealing with reference to for- 
 eign bills, as described by them, begins by the sale of the bill by the drawer to some 
 person other than the payee; it, therefore, does not contemplate that the consideration 
 for the bill should necessarily move from the payee to the drawer, or that no person but 
 the drawer should have a right to confer a title to the bill upon the payee. See Beawcs's 
 Lex Mercatoria, Bills of Exchange, par. 6, p. 416 (452), citing Marius, p. 22. And in 
 par. 14, p. 418 (4-53), he says: 'In case of a remitter's failing before he has paid the 
 value, and the person on whom the bill is drawn gets advice of this occun-ence before 
 acceptance, and therefore refuses to accept it, the bill, on its returning protested, shall be 
 paid, notwithstanding, with all charges, by the drawer, under proof by the possessor that 
 he negotiated the said bill, and paid a just value for it' According to that rule, the 
 plaintiffs would in this case be entitled to recover ; for the plea does not deny that they 
 gave a just value for the bill. Again, in par. 15, Beawes states the law to be, that 
 Mfrhere the drawer gives credit to the remitter, without advising his principal thereof, 
 if the remitter does not pay the money, the drawer shall suffer the loss. Here, it is not 
 shown by the plea, that the bill was handed to the plaintiffs before the next post-day, — 
 and, for the reasons above given, it seems to be immaterial whether it was handed over 
 before or after that day, — nor that the drawers ever gave notice to the payees that the 
 price liad not been duly paid. They may, therefore, be considered to have given credit 
 to the remitter. It appears to us, then, that, on this declaration and pica, it must be 
 taken that Coates & Co. were the purchasers of the bill in question ; and that the 
 drawers placed it in their hands witii a controlling power over it, giving them credit 
 for a certain tiinc for the purchase-money; and that they delivered it to the payees, 
 who received it hoiiu fide and for value; for no fraud is alleged, and value as between 
 Coates & Co. and the plaintifls is not denied. Under such circumstances, we arc of 
 opinion that the ijhiintilfs acquired a good title to the bill, and may sue the drawers 
 upon it, although tlicy have never received value for it. Suppose the bill had been 
 given to Coates & Co. for tiieir accommodation, or a promissory note had been given 
 to them, made payable to the plaintiffs, in order tiiat they, Coates & Co , might borrow 
 money upon it, or hand it over to tlie payees in discharge of a debt, surely the payees, 
 in cither eiuje, might sue ujmn tlie instrument, without proving the giving of value to 
 the drawer or maker. Tiie want of such value could not be relied upon as an answer 
 to the action, on the ground of the contract between the immediate parties to the instra- 
 ment being nudum pactum" 
 
 {i/) I'uget de Bras v. Forbes, 1 Esp. 117. The plaimiff in this case was a foreigner.
 
 CH. VI.] CONSIDERATION. 183 
 
 him in blank and delivered to C, and after passing through sev- 
 eral hands comes into the possession of D, who receives it in 
 good faith and for a valuable consideration, and fills up the blank 
 indorsement directly to himself, and brings an action against the 
 maker ; it is no answer to this action to say, that the note was 
 made and delivered to B without consideration, and by him in- 
 dorsed without consideration. For although D appears on the 
 face of the note to be the immediate indorsee of B, and deduces 
 his title as such, he is not so in fact.(2r) So if A, for a valuable 
 consideration moving from C to him, should procure B to make 
 his note in favor of C, it should seem that it would be no answer 
 to an action by against B, that the latter received no considera- 
 tion for making the note. (a) So if A, for a good consideration 
 moving from B to him, authorizes B to draw upon C to a certain 
 amount, on A's account, and B draws accordingly, and C accepts, 
 C will be as absolutely bound by his acceptance to B, the drawer, 
 as to any subsequent bona fide holder for value. (6) 
 
 A defendant may, in general, make the defence of a want of 
 consideration against a remote party, if he could have made it 
 against a nearer party, and the remote party took the paper from 
 the nearer party with a knowledge that it was open to this de- 
 fence. But a very important exception to this rule prevails in 
 the case of accommodation paper, (c) The plain reason of this 
 
 residing in Holland ; and, having a large sum of money in England in the funds, em- 
 ployed the house of Agassiz, Rougemont, & Co. as his agents, to sell it out, and to 
 remit it to him in bills on Holland. Agassiz, Rougemont, & Co. applied to the defend- 
 ants for the purpose, and, on the seventeenth of February, 1792, got from them bills on 
 Holland, in favor of the plaintiff It was proved to be the custom of London, for per- 
 sons in the habit of remitting foreign bills, to give the bills on one day, but not to re- 
 ceive the money for them until the next post-day. In this case the next post-day was 
 Tuesday, the twenty-first. On Monday, the twentieth, the house of Agassiz, Rouge- 
 mont, & Co stopped payment, so that tiie defendants in fact had never received any 
 value for the bills which they had so drawn on Holland in favor of the plaintiff ; and 
 they having ordered their correspondent abroad not to pay the bills when due, this 
 action was brought against them as drawers of the bill. Held, that the defendants 
 were not liable. But see, as to this case, Poirier v. Morris, 2 Ellis & B. 89. 
 
 (2) Arbouin ;;. Anderson, 1 Q. B. 498. 
 
 (a See per ^Me, C. J., in Munroe v. Bordier, supra, p. 181, note x ; Horn v. Fuller, 
 6 N. H. .511 ; Glascock i;. Rand, 14 Misso. 5.50 But see Rogers v. Morton, 12 Wend. 
 484, 14 Wend. 575 ; Nelson v. Cowing, 6 Hill, 336. 
 
 ( h) See Pillans v. Van Mierop, 3 Burr. 1 663. 
 
 (c) In Smith v. Knox, 3 Esp. 46, Lord Eldon said : " If a person gives a bill of ex- 
 ctianee for a particular purpose, and that is known to the party who takes the bill;
 
 184 NOTES AND BILLS. [CH. VL 
 
 is, that the accommodation maker, acceptor, or indorser intends 
 to lend his credit, and does it as a favor to some party who pays 
 him nothing. This party, therefore, can never sue him, or if he 
 does, the want of consideration will be a perfect defence. But 
 if this accommodated party uses the credit he has borrowed by 
 selling the note or getting it discounted, the holder may say, " I 
 bought the note or discounted it for the very reason that I knew 
 you had lent your credit on it, and I took it on the f\iith of your 
 credit." We must, therefore, understand tlie legal definition of 
 an accommodation party to negotiable paper to be one who puts 
 his name there without any consideration, with the intention of 
 lending his credit to the accommodated party. It seems that a 
 note intended by the maker as a gift to the payee would be gov- 
 erned by the same principles as an accommodation note. The 
 maker, as we have seen, would have a defence as against the 
 payee ; but he would have none, we think, as against a subse- 
 quent holder for a valuable consideration, though such holder 
 received the note with knowledge of the circumstances under 
 which it was given. 
 
 It is however held that an accommodation indorser has, gener- 
 ally, whatever rights of defence the maker nas.(cc) 
 
 The possession of a negotiable note is vrima facie evidence of 
 the right of the holder, and also of the fact that the holder gave 
 value for h.{d) This latter question is often very important. 
 The opinion seems to have prevailed at one time, that in an ac- 
 tion by an indorsee against a maker or against a remote indorser, 
 if the defendant could show that for any cause the action could 
 
 as, for example, if to answer a particular demand, then the party taking the bill cannot 
 apply it to a different purpose ; but where a bill is given under no such restriction, but 
 given merely for the accommodation of the drawer or payee, and that is sent into tlie 
 world, it is no answer to an action brouglit on that bill, that the defcndaiit, tlie accui)tor, 
 accepted it for the accommodation of the drawer, and tliat that fact was known to tlie 
 holder; in such case the holder, if he gave a bona fide consideration for it, is entilh'd to 
 recover the amount, though he had full knowledge of the transaction." So in Brown 
 V. Mott, 7 Johns. ."361, where a note was indorsed for the accommoihition of the maker, 
 and witiiout consideration, it was held, that the indorser was liable for the amount, after 
 due notice of non-payment, tiiough the plainiiflT knew at the time he took tlie note that 
 the indorser had received no consideration ; but if there is fraud in the case, and that 
 known to the plaintiff, the indorser may show it in defence. So in Grant v. Eliicott, 7 
 Wend. 227. it w:m laid, tliiit it is no defence in an acti(m on a bill of exchange by the 
 payee against tin' :ircc|,i(,r, \\va\ \\w hill was accepted without consideration, or, in other 
 words, was iiii acconimodiuion acce[>tance, and that fact known to tlie payee. 
 
 (re) Kawycr v. (!hainhcrH, 44 i'.arli. 42. 
 
 id) Mcf-iiskill V. Mnlhn-d, K Hidi. 47(1; King n. Milsoni, 2 Cnmp. .') ; Collins <;. Mar- 
 tin, 1 15. Hi r. 648: Miiieil v. Heed, 2ii -A In. T.'iO. And ncc tiie next note.
 
 CH VI.] CONSIDERATION. 185 
 
 not have been maintained by the plaintiff's immediate indorser. 
 this would throw upon the plaintiff the burden of proving that 
 he received the note for a valuable consideration. (e) But latterly 
 a distinction has been taken ; and it is now held that mere proof 
 
 (e) Heath v. Sansom, 2 B. iSi Ad. 291. lu this case S., being indebted to a firm in 
 wliieh he was partner, gave a note in the name of another firm to which he also belonged, 
 in discharge of his individual debt. The payees indorsed it over, and the indorsee 
 sued the parties who appeared to be makers. Held, that this note was made in fraud 
 of S.'s partner in the second firm, and could not be enforced against him by the 
 payees, and that, at least under these circumstances of suspicion, the indorsee could 
 not recover witliout proving that he took the note for value. Held also, Parke, J. dis- 
 senting, that in all cases where, from defect of consideration, the original payees can- 
 not recover on the note or bill, the indorsee, to maintain an action against the maker or 
 acceptor, must prove consideration given by himself or a prior indorsee. Lord Tenter- 
 dcM said : " The question is, whether, in order to succeed in this action against the de- 
 fendant Evans, the plaintiff was bound, under the circumstances of the case, to prove 
 a consideration for the indorsement. According to the more recent practice, I think it 
 was incumbent on him to do so ; and this is a stronger case than the ordinary one, in 
 which indorsees have been put to prove value given by reason of the circumstances 
 under which an acceptance or note was obtained, because here the indorsee chooses to 
 bring his action against makers, who are unknown to him, rather than sue the indorscrs, 
 whom he knows, and from whom he took the note." Litthdale, J. : " It has been fre- 
 quently held, that where a note or acceptance of a bill has been obtained by fraud, loss 
 out of the owner's hands, or duress, the indorsee is bound to show that he gave value, 
 and in some instances even that lie became holder bona Jide, and not under circum- 
 stances of suspicion. It may be laid down as a general rule, that if the note or accept- 
 ance were taken under sucii circumstances that the indorser himself could not recover, 
 the indorsee must prove that he became so for a good consideration, though no notice 
 be given him to produce such evidence. There is no more hardship in the necessity of 
 proving consideratioa here than in ordinary actions on simple contract, where the plain- 
 tifi'must be prepared to show a consideration if necessary, though in the great majority 
 of instances no such necessity arises. It may be said, that the rule now laid down is 
 inconvenient, as restraining the negotiability of notes and bills; but this is fully coun- 
 terbalanced by the inconvenience which would arise on the other hand, if a party who 
 could not himself sue on a note or acceptance could put it into the hands of a third 
 person, and, in consequence of such transfer, the proof of value given should be dis- 
 pensed with. The present case is stronger than the ordinary one, of a bill accepted 
 for accommodation, because here some little suspicion arises from the note being in- 
 dorsed over by the Droitwich Company, and the action then brought against the 
 maker." Parke, J.: "I am of the same opinion on the' special circumstances of this 
 case ; but I have always understood that an indorsement must be taken, prima facie, to 
 have been given for value, and that the proof, at least of circumstances tending to throw 
 suspicion on such indorsement, lies on the party disputing its validity before the in- 
 dorsee can be called upon to prove that he gave value for the bill. This doctrine 
 appears to me to be correctly laid down by Eyre, C. J., in Collins v. Martin, 1 B. & P. 
 648. When the note or acceptance has been obtained by felony, by fraud, or by duress, 
 it has been usual to require proof of valuable consideration on the part of the indorsee; 
 and I do not dispute the propriety of that usage, as any one of those facts raises some 
 suspicion of the title of tii(! holder. But I am by no means satisfied that the same rule 
 IG*
 
 18(5 NOTES AND BILLS. [CH. Yl 
 
 that there was no consideration for the note between the original 
 parties, as that it was an accommodation note, or was intended 
 as a gift, or was given for a supposed balance due to the payee 
 when in fact there was no such balance due, or was given for 
 what the parties erroneously supposed to be a sufficient consid- 
 eration, will not make a prima facie case for the defendant. (/) 
 
 can be applied to all cases where an acceptance or note has been given without consid- 
 eration. I think this is a very important question. It is diiScult to reconcile the recent 
 practice (for it is only recent) with principle ; for the simple fact of want of considera- 
 tion between the acceptor and drawer, or maker and payee, affords no inference that 
 the holder received the bill or note mala fide, or without consideration. It is, besides, 
 a practice likely to produce great increase of expense, as, in every instance, a jilaintiff, 
 who is indorsee, can hardly be safe, without being prepared to prove, as to some one at 
 least of the indorsements, that value was given for it ; and this inconvenience may out- 
 weigh that of casting upon the defendant the burden of making out a case of suspicion 
 against the indorsee, before proof or consideration can be required from him." Patte- 
 son, J. : " As at present advised, I think the general rule of practice on this subject has 
 betn correctly stated, and that, where a note or acceptance has been given under such 
 circumstances that the original payee could not recover on it, the indorsee may fairly 
 be called upon to show how it came to his hands, and is not entitled to a previous 
 notice. And, therefore, independently of the circumstances of suspicion in this case, I 
 should think, upon the point of practice alone, this rule ought to be made absolute." 
 Prior to this decision, the rule was very uncertain. See Paterson v Hardacre, 4 Taunt. 
 114; Duncan v. Scott, 1 Camp. 100; Rees v. Marquis of Headfort, 2 Camp. .574; 
 Reynolds v. Chettle, 2 Camp .596 ; Lawson v. Weston, 4 Esp. 56; Thomas v. New- 
 ton, 2 C. & P. 606 ; Delauney v. Mitchell, 1 Stark. 439 ; Bassett v. Dodgin, 10 Bing. 
 40; Mann v. Lent, Moody & M. 240, 10 B. & C. 877 ; Humbert v. Ruding, Chitty 
 on Bills, 9th cd., 651; Spooner v. Gardiner, Ryan & M. 84 ; Browne v. Murray, 
 Ryan & M. 254. And see the Reporter's note to this case. In the later case of Simp- 
 son V. Clarke, 2 Cromp. M. & R. 342, the question was much considered, and the 
 court were strongly inclined to agree with the opinion of the majority of the judges in 
 Heatli V. Sansom. 
 
 (/) This rule was first laid down by Parke, J., in Heath v. Sansom, supra. In 
 Whittaker u. Edmunds, 1 Moody & R. 366, in an action by the third indorsee against 
 the acceptor of a hill of exchange, it was ruled at Nisi I'rius that the mere absence of 
 consideration for tiie acceptance and prior indorsements did not throw the onus upon 
 the plaintiff of proving the consideration of tlic indorsement to him, where no circuni- 
 Btances of fraud or iU( gality appeared. Patteson, J. said : " I am of opinion that the 
 evidence projiosed to be offiM-ed by the defendant will not make it necessary for the 
 plaintiff to j)rove the consideration wliich he gave for the bill. Since the decision of 
 Heath V. Sansom, the consideration of the judges has been a good deal called to the 
 subject; and the ]ireva!eiit ojiiniou amongst th(;m is, that the courts have of late gone 
 too far in restricting the negoliuliilily of bills and notes. If. indeed, the defendant can 
 sliow tliat there has been something of fraud in the previous steps of the transfer of the 
 instrument, that tiirows upon tli(^ plaintiff the necessity of showing under what circum- 
 stances he became |)0ss(!ss(.-d of it. So far I accede to the case of Heath ;.'. Sansom ; 
 for tln;re were in that <'ase circumstances raising a suspicion of fraud ; but if I addcil, 
 on that occasion, Uiat, even inde|)endently of these circumstances of suspicion, the holder
 
 CH. VI.] CONSIDERATION. 187 
 
 The law will still presume that the plaintiff received the note for 
 value. The same rule prevails when the note was given origi 
 nally for a good consideration, but which has since totally or par- 
 
 would have been bound to show the consideration which he gave for the bill merely 
 because there was an absence of consideration as between the previous parties to the 
 bill, I am now decidedly of opinion that such a doctrine was incorrect." In Mills v. 
 Barber, 1 M. & W, 425, which was assumpsit by the indorsee against the acceptor of a 
 bill of exchange, the defendant pleaded that he accepted the bill for the accommodation 
 of the drawer, and that the drawer did not give, nor did the defendant receive, any 
 consideration for his accepting or paying the bill ; that the drawer indorsed the bill to 
 the plaintiff without any consideration, and that the plaintiff held the bill without con- 
 sideration. Replication, that the drawer indorsed the bill to the plaintiff for a good 
 and valuable consideration. Held, that it was not incumbent on the plaintiff to begin 
 and prove, in the first instance, that he gave value for the bill ; but that the rule is 
 otherwise, where the title of the holder is impeaclied on the ground of fraud, duress, or 
 that the bill has been lost or stolen. Lord Abiuger said : " No doubt the rule of law 
 is, that where a plaintiff has not given consideration for a bill of exchange, for which 
 no consideration has been previously obtained, he cannot recover upon it. But the 
 doubt is as to which party is required to give evidence. Cases were cited to show the 
 practice to have been for the plaintiff to prove consideration given by him. I must 
 own, that, as far as my experience has gone, that was the course. I never have known 
 the point mooted except in certain cases. A practice had grown up of giving a notice 
 to the plaintiff calling upon him to prove consideration, and it was a very general 
 course, where such a notice had been given, for the plaintiff to do so in the first instance. 
 But I have known cases where the plaintiff has refused at first, and then, the defendant 
 having proved that the bill was an accommodation bill, the plaintiff' has in reply given 
 proof of his being a holder for value. The judges have taken this question into con- 
 sideration, it having become much more important to settle it, than the particular man- 
 ner in which it should be settled. The Court of King's Bench has been consulted ; 
 and Littledale, J. and Patteson, J. have withdrawn the opinions which they expressed 
 in the case of Heath v. Sansom. In Simpson v. Clarke, undoubtedly, I stated what I 
 now state, that the practice was for the holder to prove that he gave value for the bill 
 I cannot say that I have departed from that opinion without some consideration of the 
 public convenience. In Simpson v. Clarke, I expressly stated that I did not decide the 
 case upon this point, and I said it was not intended to determine the question. It is 
 impossible to read my judgment in that case without perceiving that I abstained from 
 deciding it. I think I made a distinction between bills given for accommodation only, 
 and cases of fraud. There is, indeed, a substantial distinction between them, inasmuch 
 as in the former case it is to be presumed that money has been obtained upon the bill. 
 If a man comes into court without any suspicion of fraud, but only as the holder of an 
 accommodation bill, it may fairly be presumed that he is a holder for value. The 
 proof of its being an accommodation bill is no evidence of the want of consideration 
 in the bolder. If the defendant says, I lent my name to the drawer for the purpose of 
 his raising money upon the bill, the probability is, that money was obtained upon the 
 bill. Unless, therefore, the bill be connected with some fraud, and a suspicion of a 
 fraud be raised from its being shown that something has been done with it of an illegal 
 nature, as that it has been clandestinely taken away, or has been lost or stolen, in which 
 cases the holder must show that he gave value for it, the onus prohandi is cast upon the 
 defendant. The decision of the present case requires only to lay down this rule, that,
 
 188 NOTES AND BILLS. [CH. VI. 
 
 fcially failed. (^) But if the defendant can show that the note 
 was originally obtained by fraud or duress, or has been fraudu- 
 lently obtained from an intermediate holder, or has been lost or 
 stolen, or has been m any way the subject of fraud or felony, this 
 will throw the burden of proof upon the plaintiff, (/i) In such 
 
 where there is no fraud, nor any suspicion of fraud, but the simple fact is, that the de- 
 fendant received no consideration for his acceptance, the plaintiff is not called upon to 
 prove that he gave value for the bill. That seems to be the opinion generally prevail- 
 ing among the judges. In this case the onus proltandi lay on the defendant, and he 
 ought to have gone further." See, to the same effect, Percival v. Frampton, 2 Cromp. 
 M. & R. 180 ; Low v. Chifaej', 1 Bing. N. C. 267 ; Ellicott v. Martin, 6 Md. 509 ; Mor- 
 ton V. Rogers, 14 Wend. 575 ; Knight r. Pugh, 4 Watts & S. 445; Fletcher v. Gushee, 
 32 Maine, 587 ; Ross v. Bedell, 5 Duer, 462. In this last case, Sergeant, J. said : " In 
 cases other than those of negotiable notes obtained or put in circulation by fraud or 
 undue means, the maker, by its negotiable character, agrees that the payee shall put it 
 in circulation. He has no right, therefore, to complain of his own act ; and a holder, 
 placing confidence in such paper, ought not to be compelled to prove consideration. In 
 many cases it would be exceedingly difficult to do so, and to require it would throw a 
 serious impediment in the way of the circulation of negotiable paper. It is otherwise 
 where there is fraud, because there the maker gives no such authority. He is in the 
 light of an unfortunate, rather than an imprudent man, and protection will be given to 
 him so far as to require of the holder proof of a valuable consideration. The policy 
 of the law is to encourage the circulation of negotiable paper, and only interferes to 
 require extraordinary proof from the plaintiff in order to protect one who has been im- 
 posed upon in some way or other." But see Marston v. Forward, 5 Ala. 347 ; Thomp- 
 son V. Armstrong, 7 Ala. 256; Boyd v. Mclvor, 11 Ala. 822. In Jacob y. Hungate, 
 I Moody & R. 445, it was held, that the fact of a bill having been accepted to raise 
 money for the acceptor, and of the payee having appropriated the money so raised to 
 his own use, is not sufRcient to call upon a subsequent indorsee to show that he gave 
 value for the bill. But sec this case explained in Smith v. Braine, 16 Q. B. 253. 
 (7) Knight V. Pugh, 4 Watts & S. 445; Wilson v. Lazier, 11 Grat. 477. 
 (//) In Bailey v. Bidwell, 13 M. & W. 73, it Avas held, that where, in an action on a 
 bill of exchange or jiromissory note, the defendant pleads that it was illegal in its in- 
 ception, and that the plaintiff took it without value, to which the plaintiff replies de 
 injurut, the illegality being proved, the onus is cast upon the plaintiff of proving that 
 he gave value. The same doctrine is declared in Smith v. Braine, 16 Q B. 244.. 
 overruling Brown v. Philpot, 2 Moody & R. 285. In Ilarvcy i;. Towers, 6 Exch. 
 656, in an action by indorsee against acceptor of a bill of excliange, to which the 
 defi-ndant j)lcaded that the bill was obtained by fraud, and that it was indorsed to 
 the phiinriff without consideration, and the plaintiff re])iiod de injuria ; it was held, 
 that, although the latter allegation was necessary to render the plea good, i)roof of 
 the fraud cast on the plaintiff tlio onus of proving consideration. Pollock. C. B. said: 
 " It is now settled, that if a bill be founded in illegality or fraud, or has been the sub- 
 ject of f(!lony or fraud, iqion that being jiroved tin' holder is (ompelled to show th.nt he 
 gave valu'- for it. That was established in Bailey v. Bidwell, and subsequently, by the 
 Court of Queen's Beni'li, in Smith v. Braine, in a considered judgment." Platl, B. : 
 " Bailey v. Bidwell and Sinilli v. limine were tiie decisions of eight judges, that, if 1 
 bill be once infected with fraud or Illegality, the consideration becomes a subject-nr.ctti'i
 
 CH. VI.] CONSIDERATION. 189 
 
 cases the presumption is, that he who has been guilty will part 
 with the note for the purpose of enabling some third party to re- 
 cover upon it for his benefit ; and such presumption operates 
 against the holder, and it devolves upon him to show that he gave 
 value for it. So where the note was given for a distinctly illegal 
 consideration. (i) But it has been recently held in England, that 
 this rule will not apply to a note given in payment of a bet ; for 
 that a bet, though void, and therefore no consideration, is not 
 illegal, so as to raise a presumption that tlie indorsement to the 
 plaintiff was without value. (j) 
 
 to be proved by the plaintiff. There is no hardship in such a rule, for the plaintiff 
 must best know what consideration he gave for the bill ; and besides, he claims under 
 the party who committed the fraud." And see Berry v. Alderman, 14 C. B. 9.5; 
 Duncan v. Scott, 1 Camp. 100 ; Catlin v. Hansen, I Duer, 309 ; Aldrich v. Warren, 
 16 Maine, 465; Perrin v. Noyes, 39 Maine, 384; Munroe v. Cooper, 5 Pick. 412; 
 Worcester County Bank v. Dorchester & Milton Bank, 10 Cush. 488 ; Holme v. Kars- 
 per, 5 Binn. 469 ; Beltzhoover v. Blackstock, 3 Watts, 20 ; Vathir v. Zane, 6 Grat. 246. 
 But see Russel v. Ball, 2 Johns. 50 ; McLemore v. Cannon, 9 La. Ann. 22 ; Matthews v. 
 Poythrcss, 4 Ga. 287, 305 ; Nicholson v. Patton, 13 La. 213 ; Sandford v. Norton, 14 
 Vt. 228; Bertrand v. Barkman, 8 Eng. Ark. 150; Wallace v. Branch Bank, 1 Ala. 
 565 ; Hutchinson v. Boggs, 28 Penn. State, 294 ; McKesson v. Stanberry, 3 Ohio State, 
 156. In New York, it is held that the holder of a note which has a fraudulent incep- 
 tion, or which is obtained from the payee by fraud, must prove that it was transferred 
 to him for value and before maturity, but he is not bound to prove in addition, that at 
 the time of the transfer he had no knowledge of the fraud, the burden of showing this 
 being on the defendant. Hart v. Potter, 4 Duer, 458 ; Ross v. Bedell, 5 Duer, 462. But 
 evidence of fraud is admissible, without an offer on the part of the defendant to prove 
 notice to the plaintift", it being sufficient to cast upon the holder the burden of proving 
 that he gave a valuable consideration. New York and Virginia, &c. Bank v. Gibson, 
 5 Duer, 574 ; Tucker v. Morrill, 1 Allen, 528 ; Sistcrmans v. Field, 9 Gray, As 
 
 to what is a fraud in this respect, see Gray v. Bank of Kentucky, 29 Penn. State, 365. 
 
 (i) See Bailey v. Bidwell, supra; Edmunds v. Groves, 2 M. & W C'"' H'-'.-^vaiia v. 
 Stanley, 2 Q. B. 117. But see Wyatt v. Bulmer, 2 Esp. 538. 
 
 (j) Fitch V. Jones, 5 Ellis & B. 238, 32 Eng. L. & E. 134, Lord CamjMl said : " It 
 is clear that, when there is illegality or fraud shown in a previous holder, a presumption 
 that there is no consideration for the indorsements does arise ; for the person who is guilty 
 of illegality or fraud, and knows that he cannot sue himself, is likely to hand over the 
 instrument to some otiicr person to sue for him It is not properly that the burden of 
 proof as to there being consideration is shifted, hut that the defendant, on whom the 
 burden of proof that there was no consideration lies, has, by proving fraud or illegality 
 in the former holder, raised a prima f<wie presumption that the plaintiff is agent for 
 that holder, and has, therefore, unless that presumption be rebutted, proved that there 
 was no consideration. But no such presumption arises where there was in the former 
 holder a mere want of consideration, without any illegality or fraud. The question, 
 therefore, comes to be, whether this note was given for a consideration merely equiva- 
 lent to no consideration, or whether the note was given in an illegal transaction. I 
 am of opinion that the note did not take its inception in illegality within the meaning
 
 190 NOTES AND BILLS. [CH. VJ. 
 
 It is clear that an indorsee, without consideration, is subject to 
 the same defences as his immediate indorser. For example, if a 
 note is given for a patent right and the patent is declared void, 
 the promisor can defend against the promisee, on the ground of 
 failure of consideration. If the promisee indorsed it before ma- 
 turity, for value, to a holder without notice or knowledge, this 
 defence cannot be made. But if it be indorsed to the same in- 
 dorsee, not for value, it may be made. The reason is this : If 
 the transfer is made only as a pretence, and without actual 
 change of property, but merely to enable the payee to get indi- 
 rectly what he cannot get directly, then the indorsee is the mere 
 agent or trustee of the payee, and the payee is still the real party 
 in interest. If, however, it is made in perfect good faith, both 
 parties believing the consideration sufficient and the note good, 
 and intending that the note shall become by the transfer the 
 property of the indorsee, it is then a gift, and nothing more. 
 
 of the rule. The note was given to secure payment of a wagering contract, which, 
 even before Stat. 8 & 9 Vict. c. 109, the law would not enforce: but it was not illegal; 
 there is no penalty attached to such a wager; it is not in violation of any statute nor 
 of the common law, but is simply void, so that the consideration was not an illegal 
 consideration, but equivalent in law to no consideration at all. Though it is said, in 
 Athcrfuld v. Beard, 2 T. R. 610, that a wager as to the amount of hop duty is contrary 
 to public policy, it is not there meant that it was punishable, but merely that it was an 
 idle wager on a matter in which the parties had no concern, and the discussion of 
 which might prejudice others, like the wager on the sex of the Chevalier D'Eon (see 
 Da Costa v. Jones, 2 Cowp. 729), and therefore was a wager not enforceable by law, 
 though not a breach of any law. The note then being given, not on an illegal consid- 
 eration, but merely on a void consideration, the presumption which the plaintiff would 
 be called upon to rebut did not arise." Erie, J. : " It is clear that the general rule of 
 law is, that when a party to a negotiable instrument pleads a plea excusing him from 
 the fulfilment of the duty of paying according to the tenor of the instromcnt, the bur- 
 den of proving the plea lies on him. It is also clear, that, when the plea alleges that 
 the instrument had its inception in illegality or fraud, and that the plaintiff took it 
 without value, proof tli.ai the instrument had its inception in illegality or fraud raises a 
 presumption that the plaintiff took it without value; and so far shifts the burden of 
 proof, that, unless the plaintiff gives satisfactory evidence that there was consideration 
 for the instrument, the allegation in the plea that there was no qfnsidcration will be 
 taken to Itc proved. The question in the present case is, whether this note was brought 
 within the category of notes tainted with illegality within the meaning of the rule. I 
 am of opinion that it was not. I think that the defendant might, without violating any 
 law, make a wager. If he lost, he might, without violating any law, pay what he had 
 lost, or give a note for the amount. I am of opinion, therefore, that the proof in this 
 case liad the same; legal effect as if it had been proved that the defendant made Nced- 
 Iiam a present of this note. It is not as if the note had been given for an illegal con- 
 sideration, or a fraudulent consideration, but the defendiui! is in the predicament of a 
 person who voluntarily, as far as law is eonecrned, gives a negotiable instruvient
 
 CH. VI.] CONSIDERATION. 191 
 
 And a gift of negotiable paper, not being that use of the paper 
 for which the law supposes it intended, is not such a negotiation 
 of it as the law contemplates and protects. (A;) And if the donee 
 afterwards transfers it by indorsement for less than its value, or 
 a wholly inadequate consideration, but in good faith, his indorsee 
 can "recover, we think, from a prior party, only what this indorsee 
 paid for it.(/) 
 
 In relation to gifts of negotiable paper, generally, supposing 
 them to be in good faith, they are so far valid that tiie donor can- 
 not recover them back from the donee ; neither can the donee re- 
 cover on them against the donor ; but he may recover against 
 prior parties havuig no defence against the donor. (>«-) A for- 
 
 (k) See cases supra. 
 
 (/) Nash V. Brown, Chitty on Bills, 74. In this case a bill of exchange was accepted 
 by the defendant as a present to the payee, who indorsed it to the plaintiff for a small 
 sum advanced by him. And Lord EUenhorough held, that the plaintiff was only entitled 
 to recover so much as he had actually advanced on the bill. So in Allaire v. Harts- 
 horne, 1 N. J. 665, it was held, that in an action on a note, which is invalid between the 
 original parties for want of consideration, by a bona fide holder who has advanced only 
 part of its value, such holder can only recover the amount which he has actually ad- 
 vanced. And see, to the same effect, Chicopee Bank v. Chapin, 8 Met. 40; Youngs v. 
 Ivee, 18 Barb. 187 ; Simpson v. Clarke, 2 Cromp. M. & R. 342; Jones v. Hibbert, 2 
 Stark. 304 ; Wisscn v. Roberts, 1 Esp. 261 ; Williams v. Smith, 2 Hill, 301 ; Petty v. 
 Hannum, 2 Humph. 102 ; Holenian v. Hobson, 8 Humph. 127 ; Bethune v. McCrary, 
 8 Ga. 114 ; Brown v. Mott, 7 Johns. 361. 
 
 {m) Thus, in Milnes ;?. Dawson, 5 Exch. 948, to an action by the indorsee against 
 the acceptor of a bill of exchange, the defendant pleaded, that the drawer indorsed the 
 bill to the plaintiff without value or consideration, and that the plaintiff always held 
 the same without value or consideration; and that, after the bill became due, the drawer 
 accepted certain scrip certificates from the defendant, in full satisfaction and discharge 
 of the bill. Replication, that the bill was indorsed for a good and sufficient considera- 
 tion. Issue thereon. Held, after verdict, that the plea was bad, and that the plaintiff 
 was entitled to judgment non obstante veredicto. Parke, B. said : " It would be alto- 
 gether inconsistent with the negotiability of these instruments, to hold that, after the 
 ■indorser has transferred the property in the instrument, he may, by receiving the amount 
 of it, affect the right of his indorsee. When the property in the bill is passed, the right 
 to sue upon the bill follows also. The question, whether Hanson could sue the plain- 
 tiff, we are not now called upon to determine. If it had been averred that the plaintiff 
 held the bill as his agent, I should not have much difficulty in saying that the action 
 would lie. A bill of exchange is a chattel, and the gift is complete by delivery coupled 
 with the intention to give. If the question as to the rights between donor and donee 
 were now discussed, with reference to the state of the law on the subject as it stood 
 towards the close of the last century, we might hold otherwise than we now do. It has 
 been said, that the donee of a bill of exchange cannot sue the donor upon it, as the 
 donor may well allege that the donee did not give any consideration for it. See 
 HoUiday v. Atkinson, 5 B. & C. 501, and Mr. Chitty 's work on Bills of Exchange, 
 where the cases are to be found collected at p. 74. And, therefore, it may be said that,
 
 1&2 NOTES AND BILLS. [CH. VI. 
 
 fiori, an indorsee who has paid only a partial consideration may 
 recover the whole amount of the note against all prior parties, 
 who have no defence against his immediate indorser.(w) 
 
 If the paper given be not negotiable, the donee may sue, but 
 in the name of the donor. Then, if the donor attempted to de- 
 feat the suit by recalling his gift or denying his authority to s\ie, 
 we think he would not be permitted to do so. And if the de- 
 fendant interposed a set-off or other defence resting on equities 
 which grew up between him and the donor after he had notice 
 of the gift, we think that this would not be allowed. We rest 
 both of these opinions on the general ground that the donor has 
 effectually parted with his rights to the donee, although he has 
 not laid himself under any enforceable obligation. 
 
 When the suit is between any immediate parties, the only con- 
 sideration which comes into question is that which passed, or 
 should have passed, between the plaintiff and defendant. But it 
 is otherwise when the suit is brought against a party who is re- 
 mote from the plahitiff. Here the defendant must begin his de- 
 fence, by showing that no consideration was paid to him, or that 
 it failed, or that he is an accommodation party. If he fails in 
 this, he can go no further as to an inquiry into the consideration, 
 because he certainly owes some one, and if the plaintiff is holder 
 
 if this bill was a gift from Hanson, the plaintiff could not have sued him upon it; but 
 still Hiinson transfurred all his rights to the plaintiff; and how, therefore, can it be 
 contended thi»t a payment to the donor is to be taken as a satisfaction of a bill in the 
 hands of the donee T The learned counsel contends, that it is to be presumed that the 
 indorsement took place after the bill had become due and payable. But we are not at 
 liberty to draw any such inference; and it is perfectly consistent with everything that 
 is stated in this plea, that the full title in the bill was transferred to the plaintiff. If 
 the plea had alleged that the plaintifl' held the bill as Hanson's agent, merely for the 
 purpose of receiving the money for him, then a payment to cither party would have 
 been a good discharge of the party liable upon the bill, and the plea would have been 
 good ; but ill truth the plea does not contain any such averment, and conse(inently it 
 cannot be sustained." Aldcrson, B. : " I am of the same opinion. It is not necessary 
 to say whether Hanson could maintain an action for the recovery of this amount from 
 the plaintiff. But by the indorsement he has transferred to the jilaintiff all the rights 
 which, before the indorsement, he had of suing upon the bill. If, therefore, he has 
 parted with all his rights, and that of suing on the bill, and the j)hiiiitiff has them, how 
 is it possible to say, that a ])ayment to Hanson, who has not the bill, is a due payment 
 to the plainiiff, who has it? " And see Easton v. Pratchett, 1 Cromp. M. & R. 798, 
 2 Crom|). M. & R. .542. 
 
 (n) Kcid I'. Furnival, 5 C. & I'. 499 ; Johnson /-. Kennion, 2 Wilson, 262 ; Tarbcll 
 V. Sturievant, 26 Vt. 513; Moore v. Candeli, 11 Mi-^so. 614; Turner ).'. Brown, .T 
 Smcdes & M. 425.
 
 CH. VI.J CONSIDERATION. 19S 
 
 of the note, it is of no consequence to the defendant what value 
 or whether any value at all was given for it. But if he succeeds 
 in this, one half, and no more, of his defence is made out. For 
 now he must go on and show that the holder (if he took the note 
 or bill before maturity) took it without consideration ; because, 
 if either of these considerations exist, the defendant is liable. (o) 
 The case may be one, as we have seen, in which the defendant, 
 after proving his want of consideration, may put the plaintiff to 
 the proof of his ; but the rule, that both considerations must fail, 
 or, in other words, that either of them will sustain the plaintiff's 
 case, still applies. (/>) 
 
 Bills and notes almost always contain the words " value re- 
 ceived," and it was formerly thought necessary to insert them, 
 and that an instrument without them would not be a bill of ex- 
 change. But it has long been settled that they are immaterial. 
 A consideration is equally presumed to exist, without them or 
 with them..{q) 
 
 The words " value received " are ambiguous, where the bill is 
 drawn payable to a third person ; for they may mean value 
 received by the drawer of the payee, or by the acceptor of the 
 drawer. But the first is the more probable interpretation ; for it 
 is more natural " that the party wlio draws the bill should inform 
 the drawee of a fact which he does not know, than of one of 
 which he must be well aware." (r) 
 
 If, however, the bill is drawn payable to the drawer's own 
 order, the words " value received " must mean received by the 
 acceptor of the drawer ; and on such a bill, if the declaration 
 
 (o) Bosanquet v. Corser, 9 C. & P. 66, 8 M. & W. 142 ; Bosanquet v. Forster, 9 
 C. & P. 659. 
 
 (p) See cases supra, p. 188, note h. 
 
 {q) White v. Ledwick, 4 Doug. 247, Bayley on Bills, 2d Am. ed., p. 33, note 83. 
 Ashhurst, J. said: " The words ' value received " are only inserted ex majori cautela, in 
 order that the payee may be able to recover upon it in an action for money lent, or 
 money had and received, in case the instrument should be defective in other respects as 
 a bill of exchange." But in Townsend v. Derby, 3 Met. 363, it was held, that a note, 
 though it does not purport to be for value received, is admissible in evidence to sup- 
 port a count for money had and received of the payee by the maker. So in Hatch v. 
 Trayes, 1 1 A. & E. 702, it was held, that debt was maintainable on a promissory note, 
 by payee against maker, though the instrument did not express that it was for value 
 r-eceived, or for any consideration. See further, Hubble v. Fogartie, 3 Rich. 413 ; Ken- 
 dall V. Galvin, 1.5 Maine, 131. 
 
 (r) Per Lord Ellenborough in Grant v. Da Costa, 3 Maule & S. 351. 
 
 Vol. I.— N
 
 194 NOTES AND BILLS. [CH. VI. 
 
 state that it was for value received by the drawer, it will be a 
 variance. (s) "Value received," in a promissory note, means 
 received by the maker of the payee. (^) 
 
 It is now well settled, that any statement in a bill or note 
 respecting the consideration may be explained or contradicted by 
 parol evidence. It may be shown, notwithstanding any such 
 statement, either that there was no consideration at all, or that 
 the consideration was different from that stated. (w) 
 
 (s) Highmore v. Primrose, 5 Maule & S. 65 ; Priddy v. Henbrey, 1 B. & C. 674. 
 
 (0 Clayton v. Gosling, 5 B. & C. 361. 
 
 (u) Thus, in Abbott v. Hendricks, 1 Man. & G. 791, in an action on a promissory 
 note, in which the consideration was expressed to be "for commission due to the plain- 
 tiff for business transacted for the defendant," the defendant pleaded that the real con- 
 sideration for the note was services to be thereafter rendered by the plaintiff, which had 
 never been performed. The plaintiff replied de injuria. Held, that evidence in sup- 
 port of this plea was admissible, and ought to have been received by the judge at the 
 trial. Tindal, C. J. said : "I have always understood the law to be, that where an 
 action is brought on a promissory note by the payee against the maker, the defendant 
 may show either that there was no consideration for the note, or that the consideration 
 has failed. Here, the defendant sought to set up the latter ground of defence ; and 
 Foster v. Jolly, 1 Cromp. M. & R. 703, is a sufficient authority that the evidence for 
 that purpose ought to have been received. All the cases cited on the part of the plaitk- 
 tiff have been to the point, that, where a promissory note or bill of exchan^'e has been 
 given, the defendant is not at liberty to set up a different contract from that expressed 
 in the instrument ; that is to say, where the contract on the face of a note is absolute, 
 the defendant will not be permitted to prove that it was contingent; if payable at a 
 certain time, that period cannot be varied ; and where the note is in terms joint, evi- 
 dence will not be allowed to be given that one of the parties was merely a surety. The 
 distinction seems to be this : You may show, either that there was no consideration for 
 the contract, or that it has failed ; but you cannot set up a different conlrract, for that 
 is contrary to the general principles of the law. As a defendant may prove, where 
 'value received ' is expressed in a note, that there was no consideration, so where a 
 special consideration is stated, I think he is at liberty to show that it has failed." Bo- 
 sanqnet, J. : "I am of opinion that the evidence tendered was not rendered inadmissible 
 by reason of the .statement contained in the note. It is true, that the terms of a contract 
 cannot be varied by a parol agreement; but the want of a consideration, or the illegality 
 of the consideration, is a good defence in an action on a promissory note. Although a 
 note is expressed to be given for a good consideration, it may be shown, citlicr that 
 there was no consideration, or that the consideration was illegal If it were competent 
 to parties to exclude such evidence, it would be contrary to every principle of justice. 
 It is the constant practice to admit it; and yet I do not see why it ought not to be 
 excluded, if the statement contained in the present note is to shut out the evidence 
 tendered at the trial." Coltman, J. : "I have always understood the rule to be, that 
 although you cannot vary the terms of a note by parol evidence, you may give cvidcuco 
 to show either that it was originally made without considcnitit)n, or that the considera- 
 tion has failed. This is fully liorne out by the authorities that have been cited. With 
 respect to the cases referred to on the part of the plaintiff, they are distinguishable on 
 the ground that in tliose awes the evidence souglit to be introduced did i:ot refer '^o the
 
 CH. VI.] CONSIDERATION. 195 
 
 A. debt from a third person is, in general, a good consideration 
 for a note.(v) It certainly would be so, if a delay in calling in 
 the debt entered expressly into the bargain. Perliaps, if the 
 debt were payable at once, and the note payable at a future day, 
 or if both were payable in future and the note on the longest time, 
 such agreement for delay would be implied. If the original debt, 
 from the third person, were payable only when the note was pay- 
 able, whether at once or in future, there might be a want of con- 
 sideration, unless credit for the original debt had been given on 
 the promise of this note, which certainly would be sufficient. (^<;) 
 
 consideration, but went to vary the terms of the contract. It seems to me that there 
 was a miscarriage in this case, in not admitting the evidence offered at the trial." 
 Mauh, J. : "I also think that the evidence in question ought to have been received. 
 That evidence was tendered to show that the note was given for services to be after- 
 wards rendered, and that they had never been performed, and it was rejected on the 
 authority of Adams v. Wordley, 1 M. & W. 374. The cases show, that, although a 
 consideration is stated in the note, you may prove that it was given for a different con- 
 sideration, or without any consideration at all. The court is not called upon to say 
 whether the plea is good. It docs not state that the services were to be rendered within 
 a reasonable time; but at present no point arises upon it." And see, to the same effect. 
 Barker v. Prentiss, 6 Mass. 430 ; Matlock v. Livingston, 9 Smedes & M. 489 ; Simon- 
 ton V. Steele, 1 Ala. 357 ; Litchfield v. Falconer, 2 Ala. 280; Smith v. Brooks, 18 Ga. 
 440. Some of the dicta in Ridout v. Bristow, 1 Cromp. & J. 231, must be regarded as 
 overruled. 
 
 (y) PoplewcU v. Wilson, I Stra. 264 ; Coombs v. Ingram, 4 D. & R. 21 1 ; Burkitt v. 
 Ransom, 2 Collyer, 39.5. In Mansfield v. Corbin, 2 Cush. 151, on the trial of an action 
 by the promisee against the maker of a promissory note, which had been given for a 
 debt of the defendant's son, who, at the time of giving the same, was of full age, the 
 jury were instructed that the note was without consideration, unless it was given with 
 the knowledge or at the request of the son, or unless, when it was given, the plaintiff 
 did in fact discharge the debt due to him from the son ; it was held, that these in- 
 structions were insufficient, inasmuch as they precluded the jury from considering all 
 evidence of any other ground of consideration for the note. Wilde, J. said : " These 
 instructions excluded from the consideration of the jury any evidence of a discharge of 
 the debt afterwards, or of a promise to discharge it, or of a promise to delay to prose- 
 cute, or an actual delay; either of which, if proved, would be a sufficient consideration. 
 Indeed, the slightest consideration would be sufficient." 
 
 [ic] .In Childs v. Monins, 2 Brod. & B. 460, it was held, that a promissory note, by 
 which the makers, as executors, jointly and severally, promised to pay on demand with 
 interest, rendered them personally liable. Dallas, C. J. said : " They promise abso- 
 lui;ely, and, further, add an engagement to pay interest ; when, therefore, by the engage- 
 ment to pay interest, they have induced the plaintiff to suspend his clear and admitted 
 
 de.'nand, by so doing they make the promise personal and individual If executors 
 
 were not liable on such a promise, they would be enabled, by making such a promise, 
 to defraud any individual among their testator's creditors. This, too, is a promise 
 whieh. from the circumstance of interest being added, necessarily imports a payment 
 at » fi'ture day, and an executor promising to pay a debt at a future day makes the
 
 196 NOTES AND BILLS. [CH. VL 
 
 So if the note is received in absolute payment and discharge of 
 the debt of the third person, there is undoii))tedly a suflficient 
 ^consideration ; and in Massachnsettts and Maine it will be pre- 
 sumed to have been so received, in the absence of evidence to the 
 contrary. (a:) If the original debtor were dead, the debt would-^ 
 still be a good consideration if he had personal representatives, 
 and the debt were provable against the estate. If it were other- 
 wise, the sufficiency of the consideration might be doubted. (?/) 
 
 Compromises of uncertain or conflicting rights constitute a 
 valid consideration. The law favors these, and will not inquire 
 into the question compromised, or the relative force or value of 
 rights, if there be only an actual and honest compromise of 
 what are supposed to be valid claims. (2) But it must not be the 
 abandonment of a suit (as for any offence) of which public 
 policy requires the prosecution, although a civil action for an 
 injury may be lawfully compromised. (a) Thus, a note in consid- 
 eration of a release of damages for slander is valid, although the 
 words spoken are not actionable. (6) A mere mistake of the law 
 will not impeach a compromise ; (c) but it will be strictly exam- 
 ined, if between parties who have stood in a fiduciary relation, 
 as guardian and ward, trustee and cestui que trust, or, perhaps, 
 insured and insurer. (f/) Whether agreements to compromise, 
 not yet carried into effect, are binding, may not be quite settled. 
 In England it may certainly be doubted ; (e) but we incline to 
 
 debt his own." In Crofts v. Beale, 11 C. B. 172, in assumpsit by payee against 
 maker, on a promissory note payable on demand with interest, the defendant pleaded, 
 that tlic note was made by the defendant as a collateral security for a debt due from 
 one J. S. to the plaintiff; that the defendant was not, at the time of making the note, 
 or ever, liable to pay the debt, or to give the note as a security for the same ; and that 
 there never was any other consideration for the making of the note, save as aforesaid. 
 ILId a sufficient plea of no consideration, after verdict. See also, Sison v. Kidman, 
 3 Man. & G 810, 11 L. J., C. P., N. wS. 100, commented on in Crofts v. Beale, supra. 
 
 (r) Thacher v. Dinsmorc, 5 Mass. 299. Sec post, chapter on Payment by Note or Bill. 
 
 (;/) Sec Scrlo v. Watcrworth, 4 M. & W. 9 ; 8. c nom. Nelson v. Serle, 4 M. & W. 
 79.5 ; Jones v. Ashbiiriiham, 4 East, 455. 
 
 (2) Longridge v. Dorville, 5 H. & Aid. 117; Russell v. Cook, ."} Hill, 504 ; Stewart 
 V Ahrenfddt, 4 Deiiio, 189. 
 
 {n) Keir v. Leeman, 9 Q. B. 371 ; Coppock v. Bower, 4 M. & "W. 361 ; Gardner n 
 MHxey,9B. Mon. 90 ; Clark v. Itieker, 14 N. II. 44 ; Walbridge v. Arnold, 21 Conn. 424 
 
 (/;) O'KcHon V. Barclay, 2 Pcnn. 531. 
 
 (c) Stewart w. Stewart, 6 Clark & F 911, 0G8 ; Taylor v. Patrick, 1 Bibt), 16.S. 
 
 {d) Pickering v. I'ickcring, 2 Bcav. 31 
 
 (e) See Bridgman v. Dean, 7 Kxch. 199, 8 Eng. L. & Eq. 534
 
 CH. VI.] CONSIDERATION. 197 
 
 think that such bargains, made in good faith, would be held in 
 this country to create a mutual obligation. 
 
 If a note be left with arbitrators for them to decide upon, an(? 
 they indorse a certain amount, lea.ving the balance payable, and 
 do this by way of award, this note is held for consideration, and 
 the indorsement is valid. (/) So a note m satisfaction of a breach 
 of covenant, although no release is made, is valid, because the 
 note has the effect of a release, substantially. (^'■) And where 
 there is a hiring to service for a year, and the servant leaves 
 without cause, and the master gives a note for the time he has 
 served, this is a sufficient consideration ; because the master may 
 waive his right founded on the entirety of the contract, if he 
 chooses to do so. (A) An agreement to reconvey, for a certain 
 price, real estate held in fee under a foreclosure of a mortgage, 
 to secure a debt of less amount than the value of the estate, is a 
 sufficient bonsideration, although purporting to be made by two 
 partners, and executed by one only, for a contemporaneous agree- 
 ment to give a promissory note of a larger amount ; and an ac- 
 tion may be maintained to recover the full amount of a note so 
 given, (t) 
 
 Love and affection alone are not a valid consideration for a 
 promise or a note ; not even from parent to child, or from child 
 to parent ; nor by a parent for his child, nor by a child for a pa- 
 rent ; nor by a father and husband for his wife and children ; 
 unless there be something in the relation or the circumstances 
 which creates a legal obligation. (y) Nor is a mere expectation of 
 marriage ; nor, indeed, any mere expectation without right ; and 
 on this ground it has been held, that the rendering of future ser- 
 vices by the payee is not a good consideration for a promissory 
 note, unless there is a binding contract for these services. (A:) 
 Nor is submission to arbitration by a married woman, without 
 the husband's consent. (/) Nor is the promise of one to pay gen- 
 
 (/) Shephard v. Watrous, 3 Caines, 166 ; Schoonmaker v. Roosa, 17 Johns. 301. 
 
 (^r) Moody V. Leavitt, 2 N. H. 171. 
 
 (A) Thorpe v. White, 13 Johns. 53. 
 
 (t) Myers v. Phillips, 7 Gray, 508. 
 
 (j) Holliday v. Atkinson, 5 B. & C. 501 ; Pennington v. Gittings, 2 Gill & J. 
 208 ; Van Derveer v. Wright, 6 Barb. 547 ; Parker v. Carter, 4 Munf. 273 ; Smith v. 
 Kittridge, 21 Vt. 238. See stipru, p. 178, note. 
 
 (k) Hulse V. Hulse, 17 C. B. 711. 
 
 (/) Kurtsey v. Leek, 5 Wend. 20. 
 17*
 
 1!I8 NOTES AND BILLS. [CH. VI 
 
 erally, who is bound to pay only in an especial and representative 
 capacity, binding, unless some new consideration intervene. (m) 
 But a note by an administratrix, for " value received by my late 
 husband," was held to imply and purport a consideration. («) 
 And although a contract may be void, or voidable, by the Statute 
 of Frauds, a note given in pursuance of it will be valid. (o) 
 
 Forbearance of a debt, or any delay in enforcing or prosecut- 
 ing any legal or equitable proceedings for any legal or equitable 
 right, is a good consideration. (^9) Hence, one giving up an over- 
 due note and taking another note becomes a hona fide holder of the 
 latter.( pp) The delay or forbearance may be long or short, provided 
 it is real. It need not be adequate, but must be actual and honest.(g) 
 It may be the forbearance of a debt due from him who makes or 
 transfers the note, or of the debt of another at his request ; and it 
 need not even be at the instance of the person liable to be sued.(r) 
 It may be for a time certain, or for a reasonable time ; or it may be 
 general in its terms ; and if for a reasonable time, the actual 
 time should be alleged, and the court will determine whether it 
 be reasonable. (s) If general in its terms, it will be deemed per- 
 petual ; and a suit at any time is a violation of the promise. (^) 
 
 It may be a cause of action which is yet to arise. (m) It 
 must, however, be a claim or right which has some foundation 
 in law. Thus, no valid consideration is created by forbearance 
 to sue a note given by one insane or otherwise disabled, as by 
 infancy or marriage ; or by forbearance of a debt discharged by 
 law, as if an obligor whose joint obligor has been released ; or 
 by forbearance to prosecute or insist upon illegal process ; or 
 where there are no parties liable to be sued.(i;) If, however, 
 
 (/«) Ten Eyi'k v. Vanderpoel, 8 Jolins. 120; Sclioonmakcr v. Roosn, 17 Johns. 
 301 ; Bunk of Troy v. Topping, 9 Wend. 273. But see Childs v. Moniiis, 2 Brod. & 
 B. 460. 
 
 (/() Kidoul u. Bri.stow, 1 Croinp. & J. 2;n. 
 
 (o) Jones V. Jones, 6 M. & W. 84. And sec Abell v. Douglass, 4 Denio, 305. 
 
 (p) Sec 1 Pursons on CJont. 365. 
 
 (]>l>) I'ratt V. (Joninn, 37 N. Y. 440. But sco lilica /'. Alison, S Haul, 176. 
 
 {q) Jennison v. Stafford, 1 Cush. 168 ; Giles v. Ackles, 9 Penn. State, 147 : Silvia v. 
 Ely, 3 Watts & S 420. 
 
 (r) See cases in ijrcceding note. 
 
 (.s) Lonsdale i-. Brown, 4 Wash. C. C. 148 ; Sid well i;. Evans, 1 Penn. 385 ; Down- 
 ing' I). Funk, 5 Uawle, 6'J ; King v. Upton, 4 Grccnl. 387. 
 
 (/) Clark V. Kussil, 3 Watts, 213 ; Sifiwell v. Evans, 1 I'enn. 385. 
 
 (h) llamaker v. Eherley, 2 Binn. 506. 
 
 (r) Newell v. Fisher, 11 S. & M. 431 ; TIcrriiig v. Donll, 8 Dowl. 604 j Conmon- 
 Wi'iillh r. Johnson, 3 Cush. 4.')4 ; Wade v. Simeon, 2 C. B. 548
 
 CH. VI.] CONSIDERATION. 199 
 
 there be an actual uncertainty or honest doubt as to the validity 
 of the claim forborne, this seems to be enough to make the con 
 sideration good.(z<;) But no forbearance is a valid consideration, 
 unless the promise to forbear, and the promise founded upoL 
 this, are mutually binding, giving a right of action on the breach 
 of either, (a;) 
 
 If a note is put in suit, which the maker gave to the payee at 
 the request of a third person, the payee need not show that any 
 consideration existed as between the maker and the party at 
 whose request the note was given. (y) 
 
 Cross notes are a good consideration for each other ; a prom- 
 ise being a valid consideration for a promise. (2) So is a fluc- 
 tuating balance ; and wliere acceptances were lodged with a 
 banker as collateral security, it was held, that whenever the 
 balance was in favor of the banker, he held those acceptances 
 for value. (ft) So is a judgment debt ; for if a note be given, 
 it either satisfies the judgment, or is and imports an agreement 
 to delay enforcing it. (6) But if the judgment have been pre- 
 
 (w) Longridge v. Dorville, 5 B. & Aid. 117 ; Zane v. Zane, 6 Munf. 406 ; Blake v. 
 Peck, 11 Vt. 483 ; Tmett v. Chaplin, 4 Hawks, 178. 
 
 (x) Cobb V. Page, 17 Penn. State, 469. 
 
 {y) Horn v. Fuller, 6 N. H. 511 ; Mercer v. Lancaster, 5 Penn. State, 160. And see 
 supra, p. 183, note a. 
 
 (z) Thus, in Rolfe v. Caslon, 2 H. Bl. 570, A drew a bill of exchange on B, payable 
 to the order of A, which B accepted, and B drew a bill on A payable to the order of B, 
 which A accepted, for their mutual accommodation. Both bills were payable at the 
 same time, had the same dates, and contained the same sums. Held, that the two bills 
 were mutual engagements, constituting on each part a debt, the one being a considera- 
 tion for the other; tliat neither was given as an indemnity, which was in its nature con- 
 ditional, but created an absolute debt from the beginning ; so that if either party be- 
 came liankrupt, the bill accepted by iiim might be proved under the commission, and, 
 consequently, to an action brought on it his bankruptcy might be pleaded. And see 
 to the same effect, Cowley v. Dunlop, 7 T. R. 565 ; Buckler v. Buttivant, 3 East, 72 ; 
 Dockray v. Dunn, 37 Maine, 442 ; Dowe v. Schutt, 2 Denio, 621 ; Cushing v. Gore, 15 
 Mass. 69 ; Eaton v. Carey, 10 Pick. 211 ; Higginson v. Gray, 6 Met. 212 ; Whittier v. 
 Eager, 1 Allen, 499. In Burdon v. Benton, 9 Q. B. 843, in an action by drawer 
 against acceptor of a bill of exchange, it was held, that a plea that defendant accepted 
 merely for plaintiff's accommodation, and that plaintiff did not, at any time, give any 
 value or consideration for the acceptance, failed, if it appeared that, after the bill was 
 accepted (as alleged) for accommodation, the plaintiff gave a cross acceptance and was 
 obliged to pay the amount, and that the bill accepted by the defendant was due and 
 unpaid at the time of the action brought. See further, Greenwood v. Pattison, 7 La. 
 Ann. 197 ; Shannon v. Langhorn, 9 La. Ann. 526. 
 
 (a) Bosanquet t'. Dudman, 1 Stark. 1 ; BoUand v. Bygrave, Ryan & M. 271. 
 
 (b) Baker v. Walker, 14 M. & W. 465.
 
 200 NOTES AND BILLS. [CH. VI. 
 
 viously satisfied in any way, or set aside, or avoided, it is no 
 consideration, (c) 
 
 If a note given as an apprentice fee be sued, it is no answer 
 that the misconduct of tlie master liad terminated the apprentice- 
 ship, unless the note was on condition that the apprenticesliip 
 should continue for a certain time, and it ended sooner. (^Z) 
 Generally, if a note be given for a promise, or a contract, of 
 which performance can be enforced, a refusal to perform it is no 
 defence to an action on the note. The defendant's remedy is by 
 compelling performance of the promise for which the note was 
 given. (e) The discharge, by a mother of an illegitimate child, 
 of a prosecution brought by her against the putative father, is 
 not only a valid consideration, but it is no defence that a prose- 
 cution was carried on by the overseers, and a decree for main- 
 tenance obtained. (/) If a note be given for a lottery-ticket, 
 which is said and believed to have drawn a prize, it is no defence 
 that it in fact drew a blank. (x^) 
 
 If a note be given for a consideration passing between one of 
 the parties to the note and a third person, and the payee sue the 
 maker, it seems to be held immaterial in that action whether this 
 consideration, as affecting the third party, has failed or not. (A) 
 
 It has been held, and we think rightly, that if one gives a note 
 in fraud of his creditors, and the payee knows it, if the payee 
 sues the note, the fraud may be given in defence. (i) For the 
 parties are in pari delicto ; and neither can found a claim upon 
 it. If money had been paid, it could not be recovered back ; 
 but if, instead of money, a promise is made, in writing or by 
 words only, that promise cannot be enforced. 
 
 If a coj)artnersliip note be given to a partner for a balance due 
 him, and he indorse it over, it is no defence to an action by the 
 indorsee, tliat the plaintiff knew between what parties and for 
 what consideration it was given, (y) So, if a bill be drawn by 
 
 (c) Dcnnison v. Brown, 3 Vt. 170. 
 
 (d) Grant v. Woldwniin, 16 East, 207. 
 
 (';) M(>(,'t;ridf,'i; v. Jones, 14 Kast, 486 ; Freligh v. Piatt, 5 Cowen, 494. 
 (/■) Hav.Mi V. Il()l)l)s, I Vt. 238; Kniglit v. Priest, 2 Vt. 507. 
 (//J Harnuni v. Hariiiiiii, 8 Oonn. 460. 
 
 (/i) I'arsonn ». (;aylonl, 3 .Johns. 4f)3 ; Nickcrson ?>. Howard, 19 Jolins. 113 ; fiRngei 
 r. Cleveland. 10 MaHS. 41.'>. 
 
 (/) Wcarse i'. Peircc, 24 I'iek. 141. 
 
 ( yj Sniitli V. Lusher, h Cowen, 688. And sco anle, p. 137, note z.
 
 CH. VI.] CONSIDERATION. 201 
 
 one partner and accepted, and it has the same effect upon a debt 
 hctween the copartnership and the acceptor as if drawn by the 
 firm, the acceptor is bound. (^") And if a firm be dissolved, and 
 the copartners agree that one of them shall receive all the debts, 
 and another of them draws a bill upon a debtor of the firm, 
 which is accepted, the stipulation in the deed of dissolution is no 
 defence to an action against the acceptor. (Z) But the partner 
 who drew must account with the partner wlio alone had, by the 
 stipulation, a right to draw.(m) And generally, if one partner 
 give another a note, a court of law will not investigate the 
 accounts to ascertain whether the balance was due the payee ; 
 for the only remedy is in the equity jurisdiction over cases of 
 partnership. (/i) But if a member of a corporation, with no new 
 consideration, give his note for a debt of the corporation, payable 
 at a future day, the note is but a promise to pay the debt of 
 another, without consideration. (o) 
 
 If an indorser make an express promise to the maker to take 
 up the note, it is said that " there is no question," but this is a 
 valid consideration for a note to tlie indorser. (/>) The case in 
 which this language is used does not require, nor perhaps justify, 
 so broad a statement ; and, as a general rule, we think it open 
 to some doubt or qualification. 
 
 It is a general rule that if a new promise be made for a valid 
 debt which is barred by some rule of law, as by infancy, limitation, 
 insolvency, or defective notice, the old consideration attaches to the 
 new promise. And it is held that such a promise to a payee enures 
 to the benefit of a subsequent indorsee.(oo) 
 
 If one gives a note for a certain sum, under a mistaken belief 
 that he is liable to the payee to that amount, the note is without 
 consideration ; although the mistake arose from a misapprehension 
 of the law, and not from an ignorance of facts; the maxim, ignoran- 
 tia juris non excusat, not being applicable to such a case.(5') Ajor- 
 
 (k) Thus, in Tomlin v. Lawrence, 3 Moore & P. 555, the defendant havin<; accepted 
 a bill of exchange drawn on him by one of two partners, in his own name, for a debt 
 due to both ; it was held^ that the defendant was liable in an action at the suit of an 
 indorsee, as the defendant could not be sued for the debt due frona him to the partners, 
 until the Viill of exchange was due and dishonored. 
 
 (0 King V. Smith, 4 C. & P. 108. 
 
 (m) King v. Smith, supra. 
 
 (u) Rogers v. Rogers, 1 Hall, 391. 
 
 (o) Rogers v. Waters, 2 Gill & J. 64. 
 
 (oo) Smith V. Richmond, 19 Cal. 476. 
 
 (j)) Cushing V. Gore, 15 Mass. 69. 
 
 (q) Southall V. Rigg, 11 C. 15. 4S1. Jervi.i, C.J. said: " Want of consideration is 
 altogether independent of knowledge either of the facts or the law."
 
 202 NOTES AND BILLS. [CH. VI. 
 
 tiori, ix note given by a party in satisfaction of a liability from 
 ^Yhich he was discharged, in ignorance of the facts which consti- 
 tuted such discharge, cannot be enforced against him, though he 
 may have had the means of knowing those facts.(r) 
 
 If a corporation, required by law to invest its capital in a cer- 
 tain way, takes a note from a shareholder as a part of his stock, 
 to a suit thereon he cannot object that such investment of the 
 capital was not warranted by law.(s) Whether a subscription of 
 money to create or increase the funds or capital is binding or 
 not, must depend upon general considerations, which it would 
 be out of place to present here. If they were binding, a note for 
 the amount would certainly rest on a valid foundation ; but we 
 do not think that a note would make them so, or that the note 
 should be recoverable between the parties, if the simple subscrip- 
 tion were not ; although it has been held otherwise. (/) If the 
 subscription or the promise or note were made to persons who 
 had no legal right to receive the money and apply it to that pur- 
 pose, it seems quite clear that the note would not be valid. (w) 
 
 The prevailing rule in this country on this subject may bo 
 stated thus : If notes are given by one or more persons to any 
 corporation or other legal person, or any trustees, by way of vol- 
 untary subscription, to raise a fund or promote an object, these 
 notes are open to the defence of a want of consideration, unless 
 the payee has expended money, or entered into engagements, 
 which, by a legal necessity, must cause loss or injury to the 
 payee if the notes are not paid. And the mere expectations of 
 the payee would not be enough ; nor the plans and purposes of 
 the payee, if they have not led to actual obligation. (y) If sun- 
 dry subscribers give their notes in such shape that they may be 
 treated as given by each one to the rest, then, according to one 
 
 (r) Tlieiefore, wlicrc a bill of excliiiii<;c, indorsed by A for tlic; accommodation of the 
 drawer, was afterwards altered in a material point, wiUi the consent of the drawer, and 
 when the bill was at iiiaturii)', B, tlie then holder, made a demand upon A, who, igno- 
 rant of the alteration, thou;,'ii he had ample means of knowinff it, ifave B a ])roniissory 
 note for the amount of iIk; bill and expenses, it was held, that it was a t;ood defeii'.'C to 
 an action on the note by B, that, at the time A gave it, be was not in fact awar") of 
 the alteration in the bill. Bell v. (Jardiner, 4 Man. & G. 11. And see Bullock v Og 
 burn, l.*3 Ala. 346; Mereer v Clark, .'l I5ibi), 224. 
 
 («) Little, V Obrien, 9 Mass. 42.'5. 
 
 (0 See Kisher v. Ellis, 3 Pick. 322; Amherst Academy v. Cowls, 6 Pick. 427 
 
 (u) Boutell V. Cowdin, 9 Mass. 2.')4. 
 
 (i;) Sec I Parsons on Cont. 377. et seq.
 
 CH. VI.] FAILURE OF CONSIDERATION. 203 
 
 authoritative decision at least, the notes of the rest w 'm\d bo a 
 valid consideration for the note of each subscriber. (i<;) 
 
 SECTION II. 
 
 OF FAILURE OF CONSIDERATION. 
 
 The entire failure of consideration, after a note is given, is as 
 complete a defence as an original absence of all consideration. (a;) 
 And a partial failure is, under certain circumstances, a partial 
 and proportional defence. (j') We must, however, discriminate 
 between a failure of consideration and a failure of benefit result- 
 ing from it. A promises B to do a certain thing, and B makes 
 his note to A in consideration of this promise. Then A fails en- 
 tirely to perform his promise, but sues B on his note. If B retains 
 A's promise, or if the contract is such that A is always and per- 
 manently held on his promise, B cannot defend against the note 
 on the ground of a failure of consideration. (s) But if B cancels 
 
 {iv) George v. Harris, 4 N. H. 533. 
 
 (x) See Jackson v. Warwick, 7 T. R. 121 (and compare it with Grant v. Welchman, 
 16 East, 207) ; Mann v. Lent, 10 B. & C. 877 ; Cuff «. Brown, 5 Price, 297 ; Knowles 
 «;. Parker, 7 Met. 30; Oertel v. Sciiroeder, 48 111. 133. 
 
 {y) See infra, p. 207. 
 
 (?) In Spiller v. Westlake, 2 B. & Ad. 155, it was held to be no defence to an action 
 by the payee against the maker of a promissory note, that the payee had agreed to con- 
 vey an estate to the maker in consideration of a sura of money then paid or secured to 
 be paid l)y tlie maker (being the sum mentioned in the note), and of a further sura to 
 be paid at a future day, and tliat such estate had not been conveyed. Lord Tenterden 
 said : " Where, by one and the same instrument, a sum of money is agreed to be paid 
 by one party, and a conveyance of an estate to be at the same time executed by the 
 other, the payment of the money and the execution of the conveyance may very prop- 
 erly be considered concurrent acts, and in tliat case no action can be maintained by the 
 vendor to recover the money until he executes or offers to execute a conveyance ; but 
 here the vendee, by a distinct instrumunt, agreed to pay part of the purchase-money on 
 the second of February. I can see no reason why he should have executed a distinct 
 instrument whereby he promised to pay a part of the purchase-money on a particular 
 day, unless it was intended that he should pay the raoney on that day at all events. 
 In the cases cited, the concurrent acts were stipulated for in the same instrument ; here 
 the j)ayment of the £200 (which was part only of the purchase-money) was separately 
 provided for." Parke, 3.: "I incline to think that the defence to this action would 
 have been maintainable, if the circumstances had been such that the defendant, having 
 paid the £ 200 as a deposit, would have been so entitled to recover it back ; but it is per- 
 fectly clear that he could not have been so entitled as long as the contract remained 
 a>pen. Now here the contract remained open at the time when the action was com-
 
 204 NOTES AND BILLS. [CH. VL 
 
 A's promise, and A accepts this, the contract is so far rescinded 
 and annulled, and then the consideration for the note fails. So 
 if one sells with warranty, and there is a breach, this does not 
 permit the buyer to defend against the note he gave for the 
 price ; (a) at least, unless the property proved to be entirely 
 worthless.(^) There should be also, it has been held, an offer to 
 
 menced, for the plaintiffs agreed only to convey the estate subject to the two mortgages. 
 They were never bound to convey the legal estate to the defendant, but merely the 
 equity of redemption ; and that they had never refused to convey." In Trask v. Vin- 
 son, 20 Pick. 105, where the consideration of the note sued on was the assignment of 
 an agreement to convey certain real estate, Morton, J. said : " The defendant's counsel 
 argues, that if the contractor fails to convey according to the terms of his agreement, 
 this will be a failure of the consideration of the notes. In support of the argument ho 
 relies upon the cases of Dickinson v. Hall, 14 Pick. 217, and Rice v. Goddard, 14 Pick. 
 293. There it was holden that where the consideration of a note was the conveyance 
 of property, real or personal, and the title failed, so that notliing passed by the convey- 
 ance, the note was nudum pactum. Those cases were well considered, and are founded 
 on sound jjriaciples, and supported by an irresistible current of authorities. With the 
 exception of a few obiter dicta in our own reports, and the case of Lloyd ik Jewell in 
 Maine, I Green!. 332, scarcely a dictum to the contrary can be found, while there is a 
 remarkable coincidence in all the other American and English decisions upon the sub- 
 ject. But those cases are unlike the present. There, the real consideration, the moving 
 cause of the promise to pay, was the estate actually conveyed ; here, it is an agreomeut 
 to convey, at a future time, and upon the liapjiening of a future event. That was an 
 executed, this an executory contract. The rule of damages, too, would be different 
 in the two cases. There, the rule of damages would be the exact amount of the con- 
 sideration paid ; here, it would be the value of the estate at the time it was to be con- 
 vej'cd. There, if the promisor was holden to pay his note, he might recover for the 
 breach of the covenant of seisin precisely the same sum. Here, the damages recover- 
 able on the stipulation or covenant might be more or less than the amount paid or 
 received." In Moggridge v. Jones, 3 Camp. 38, 14 East, 486, A having agreed to ex- 
 ecute a lease of {)remiscs to B, who was to pay a certain sum for it ; and B, who was 
 let into possession, having accepted a bill for the consideration money drawn on him by 
 A ; it was held to be no defence to an action on the bill by A against B, that the formei 
 refused to execute the lease, but his remedy must be on the agreement. Lord Ellen- 
 horouyli said : " The money agreed upon for the premises would have been payable im- 
 mediately ; but for the convenience of the defendant, the plaintiff agreed to take his 
 acceptances at a future day. This bill must, therefore, be paid in course when due ; 
 and the defendant will have his remedy upon the agreement for the non-execution of 
 the lease." So in Freligh v. Piatt, .') Cowen, 494, where a promissory note was given 
 in consideration of a sale of pews followed with jwsscssion in the vendee, it was held 
 to he no defence tliat tiie vendor refused to convey. The remedy was by compelling a 
 performance. In ("hapman ;;. Eddy, 13 Vt 20.'), it was bid to i)e no defence to a note, 
 that the consideration thereof was a ])romi,sc, by the payee, to give a deed of a pew, 
 by a certain time tiiereafter, wliich was not done within the time specified, nor until 
 after the commenecinent of the action on the note. And see Waile v. Killongh, 3 Stew. 
 & V. 431 ; George v. Stockton, I Ala. 136 ; Read i;. Cummings, 2 Greenl. 82. 
 
 (a) Oiibard v. IJethiiin, .Moody >t M. 4S.'!; Dclnnu r. Iv'nwsoti, 10 Uosw. 2S6. And 
 liCC liifr't, p. 207, note /. 
 
 (h) Sl)c)iliiTd V. 'IVmjih', .'i .\'. II. I.'i.'). In this disc il \mis //(/</, that in im lulion on
 
 CH VI.] FAILURE OF CONSIDERATION. 205 
 
 return the property and rescind tli» contract, (c) The buyer's 
 remedy must be by an action on tlie warranty. But if there is 
 fraud, this avoids the note, although the buyer may also have his 
 action for the deceit, (c?) So it is no defence that the goods for 
 which the note is given are far less in value than was supposed ; 
 for this, in the absence of fraud or warranty, would not be either 
 a partial or total failure of consideration, as the buyer takes that 
 risk upon himself (e) And this might be so even if the loss of 
 value were nearly total, provided the thing supposed to be sold 
 was sold and delivered. If one gave his note for a hundred 
 hogsheads of sugar, and it was found that the sugar had been 
 washed out or otherwise abstracted, in whole or in part, this 
 would be a total or partial failure of consideration. But if the 
 sugar was there, but not so good as the buyer expected, or not 
 worth so much in the market, or even if it were mixed with sand 
 or otherwise deteriorated, not so as to be worthless and unsalable, 
 but so as to be of less value than the buyer expected, this would 
 not be a partial failure of consideration, nor would it, generally, 
 
 a promissory note given for the price of goods sold with a warranty, it is a good defence 
 that the goods turned out to be of no value. And see Rumsey v. Sargent, 1 Foster, 399. 
 
 (c) Thornton v. Wynn, 12 Wheat. 183. See Kase v. John, 10 Watts, 107. 
 
 (d) Lewis v. Cosgrave, 2 Taunt. 2 ; Solomon v. Turner, 1 Stark. 51 ; Fleming v. 
 Simpson, 1 Camp. 40, note. 
 
 (e) Thus, in Rudderow v. Huntington, 3 Sandf. 2.'52, where goods were sold by an 
 auctioneer, without any warranty or misrepresentation, and the same turned out to he 
 spurious, and the labels upon them counterfeit, it was held, that this was no defence to an 
 action on a note given for the purchase-money, there being no proof that the auction- 
 eer knew the fact of the spurious nature of the goods, or that he had any better means 
 of judging of their genuineness than the buyers possessed. And see Fleming v. 
 Simpson, 1 Camp. 40, note. So in Reed v. Prentiss, 1 N. H. 174, it was held to be no 
 defence to an action on a note, that the article for which it was given proved to be of 
 no value. But had the property never passed, or had fraud been practised, or an ex- 
 press warranty been broken in relation to the article, either of these circumstances 
 might have defeated the action. In Perley v. Balch. 23 Pick. 283, Morton, -J. said : " If 
 a chattel be of no value to any one, it cannot be the basis of a bargain ; but if it be of 
 any value to either party, it may be a good consideration for a promise. If it is bene- 
 ficial to the purchaser, he certainly ought to pay for it. If it be a loss to the seller, he 
 is entitled to remuneration for his loss." In Johnson v. Titus, 2 Hill, 606, it was held, 
 that if an article sold be of the slightest value to either the vendor or vendee, it will 
 suffice by way of consideration for a promise to pay the agreed price, however dispro- 
 portionate lo the real value. Accordingly, where one purchased mulberry-trees which 
 turned out to be of no value to him, by reason of being decayed and almost life- 
 less, it was held, that, as there was neither fraud nor warranty in the case, this consti- 
 tuted no defence to an action on a note given for the price. And see Welsh v. Carter, 
 1 Wend. 185 
 
 VOL. I. 18
 
 206 NOTES AND BILLS. [cil. VL 
 
 give the promisor any defence or remedy, unless he should prove 
 fraud or misrepresentation, or warranty, express or implied. 
 
 So also, it is no defence to an action on a bill of exchange given 
 for the purchase-money of projierty sold, that, two months after the 
 delivery of the goods to the vendee, the vendor forcibly retook pos- 
 session of them ; for the vendee cannot treat that act as a rescission 
 of the contract, but must bring trespass. (/) We should think, how- 
 ever, that if the vendor retook the goods as an act of rescission, the 
 vendee might assent to this, and then could defend against the note 
 as avoided. 
 
 But if a note be given in payment of the price of certain goods 
 sold by the payee to the maker, as of the manufacture or growth 
 of a particular person, and answering certain samples, to be deliv- 
 ered by the payee to the maker within a reasonable time ; and the 
 payee fails to deliver goods answering to the description of the con- 
 tract, this will constitute a complete defence to an action on the 
 uote.[g) Under such circumstances, the vendee has a right to 
 rescind the contract ; and if the i^urchase-money had already been 
 paid, he might recover it back. 
 
 Although the seller had no title to the personal property he sold, 
 the buyer cannot defend against the note he gave for it, while he 
 retains possession of the property. ((7</) 
 
 It has been held, that a note for a patent right cannot be enforced 
 if the patent is void, or of no practical value for the purjiose for 
 which it was patented, (^/t) although the seller sold with it some 
 materials, Avhich, however, had no value to the buyer unless the 
 patent was valid. (/i) We should say this is law, although the au- 
 
 (/) Stephens v. Wilkinson, 2 B. & Ad. 320. 
 
 (g) Wells V. Hopkins, 5 M. & W. 7. In this case, to nn action hy the indorsee 
 against the drawer of a hill of exchun<j;e, the defendant |ileuded that the hill wns given 
 in pavment of the price of seventeen pockets of hops sold ity the plaintiff to the defend- 
 ant, as h()|)s of a certain grower, and answering certain samples, to he deli\ oicd hy the 
 plaiiililf ti) tlie defendant witiiin a reasonable time; that, although a reasonalile time 
 had elapsed, the ])hiintitf had not delivered to the (lefendant any hops ans\\(!iing the 
 8ain|)les, or any hops whatsoever; and that there was no consideration for the hill 
 except as aforesaid, lleplicatioii, cle injuria. It appeared that the plaintiff had deliv- 
 ered to the defendant seventeen pockets of Iioi)s, hut inferior to the sami)les. Jldd, that 
 the general allegation in the pica, that the plaintiff had not delivorcil any Imps what- 
 ever, was innriatcrial, and might lie rcjectcfl ; and that, without it, the \\\v\\ showed a 
 total failin-e of consideration, and was an answer to the action. /A'W, also, that if the 
 plaintiff relied on the defendant's acceptance of the inferior hops, he ought to have 
 replied it. AldrrHon^ H. said: ''The latter allegation in the plea was an immaterial one, 
 which need not he proved. It is a total failure of consideration, if there he a Iiargain 
 for a certain kind of goods to he delivered in a reasi-nahlo lime, and no such goods are 
 delivered within a reasonalile lime." And see Bowles v, Nevvhy, 2 Blackf. 364. 
 
 ((/(/) liinton »;. I'orier. ."n ill. 11)7. 
 
 (///t) Kowe ?;. Hlancliaid, IK Wise. 4()1. 
 
 (h) IJIiss V. Negus, H Mass. 40; Karl v. Page, 6 N. II. 477; Dunhar n. Maiden, 13 
 N. H. .'HI ; .Joiilfe v. Collins, 21 Mis-o. :i;38; (Jeiger v. Cook, 3 Watts & S. 260. In 
 Dickinson v. Hall, 14 I'ii'k. 217, where the pinrha-er of n patent right gave therefor 
 his promissory note, and the patent pnjved to he void, the note was hrld to he entirely
 
 CH. VT.] FAILURE OF CONSIDERATION. 207 
 
 thorities are not uniform. (?') So where A appointed B his executor, 
 and gave him a note by way of compensation for the trouble he 
 was to have, and ]i died first, and his executors sued A, the per- 
 formance of B's promise to act as A's executor having become 
 impossible, it was held that the consideration had wholly failed. (j) 
 So if, in an action on a note, it appears that for a definite part the 
 note was for a consideration, and for the residue an accommodation 
 note, the payee recovers only for that part which Avas founded upon 
 consideration. (A") 
 
 It is, however, important to observe, that where a partial failure 
 of the consideration is alleged by the defendant, this part must be« 
 distinct and definite, for only a total failure or a specific and ascer- 
 tained failure of a part can be availed of by way of defence. 
 For any other, the defendant can only have his set-off or cross 
 action. (H-) In several English cases, it is stated generally that 
 a partial failure of consideration is no defence; but they all turn 
 upon the above distinction. (/) Thus, it is always a good defence, 
 
 without considei'ation, notwithstanding the vendor covenanted that he had good right 
 to sell and convey the patented privileges, and that he would warrant the same against 
 the clainis of all persons. The court were of opinion, " that, the patent right being 
 void, there was a total want of consideration for the defendant's promissory note, unless 
 the plaintiff's alleged covenant of title in the patent right constituted a consideration ; 
 that such a covenant would not constitute a valid consideration, for the object of the 
 defendant in making this contract was to obtain, not a mere covenant, but the convey- 
 ance of a patent right; that, although the plaintiff might have purchased and sold the 
 supposed patent right, thinking it to be valuable propert}', still he could not recover in 
 this action, for the defence did not rest on the ground of fraud, but on the ground 
 that the defendant had received no value, and his promise Avas nudum pactum. 
 
 (i) See Williams v. Hicks, 2 Vt. 36. In Clough v. Patrick, 37 Vt. 421. it was held 
 that the worthlessness of a patent right constitutes a perfect defence, although the 
 letters patent are authentic and not vacated. 
 
 U) Solly V. Hinde, 2 Cromp. & M. 516. 
 
 (k) Dariiell v. Williams, 2 Stark. 166; Barber v. Backhouse, Peake, 61 ; Cline v. 
 Miller, 8 Md. 274. 
 
 (kk) One sued on his note for the transfer of a milk route to him, was permitted to 
 prove, by way of recoupment, damages sustained from the payee's continuing to sell 
 milk on that route. Stacy v. Kemp, 97 Mass. 166. See also Gordon v. rarmalee. 15 
 Gray, 413, where there was a deduction from the damages, because of fraudulent rep- 
 resentations in the sale of land. See as to what is required for partial failure of con- 
 sideration to be a partial defence, Harrington v. Lee, 33 Vt. 249, where it is held that 
 there must be fraud upon him in ])rocuring the note, an offer by him to rescind the 
 contract, and an ability to fix the amount exactly. See Eeese v. Gordon, 19 Cal. 177. 
 
 (l) Thus, in Morgan v. Richardson, 1 Camp. 40, note, which was an action against 
 the acceptor of a bill of exchange at the suit of the drawer, tlie bill being ])ayable to his 
 own order, the defence was, that the bill had been accepted for the price of sonic hams 
 bought by the defendant from the plaintiff, to be sent to the East Indies; and that the 
 hams had turned out so very bad tluit they were almost quite unmarketable. The sum 
 for which they actually sold was paid into court. Lord Ellenborough held, that though, 
 where the consideration of a bill of exchange fails entirely, this will be a sufficient 
 defence to an action upon it by the original party, it is no defence to such action that 
 the consideration fails partially; but that under such circumstances the giver of the bill 
 must take his remedy l)y an action against the person to whom it is given. So in Tye 
 V. Gwynne, 2 Camp." 346, in an action on a bill of exchange accepted for the price of 
 goods "purchased for exportation, it was held, that the purchaser could not give in evi- 
 dence that the goods were of a bad quality, and inq)roperly packed; but was driven to 
 his cross action. Lord Ellenborongh said: "Sitting here, 1 shall certainly adhere to
 
 208 NOTES AND BILLS. [CH. VI. 
 
 that the contract on which the note was given has been re- 
 scinded ;(m) or that the property in the thing sold did not 
 
 the jndsment of the court in Morgan v. Richardson. Although money was there paid 
 into court, that circumstance formed no ingredient in the opinion 1 then expressed. A 
 bill of exchange cannot be accepted on a quantum meruit. There is a difference be- 
 tween want of consideration and failure of consideration. The former may be given 
 in evidence to reduce the damages ; the latter cannot, but furnishes a distinct and inde- 
 pendent cause of action." In Obbard v. Betham, Moody & M. 483, in an action by the 
 drawer against the acceptor of bills of exchange given for goods supplied, v/hich were 
 to be " of good quality and moderate price," and were estimated at about £400, and 
 the bills given for that amount ; it was held to be no defence that the goods turned out 
 to be worth much less than the estimated price, and that the acceptor had paid more 
 than the real value of the goods on the bills. Lord Tenterden said : " The cases cited 
 for the plaintiffs have completely established the distinction between an action for the 
 price of the goods, and an action on the security given for them. In the former, the 
 value only can be recovered ; in the latter, I take it to have been settled by those cases, 
 and acted upon ever since as law, that the party holding bills given for the price of 
 goods supplied can recover upon them, unless there has been a total failure of consider- 
 ation. If the consideration fails partially, as by the inferiority of the article furnished 
 to that ordered, the buyer must seek his remedy by a cross action. The warranty relied 
 on in this case makes no difference. In Morgan v. Richardson, the hams bought turned 
 out unmarketable. That was just as much a breach of warranty as there is in the pres- 
 ent case ; for every man selling a commodity warrants it to be of merchantable quality,- 
 no purchaser buys except upon that understanding." In Day v. Nix, 9 J. B. Moore, 
 1.59, it was held, that a partial failure of consideration for a promissory note constitutes 
 no ground of defence, if the rjnnntum to be deducted on that account is matter not of 
 definite computation, but of unliquidated damages ; as, where a note was given for the 
 plaintiff's disclosing to the defendant an improvement in certain machinery, which 
 turned out to be less beneficial than was anticipated by the parties In Trickey v. 
 Lame, 6 M. & W. 278, to an action by drawer against acceptor of a bill of exchange 
 for £'20 Ss. Gd , the defendant j)lea(led tliat, before the drawing and acceptance of the 
 bill, it was agreed between the plaintiff and defendant that the plaintiff slionid do cer- 
 tain carpenter's work for the defendant for £6.3; that the defendant jiaid the jilaintiff 
 £43 in part payment of the £63, and afterwards accepted the bill of exchange, on 
 account of the residue of the .£63 ; that the plaintiff did not perform his agreement, 
 but neglected to perform some work, and performed in an unworkmanlike manner other 
 ■work, necessary to be done under the agreement; and that the .£43 was more than the 
 whole work done was worth. ILId iiad, on motion for judgment iion ol>slanl(' veredicto, 
 as disclosing, not a total failure of consideration for the bill, but only a partial failure 
 of the consideration, to which the money payment and the l)ill were alike a|)])licable. 
 See also, Oascoync i\ Smith, M'Cl. «& Y. 338. In Warwick v. Nairn, 10 Exch. 762, 
 to an action by the drawer against the acceptor of a bill of exchange for .£313 12s. 9d. 
 the defendant [)leaded, exccjit as to £108 15s. :id. parcel, that the bill was drawn and 
 accepted in respect of the price of certain goods sold by the plaintiffs to the defendant, 
 and for no other debt ; that, at the time of sale, the plaintiffs ])roniiscd the defendant 
 that the goods should be of a certain quality ; that he bought the goods and accepted 
 the bill on the faith of the plaintiff's promise; that the goods delivered were not of the 
 fliuility specified, but of inferior (luality, and that they were of the value of .-£108 15s. 3d. 
 and no more; and that, save as aforesaid, there never was any value or consideration 
 for the nmkiiig or accepting the said bill of exchange. Held, on dcniurrcr, that the 
 
 (>»/) Benson v. Smith, 2 La. 102.
 
 CH. rr.] FAILURE OF CONSIDERATION. 209 
 
 pass.(n) That goods or property for which the note was given 
 are wholly worthless may not be a sufficient defence, for there 
 naay have been no fault and no warranty. But it would con- 
 stitute a good defence if there were a warranty, or any element 
 of fraud on the part of the payee.(wn) And we should 
 infer from what seems to be the weight of authority, that it is 
 a sufficient defence, that the title of the vendor has wholly failed, 
 
 plea was bad. Per curiam : " The plaintiffs are entitled to judgment. The authorities 
 are decisive that this plea is bad. If the defendant seeks to have them overruled, he 
 must taive the case to the Court of Error." Sully v. Frean, 10 Exch 535, is to the 
 same effect. In Drew v. Towle, 7 Fost. 412, it was held, that a partial failure of con- 
 sideration is a good defence to a promissory note, where the amount to be deducted on 
 that account is matter to be ascertained by mere computation ; but it is otherwise where 
 such amount depends upon the ascertainment of unliquidated damages. In Elminger 
 V. Drew, 4 McLean, .388, where the consideration of the note was a quantity of fish 
 sold by the payee to the maker, and warranted to be " well cured, good, sound, and 
 wholesome ; " it was held, that a breach of this warranty was no defence to an action 
 on the note. And see, to the same effect, Washburn v. Picot, 3 Dev. 390. So in 
 Pulsifer v. Hotchkiss, 12 Conn. 234, it was held, that, in an action on a bill or note, the 
 defendant cannot show a partial failure of consideration to reduce the damages, if the 
 quantum to be deducted, on account of such partial failure, is not of definite computa- 
 tion, but of unliquidated damages, and there has been no attempt to repudiate the con- 
 tract or restore the consideration. Therefore, where A had sold an interest in a patent 
 right to B, accompanied with a false representation ; and the interest thus sold was of 
 some value, but of less than it would have been if the representation had been true, 
 but the difference was of an uncertain and unliquidated amount, and B did not repu- 
 diate the contract, nor offer to restore the interest sold ; in an action on a promissory 
 note given by B to A for such interest, it was held, that B could not avail himself of 
 such partial failure of consideration to reduce the damages below the sum ex])rcssed in 
 the note. But see Andrews v. Wheaton, 23 Conn. 112. In Spalding v. Vandercook, 
 2 Wend. 431, where the consideration of the note declared on was the making of a 
 quantity of provision barrels by the plaintiff for the defendant, under an agreement to 
 manufacture the same so that they would pass inspection under the law regulating the 
 inspection of beef and pork; it was held, that the defendant might show, in order to 
 reduce the amount of the plaintiff's recovery, that a portion of the barrels were manu- 
 factured in an unskilful manner, and not in compliance with the terms of the contract, 
 whereby the defendant lost the sale of the same. So in Harrington v. Stratton, 22 
 Pick. 510, in an action by the payee against the maker of a promissory note given for 
 the price of a chattel, it was held competent for the maker to prove, in reduction of 
 damages, that the sale was effected by means of false representations of the value of 
 the chattel, on the part of the payee, although the chattel had not been returned or ten- 
 dered to him. In Peden v. Moore, 1 Stew. & P. 71, it was held, that whenever a de- 
 fendant can maintain a cross action for damages, on account of a defect in personal 
 property purchased by him, or for a non-compliance by the plaintiff with his part of the 
 contract, the former may, in defence to an action upon his note, made in consequence 
 of such purchase or contract, claim reduction corresponding with the injury he has sus- 
 tained. And see Wadsworth v. Smith, 23 Maine, 562 ; Hills v. Bannister, 8 Cowen, 
 31 ; Wade v. Scott, 7 Misso. 509 ; Barr v. Baker, 9 Misso. 840. 
 
 (n) Reed ;;. Prentiss, I N. H. 17-i. 
 
 (nn) See cases in preceding note, and O'Neal v. Bacon, 1 Houston, 215. 
 
 Vol. I.— O
 
 210 NOTES AND BILLS. [CH. VI. 
 
 even if he is liable on covenants in his deed ; but the cases cited 
 in our note will show that this is not certain.(o) But a failure 
 of title to a part of the land, or incumbrance upon it,(/?) or the 
 exorbitant price of the goods, or that they were damaged, al- 
 though supposed to be sound, would not be a defence. Nor will 
 
 (o) The first case on this point was Frisbee v. Hoffnagle, 11 Johns. 50. H. gave a 
 promissory note to F. for the purehase-money of a certain piece of land, conveyed by 
 F. to H. by deed, with warranty ; and at the time of the conveyance there was a judg- 
 ment against F., under which the land was afterwards sold and conveyed. In an action 
 brought by F. against H. on the note, it was held, that the suit could not be maintained, 
 as the consideration of the note had wholly failed, the title of H. being extinguished by 
 the sale under the judgment, though he had not yet been evicted by the purchaser, for 
 he was liable to be evicted, and was responsible to him for the mesne profits. The doc- 
 trine of this case has generally been followed substantially. In Rice v. Goddard, 14 
 Pick. 293, the court said : " The note was given in consideration of the conveyance of 
 land by deed with the usual covenants of seisin and warranty. The title to the land 
 failed entirely ; and the question is, whether that want of title is an entire want of con- 
 sideration for the note, so as to render it nudum pactum, or whether the covenants were 
 of themselves a sufficient consideration to support the promise. It was decided by the 
 court in Maine, in Lloyd v. Jewell, 1 Greenl. 360, that the covenants were a sufficient 
 consideration. The decisions of that court are entitled to great respect ; the opinion, 
 however, in the case cited, was grounded on what was considered to be the settled law 
 of Massachusetts ; but though there have been dicta, ( Fowler v. Shearer, 7 Mass. 1 9 ; 
 Phelps V. Decker, 10 Mass. 279,) there has been no decision in this State to that effect, 
 and so the foundation of the opinion fails. The same subject has been before the 
 courts of other States, and the decisions have uniformly been, that a total failure of 
 title is a total failure of the consideration. Frisbee v. Hoffnagle, 1 1 Johns. 50 ; M'Al- 
 lister V. Reab, 4 Wend. 483 ; Steinhauer v. Witman, 1 S. & R. 447 ; Gray v. Handkin- 
 Bon, 1 Bay, 278; Bell v. Huggins, 1 Bay, 327; Cliandler v. Marsh, 3 Vt. 162 ; Tillot- 
 Bon i;. Grapes, 4 N. H. 448. The promise is not made for a promise, but for the land ; 
 the moving cause is the estate ; and if that fails to pass, the promise is a mere nudum 
 pactum. It was objected, that the rule of damages in an action on the covenant would 
 be different from the consideration of the promise ; but in the case of a total failure of 
 title, the amount of damages would be the same ; and it is just that a party should be 
 allowed to show a total failure, in an action on the promise, instead of being com- 
 pelled to seek his remcily on the covenants." But in Hoy v. Taliaferro, 8 Smedes & 
 M. 727, it was held, that a vendee of land who has received a deed with covenants of 
 warranty, and been let into possession, cannot, when sued at law on the notes given for 
 the purchase-money, set up the defence of failure of consideration, without ,'^howing an 
 actual eviction. See further, Knapp v. Lee, 3 Pick. 452 ; Trask v. Vinson, 20 Pick. 
 105 ; Cook V. Mi.x, 11 Conn. 432 ; Jenness v. Parker, 24 Maine, 289 ; Drew v. Towle, 
 7 Foster 412 ; Tyler v. Young, 2 Scam. 444 ; Gregory v. Scott, 4 Scam. 392 ; Slack v. 
 McLagan, 15 111. 242 ; Scudder v. Andrews, 2 McLean, 464. But see Young v Trip- 
 lett, 5 Littcll, 247 ; Cullum v Branch Bank, 4 Ala. 21 ; Dunn v. White, 1 Ala. 645; 
 Wilson V. Jordan, 3 Stew. & P. 92. 
 
 (p) Grecnlcaf r. Cook, 2 Wheat. 13; Howard r. Witham, 2 Greenl. 390; Went- 
 worth V. Goodwin, 21 MHine, 150; Morrison v. Jewell, 34 Maine, 146; Cliaso v. 
 We.Hton, 12 N. II. 413; Lattin v. Vail' 17 Wend. 188; Jenness v. Parker, 24 Maine, 
 289.
 
 CH. VI.] FAILURE OF CONSIDERATION. 211 
 
 a court of equity, where the failure of consideration is unliqui- 
 dated, restrain an action on the note and bill, and order an ac 
 count. (9) 
 
 It is certain that a mere inadequacy of value is not the same 
 as, and has not the effect of, a total or a partial failure of consid- 
 eration, (r) And we apprehend that the difficulty of discrimi- 
 nating between inadequacy and partial failure has been a princi- 
 pal cause of the conflict among the American cases as to the effect 
 of a partial failure of consideration. They cannot be wliolly 
 reconciled ; but we believe that the principles we have stated 
 above are sustained by the weight of authority. It is quite cer- 
 tain, not only that fraud would always be a good defence, but 
 that extreme inadequacy of value might be evidence of fraud, and 
 the evidence would be stronger as this inadequacy was greater. 
 
 A partial want of consideration, like a partial failure, is a good 
 defence />ro tanto. But a distinction is to be observed between 
 the two. A partial failure of consideration, as we have seen, 
 furnishes no defence, unless the amount is ascertained and liqui- 
 dated. But when there is originally a partial want of consider- 
 ation, that will be a good defence pro tanto in all cases. Thus, 
 if a note be given by a father to a son, partly in payment for ser- 
 vices and partly as a gratuity, so far as it is given upon the latter 
 ground it is without consideration, and this will be a good de- 
 fence. And it is no objection, that there was no agreement or 
 understanding of the parties, or any act or declaration of the 
 maker, to designate wliat part of the aggregate amount of the 
 note was intended to be a compensation for services, and wliat 
 part to be a gratuity. The question, what amount was founded 
 on one consideration and what on the other, is to be settled by 
 the jury upon the evidence. (.s) 
 
 {q) Glennie v. Imri, 3 Younge & C, Exch. 436. 
 
 (r) Solomon v. Turner, 1 Stark. 51. 
 
 (s) Parish v. Stone, 14 Pick. 198. In this case, Shaw, C. J., after citing the English 
 cases, which establish the doctrine that a partial failure of consideration furnishes no 
 defence, unless the amount is liquidated, said : " All the cases put are those of failure 
 of consideration, where the consideration was single and entire, and went to the whole 
 note, and was good and sufficient at the time the note was given, but by some breach 
 Df contract, mistake, or accident, had afterwards failed. There the rule is, if the con- 
 sideration has wholly failed, or the contract been wholly rescinded, it shall be a good 
 •Jefence to the note. But if it have partially failed only, it would tend to an incon- 
 venient mode of trial and to a confusion of rights to try such question in a suit on the 
 no*'}, as a partial defence, and therefore the party complaining shall be left to his cross
 
 212 - NOTES AND BILLS. [CH. VI 
 
 SECTION III. 
 
 OF ILLEGAL CONSIDERATION. 
 
 An illegal consideration is a void one, for the reason that the 
 law cannot recognize a value in that which it forbids, nor enforce 
 
 artion. This distinction, and the consequence to be drawn from it, are alluded to by 
 Lord EUenborottgh in Tye v. Gwynne, 2 Camp. 346. He says : ' There is a difference 
 between want of consideration and failure of consideration. The former may be given 
 in evidence to reduce the damages ; the latter cannot, but furnishes a distinct and inde- 
 pendent cause of action.' It seems, therefore, very clear, that want of consideration, 
 either total or partial, may always be shown by way of defence ; and that it will bar the 
 action, or reduce the damages, from the amount expressed in the bill, as it is found to 
 be total or partial respectively. It cannot, therefore, in stich case, depend upon the 
 state of the evidence, whether the different parts of the bill were settled and liquidated 
 by the parties or not. Where the note is intended to be in a great degree gratuitous, 
 the parties would not be likely to enter into very particular stipulations as to what 
 should be deemed payment of a debt, and what a gratuity. The rule to be deduced 
 from the cases seems to be this, — that where the note is not given upon any one con« 
 sideration, which, whether good or not, whether it f;iil or not, goes to the whole note at 
 the time it is made, hut for two distinct and independent considerations, each going to 
 a distinct ])ortion of the note, and one is a consideration which the law deems valid and 
 sufficient to su]iport a contract, and the other not, — there the contract shall be appor- 
 tioned, and the holder shall recover to the extent of the valid consideration, and no 
 further. In the application of this principle, there seems to be no reason why it shall 
 depend upon the state of the evidence, showing that these different parts can be ascer- 
 tained bv computation ; in other words, whether the evidence shows them to be respec- 
 tively liquidated or otherwise. If not, it would seem that the fact, what amount was 
 upon one consideration, and what upon the other, like every other questionable fact, 
 sliould be settled by the jury upon the evidence. This can never operate liardly u])on 
 the holder of the note, as the presumption of law is in his favor as to the whole note ; 
 and the burden is upon the defendant to show to what extent the note is without con- 
 sideration. Suppose a father proposes, upon his son's going into business, to aid him 
 by an advance of several thousand dollars, and for that purpose gratuitously offers him 
 his note for that sum ; but as his son had performed services to the value of a few dol- 
 lars, for wliich no price was agreed, upon giving his note, the father, intending to cancel 
 jiiid discharge fliat and all other claims, takes a general receipt for all services and other 
 dues, and afterwards, the note not having been negotiated, a suit should be brought on 
 it 1)V the payee against the maker, might not the defendant show the want of considera- 
 tion bv wav of defence pro ttuito? and yet the amount must be settled by a jury, the 
 evidence of the. original agreetnent not distinguishing between what was payment and 
 what was gratuity." And sec, to the same effect, Jjoring v. Sumner, 2.'5 Pick. 98 ; 
 Folsoin ;•. Mussev, 8 Green!. 400; Stevens v. Mdntire, 14 Maine, 14. In Forman v. 
 Wright, 1 1 C. B. 481, to a count on a |)roniissory note, the di^fendimt pfftaded that ho 
 "was indebted to one V. in tiie sum of £ 10 \4s. \]il , and no more; that the plaintiff 
 fraudulently, deceitfully, and falsely represented to the deffudant that there was due 
 from the defi-ndiinl to V. the sum of £32 6.s. lOr/., and then demanded cf, and by
 
 CH. VI.] ILLEGAL CONSIDERATION. 213 
 
 an obligation which it prohibits every one from assuming or dis 
 charging. 
 
 Tliis illegality may consist, first, in the violation of some posi- 
 tive statute law. As that prohibiting gaming, or issuing of 
 private bills or notes as currency, in some of the States, or work 
 on Sunday. As to this last, it may be observed that the Eiiglit^h 
 and the prevailing American rule always was, that contracts 
 made in breach of the Sunday law were void.(^) But in Massa- 
 chusetts the rule formerly was, that the contract, or instrument, 
 — a note of hand, for example, — was valid, but the party was 
 punishable for the offence of making it.{u) Now, however, the 
 law in Massachusetts is the same as that above stated. («) Where 
 a note made on Sunday was dated on Monday, it was held good in 
 the hands of a bona fide holder.(iu-) A contract in violation of the 
 statutes for the prevention of intemperance cannot be enforced, (w) 
 or a contract for smuggling, or for compounding felonies. It is an 
 illegality which avoids a contract, if it violates the requirements or 
 prohibitions of a statute, although these are not so expressed, if 
 they are certainly implied ;(?rMj) and the general doctrine now is, 
 that an act to which a penalty is annexed is prohibited.(.r) We 
 do not think it desirable to go into details upon this head, for they 
 must depend upon the fluctuating and very various provisions of 
 the statutes of the several States. Usury, one of the most import- 
 ant among them, we shall discuss in connection with interest. 
 
 It may be well t^.* remark here, as particularly applicable to 
 illegalities of this kind, although by no means confined to them, 
 that a contract which is intended to lead to and facilitate a 
 
 means of such representation as aforesaid induced, the defendant to deliver to him the 
 note in the first count mentioned." It was proved, and t'oimd liy the jury, tliat the note 
 was olitainwl by a false representation by the plaintiff that £32 6*. lOrf. was due, but 
 that such representation had been made without fraud. Held, that the evidence sus- 
 tained the plea; for that the words "fraudulently and deceitfulh'" might be rejected, 
 and that the plea was in substance a plea of partial want of consideration. CrenxtveU ^ 
 J. said: "The decision the court now come to does not in any degree interfei-e with 
 the doctrine, that a small consideration may sustain a larger promise. Where there is 
 a promise to pay a certain sum, all lieing, as in this case, supposed to be due, each part 
 of the money expressed to be due is the consideration for each part of the promise ; 
 and the consideration as to any part failing, the promise is, pro tarito^ nudum pactum.'''' 
 
 (t) See 2 Parsons on Cont, 2d ed., p. 262, et seq. 
 
 (u) Geer v. Putnam, 10 Mass. 312. 
 
 (v) Pattee v. Greely, 13 Met. 284. See Barrett v. Hyde, 7 Gray, 160. 
 
 (vv) Vinton v. Peck, 14 Mich. 287. 
 
 (w) Doe V. Burnhani, 1 1 Fost. 426. 
 
 (ww) Brown v. Tarkington, 3 Wallace, 377. 
 
 (x) See 1 Parsons on Cont., pp. 381, 382,
 
 214 NOTES AND BILLS. [CH. VL 
 
 breach of law, is also void for illegality, unless it produces this 
 effect indirectly and remotely. Thus, if money be lent to a man 
 expressly to game with, and the borrower give his note for it, the 
 note cannot be enforced. (z/) But it would not be defence enough, 
 that thj borrower was known to be a gambler, and that any one 
 lending him money might expect that it would go to the gaming- 
 table, and that this money did go there. 
 
 Secondly, the illegality may consist in the violation of the laws 
 of religion, morality, or decency ; for the general and funda- 
 mental principles of these may be considered as incorporated into 
 the common law. For example, a note for future illicit cohabit- 
 ation is void. (2^) So it would be void if for rent of lodgings for 
 the purpose of prostitution. (a) A note given for past illegal co- 
 habitation is not void for illegality ; for the law does not prohibit 
 any one who has done a great wrong from otfering some indem- 
 nity for it. But such a note, being a simple contract, cannot be 
 enforced, for the reason that the consideration is entirely passed 
 and executed, such a consideration not being sufficient to sup- 
 port a simple contract. It would be otherwise, if a bond or other 
 contract under seal were given, instead of a note. (6) 
 
 Thirdly, the illegality may consist in an opposition to public 
 policy ; for this the law must always protect. As a contract in 
 restraint of trade, without reasonable limitation of place or 
 time ; (c) or any contract restraining or preventing marriage, 
 even for a time ; or one of that kind known in English law as a 
 contract of marriage brokerage, or brokage ; that is, a contract 
 wherein one promises to assist another in accomplishing a mar- 
 riage, where the promisor has no right of interference, or does in- 
 terfere or may be supposed to interfere corruptly. (t/) Contracts 
 to procure offices or votes, or for bribes of any kind, which in 
 some States are expressly forbidden, are void everywhere. (e) So 
 
 iy) Cannan v. Bryce, 3 B. & Aid. 179 ; M'Kinnell v. Robinson, 3 M. & W. 434; 
 Monlecai v. Diiwkins, 9 Rich. 262. 
 
 (2) Wulkt-r V. Perkins, ;} Burr. 1568; Friend v. Harrison, 2 C. & P. .'J84. 
 
 (a) Girurdiiy v. Riciiiwdsoii, 1 Esp. 13 ; Jcnnin;,-s v. Tln-()<,nnorion, Kyan & M. 251. 
 
 {h) See Jiinninj^ton 1;. Wallis, 4 li. & Aid. 651 ; Gil>son i;. Ditki.;, 3 Maulc & S. 463 ; 
 Nye V. Moscdey, 6 B. & C. 1.3:{ ; liuaumont v. Kccvc, 8 Q. B. 483. 
 
 (c) Aij,'er V. Tliatclier, 19 Pick. 51. Sec 2 Parsons on Cont. 253, et siq. 
 
 ((/) Peyton V. Bladweii, 1 V^ern. 240. See 1 Parsons on ("ont. 555, 556. 
 
 {«?) Marshall v. Baltimore & Ohio 11. R. Co., 16 How. 314, 334-336; Clippings 
 V. Uc\<\mu<^h, 5 Watts & S. 315; Harris v. I^oof, 10 Burl). 48'.); Rose »;. Truax, 21 
 Barl>. 3»;i. Sec Horn v. Tout/., 4 Culit'. 321 ; Devlin v. Brady, 36 N. Y. 531.
 
 CH. VI.] ILLEGAL CONSIDERATION. 215 
 
 are those to suppress evidence, or to interfere in any way with the 
 course of justice, whether within the terms of any statute or not.{/) 
 But a note for compounding a strictly private misdemeanor is good 
 at common law ',[g) and in some of the States this kind of compo- 
 sition is favored and regulated by statute. A note to the mother 
 of a bastard child, to prevent a suit under the statute, and to avoid 
 exposure, is valid. (j(y) A note, after conviction, for the legal costs 
 and expenses of the prosecution, may be good. (A) And it is said, that 
 if one sells goods, with the distinct knowledge that an illegal use is 
 to be made of them, but without the promise or purpose of render- 
 ing personal aid, a note founded on tiiis contract will be good.(i) 
 But this rule cannot be universal, and we should indeed regard 
 it as exceptional, if not doubtful. So if one receives a good bill 
 in substitution for one that is forged, at the request of the forger, 
 it is said to be valid, if there were no stipulation to stifle prose- 
 cution for the forgery ; (j) but the new bill would not be given 
 unless the forged bill wore surrendered, and if this were done, 
 such a stipulation would seem to be a necessary implication, for 
 the principal evidence is destroyed. 
 
 Wagers generally, now indeed almost universally, are not en- 
 forceable contracts ; nor could a note in payment of a mere 
 wager be enforced between the parties. (A;) But they are not ille- 
 gal, and money paid on them with full knowledge of the facts, 
 although with ignorance of the law, which prevented any legal 
 obligation, could not be recovered back. If, however, the bet 
 or wager was one which itself violated decency, or public pol- 
 icy, as a wager about the sex of any person ; or as to their 
 marriage, or having children ; or on the result of an elec- 
 tion ; or of a criminal or perhaps of any trial ; — in these cases, 
 not only would the note be void between the parties to it, 
 but, if discharged by payment, the money should be recov- 
 erable, unless where this was prevented by the rule that, both 
 
 (/) Nerot V. Wallace, 3. T. K, 17; Edgcombe v. Kockl, 5 East, 294; Coppock v. 
 Bower, 4 M. & W. 361 ; Swan v. Chandler, 8 B. Mon. 97 ; Clark v. Eicker, 14 N. H. 
 44 ; Commonwealth v. Johnson, 3 Cush. 454; Gardner v. IMaxev, 9 B. Mon. 90; Hines- 
 burgh V. Sumner, 9 Vt. 23. See Chubb v. Hutson, 18 C. B. (U. S.) 414; Brown v. 
 Padgett, 36 Ga. 609. 
 
 iff) Hays V. McFarlan, 32 Ga. 699. 
 
 (g) Drage v. Ibberson, 2 Esp. 643; Fallowes v. Taylor, 7 T. E. 475. 
 
 (h) Beeley v. Wingfield, 11 East, 46 ; Keir v. Leeman, 9 Q. B. 394; Kirk v. Strick- 
 wood, 4 B. & Ad. 421 ; Baker v. Townshend, 1 J, B. Moore, 120. 
 
 (t) Hodgson V. Temple, 5 Taunt. 181. 
 
 (j) Wallace v. Hardacre, 1 Camp. 45. 
 
 (A) See 2 Parsons on Cont., 261, 262.
 
 216 NOTES AND BILLS. [CH. VL 
 
 parties being in pari delicto, neither could have a remedy 
 against the other. 
 
 Under this head of pu'oHc policy comes that class of cases 
 in which a fraud is committed or attempted against creditors. 
 Thus, if one creditor secures any advantage over the others, 
 which is concealed from them, and then enters into a composi- 
 tion or arrangement, in which they seem to stand on the same 
 ground ; or if he has anytliing given him as an inducement to 
 accede to the composition, and so bring others in ; or if there be 
 a bankruptcy, and the consideration be withdrawing or suppress- 
 ing objection to a certificate or discharge of the debtor ; — in any 
 of these cases a note given for such a consideration would be 
 void.(/) Ancl if a note be given by a third person, who is indem- 
 nified by the debtor, it cannot be enforced against tlie maker, be- 
 cause it is void from the beginning.(v;<) In England, it was held 
 that, if the creditor of a bankrupt act as commissioner, and take 
 a note for his debt while the commission is going forward, he 
 cannot enforce it, because the maker could not then be consid- 
 ered as a free agent. (w) So if a third person pay money for such 
 illegal purpose, and the debtor give him a note therefor, the note 
 cannot be enforced. (o) 
 
 Trading with an enemy, as we have seen, is illegal, and there- 
 fore notes and bills given in the course of such trading should 
 be held void ; but a distinction has been taken, and it is said that 
 a bill drawn on an alien enemy is justified by practice, and is 
 legal. (;>) Certainly it would be if drawn for payment of sup- 
 plies which it was legal to furnish, as to a cartel or licensed 
 ship.(</) The sale of a license, wliich was once held to be le- 
 gal, (r) was afterwards, by the Supreme Court of the United 
 States, held to be illegal ; and a note given for it would be 
 void.(A-) 
 
 (/) Cockshott V. Ik-iiiictt, 2 T. 11. 763; Knight v. limit, .5 Biiiti-. 4:i2 ; Hiyiuit ». 
 Christie, 1 Stari<. :i'2'.> ; Sunmcr v. Bnidy, 1 II. Bl. GJ7 ; Kiic v. Maxwell, 13 S. &. M. 
 280 ; Sliar]) v. Tecse, 4 Ilalst. 3.52. 
 
 (ill) liryant u. Clnistic, 1 Ktiirk. 329. 
 
 (;<) Iliiywood v. ClmiiiliorH, 5 B. & Aid. 7.53 
 
 (o) Bryant, v. Christie, 1 Stark. 32'J. 
 
 (/;) United State.s v. Barker, I Paine, C. C. 156. 
 
 (fj) Sueklcy v. Kiirse, lli Johns. 338. 
 
 (r) Coolid;;c.i>. Injxlec, 13 Mass. 26. 
 
 (») I'utton 1). Nieliol.Hoii, 3 Wheat. 204.
 
 CH. VI.] ILLEGAL CONSIDERATION. 217 
 
 If the consideration be in part illegal, and in part not, it seems 
 that the rule in case of partial failure of consideration does noi 
 apply ; but the whole contract is tainted and avoided by tliat pari 
 of the consideration which is in violation of law.(^) Still, how- 
 ever, althougii a note on such mingled consideration would be 
 void, the fact of its nullity would leave the parties where they 
 were before, or would be without it. And if any good aiid legal 
 consideration passed between the parties, a proper action, as for 
 money leut, for example, if that were suitable, might be main- 
 tained thereon. (^t) If a note or bill be given for a consideration 
 which is in part illegal, a new note for the same, or in renewal 
 of the first, is equally void.(t;) But a new note for that part of 
 the consideration which is legal, is good and valid. And if sev- 
 eral new notes are given for the old one, some of the new ones 
 may be taken to be for the legal part, and so valid ; especially if 
 they are only adequate to this part, or if the deduction be other- 
 wise favored by circumstances. (z^;) 
 
 If a debtor assigns and transfers to a bona fide creditor a debt 
 founded upon an illegal consideration, and this illegal debtor 
 gives his note accordingly to the assignee of his creditor, and is 
 dischai'ged by his creditor, the note will be enforced against him ; 
 for though the consideration between him and the assignor is 
 illegal, that between him and his promisee is not illegal. (.x-) 
 
 Whether, if a note be good in its inception, and afterwards, 
 by sundry transfers, it reaches a buna fide and innocent holder 
 for value, he is prevented from enforcing it against the maker, in 
 consequence of one of the intervening transfers being for an 
 illegal consideration, may not be quite certain. It has been said, 
 that if the indorsements are blank, the holder may fill an earlier 
 one to himself, and so recover ; but if they are in full, or he is 
 for any reason obliged to derive his title through the illegal trans- 
 fer, he cannot sue.(y) We think, that in either case, and equally, 
 this illegal transfer is no bar or defence whatever. Indeed, it 
 
 (t) Scott V. Gillmore, 3 Taunt. 226. 
 
 («) Utiea Ins. Co. v. Kip, 8 Cowen, 20; Robinson v. Bland, 2 Burr. 1077. 
 
 (v) Chapman v. Black, 2 B. & Aid. 588 ; Wynne v. Callander, 1 Russ. 293 ; Preston 
 V. Jackson, 2 Stark. 237; Holden v. Cosgrove, 12 Gray, 216. 
 
 (»/)) Ilubner v. Richardson, Bayley on Bills, 2d Am. ed. 570; Crookshank v. Rose 
 5 C. & P. 19. 
 
 (x) Bowen v. Doggett, 2 Nott & McC. 127. 
 
 (y) See Story on Prom. Notes, § 193. 
 
 Vol. I. 19
 
 218 NOTES AND BILLS. [CH. VL 
 
 might be difficult to see why the very indorsee for illegal consid- 
 eration might not sue the maker, if his indorser had an unques- 
 tionable claim, and had voluntarily passed the paper from him- 
 self to this indorsee. The indorsee cannot in such a case sue the 
 indorser ; but we incline to think that he may, by the indorser's 
 title, sue a previous party. (z) 
 
 Where notes are made void by express statute, they cannot 
 become good in the hands of subsequent holders ; and upon no 
 such note can a subsequent holder have a valid claim against the 
 maker; but if he holds the note for value and in good faith, he 
 may have a valid claim against his own indorser, eitlier as the 
 maker of a new note or the drawer of a new bill, or else upon 
 the consideration which passed between them. (a) 
 
 SECTION IV. 
 
 OF TRANSFERS FOR ANTECEDENT DEBTS, OR FOR SECURITY. 
 
 In all cases where the note is not made void by law, but is 
 void as between the parties to it, for want, or failure, or illegality 
 of consideration, it becomes a good note or bill, as against all 
 parties, in the hands of a subsequent holder, provided the note 
 or bill was indorsed over before it was dishonored, and provided 
 also it was indorsed over for a sufficient consideration. The first 
 of these, relating to the time when the indorsement must be 
 made, will be considered hereafter. In regard to the second, 
 there is some conflict and uncertainty as to whether either pay- 
 
 {z) See Knights v. Putnam, 3 Pick. 184; Parr v. Eliason, 1 East, 92; Daniel t>. 
 Cartony, 1 Esp. 274. But see Lowes v. Maz/aredo, 1 Stark. 38.5. Tliis question 
 usually arises in cases of usury, and we shall consider it more fully when we come to 
 treat of tliat sui)ject. 
 
 («) In Edwards v. Dick, 4 15. & Aid. 212, in an aclion ai^ainst the drawer of a hill 
 of c.Kchaiigc, it was /(f-W to he no defence that tlio hill was drawn and accepted for a 
 gaming-dcht ; it having heen indorsed over hy the drawer for a valualile consideration 
 to a third person, by whom the acition was brought. So in Johnston v. Dickson, 1 
 Blackf. 2t>('>, in an action by the Immi Jide. assignee of a promissory note against tlio 
 a«sig?if)r, it was held to he no rh'fence that the note was originally given hy the maker 
 ffl the difi'iidant for an iiic;;iil consideration. Wo shall consider this and oilier qucs- 
 troTLs relative tn ilio riglits of a boua Jidc. holder more fully in the ehajiter on that 
 
 BuiljCCt.
 
 CH. VI.] TRANSFERS FOR ANTECEDENT DEBTS, ETC. 219 
 
 meiit of, or security for, a previously existing debt, is such a 
 consideration as protects the indorsee or holder. 
 
 The general question presents itself under three aspects. One, 
 where negotiable paper is received in payment of an antecedent 
 debt. Another, where it is received as collateral security for an 
 antecedent debt. A third, where it is received as collateral secu- 
 rity for a debt or contract which is simultaneous with the trans- 
 fer of the paper. The question arises in no other cases, for if 
 negotiable paper be indorsed and given outright for a debt con- 
 tracted at the time, or in pursuance of a contract then executed, 
 this is certainly a valid consideration ; and the real question is, 
 whether only this constitutes such a consideration. 
 
 The doctrine, that none of the three considerations above men- 
 tioned are sufficient, rests upon two grounds, which are quite dis- 
 tinct. One of these is, that the transferee of the paper, as he 
 gives for it no new consideration, is not injured by losing it; or 
 rather, that if it be taken away, he has all that he had before he 
 received it ; and consequently his title or interest is no better 
 than his indorser's, and whatever defence a prior party could 
 make against that indorser, the same may now be made against 
 him ; and if it be made successfully, and he loses the paper, he 
 falls back on the debt due to him from the indorser, which is just 
 as good as it was before. 
 
 Tlie other objection is, that none of these three transactions 
 is within the original purpose or true function of negotiable pa- 
 per. Such paper, it is held, is made, in the first instance, for 
 goods bought, or otherwise on a bargain simultaneous with it ; 
 and afterwards it may be negotiated by the payee, that is, given 
 by him in a transaction like that in which he received, sold, or 
 discounted it, in either of which cases the property passes abso- 
 lutely for a present consideration. And anything else than this 
 is irregular ; is not a business transaction ; no proper negotiation 
 of negotiable paper, and no such use of that paper as is contem- 
 plated by the peculiar principles or privileges of negotiable paper ; 
 and therefore these principles or privileges do not attach to it, 
 but it is open in the hands of the assignee to all the defences 
 which could have been made against it, had it continued in the 
 hands of the assignor. 
 
 We very much doubt the adequacy of either of these reasons, 
 in either of these cases. As to the first reason, it may sometimes
 
 220 NOTES AND BILLS. [CH. VI. 
 
 be applicable in part, but, as we should suppose, very seldom. 
 We have already seen, that a note indorsed and given for an ante- 
 cedent debt is, under some circumstances at least, certainly good ; 
 and where it constitutes an absolute payment of that debt, it must 
 unquestionably be so. But, in general, we suppose it would be 
 very seldom true in fact, that a note indorsed and given for an 
 antecedent debt, as security or otherwise, or as security for a 
 simultaneous debt, can be withdrawn or annulled, and leave the 
 party receiving it as well situated as before. He has, it is true, 
 his whole claim against the transferrer ; but he does not hold it 
 under so favorable circumstances. In the great majority of cases, 
 the transfer is in execution of a bargain, by which something is 
 gained by the transferrer ; either delay or forbearance, or further 
 credit, or the giving up by the transferee of other means, or de- 
 clining to use other opportunities of indemnity or security. If 
 the rule was confined to those cases to wdiich it is strictly appli- 
 cable, we appreliend that it would be found to have a very limited 
 operation. It would be one thing to hold, that an indorsee of 
 negotiable paper, who can surrender it and be in all respects as 
 well situated as if he had not taken the paper, should be open to 
 the defences available against his indorser. But it would be a 
 very different thing to hold, that all indorsees for an antecedent 
 debt, or for collateral security, are in this position. 
 
 As to the other reason, tliat these are not regular business 
 transactions, or, as is sometimes said, that these transfers are not 
 made in due course of business, we think the supposition on 
 which the reason rests to be erroneous. Such transactions now 
 constitute a large part of the use which is made of negotiable 
 paper. Even bank-bills, where it is desired to withhold tliem 
 for a time from circulation, are sometimes pledged as security. 
 This is seldom a "regular," or perhaps a proper transaction ; but 
 the olijections to Ije urged against it are grounded upon the es- 
 pecial nature and j)Ui'pose of this kind of negotiable paper, and 
 do not attach to C(jmm()n bills or notes. It is certainly very 
 connnon to ol'fL'r notes for discount at a bank, and other notes as 
 a secui-ity for them ; and we cannot see what objection can lie 
 against this ti-ansiicLion, or any ground for saying that the bank 
 slionM III! open to (h!i(!n(;<;s against the notes tliey take as secu- 
 rity, wbicli th(!y are not open to as to those which tliey discount. 
 ISo fur iVoni boMing lliat transfer for security is not a regular
 
 CH. VI.] TRANSFERS FOR ANTECEDENT DEBTS, ETC. 221 
 
 disposition of a negotiable note, we think it one extremely com 
 mon in point of fact, wholly unobjectionable in itself, and often 
 extremely convenient to all parties. And the law could not 
 decide that this was an improper use of negotiable paper, and 
 withdraw its protection on this ground, without impairing the 
 utility of this paper, and throwing a useless hinderance in the 
 way of mercantile transactions. It is, therefore, our conclusion, 
 that when the principles of the law merchant have established 
 more firmly and unreservedly their control and their protection 
 over the instruments of the merchant, all of these transfers (not 
 affected by peculiar circumstances) will be held to be regular, 
 and to rest upon a valid consideration. It is now quite well 
 settled, that in the first of the three cases before stated, namely, 
 where negotiable paper is received in payment and extinguish- 
 ment of a pre-existing debt, the holder is entitled to protection. (6) 
 
 (b) This is held in the following cases : Percival v. Frampton, 2 Cromp. M. & R. 
 180 ; Poirier v. Morris, 2 Ellis & B. 89 ; Swift v. Tyson, 16 Pet. 1 ; Riley v. Ander- 
 son, 2 McLean, 599 ; Vanium r. Bellamy, 4 McLean, 87 ; Pugh v. Durfee, 1 Blatchf, 
 C. C. 412 ; Homes v. Smyth, 16 Maine, 177 ; Norton v. Waite, 20 Maine, 175 ; Adams 
 V. Smith, 35 Maine, 324 ; Williams v. Little, 11 N. H. 66; Atkinson v. Brooks, 26 
 Vt. 569 ; Chicopee Bank v. Chapin, 8 Met 40; Blanchard v. Stevens, 3 Cush. 162 ; 
 Brush t;. Scribner, 11 Conn. 388; McCasky v. Sherman, 24 Conn. 605; Youngs v. 
 Lee, 18 Barb. 187, 2 Kern. 551 ; White v. Springfield Bank, 1 Barb. 225, 3 Sandf. 
 222 ; Bank of Sandusky v. Scoville, 24 Wend. 115; Bank of St. Albans v. Gilliland, 23 
 Wend. 311 ; New York Marbled Iron Works v. Smith, 4 Duer, 362 ; Ferdon v. Jones, 
 2 E. D. Smith, 106 ; and sec cases in note d, infra; Walker v. Geisse, 4 Whart. 252, 
 258 ; Bush v. Peckard, 3 Barring. 385 ; Ecddick v. Jones, 6 L-ed. 107 ; Bond v. Cen- 
 tral Bank, 2 Ga. 92 ; Bank of Mobile v. Hall, 6 Ala. 639 ; Pond w. Lockwood, 8 Ala. 
 669; Barney v. Earle, 13 Ala. 106; Carlisle v. Wishart, 11 Ohio, 172, overruling 
 Riley v. Johnson, 8 Ohio, 526; Bostwick v. Dodge, 1 Doug. Mich. 413; Outhwaite v. 
 Porter, 13 Mich. 533; May ?■. Quiniby, 3 Bush, 96; Brown v. Leavitt, 31 X. Y. 113; 
 Ives V. Farmers' Bank, 2 Allen, 236; Stevens v. Campbell, 13 Wise, 375; Bertnird 
 V. Barkman, 8 Eng. Ark. 150. In Williams v. Little, 1 1 N. H 66, Parker, C. J. said : 
 " The |jarty who takes a negotiable note by indorsement bono fide before it is payable, in 
 payment of a precedent debt, and discharges that debt, without notice of any defence ex- 
 isting against the note, has as meritorious a case as he who receives the note in payment 
 for goods sold at the time. Townsley v. Sumrall, 2 Pet. 170, 182. If it be said 
 that the one parts with his property upon the faith of the promise contained in the note 
 which is received in payment for the goods, it may be answered, that the other, giving 
 credit to the note, parts with and discbarges an obligation to pay money, which is, in 
 contemplation of law, property of quite as high a character. He cannot, after such 
 payment and discharge, maintain an action upon the debt he has thus di.^charged, 
 merely because the maker of the note he received in payment migiit have had some 
 defence against it in the hands of the payee from whom he received it. There is a suf- 
 ficient consideration. He has parted with a right. Something more is necessary to 
 enable him to recover his debt which he has surrendered. He may be restored to hia 
 right ;o recover the amount of his debt, if the maker avoids the note in his liands by 
 a defence which arose prior to the indorsement. But the holder, having thus parted 
 19*
 
 222 NOTES AND BILLS. [cil. VL 
 
 In Xew York it was at one time held that the receiving of a 
 note in payment merely of an existing debt was not enough, with- 
 out giving up other secnrity.(c) But the rule now seems to be 
 otherwise.(f?) In Missouri a pre-existent debt or liability is a suf- 
 ficient consideration to support the title of an indorsee.(cW) So 
 also in Illinois, (de) in Minnesota, (cf/) and in Louisiana.(f/5r) 
 
 It may be remarked, that when negotiable paper is received in 
 payment of a debt, it may be received as absolute payment, and in 
 extinguishment of the debt, or it may be received as conditional 
 payment, namely, as payment, provided it shall turn out produc- 
 tive, upon the use of due diligence. In two or three of our States, 
 as Massachusetts and Maine, the presumption is, that it is taken as 
 absolute payment; but in England and in most of our States the 
 
 with his property, on the faith of a promise which the maker had made negotiable, and 
 which bore no marks of dishonor, tbe (jnestion reciu-s why he has not as e,ood and 
 meritoiious a title as he who had parted with merchandise, or incurred responsihilities 
 upon a similar considei'ation. If the holder may, upon a failure to recover the note in 
 the one case, he remitted to his oriiiinal rij;ht, and recover his debt against theindorser, 
 he may in the other recover back his merchandise, or its value, or the money he has 
 paid. Nor are we aware of any policy which should lead to such a distinction. The 
 payment of a debt is, or ought to lie, as much a commercial transaction as a sale of 
 goods, or a loan of money. If it is in tbe usual course of trade to purchase, it ought 
 also to be in the usual course of trade and commercial dealing to pay." See contra, 
 Bright V. Judson, 47 Rarh. 29. In Youngs v. Stahelin, 34 N. Y. 258, an oldigation 
 of a third party received from the debt<n- liy the creditor when the debt is contracted, is 
 presumed to l)e i-eceived as payment ; but the presumption may be overcome by evidence. 
 
 (c) See Francia «^. Joseph', 3 IMw. Ch. 182; Spear i;. Myers, 6 Barb. 445; Gold- 
 smid V. Lewis Co. Bank, 12 Barb. 407; Kosa v. Brotherson, 10 ^Yend. 85, commented 
 on and explained in Smith v. Van Loan, 16 Wend. 659. So held in Tennessee. Vat- 
 terlien v. Howell, 5 Sliced, 441 ; Nicliol v. Bate, 10 Yerg. 429. In the following cases, 
 other securitv being given up, the holder was held entitled to recover. Smith r. Van 
 Loan, 16 Wend. 659; Bank of Salina v. Babcock, 21 Wend. 499; Mohawk Bank v. 
 Corey, 1 Hill, 511. 
 
 (d) See cases cited snj^rn^ note b. In Youngs v. Lee, 18 Barb. 187, 192, the court 
 said: "The mere discharge of an antecedent debt is a valuable consideration." In the 
 Court of Ajijicals, 2 Kern. 551, the case was put on this ground: " In the case before 
 us, the note was received in extinguishment of a demand iipon a note not yet due, and 
 the note was delivered up. The surrender, upon a consideration of a seciirity »*"< due, 
 extinguishes the security." In Stettlieiiiu'r r. Meyer, .'?3 Barb. 215, it wns held that it 
 made no diffeiciice that the debt was overdue, if the evidence of the iiidebreiliicss, or a 
 security therefor, was at the time of taking tbe note given up. In Farrington v. Frank- 
 fort Bank, 24 Barb. 554, a person was induced, by false and fraudulent reinesentations 
 of the drawer of bills of exchange, to indorse the same for his accotnmodMtion, mid the 
 hills were therefore delivered to the cashier of a bank which then held piotcstefl drafts 
 drawn liy the snme drawer on the siiine drawees. 'I'here was no agreement bi'tween the 
 drawer and the cashier that the new drafts should be received in paytucnt of the pro- 
 tested drafts, but (liey wne procured, and delivered to the cashier with tbe intention 
 that tliey should be lield as adilitional and collateral security to the jirotested bills. 
 The new drafts were subseipiently passed to the credit of the drawer on the books of 
 the bank, iind be was charged with the in-otestc^d liills, anil the latter were stamped 
 witli the CMiK-idliiig-iron of tbe bunk, but still reiiiaincd in its possession. It was held 
 that the bank was not n bonn Jhlf bnMcr. See alsy Bavne v. Cutler, 13 Wimd. 605; 
 Clark I'. Klv. 2 Sandf. Ch. 166; Fuitdii l',;iid< r. I'lnenix IJank, I Hall, 562; Stewart 
 i;. Small. 2' Barb. 559. 
 
 (dd) Buatiiian's Fnxtitution ?■. Ili.lbind, .'tK Mn. 40. 
 
 (rf/r) Miimiiiig »'. M<('liire. 3(1 III. 4'.in. 
 
 {df) Stevenson v. Ileyhiiid, 11 Minn. 198. 
 
 (dy) Citizen's Bank n. I'ayne, IH La. .\nn. 222 ; Succession of Didhonde, 21 La. Ann. .3.
 
 CH. VI.] TRANSFERS FOR y\NTECEDENT DEBTS, ETC. 223 
 
 presumption is, that it is taken as conditional payment. To what 
 extent any of our courts would make a distinction between these 
 two cases holding that one who takes a note as absolute payment 
 is a holder for value, and that one who takes it as conditional pay- 
 ment is not, is left in great doubt and obscurity by the cases. As 
 to the second case stated in the text, namely, where negotiable paper 
 is received as collateral security, of an antecedent debt, the authori- 
 ties are still less harmonious. In England, it appears to be settled 
 that such a holder is entitled to protection. (e) It has been so held, 
 also, by the Supreme Court of the United States.(/) The same doc- 
 trine, it seems, is held in Massachusetts and in some other States. (r/) 
 In Vermont it has been held, that one to whom a bill of exchange 
 is indorsed as collateral security for an antecedent debt, is entitled 
 to recover against an accommodation acceptor, not known to him 
 to be such when the bill was taken by him. (A) In Connecticut, one 
 who takes a note before maturity, as security for an existing debt, 
 is a bona fide holder.(/(/i) Not unfrequently it is left to the jury to 
 determine, as a question of fact, Avhether the note was intended to 
 be payment of the debt.(/ii) In New York, one who takes a note 
 to be payment when collected, takes it subject to equities. (/y) In 
 
 (e) Percival v, Frampton, 2 Croinp, M. & R. 180; Poirier v. Morril, 2 Ellis & B. 89. 
 See on this subject the chapter on Favnient by Bill or Note. 
 
 (/) McCiirty v. Roots, 21 How. 432. See" cZ««a in Swift v. Tyson, 16 Pet. 1. In 
 Gootlmnn v. Sinionds, 20 How. 343, at the time the note in suit was taken, collateral 
 securities previously given were surrendered, and further time given. It was held, 
 that, whatever the decision of the court might be on the general question, these facts 
 constituted the assignee a holder for value. 
 
 {g) ("hicopee Bank v. Chapin, 8 Met, 40; Blanchard v. Stevens, 3 Cush. 162 ; Gard- 
 ner V. Gnger, I Alien, .^02; Le Breton v. Pierce, 2 Allen, 14; Bunk of New York v. 
 Vanderhorst, 32 N. Y. 553; Brookinan v. Metcalf, 32 N. Y. 591; Lyon v. Ewings, 
 17 Wise. 61; Curtis v. Mohr, 18 Wise. 615; Gibson v. Conner, 3 Ga. 47; Savings 
 Bank v. Bates, 8 Conn. 505; Bank of the Republic v. Carriugton, 5 R. I. 515 ; Bank 
 of Charleston v. Chaniliers, 11 Rich. 657; Smith v, Hiscocks, 14 Maine, 449; Valette 
 V. Mason, 1 Smith, Ind. 89, 1 Cart. 288 ; and dicta in Payne v. Bensley, 8 Calif. 260 ; 
 AUaLi-e v. Hartshorne, 1 N. J. 665; Robinson v. Lair, 31 Iowa, 9; Smith v. Isaacs, 
 23 La. Ann. 454; Lindsay v. Chase, 105 Mass. 253; Bouand v. Genesi, 42 Ga. 639. 
 The security must, however, be given for a detit which can be identified. Merriam v. 
 Granite Bank, 8 Gray, 254. See ante^ p. 176. A mere verbal pledge without delivery 
 or possession is not enough. Russell v. Scu<l(ler, 42 Barb. 31. 
 
 {h) Atkinson v. Brooks, 26 Vt. 569. Eedjield^ C. J. stated the following exceptions 
 as liased upon good sense, and perliaps sustained by authority : " 1. A note or bill nego- 
 tiated in security for a debt not yet due, is not upon sufficient consideration, ordina- 
 rily, unless the creditor wait in faith of the collateral after his debt becomes due. 2. If 
 the debtor is notoriously insf>lvent before the note or bill is negotiated as collateral 
 security, it is said the creditor cun only stand upon the rights of his debtor. 3. If a 
 note or bill is taken merely to collect for tlie debtor, to apply when collected, the 
 creditor not becoming a party by indorsement, so as to be bound to [lursne the rules of 
 the law merchant in making demund of payment and giving notice back, the holder is 
 merely the agent of the ow ner. De La Chaumette v. Bank of England, 9 B. & C. 208 ; 
 Allen V. King, 4 McLean, 128. 4. So, too, probably, if it were shown positively that 
 the holder gave no credit to the indorsed bill, and did in no sense conduct differently 
 on that account, he could not be regiirded as a holder for value." This case is doubted 
 in Austin v. Curtis, 31 Vt. 64. 
 
 {hh) Bridgeport City Bunk v. Welch, 29 Conn. 475. 
 
 (hi) Brown v. Scottj^ 51 Penn. 357; White v. Jones, 38 111. 159, 
 
 {hj) Scott V. Ocean Bank, 23 N. Y. 289.
 
 224 NOTES AND BILLS. [CII. VI. 
 
 other States it is held that the taking of a note as collateral security 
 for a pre-existing debt, without more, will not place the taker in 
 the situation of a holder for value, so as to protect him against the 
 equities subsisting between the original parties to the note •,{hk) but 
 it is otherwise if there is a new and distinct consideration, as if time 
 was given, in consideration of obtaining the note as security for the 
 debt. For the giving of time would be a present and a vakmble 
 consideration, and a pledge on these terras would be the same as a 
 pledge for money paid down.(/) If a note given by the debtor be 
 not paym'ent of a pre-existing debt, it suspends the remedy on the 
 debt, and laches on the part of the creditor in regard to tiie note, 
 makes it payment.(ii) In the third case stated, namely, where one 
 receives a bill or note as collateral security for a debt contracted at 
 the time, it is quite well settled that he is entitled to protection 
 
 (hk) ]\ice V. Eaitt, 17 N. H. 116; Duncan v. Gosche, 8 Bosw. 243; Nutter v. Stover, 
 48 Me. 163; Rvan v. Chew, 13 Iowa, 589; Jenkins v. Schaub, 14 Wise. 5. 
 
 (i) Fetrie v. Clark, 11 S. & R. 377 ; Kirkpatriek v. Muirhead, 16 Penn. State, 117 ; 
 Clark V. Ely, 2 Sandf. Ch. 166 ; Bank of Poughkeepsie v. Hasbrouck, 2 Seld. 216, 
 230; Prentiss v. Graves, 33 Barb. 621 ; Ontario Bank v. Worthington, 12 Wend. 593; 
 Warden v. Howell. 9 Wend. 170; Stalker v. M' Donald, 6 Hill, 93 ; Bertrand y. Bark- 
 man, 8 Eng. Ark. 150; Jenness v. Bean, 10 N. H. 266 ; Prentice v. Zane, 2 Grat. 262 ; 
 Culium t'. Branch Bank, 4 Ala. 21 ; Roxborough v. Messick, 6 Ohio State, 448; Cook 
 V. Helms, 5 Wise. 107 ; Goodman v. Simonds, 19 Misso. 106. In Fenouille v. Hamilton, 
 35 Ala. 319, it was also held, that the fact that the holder afterwards grants indulgence 
 or forbears to enforce his remedies for the collection of his debt, when it is not shown 
 that such indulgence or forbearance was an element of the contract by which he acquired 
 the paper, does not render him a holder for value. In the following cases the giving 
 up other security was held sufficient to enable the holder to recover. Goodman v. 
 Simonds, 20 How. 343 ; Fenby v. Pritchard, 2 Sandf. 151 ; Payne v. Bensley, 8 Calif. 
 260; Allaire r. Hartshome, 1 N. J. 665; Robbins v. Richardson, 2 Bosw. 248; De- 
 peaa v. Waddington, 6 Whart. 220. If a person takes a note as collateral, and not 
 only does not give any other consideration, but retains other security which lie before 
 held for the debt, it haa been held that he is not a bona fide holder for value. Mickles 
 V. Colviii, 4 Barb. 304. 
 
 {ii} Slic])niiin v. Cook, 1 Green, 251 ; Bro\\Ti v. Cronite, 21 Cal. 386; Phoenix Ins. 
 Co. V. Alien, 11 Mich. 501. 
 
 (.;■) Thus, in Collins v. Martin, 1 B. & P. 648, where A deposited bills indorsed in 
 blank with B, his banker, to be received when due, and the latter raised money upon 
 tlieni by pleilging tbem with C, another banker, aiid afterwards became hiinkrupt; it 
 was held, that A could not maintain trover against C for the bill.s. So in Munn v. 
 M'Doniihl, 10 Watts, 270, it was held, that if the ])ayee of a promissory note, indorsed 
 by liinisclf and subseiiuent indorscrs, delivers it to his creditor as collateral security for 
 H debt then created on the faith of sndi indorsements, without notice of any eciuity 
 between the maker and payee, such nniker cannot defend himself by showing failure 
 of consideration as between him and the payee. And see, to the same effect, Watson 
 V. Cabot Hank, 5 Sandf. 423; Williams v. Smith, 2 Hill, .301 ; Griswold v. Davis, 31 
 Vt. 390; I'Vrdon v. Jones, 2 K. D. Smith, 106. So if it be taken for advances to 
 be marie. Bancroft v. McKnight, 11 l^ich. 663. In Eenby v. Pritchard, 2 Sandf. 
 151, it was held, that on a sale on credit, to be secured by notes as collatcrnl, not 
 yet due, the reccijtt of the collaterals five days after the delivery of the goods nnikes 
 the heller u bona Jlde holder of the notes for a valuable ccmsideration, so as to protect
 
 CH. VI.] TRANSFERS FOR ANTECEDENT DEBTS, ETC. 225 
 
 against equities. (J) So if he gives up for it ample security previ- 
 ously lielcl.(jj") 
 
 To the general rules which we have just stated, there are un- 
 doubtedly exceptions, and among them are such cases as on their 
 own facts and merits come under the influence of a different [)rin- 
 ciple. The inquiry in every case is whether th*e particular trans- 
 action is within what is properly meant by the negotiation of 
 negotiable paj)cr,(/;) 
 
 If a note be endorsed and delivered for the purpose of collec- 
 tion, with directions to apply the proceeds, when collected, in pay- 
 ment of a debt due to the indorsee from the indorser, it seems 
 that the indorsee will be subject to the same defences as his in- 
 
 iiim against any defence which the maker of the notes had against the buyer of the 
 goods. The only cases opposed to tliis view are Jenness v. Bean, 10 N. H. 266, and 
 Williams v. Little, 11 N. H. 66, in which it is held, that, where a note is indorsed as 
 collateral security, the general property remaining in the indorser, the indorsee takes it 
 like a chose in action not negotiable, subject to all defences to which it would be 
 subject in the hands of the indorser at the time when notice is given of the indorse- 
 ment ", and it mak':s no difference whether it is indorsed as security for an existing 
 debt, or value received at the time. But in the later case of Clement v. Leverett, 12 
 N. H. 317, where a principal accepted bills of exchange, drawn on him by his agent, 
 payable to the order of the agent, who agreed to get them discounted for the benefit 
 of the principal ; and the agent, assuming to be the owner of the bills, pledged them 
 to a bonajide holder, to secure money borrowed for his own usefit was held, that the 
 principal, having enabled the agent to hold himself out as owner, was bound by the 
 pledge. We are not able to see very clearly how this case can be reconciled with the 
 two former. 
 
 ijj) Ayran v. M( Qnern, 32 Barb. 305. 
 
 [k) See Bay v. C'oddington, 5 Johns. Ch. 54, 20 Johns. 637. In this case, one R. 
 having, as agent of B., received negotiable notes to be remitted to B., delivered them to 
 C. as security against responsibilities as indorser of certain accommodation notes of R., 
 who liad then stopped payment and become insolvent, but on which notes of R , C. had 
 not then become chargeable. Hdd, that though C. had no knowledge that the notes so 
 deposited with him belonged to B., but believed R. to be the true owner of them, yet 
 he was not entitled to hold them, as against B., the lawful owner, but was accountable 
 to him for the amount, with interest. Kent, C. said : " The notes were not negotiated 
 to them in the usual course of business or trade, nor in payment of any antecedent 
 and existing debt, nor for cash or property advanced, debt created, or responsibility 
 incurred, on the strength and credit of the notes. They were received from R. & S., 
 and after they had stopped payment and had become insolvent within the knoAvledge 
 of J. & C. C, and were seized upon by the Coddingtons, as tabula in naufragio, to 
 secure themselves against contingent engagements previously made for R. & S., and 
 on which they had not then become chargeable. There is no case that entitles such a 
 holder to the paper, in opposition to the title of the true owner. They were not hold- 
 ers for a valuable cofisidcration, within the meaning or within the policy of the law." 
 We ar6 not aware that this decision has ever been questioned. And see, to the same 
 effect, Bank of Mobile v. Hall, 6 Ala. 639 ; Andrews v. McCoy, 8 Ala. 920 ; Ber- 
 trand v. Baikman, 8 Eng. Ark. 150. 
 
 Vol. I,- P
 
 226 NOTES AND BILLS. [CH. VI, 
 
 dorser. For until the note is collected, he holds it merely as 
 agent or trustee of his indorser.(/) 
 
 It is universally conceded that the holder of an accommoda- 
 tion note, without restriction as to the mode of using it, may 
 transfer it, either in payment, or as collateral security for an an- 
 tecedent debt, an3 the maker will have no defence. (w) 
 
 In this chapter we have treated specifically only of negotiable 
 paper. But what has been said applies equally to a promissory 
 note not payable to order or bearer, and therefore not negotiable, 
 with only those qualifications and exceptions which are made 
 necessary by the fact, that a non-negotiable note cannot be in- 
 dorsed, and therefore no person can acquire the rights of an 
 indorsee. 
 
 Whether the presumption of consideration extends to a note 
 or bill which is not negotiable, cannot be positively stated from 
 the authorities. If the words " value received," or any similar 
 or equivalent words, are used, they would undoubtedly be re- 
 garded as evidence of consideration. But it is a different ques- 
 tion, whether, if no such words are used in a bill or note which 
 is not payable to order or to bearer, a presumption of considera- 
 
 (/) Solomons v. Bank of England, 13 East, 135 ; De La Chaumette v. Bank of Eng- 
 land, 9 B. & C. 208 ; Johnson v. Barney, 1 Iowa, 531 ; Atkinson v. Brooks, 26 Vt. 
 584, cited supra. See Allen v. King, 4 McLean, 128. 
 
 (?n) Rutland Bank v. Buck, 5 Wend. 66 ; Grandin v. Le Roy, 2 Paige, 509 ; La- 
 throp V. Morris, 5 Sandf. 7; Mohawk Bank v Corey, 1 Hill, 513; Matthews v. Ru- 
 therford, 7 La. Ann. 225 ; Appleton v. Donaldson, 3 Penn. State, 386 ; Boyd v. 
 Cummings, 17 N. Y. 101 ; De Zeng v. Fyfe, 1 Bosw 335; Robbins v. Riciiardson, 
 2 Bosw. 248. In Kinibro >;. Lytle, 10 Yerg. 417, A left blank indorsements with B, 
 with a view to aid B in his business and to sustain his credit. No restriction was 
 imposed as to the use to be made of them. B filled up a note with A's indorsement 
 thereon, and passed it to C as security for an existing liability of B. Held, that A 
 was liable to C upon such indorsement. Where an indorsement in l)lank is left with 
 A generally, and without restriction, it is an assent on the part of the indorser, that 
 A may pledge it as security for his existing liabilities, or u.se it in any other way law- 
 ful and necessary for his accommodation and credit. In Lord v. The Ocean Bank, 20 
 Penn. State, 384, /i/(^r^•, C. J. said : " The maker of an accommodation note cannot 
 set uj) the want of consideration as a defence against it in the hands of a third ])erson, 
 though it be there as c«llaterai security merely. He who chooses to put himself in the 
 front of a negotiable instrument for the benefit of his friend, must abide the conse- 
 quence (12 S. & R. 382), and has no more right to complain, if iiis friend accommo- 
 dates hiiMself by pledging it for an old debt, than if ho had used it in any other way. 
 This was decided, 3 Barr. 3S1, in a case strongly resembling the present one. Ac- 
 commodation paper is a loan of the maker's credit, without restriction as to the man- 
 ner of its use."
 
 CH. VI.] TRANSFERS FOR ANTECEDENT DEBTS, ETC. 227 
 
 tion would exist. The only conclusion to wliich we are led by 
 the authorities is, that in some of our States this presumption 
 would be denied, and in others, perhaps, admitted. («) 
 
 It is, however, certain that any holder of a non-negotiable note, 
 however numerous may be the transferrers intermediate between 
 himself and the promisee, stands only in the place of the prom- 
 isee, and has only his rights. Therefore, the presumption of a 
 
 (n) The text-books and the cases say comparatively little about promissory notes 
 not negotiable. Selwyn's Nisi Prius, vol. 1, p. 400, defines a promissory note as a 
 promise in writing to pay " A or order, or A or bearer." The 3 and 4 Anne, eh. 9, 
 speaks only of notes in writing, whereby the promisor promises " to pay unto any 
 other person or his order." This statute was passed in 1704. Twenty-four years after, 
 the precise question came before the Common Bunch, on demurrer, whether a note, 
 omitting the words "to order," was a promissory note within the statute; and the 
 court held it to be "clearly within the statute." Burchell v. Slocock, 2 Ld. Raym. 
 1545. In Smith v. Kendall, 6 T. R. 123, the question of allowing three days' grace on 
 such a note came before the King's Bench, and the counsel for the plaintiif cited many 
 authorities to the point that this was a promissory note within the statute. But Lord 
 Kenyon, in giving his decision, refers only to Burchell v. Slocock, but fully confirms 
 that case. Story, in his work on Promissory Notes, sect. 9, says : " But if the prom- 
 ise be in writing, and it has all the other requisites, it is not essential to its character 
 as a promissory note that it should be negotiable." And in section 3 he says : " A 
 promissory note is, in contemplation of law, entitled to all the privileges belonging to 
 such an instrument by the Commercial Law as well as by Common Law, without 
 being negotiable." In sections 7 and 181 he states that "promissory notes" import a 
 consideration ; but in section 7 he enumerates this presumption as one of the " privileges, 
 benefits, and advantages " given to them " to insure their circulation as a medium of 
 pecuniary commercial transactions." But this reason certainly does not apply to notes 
 not negotiable, because they cannot circulate by indorsement. In Mandeville v. Welch, 
 5 Wheat. 282, Storij, J , giving the opinion of the court, says : " In this respect, bills 
 of exchange and negotiable notes are distinguished from all other parol contracts by 
 authorities which are not now to be questioned." He referred to the presumption of 
 consideration ; but as it was presented by the case as a question between third parties. 
 this may explain his use of the word negotiable. Generally, when the rule is stated, 
 either in text-books or in adjudged cases, it is said of bills of exchange and promissory 
 notes, without using the word negotiable ; and when this word is used, it seems to be 
 a case where only a negotiable note was under discussion. In Meredith r. Chute, 2 
 Ld. Raym. 760, (nom. Meredith v. Short, 1 Salk. 25,) Lord Holt applies the rule to 
 a note, of which it is not stated expressly whether it was negotiable or not ; but as 
 the note is said in both reports to have been " delivered " to the defendant as the 
 ground of his assumpsit, it may perhaps be inferred, both from this word and from 
 other parts of the case, that the note was not indorsed or negotiable. In Ridout v. 
 Bristow, 1 Cromp. & J. 231, the action was on a promissory note " expressed to be 
 payable to the testator twelve months after date," and turned upon the consideration, 
 There is no intimation throughout the case, which is a long one, that the note '• was ne- 
 gotiable, unless it be implied in the remark of Vdughan, B., that the note was in the 
 usual form, and like all other notes." But he says this in reference to an attempt by 
 defendant to make it a "mere indemnity note." Through the case, all the counsel and
 
 223 NOTES AND BILLS. [CH. VL 
 
 consideration, or the evidence of a consideration derived from 
 such words as " value received," is open to rebutter, and want 
 or failure of consideration, total or partial, may be proved by 
 the promisor against any holder of a note which is not nego- 
 tiable, to the same extent and in the same way in which it may 
 be proved between immediate parties if the paper be negotiable. 
 
 all the judges speak of the rule as familiar and certain, using no words which would 
 confine it to negotiable notes. 
 
 That this presumption of consideration attaches to promissory notes which are not 
 negotiable, seems to have been distinctly held in New York. In Kimball v. Hunting- 
 ton, 10 Wend. 675, the Supreme Court say of an instrument in these words, "Due 
 A. B. $325, payable on demand": " The instrument is a promissory note within the 
 statute, as it contains every quality essential to such paper." And in Goshen & 
 Minisink Turnpike Road v. Hurtin, 9 Johns. 217, which was assumpsit on a written 
 promise to pay money, the court say : " The note set forth in the declaration is si good 
 promissory note within the statute, though it has not the words 'hearer^ or ^ order"* ; 
 and aftcrivards, " It was not requisite that a consideration should be averred, or appear 
 upon the face of the note, for every note within the statute, unless there be something 
 in the note itself to the contrary, imports a consideration ; and that presumption stands 
 good until tile defendant destroy it." A similar conclusion may perhaps be inferred 
 from Conrsin v. Ledlie, .31 Penn. State, 506, in which negotiability is held not to be 
 essential to a bill of exchange. See also, Mitchell v. Rome Railroad Co., 17 Ga. 574 ; 
 Thompson v. Crutcher, 26 Misso. 319 ; Middlesex Husbandmen, &c. v. Davis, 3 Met. 
 133; Tov-fusend v. Derby, id. 363; Downing v. Backcnstoes, 3 Caines, 137; Jones 
 V. Jones, 6 M. & W. 84. 
 
 In Bristol v. Warner, 19 Conn. 7, it is distinctly decided that " in this State " a note 
 not negotiable, and not purporting to be for value received, docs not imply a consider- 
 ation. Tiie only authority cited is Edgerton v. Edgerton, 8 Conn. 6. In that case, tho 
 court so rule, citing no authorities, liowevcr, and quoting from Swift's Evidence this 
 passage: "In Connecticut, promissory notes from the earliest periods have been con- 
 sidered as specialties, so far as to import a consideration." The court, after expressing 
 the highest regard for Judge Swift's authority, overrule it on this point. The court 
 evidently construe Swift's words as including non-negotiable notes ; but the rule, pre- 
 cisely as he t;ivcs it, is given in very many cases. Kent says, "The words 'value re- 
 ceived' in a bill or note are unnecessary, because value is implied in every negotiable 
 bill, note, acceptance, or indorsement," (3 Kent, Com. 77,) thus omitting the word 
 " negotiuliie " when he gives the rule, but using it when he gives the reason for the rule. 
 In Binleback v. Wilkins, 22 I'enn. State, 26, it is said that "mere possession of non- 
 negotiable paper implies no consideiation, and confers no right of action in the holdei-'s 
 name." Si-e also Harri( k v. Austin, 21 Barb. 241. 
 
 As we liKve already said in the text, wo are uini!)lc to make a more accurate state- 
 ment of till- law on this suliject than that " value received " in non-negotiable paper 
 raises the presuinption of consideration ; but where neither these words nor otiicrs of 
 C(|uivaleiil import are used, and the iiislrurnciit contains neillier " bearer" nor "order," 
 in home Sian-H the presumption of consideration would probably be admiitcd, and iu 
 others deiii< d.
 
 CH. VII.J WHERE A PARTY SIGNS AS PRINCIPAL. 22l> 
 
 CHAPTER VII. 
 
 OF THE RIGHTS AND DUTIES OF THE MAKER. 
 
 SECTION I. 
 
 WHERE A PARTY SIGNS AS PRINCIPAL. 
 
 We have already seen that the maker of a note and the ac- 
 ceptor of a bill have nearly the same rights and duties. (o) Both 
 are the principal debtors, to be called on before any otlier parties 
 can be made liable. (j») There are, however, some differences, 
 which may be gathered from what is elsewhere said, but may be 
 here briefly stated. While the promise in a negotiable note must 
 be absolute, (g) an acceptance may be conditional. (r) Possession 
 
 (o) Supra, p. 54. 
 
 (p) Blair v. Bank of Tennessee, 11 Humph. 84 ; Foden v. Sharp, 4 Johns. 18.3; 
 Wolcott V. Van Santvoord, 17 Johns. 2-48 ; Wallace v. M' Connell, 1.3 Pet. 136 ; At- 
 tenhorough v. MacKenzie, Exch. 1856, 36 Eng. L. & Eq. 562. In Laxton v. Peat, 2 
 Camp. 185, Lord Ellenbm-oitgh held, that an acceptor for the accommodation of the 
 drawer was only a surety for the drawer. See also Collott v. Haigh. 3 Camp. 281. 
 But the authority of these cases was denied in Fentum v. Pocock, 5 Taunt. .192, 
 1 Marsh. 14 ; and in Yallop v. Ebers, 1 B. & Ad. 698. See also Price v. Edmunds, 10 
 B. & C 578. Harrison v. Courtauld, 3 B. & Ad. 36 ; Nichols v. Norris, id. 41 ; Strong 
 V. Foster, 17 C. B. 201 ; Lord v. Ocean Bank, 20 Penn. State, 384 ; Church v. Bar- 
 low, 9 Pick. 547 i Commercial Bank ?>. Cunningham, 24 Pick. 270; Pickering v. 
 Marsh, 7 N. H. 192 ; Murray v. Judah, 6 Cowen, 484 ; Clopper v. Union Bank, 7 
 Harris & J. 92 ; Lambert v. Sandford, 2 Blackf. 137 ; Anderson v. Anderson, 4 Dana, 
 352 ; Farmers' & M. Bank ». Rathbone, 26 Vt. 19; Yates v. Donaldson, 5 Md. 389 , 
 Hansbrough v. Gray, 3 Grat. 356. But see Parks v. Ingram, 2 Foster, 283. Courts 
 of equity have been disposed to admit evidence of the actual relations of the parties, 
 when those relations were known to the holder. Pooley v. Harradine, 7 Ellis & B. 431, 
 40 E. L. &, E. 96. See Bank of Ireland v. Beresford, 6 Dow, 233. Ex parte Glendin- 
 ning. Buck, 517; Adle v. Metoyer, 1 La. Ann. 254; Theobald on Principal and 
 Surety, 254. The relations of the parties to each other may be shown by evidence. 
 See Parks v. Ingram, 2 Foster, 283 ; In re Babcock, 3 Story, 393 ; Baker v. Martin, 
 .3 Barb. 634 ; Jones v. Brooke, 4 Tatxnt. 464, 
 
 {q) Supra, c. 3, § 5. 
 
 (r) Lifra, c. 9 ^ I. 
 
 VOL. I. 20
 
 2o0 NOTES AND BILLS. [CH. VD. 
 
 of a note by the maker affords a presumption in favor of his pay- 
 ment of it : while mere possession by the acceptor raises no such 
 presumption. (i') The maker of a note does not by payment 
 affirm the genuineness of the signature of the payee, while the 
 acceptor by his acceptance admits that the signature of the 
 drawer is genuine. (/) It is the duty of botli to pay to any legal 
 liolder, on legal demand, the whole amount of the note or bill, 
 which is then due.(w) But they have not the right of paying 
 before the paper is mature, unless by the consent of the holder. 
 If they tender the money before matiirity, and it is received, this 
 acceptance of payment is a waiver of the right of the holder to 
 object. But he may reject the tender, and then it is of no effect, 
 either to stop interest or to prevent cost ; nor can it be pleaded 
 as a tender, (i;) And if the maker or acceptor pay negotiable 
 paper before maturity, and it afterwards, before maturity, falls 
 into the hands of an innocent party for value, the maker or ac- 
 ceptor will be held to pay the amount to this innocent holder. (ir) 
 Neither is the maker or acceptor bound to pay without pre- 
 sentation of the note. (2;) It has been said that neither is bound 
 
 (s) In Pfiel V. Van Batenberg, 2 Camp. 439, Lord Ellenborough said : " Show that 
 the bills were once in circulation after being accepted, and I will presume that they 
 got back to the acceptor's hands by his having paid them. But when he merely pro- 
 duces them, how do I know that tiiey were ever in the hands of the payee, or any in- 
 dorsee, with his name upon them as acceptor. Prove the bills out of the plaintifFa 
 possession acce})ted, and I will presume that they got back again by payment." 
 
 [I) Infra, c. 10, § 2. 
 
 (u) Infra, c. 12, § I. 
 
 (v) Bac. Abr. Tender (D) ; Tlowd. 172, 173 ; Wade's case, 5 Eep. 114 ; Tillou » 
 Britton, 4 Halst. 120; Kingman v. Pierce, 17 Mass. 247 ; Saunders v. Frost, 5 Pick. 
 2.'J9. 
 
 (w) De Silva v. Fuller, Chitty on Bills, 392 ; Burridge v. Manners, 3 Camp. 198 ; 
 Morley v. Culverwell, 7 M. & W. 174 ; Griswold v. Davis, 31 Vt. 390. So if he takes 
 a release. Dod v. Edwards, 2 Car. & P. 602. 
 
 (x) Hansard v. Robinson, 7 B. & C. 90, 9 Dow. & \l. 8G0. In this case Lord Ten- 
 terden said : " The principle u])on which all such actions [on bills of exchange] is 
 founded is the custom of merchants. The general rule of the English law does not 
 allow a suit by the assignee of a chose in action. The custom of inercnaiits, consid- 
 ered as |jart of the law, furnishes, in this case, an excc))tion to the general rule. What 
 then is the custom in this respect? It is that the holder of the bill shall present the 
 in.itrunient at its maturity to the acceptor, demand payment of its amount, and, upon 
 receipt of the money, deliver up the bill. The acc'cptor paying the bill has a right to 
 the possession of the instrument for his own security, and as his vouc/.cr and dis- 
 eliar^ri! jiro titnlo, in his account with the drawer." See Musson v. Lake, 4 How. 262 ; 
 Bunk of Verg<;nnes v. Cameron, 7 Barb. 143; Freeman v. Boyntoi\ 7 Mass. 483 ; 
 Giliiert v. Dennis, 3 Met. 495. A distinction has been taken in this respect between
 
 CH. VII.] WHERE A PARTY SIGNS AS PRINCIPAL. 231 
 
 to pay without presentation of the wliole note ; and hence the 
 holder of only one half of a note or bill, which has been so di- 
 vided for the sake of security, has been regarded as unable to 
 recover on it ; for an innocent holder of the other half would 
 have quite as good a claim ; and no promisor can be held liable 
 to pay the amount of his note to two different parties ; and there- 
 fore not to one, unless that payment will protect him from the 
 other. This question is very fully considered in our chapter on a 
 Lost Bill or Note. In this connection we will only say, that, on 
 the whole, we should state the law thus : The holder of one half 
 of a negotiable bill or note may generally recover upon it the 
 amount of the bill or note, provided he show that he holds it by 
 good title ; but in some of our States, and perhaps in all under 
 some circumstances, he would be required to give indemnity to 
 the payer. (^) But this question we consider elsewhere. 
 
 negotiable and unnegotiable paper, making delivery to the maker on payment necessary 
 in the former, and unnecessary in the latter. There is also a conflict of authority on 
 the point ; the English and some American cases holding the law as stated in the 
 text, while many American cases decide that the holder cannot be compelled to deliver 
 np the note. There are also decisions to the effect that the holder, after tendering ade- 
 quate secunty, may maintain an action on the note without presentation. Tiiis subject 
 is considered wfra, Vol. II. ch. 8. 
 
 [y] In Mayor v. Johnson, 3 Camp. 324, a bank-note payable to bearer was cut in 
 two, and one half sent by mail. The bag containing it was stolen from the mail. 
 Suit being brought on the other half, the plaintiffs were nonsuited. Lord Ellenborough 
 said : " It is usual and proper to pay upon an indemnity ; but payment can be enforced 
 at law only by the production of an entire note, or by proof that the instrument, or the 
 part of it which is wanting, has been actually destroyed." Mossop v. Eadon, 16 Ves. 
 431, was a bill in equity to compel payment of a promissory note which had been cut 
 in two, one of the parts having been lost. The other part was produced. The bill was 
 dismissed, on the ground that an action might be maintained thereon at law. The note 
 had never been negotiated ; therefore this case is neither in conflict with, nor a confirma- 
 tion of. Mayor v. Johnson. But Mayor v. Johnson cannot be law, because a half of a 
 bill is not a negotiable instrument, and if it were, the holder of the lost part must have 
 taken it with notice of the existence of the other half, and at his peril. The reason 
 given, that the bank might be liable to pay twice, is, at the best, a very doubtful one. 
 The remedy of the holder, in good faith, of the lost part, would be against the party 
 from whom he received it. For these reasons, the American cases are in direct conflict 
 with Mayor v. Johnson. Hinsdale v. Orange Bank, 6 Wend. 378 ; Armat v. Union 
 Bank, 2 Cranch, C. C. 180, 2 Nott & M. 471 , note ; Bullet v. Bank of Pa., 2 Wash. C. C 
 172 ; Martin v. Bank of U. S., 4 Wash. C. C. 2.53 ; Patton v. State Bank, 2 Nott & 
 M 464 ; Allen v. State Bank, 1 Dev. & B. Eq. 1 ; Bank of U. S. v. Sill, 5 Conn. 106 ; 
 Bank of Va. v. Ward, 6 Munf. 169 ; Farmers' Bank v. Reynolds, 4 Rand. Va. 186 ; 
 Commercial Bank v. Benedict, 18 B. Mon. 307 , Northern Bank i'. Farmers' Bank, 
 id. .506. But where the notes of a bank had been so severed as to make twelve bills 
 out of eleven, it has been held that the bank is no longer liable on the notes, since the
 
 232 NOTES AND BILLS. [CH. VIL 
 
 The owner of a note who demands payment of it may some- 
 times be unable to produce and present it, because it has been 
 lost or destroyed. Here arises a different and peculiar question, 
 which will be considered hereafter. (s) 
 
 If a note be drawn with the intent that it shall be signed by 
 several persons, and one or more of them sign it on a representa- 
 tion by the payee of the party to whom it is to be given, or by an 
 understanding with him that the otliers will sign it, and tliey do 
 not, it is not valid against the actual signers ; (a) but if the sign- 
 ers, with a knowledge of the facts, waive their right to object, it 
 becomes their note. (6) 
 
 necessary effect of such mutilation is to defraud the bank and to injure the community; 
 and such notes present on their face such unmistakable evidence of fraud and forgery 
 as to amount to notice, or to deter a reasonably prudent man from receiving it in the 
 ordinary course of business. Northern Bank v. Fanners' Bank, 18 B. INIon. 506. 
 Whether Worcester Co. Bank v. Dorchester & M. Bank, lOCush. 488, which decides 
 that a party taking a bank-bill in good faith may recover upon it, although guilty of 
 gross negligence in not ascertaining that it, had been fraudulently put into circulation, 
 would cover such a case, qucere. Dean v. Speakman, 7 Blackf 317, is authority neither 
 way, as the note had never been negotiated. Some of the cases decide that the bank 
 has a right to i-equire indemnity. Allen v. State Bank, 1 Dev. & B. Eq. 1 ; Bank of 
 Va. V. Ward, 6 Munf 169 ; Commercial Bank v. Benedict, 18 B. Mon. 307. In Far- 
 mers' Bank v. Reynolds, 4 Rand. Va. 186, it was held, that the plaintiff cannot recover 
 interest nor costs, unless he tenders indemnity before bringing the action. In Armat 
 V. Union Bank, the bank offered to pay half tiie value of the bill, but the plaintiff was 
 allowed to recover the full value. In order to recover on such bill or note, the plain- 
 tiff must produce one half, and prove ownership of the other. Cases supra. The 
 United States Bank gave notice that it would not be responsible for any of its bills 
 which should be voluntarily cut in two, except on production of both the parts. The 
 court in Bank of U. S. v. Sill, 5 Conn. 106, in speaking of this notice, say it "is as 
 extraordinary as it is novel, and is probably the first instance of a debtor's undertaking 
 to prescribe terms to his creditors." This is only a diclnm, as the court held that notice 
 to the plaintiff had not been proved. But in Martin v. Bank of U. S., 4 Wash. C. C. 
 2.53, the validity of such notice was denied by Wasliiru/ton, J., who said : On what 
 principle can one party to a contract absolve himself from its obligations witlioat the 
 assent of the otlier? I know of none. If ti)e bank can dictate to the holders of its 
 notes the condition stated in this notice, upon the performance of which, and not other- 
 wise, it would pay them, it might with equal propriety prescribe any other condition, 
 and declare in what case it would pay and in what not. 
 
 (z) Infra, Vol. II. eh. 9. 
 
 (rt) Evans v. Breinridgc, 2 Kay & J. 174, 3.5 Eng. L. & Eq. 397 ; Awdo v. Dixon, 6 
 Exch. 869 ; Hill v. Swcctscr, 5 N. H. 168. See Smith v. Doak, 3 Texas, 21.5 ; Martin 
 r. Stribliiig, 1 Spcers, 23; Hcan v. Parker, 17 Mass. .591 ; Dunn v. Smitli, 12 Smedes 
 & M. fi(t2; Miik-r v. Garni. ic, 4 Barb. 146. In Baidi of Mo. v. rhillii)S, 17 Misso. 29, 
 it was hehl, that it is no (lcfi'nc(! for an indorscr, tliat lie indorsed the note upon the 
 express condition that it sliould also l.e indorsed by another person, when it does not 
 appear that tiii- [.hiintiff kiu'w the conilition. 
 
 (/;) Leaf «;. Gibim, 4 Car. & V. 466.
 
 CH. Vn.] WHERE A PARTY SIGNS AS SURETY. 233 
 
 SECTION II. 
 
 WHERE A PARTY SIGNS AS SURETY. 
 
 One may sign a note merely as surety. If he so call himself in 
 the note, he is only a surety as to all parties. (c) If two persons 
 sign a joint and several note, and one of them pays the whole 
 and sues the other for contribution, this other may show by evi- 
 dence that he signed only as surety for the first, who therefore 
 has no claim on him for contribution. (c?) For the note is not a 
 written contract between the makers, although the language is 
 prima facie evidence of their relations to each other ; but it is a 
 written contract between them and the payee. This contract is 
 to pay money at a specified time, and on this point, at least, it 
 cannot be varied by parol evidence. On the question whether 
 parol evidence is admissible to show that one who signed a note 
 as a joint, or joint and several maker, was only a surety for his 
 co-maker, in an action by the holder against such surety, the au- 
 thorities are conflicting and uncertain. It seems to be settled, 
 that where the fact was not known to the holder previous to the 
 maturity of the note, such evidence is inadmissible ; but where 
 this relation was known to the holder at the time of entering into 
 the contract, the evidence is admissible in equity. But, at law, 
 it is urged, on the one hand, that this is an attempt to vary the 
 contract ; that the parties, having called themselves joint, or joint 
 and several, promisors in the contract, cannot assume a different 
 
 (c) See Hunt v. Adams, 5 Mass. 358, 6 Mass. 519, 7 Mass. 518 ; Humphreys v. Crane, 
 5 Calif. 173 ; Bryan v. Berry, 6 Calif. 394 ; Ex parte Wilson, 3 Mont. D. & De G. 57, 
 supra, p. 136. A note may be accepted by one as surety; see Boyd v. Plumb, 7 Wend. 
 309. The signature need not be on the face of the note. Palmer v. Grant, 4 Conn. 
 389 ; Marberger v. Pott, 16 Penn. State, 9. The suretyship is sufficiently indicated by 
 writing the word " surety," or " security," after the signature. Hunt v. Adams, supra, 
 Robison v. Lyle, 10 Barb. 512. See Perkins v. Goodman, 21 Barb. 218. As to the 
 iramediateness of liability to the payee of parties signing as principal and surety, these 
 words are said to be words of description only. Harris v. Brooks, 21 Pick. 195; Davis 
 V. Barrington, 10 Foster, 517. See further, Sisson v. Barrett, 6 Barb. 199, 2 Comst. 
 406 ; Robison v. Lyle, 10 Barb. 512 ; Apgar v. Hiler, 4 N. J. 812. The character in 
 which the parties signed is presumed from the face of the note. Lord v. Moody, 41 
 Maine, 127. 
 
 ((/) See Harris v. Brooks, 21 Pick. 195; M'Gec r. Prouty, 9 Met. 547 ; Lapham ». 
 Barnes, 2 Vt. 213; Apgar v. Hiler, 4 N. J. 812. 
 20*
 
 23-i NOTES AND BILLS. [CH. VIL 
 
 relation or character by extraneous evidence. On the other 
 hand, it is contended, that the note does not express the whole 
 contract, since it depends materially upon delivery, and the pur- 
 poses for which delivery is made ; that the terms of the note only 
 offer a presumption of the relation in which the parties stand to 
 each other ; that this is a mere collateral fact, which can be 
 proved, and the presumption rebutted, by parol evidence. We 
 consider that the weight of authority and principle is in favor of 
 the admission of such evidence. (e) 
 
 (e) In Manley v. Boycot, 2 Ellis & B. 46, an action by the payee of a joint and 
 several note against one of the makers, the defence being that the defendant was in 
 reality a surety, the court held a plea bad, because it did not allege that the note was 
 delivered by the defendant to the plaintiffs, as surety, and that they agreed so to re- 
 ceive it from him. Lord Campbell, in delivering the opinion of the court, said : "But 
 cases in which it can be proved that, at the time when a note was made, or a bill was 
 accepted and handed over to the payee, the maker or acceptor being only a surety, the 
 payee, knowing this fact, agreed to receive it from the maker as surety only, may 
 admit of a different construction, and, consistently with our judgment, it maybe held in 
 such cases, that the maker or acceptor is discharged, by time being given to tlie principal 
 debtor." In Pooley v. Harradine, 7 Ellis & B. 431, 40 Eng. L. & Eq. 96, the defendant, 
 a joint maker, pleaded, by way of equitable defence, that he signed the note only for 
 the accommodation of the other promisor, and only as his surety ; that the note was 
 accepted by the plaintiff upon the express agreement that the defendant should be held 
 only as surety ; and that the plaintiff had given time to the principal debtor by a valid 
 agreement, without the defendant's knowledge and consent, and to his prejudice. The 
 plaintiff demurred, and the court held that the plea stated a good equitable defence at 
 law to the action. Coleridije, J. said : " In the more recent cases at law, however, the 
 rule in question has apparently been treated as arising out of the original contract with 
 the creditor ; and if this was a plea of a legal defence we should probably have felt bound 
 by those authorities, and have left it to a court of error to consider the whole question, 
 taking it into their consideration whether the same rule in such matters ought not to 
 exist in courts of law and equity, and to decide, if there be a difference, what the 
 rule should be. As we are, however, called upon to deal with this case as if we 
 were sitting in a court of equity, we think we ought to decide it according to what wo 
 believe to be the doctrine of courts of equity. We give our judgment for the defendant 
 on the present plea, on the ground that it appears to us sufficiently to state that the 
 relation of principal and surety existed between the defendant and the principal debtor 
 inter se, and that the plaintiff liad knowledge of that fact when the notes were made 
 and received by liim, and when he entered into a binding agreement to give time to the 
 principal debtor." We arc aware of no autlioritative case at law in England which 
 cx|)resKly decides the point ; though the language used in some cases tends strongly 
 towards rejecting the cviilence. See Strong v. Foster, 17 C. B. 201 ; Hollier v. Eyre, 
 y C;iark & F. 4.5 ; Pooley v Harradine, siijird ; Manley v. Boycot, .sw/wj ; Price v. Ed- 
 munds, 10 B. & C. .578; Perfect v. Musgrave, 6 Price, 111. But it was admitted in 
 two cases at Nisi Prius, — Hail v. Wilcox, 1 Moody & K. 58 ; Garrett v. Juil, 1 Selw. 
 N. P., 1 1th cd.,407. In the following cases the dcftjndaiit was allowed to show that ho 
 signed as sunity, and that the plaintiff, having notice, liad given time, or relin(|uishcd 
 security ; nor does it ajjpear that the note was taken with such knowledge, or agreed
 
 CH. VII.] WHERE A PARTY SIGNS AS SURETY, 235 
 
 And if, of three who sign a note, two, A and B, call themselves 
 sureties, and A pays the note and calls on B, his co-surety, for 
 contribution, this co-surety may show a separate agreement be- 
 tween himself and A, to the effect that he signed at the request 
 of A, who agreed to pay the whole if the principal failed, and 
 not to call oil B for contribution. (/) And we should apply the 
 same rule if A and B were sureties in fact, but appeared on the 
 note only as joint promisors, or joint and several promisors. But 
 the authorities on this whole subject are conflicting, and leave the 
 law ill some uncertainty. It has been held that one who signed 
 a note apparently as principal, but is a surety in fact, within the 
 
 to be so held. Home v. Bodwell, 5 Gray, 457 ; Carpenter v. King, 9 Met. 511 ; Har- 
 ris V. Brooks, 21 Pick. 195 ; Wilson v. Green, 25 Vt. 450 ; Grafton Bank v. Kent, 4 
 N. H. 221 ; Grafton Bank v. Woodward, 5 N. H. 99. See Pain v. Packard, 13 Johns. 
 174; King v. Baldwin, 2 Johns. Ch. 354; Herrick v. Borst, 4 Hill, 650; Mariners' 
 Bank v. Abbott, 28 Maine, 280 ; Lime Rock Bank v. Mallett, 42 Maine, 349 ; Fowler v. 
 Brooks, 13 N. H. 240; Davis l\ Barrington, 10 Foster, 517. In Wheat v. Kendall, 6 
 N. H. 504, it distinctly appeared that the plaintiff bonght the note before it became due, 
 without notice of any suretyship, but that he subsequently, and before giving time to 
 the principal, had notice that the defendant was a surety. Parker, J. said : " The 
 injury to the surety is the same as if the creditor had possessed the knowledge at the 
 time the note was taken. He could not pay and take up the note within the term 
 of the extended credit, and seek indemnity from his principal as he might otherwise 
 have done. All that justice requires is, that such contract should not prejudice the 
 right of the creditor against the surety until he had notice that he was surety. When 
 he has notice of that fact, all that he is required to do is, not to undertake to continue 
 the liability of the surety by a new agreement with the principal without the assent of 
 the surety. This manifestly imposes no hardship upon the creditor." See Peake v. 
 Dorwin, 25 Vt. 28; Claremont Bank v. Wood, 10 Vt. 582; Artcher v. Douglass, 5 
 Denio, 509 ; Elwood );. Deifendoif, 5 Barb. 398; Gahn v. Niemcewicz, 11 Wend. 312 ; 
 Branch Bank v. James, 9 Ala. 949 ; Lime Rock Bank v. Mallett, 34 Maine, 546 ; Dick- 
 erson v. Board of Commissioners, 6 Ind. 128 ; Burke v. Cruger, 8 Texas, 66, 11 id. 694. 
 The burden is on the defendant to prove that the plaintiff had knowledge of the surety- 
 ship. Wilson V. Foot, 11 Met. 285. The weight of authority in America we conceive 
 to be in favor of the admissibility of the evidence. In Ohio, the evidence is inadmis- 
 sible, the remedy of the actual surety being only in equity, on the ground that this 
 would constitute no defence to all the plaintiffs. Farrington v. Gallaway, 10 Ohio, 
 543; Slipher v. Fisher, 11 Ohio, 299. In Maryland, Yates v. Donaldson, 5 Md. 
 389. So, perhaps, in Connecticut, but this point was not decided. Bull v. Allen, 
 19 Conn. 101 ; Orvis v. Newell, 17 Conn. 97. And in California, Kritzer v. Mills, 
 9 Calif. 21. In Sprigg v. Bank of Mount Pleasant, 10 Pet. 257, it was held, that 
 riie defendant in an action on a single bill or bond, signed expressly as principal, was 
 estopped from showing that the plaintiff knew him to be a surety. The fact that the 
 surety received part of the consideration from the principal, as a gift, will not make 
 him a joint principal. Fraser v. McConnell, 23 Ga. 368. See Wilson v. Wheeler, 29 
 Vt. 484 
 (/) Apgar V. Hilar, 4 N. J. 812.
 
 23H NOTES AND BILLS. " [CH. VH 
 
 knowledge of the holder, and affixes his signature after the names 
 of others as signers are forged upon the note, and while it is in 
 the hands of him for whose benefit it is drawn, so far sanctions 
 and affirms the genuineness of the forged signatures that he can- 
 not take advantage of the fraud in his defence against the holder, 
 unless he shows that the holder was privy to the fraud. (/^) But 
 where the surety, after signing the note, intrusted it to a princi- 
 pal to be discounted at a bank, and before presenting it at the 
 bank the principal altered the amount to a larger sum, it was 
 held that the surety was not liable. The principle being, that, 
 where the plaintiff and defendant are equally innocent, the loss 
 must fall on the party who first placed confidence in the fraudu- 
 lent instrument.(/<) If a surety signs a note which shows on its 
 face that it is to be discounted at a particular bank, and which is 
 known to tlie holder to be drawn for the purpose of raising 
 money in this way, the surety will be discharged by any different 
 negotiation of the note.(i) He has a right to require perfect 
 good faith in all transactions involving his suretyship, whether 
 between the principal and the parties with whom the surety ex- 
 pressly contracts, or between either of them and other persons. (y) 
 Therefore, if a creditor conceal from the surety any bargains or 
 stipulations made before the suretyship is entered into which 
 make the contract more onerous to the principal debtor than it 
 seems to be, this is a fraud which invalidates the suretyship. (A;) 
 The creditor is not obliged to proceed entirely against the 
 principal debtor, even if he be so requested by the surety. The 
 holder is not obliged to give notice to the surety that the princi- 
 pal debtor has failed to pay, and that he is looked to on his sure- 
 tyship. It is quite certain that mere omission to sue the prin- 
 cipal, vvilhout request by the surety, will not discharge the 
 surety ; (/) not even where, by the delay, the remedy of the 
 
 (7) S(!lscr V. Brock, 3 Ohio State, 302. In an action against the surety alone, the 
 plaiiitid' need not prove the sif^imture of tiio principal. Bond v. Storrs, 13 Conn. 412. 
 
 (A) Afrawarn Bank v. Sears, 4 Gray, 9.5. 
 
 (() Dewey v. Coehran, 4 Jones, 184; Southerland v. Whitaker, 5 id. 5. See Smith 
 V. Knox, .3 Esp. 46. 
 
 (j) Snjira, p. 132, note 7, iind p. 140. 
 
 (^-) Slone V. Compton, ."i IJin^ N. C. 142, 6 Seott, 846; see Pideoek v. Bishop, 3 
 B. & C. fiO.5 ; Kvans v. Keeland, 9 Ala. 42; Selscr v. liroek, 3 Ohio State, 302; 
 Graves v. Tucker, 10 Snicdes & M. 1 ; Watriss v. Pierce, 32 N. H. .560. 
 
 (/) Frecii an'H Bank v. Kolliiis, 13 Maine, 202; Townsend v. Kiddie, 2 N. 11 448;
 
 CH. VII.] WHERE A PARTY SIGNS AS SURETY. 237 
 
 surety is lost.(?;t) And the authorities would lead to the conclu- 
 sion, that this would be the rule, even where the surety had ex- 
 pressly requested that demand should be made or suit brought 
 against the principal. (w) And it is said to make no difference, 
 if the surety offers indemnity. (o) But this, which we think the 
 better rule, is not uncontradicted. (/?) So it is said a refusal to 
 prosecute a suit against the principal, which has been already 
 commenced, does uot discharge the surety. (^) But the authori- 
 ties we cite show that the courts have found some difficulty in 
 determining questions of this kind.(r) And we should be in- 
 
 Baker v. Marshall, 16 Vt. 522 ; Hunt v. Bridgham, 2 Pick, 581 ; Johnson v. Planters' 
 Bank, 4 Smedes & M. 165; Humphreys v. Crtine, 5 Calif. 173; Hartman v. Burlin- 
 game, 9 Calif. 557. See Onne v. Young, Holt, 84 ; Eyre v. Everett, 2 Russ. 381 ; 
 Heath v. Key, 1 Younge & J. 434 ; English v. Darley, 2 B. & P. 61 ; Comhe v. Woolf, 
 8 Bing. 156 ; Strong v. Foster, 17 C. B. 201 ; Hubbard v. Davis, 1 Aik. 296 ; Naylor 
 V. Moody, 3 Blackf 92 ; Dehuff w. Turbett, 3 Ycates, 157 ; Thursby v. Gray, 4 Yeates, 
 518; Burn v. Poaug, 3 Desaus. 596 ; Jordan v. Trurabo, 6 Gill & J. 103 ; U. S. w 
 Simpson, 3 Penn. 437 ; Curan v. Colbert, 3 Ga. 239. 
 
 (m) Townsend v. Riddle, 2 N. H. 448. 
 
 (n) Page v. Webster, 15 Maine, 249 ; Davis v. Huggins, 3 N. H. 231 ; Mahurin v. 
 Pearson, 8 N. H. 539 ; King v. Baldwin, 2 Johns. Ch. 554 ; Nichols v. McDowell, 14 
 B. Mon. 6 ; Hogaboom v. Herrick, 4 "Vt. 131 ; Bellows v. Lovell, 5 Pick. 307 ; Frye v 
 Barker, 4 id. 382 ; Dennis v. Rider, 2 McLean, 451 ; King v. State Bank, 4 Eng. 185. 
 See Manning v. Shotwell, 2 South. 584 ; Pickett v. Land, 2 Bailey, 608 ; Croughton v. 
 Duval, 3 Call, 69 ; Buchanan v. Bordley, 4 Harris & M 41 ; Pintard v. Davis, 1 N. J. 
 632 ; Carr v. Howard, 8 Blackf. 190 ; Colerick v. McCleas, 9 Ind. 245 ; Taylor v. Beck, 
 13 111 376 ; Howard v. Brown, 3 Ga. 523; Abercrombie v. Knox, 3 Ala. 728. Mont- 
 pelier Bunk v. Dixon, 4 Vt. 587 ; Dane v. Corduan, 24 Cul, ] 57. 
 
 (o) Adams Bank v. Anthony, 18 Pick. 238. 
 
 (p) See Bellows v. Lovell, 5 Pick. 307 ; Beardsley v. Warner, 6 Wend. 610 ; Wright 
 V. Stockton, 5 Leigh, 153; In re Bnbcock, 3 Story, 393; Dane r;. Corduan, 24 Cal. 
 157 ; Hickok V. Farmers' Bank, 35 Vt. 476. 
 
 (7) Bellows V. Lovell, 5 Pick. 307. 
 
 (r) In Pain v. Packard, 13 Johns. 174, the court AeW that neglect by the holder to 
 sue the solvent principal, at the mere request of the surety, and the subsequent insol- 
 vency and absconding of the principal, discharge the surety. This was denied by 
 Chancellor KeiH, in King v. Baldwin, 2 Johns. Ch. 554, but was affirmed by the Court 
 of Errors, in the same case, on appeal, 17 Johns. o84, overuling the Chancellor. Al- 
 though this is now held to be rhc law in New York, it is subjected to strict limitations. 
 Warner v. Bcardslcy, 8 Wend. 194; see Row v. Pulver, 1 Cowen, 2-16; Ruggles ». 
 Holden, 3 Wend. 216; Huffman v. Hulbert, 13 Wend. 377; Valentine v. Farrington, 
 a Edw. Ch. 53 ; Merritt v. Lincoln, 21 Barb. 249. In Herrick v. Borst, 4 Hill, 650, 
 Cowen, J. said that the doctrine " came into this court without precedent, was after- 
 wards repudiated even by the Court of Chancery, as it has always been held at law 
 and in equity in England, but was restored, on a tie, by the casting vote of a layman." 
 See also Schroeppell v. Shaw, 3 Comst. 446 ; Fuller v. Loring, 42 Maine, 481 ; Bull 
 V. Allen, 19 Conn. 101. In Pennsylvania the rule of Pain v. Packard has been 
 idoptcd, the want of a remedy in equity in that State being mentioned as a reason. 
 See Cope r Smith, 8 S. & R. 110; Eric Bank v. Gibson, 1 Watts, 143 ; Marbcrger v
 
 238 NOTES AND BILLS. [cil. VII. 
 
 clined to say, that in equity at least, if not at law, there should be 
 an application of the rule established in cases of guaranty and 
 sui'etyship on bonds, so far, at least, that the surety might have 
 some remedy where he was injured by wanton and inexcusable 
 neglect on the part of the holder,(s) This right of the surety to 
 require demand or process against the principal is now regulated 
 by statute in some of our States, as in California, Pennsylvania, 
 Georgia, Illinois, Alabama, Indiana, and Texas. 
 
 It is a general rule, that if the creditor, with knowledge of the 
 suretyship, makes any binding contract with the principal, without 
 the consent of the surety, which varies the terms of the original 
 undertaking for the performance of which he became responsible, 
 and is prejudicial to him, he is discharged. For the responsibility 
 of the surety rests upon the validity of his original contract; and 
 
 Pott, 16 Penn. State, 9. The request need not be in writing. Cope v. Smith, supra; 
 Erie Bank v. Gibson, supra. But it must contain a positive order to sue, with a dec- 
 laration that the surety will hold himself absolved if it is not complied with. Greena- 
 walt V. Kreider, 3 Penn. State, 264; Gardner v. Ferree, 15 S. & R. 28. No tender of 
 expenses or stipulation to pay them is necessary, unless required by the creditor. 
 Wetzel V. Sponsler, 18 Penn. State, 460; cotUra, Dane v. Corduan, 24 Cal, 157. For 
 other cases approvinj^ the rule in Pain v. Packard, see Lang v. Brevard, 3 Strob. Eq. 
 59; Goodman v. Griffin, 3 Stew. 160; Hancock v. Bryant, 2 Yerg. 476; State Bank 
 V. Watkins, 1 Eng. 123. In Alabama, Arkansas, Georgia, Illinois, Indiana, Missouri, 
 Ohio, Tennessee, Texas, Iowa, and Virginia, this subject has been regulated by statute. 
 In Louisiana the rule of the Civil Law, allowing the surety to require the creditor to 
 proceed against the principal, prevails. Civ. Code (1838), art. 3015. 
 
 In Clark v. Hill, cited in McColluni v. Hinckley, 9 Vt. 143, the surety was dis- 
 charged by the neglect of the holder to prove his claim against the insolvent estate of 
 the deceased principal until the claim was barred, and his pretending to have mislaid the 
 note and refusing a tender in bills, the surety having requested the holder to proceed 
 against the estate of the principal. In McCollum v. Hinckley, where the holder neg- 
 lected to prove his claim, but without notice of the death of the principal or nqucst by 
 the surety to proceed, the surety was iield to l>e discharged to the amount wliicti could 
 have been realized out of the estate. These two last cases were bills in equity. In 
 Bank of Manchester v. Bartlett, 13 Vt. 315. it was held that a mere refusal to proceed 
 against the insolvent estate of the deceased principal, unaccompanied by acts of posi- 
 tive and wilfid interference, would not discharge the smety. 
 
 {s) Sec White v. Howland, 9 Mass. 314 ; Oxford Bank r. Haynes, 8 Pick. 423; 
 Commerical Bank v. French, 2.1 Pick. 486; Marberger »;. Pott, 16 Penn. State, 9; 
 Sibley v. McAIinstcr, 8 N. H. 389. In Read v. Cutts, 7 Grcenl. 186, ^MInl, C.J. 
 said : " No demand of the debt, or notice of its non-payment by the principal, need bo 
 proved in an action against such surety in any c.ise." Seo also Gihbs, C. J., Ormo v. 
 Yoimg, Holt, 84; Wright v. Simi)son, 6 Ves. 714; Sailly w. Elmore, 2 Paige, 497 ; 
 Bcebe V. Dudley, 6 Foster, 249. In California a surety is entitled to demand and 
 notice. Bryan v. Berry, 6 Calif. 394. Not, however, unless the suretyship appears oii 
 the note. Kritzer v. Mills, 9 Calif. 21. Presentment with deunind of payment is not 
 necessary. Bond v. Storrs, 13 Conn. 412.
 
 CH. VII.] WHERE A PARTY SIGNS AS SURETY. 239 
 
 this, in turn, depends upon the assent of both parties, wliich is an 
 essential element of every valid contract. (^) 
 
 We should say that any material variation would be presumed 
 to be prejudicial to the surety ; {u) although it is shown to be not 
 injurious to him.(z;) It has been held, on what we deem strong 
 reasons, that, if a note be sued which was given as a collateral 
 security for the performance of a contract by another, it is a good 
 defence by the promisor that the contract has been materially 
 varied without his consent. (t<;) 
 
 If the creditor gives time or forbearance to the principal debtor 
 by a promise which binds him in law, and would bar his action 
 against the debtor, the surety is discharged. For in the first 
 place this essentially varies the terms of the obligation, which 
 ceases to be that for the due discharge of which he became surety. 
 And in the next place the surety holds, as a valuable right, the 
 power of instantly saving himself by suit against the debtor, if 
 he is obliged to pay the debt. If, then, time be given to the 
 debtor, and the surety pays, he loses this right because he does 
 not pay from legal necessity. The debtor may say, "I was not 
 obliged to pay my creditor for three months to come, and why 
 should I pay you ? " And thus the creditor has deprived the 
 surety of a right on which he may have depended for his indem- 
 nity, (a;) But that the promise may have this effect, the fact of 
 suretyship must be known to the creditor at the time he makes 
 
 (t) Mavhew /'. Boyd, 5 Md. 102 ; Kinp r. Balthvin, 17 Johns. 384 ; Wntriss v. Pierce, 
 32 N. H. 560; Manuf;ictureis' Bank v. Cole, 39 Maine, 188. See Bonar v. Macdonald, 
 3 H. L. Cas. 226 ; Boston H. M. Co. v. Messinger, 2 Pick. 223 ; Bethune v. Dozier, 
 10 Ga. 235. 
 
 (m) See Loughborough, Ld. Ch., Roes v. Berrington, 2 Ves. Jr. 540 ; Eastman, J., 
 Watriss v. Pierce, supra ; Miller v. Stewart, 9 Wheat 680. 
 
 [v) Miller v. Stewart, supra. See also McMicken v. Webb, 6 How. 292 ; Mackay v. 
 Dodge, 5 Ala. 388 ; Walworth, Ch., Miller v. McCan, 7 Paige, 451 ; Ncdson, J., Gahn 
 V. Niemcewicz, 11 Wend. 312 ; Holmes v. Dole, Clarke, Ch. 71. See American Bank 
 V. Baker, 4 Met. 164 ; Bangs v. Strong, 10 Paige, 11, 7 Hill, 250; Comcgys v. Booth, 
 
 3 Stew. 14 ; Mc Williams v. Mason, 6 Duer, 276. But see, covtra, Hulme v. Coles, 2 
 Sim. 12 ; Price v. Edmunds, 10 B. & C. 578 ; Bell v. Banks, 3 Scott, N. R. 497 ; Bar- 
 ker V. M'Clure, 2 Blackf. 14. 
 
 (w) Brigham D Wentworth, 11 Cush. 123. 
 
 (x) Bangs v. Strong, 10 Paige, 11, 7 Hill, 250; Bower v. Tienmann, 3 Denio, 
 378 ; Home v. Bodwell, 5 Oay, ''57 ; Davies v. Stainbank, 6 De G. M. & G. 679 ; 
 Dunn V. Spalding, 43 Maine, 336 ; Chute v. Pattee, 37 Maine, 102 ; King v. State Bank, 
 
 4 Eng. 185 r Waters v. Simpson, 2 Gilman,570. See Rees v. Berrington, 2 Ves. Jr. 540; 
 Orme v. Young, Holt, 84 ; Eyre v. Bartrop, 3 Mad. 221 ; Lewis v. Jones, 4 B. & C 
 515, note. The doctrine was first introduced in courts of equity. Gibbs, C J., Melvill 
 V. Glendining, 7 Taunt. 126. The rule is the same, if the principal was insolvent at 
 the time of the promise. Huffman i>. Hulbert, 13 Wend. 375.
 
 240 NOTES AND BILLS. [CH. VO. 
 
 the promise ; {y) nor will such knowledge be presumed where he 
 takes a note overdue ; (z) if the surety assents to the promise, 
 he will not be discharged ; (a) but assent of one surety will not 
 bind a co-surety. (Z>) If the agreement to give time be without 
 consideration, it does not bind the creditor, and therefore does 
 not discharge the surety, (c) The indulgence, to have tlie effect 
 of discharging the surety, must be for a definite time ; (d) but 
 this time may be very brief. (e) If the consideration for the in- 
 dulgence be usurious, where such a contract is void by law, the 
 agreement does not discharge the surety ; (/) and this has been 
 held even where the usury was paid, and the contract exe- 
 cuted ; (g-) but that the surety is discharged in this case seems 
 to be the better rule, and to rest upon better authority. (/i) Part 
 payment before maturity is held to be a sujfficient consideration 
 for the promise of indulgence, which promise therefore discharges 
 the surety. (i) But payment after maturity is not regarded as a 
 
 (y) Elwood V. Deifendorf, 5 Barb. 398. 
 {z) Nichols V. Parsons, 6 N. H. 30. 
 
 (a) See Gray v. Brown, 22 Ala. 262 ; Suydatii v. Vance, 2 McLean, 99 ; Solomon 
 w. Grej^orv, 4 Harrison, 112; Hinds v. Ingham, 31 111. 400. 
 
 (b) Crosby !>. Wyatt, 10 N. H. 318. In this case, the defendant, in an action for 
 contribution between co-sureties, claimed his discharge, because time had been given to 
 the principal. The note was given to a bank, which, according to its regular usage, 
 allowed the note to lie over after it became due, on receipt of interest in advance from 
 the princi])al. Held, that this was presumptive assent of the surety to such extension 
 of payment; but that this principle cannot apply to any delay beyond such regular 
 usage. So where the note laid over for two years, under such circumstances, and the 
 principal had become insolvent. Strafford Bank v. Crosby 8 Greenl. 191. See Crosby 
 V. Wyatt, 23 Maine, 1.56. Where a note stipulated for its continuance from time to 
 time, the sureties were held, although not consulted in making such continuance. Red- 
 dish V. Watson, 6 Ohio, 510. 
 
 (c) Reynolds v. Ward, 5 Wend. 501 ; Hogaboom v. Herrick, 4 Vt. 131 ; Crcath v. 
 Sims, 5 How. 192; Varnum v. Milfonl, 2 McLean, 74; Newell r. Hamcr, 4 How. 
 Miss. 684. See M' Lemore v. Powell, 12 Wheat. 554; Brinagar v. Phillips, 1 B. 
 Mon. 28.1. 
 
 (rf) Board of Police, &c. v. Covington, 26 Missis. 470. See Miller v. Stem, 2 Penn. 
 State, 286, 12 id. 383 ; Alcock v. Hill, 4 Leigh, 622; Gardner v. Watson, 13 111. 347 ; 
 Pamcll r. Price, 3 Rich. 121. 
 
 (c) Fellows V. Prentiss, 3 Denio, 512. 
 
 (/) Vilm V. JoncH, 1 Conist. 274 ; McComb v. Kittridge, 14 Ohio, 348. 
 
 (c/) See Vila"* v. Jones, sn/irn. 
 
 (h) Keimingliam v. Bedford, 1 B. Mon. 325 ; Duncan v. Reed, 8 id. 382; Walworth, 
 Ch., Vila.s V .Jones, 10 Paige, 76; Kyle;.'. Bostick, 10 Ala. 589 If usurious contracts 
 arc not void at law, the surety is discharged. Hurbcrt v. Dumont, 3 Ind. 346; Mc- 
 Comb V. Kittridge, 14 Ohio, 348. 
 
 («■) Whittle V. Skinner, 23 Vt. 231 ; Grecly v. Dow, 2 Met. 176. In this lust case
 
 CH VII.] WHERE A PARTY SIGNS AS SURETY. 241 
 
 sufficient consideration. (j) The receipt of interest in advance, 
 after maturity, has however been held to be a sufficient consider- 
 ation ; (k) and it has also been held to be prima facie evidence of 
 a valid agreement. (/) If the creditor, when he gives time to the 
 principal, expressly reserves his remedy against the surety, the 
 surety is not discharged. (w) So if the surety holds full indem- 
 nity from tlie principal, it has been held that he cannot avail 
 himself, by way of defence, of the fact that time has been given 
 to the principal. (/i) It seems to be otherwise, however, if the 
 indemnity is from a co-surety, who is iiOt a party to the note.(o) 
 
 Shaw, C. J. stated the general rule thus : " If the holder of the note has contracted to 
 enlarge the time, he is bound by it ; whether it is treated as a collateral undertaking 
 upon which the legal remedy is to be sought at law, as in Dow v. Tuttle, 4 Mass. 414 ; 
 or whetlier the remedy of the promisor is in equity for a specific performance ; or 
 whether the contract for an enlargement of the time of payment contains the stipulation 
 that, if violated, it siiall enure by way of release ; it makes no difference to the surety. 
 The holder of the note has a perfect right to enter into stipulations with the promisor 
 in regard to the time and the mode of payment Such stipulation, as between them, 
 is a valid and biudmg contract for further time, bearing directly on the contract, which 
 he had no right to say he did not intend to fulfil, and therefore the surety may avail 
 himself of it as a substantive alteration of the contract, and insist on his discharge." 
 See Thomas v. Dow, 33 Maine, 390 
 
 (j) Mason v. Peters, 4 Vt. 101 ; Wheeler v Washburn, 24 id. 293 ; Pabodie v. King, 
 12 Johns. 426. See Jenkins v. Clarkson, 7 Ohio, 72. 
 
 (k) N. H. Savings Bank v. Colcord, 15 N. H. 119 ; Chute v. Pattee, 37 Maine, 102 
 See Blake v. White, 1 Younge & C. Exch. 420 ; Dubuisson v. Folkes, 30 Missis. 432. 
 Contra, see Harter v Moore, 5 Blackf 367 ; Shook v. State, 6 Ind. 113 ; Reynolds v. 
 Ward, .5 Wend. 501. 
 
 (/) Crosby v. Wyatt, 10 N. H. 318 ; N. II. Siivings Bank v. Ela, 11 N. H. .335 ; Mer- 
 rimack Co. Bank v. Brown, 12 N. H. 320. Contra, Oxford Bank v. Lewis, 8 Pick. 458 ; 
 Blackstone Bank v. Hill, 10 Pick. 129 ; Freeman's Bank v. Rollins, 13 Maine, 202; 
 Mariner's Bank v. Abbott, 28 Maine, 280. See Harnsbarger v. Kinney, 13 Grat. 511 ; 
 Crosby v. Wyatt, 23 Maine, 156. An agreement to receive payment in yearly instal. 
 ments, on a note payable on demand, discharges the surety. Gifford v. Allen, 3 Met 
 255. Taking tlie check of the principal, payable at a future day, discharges the surety 
 on a bond. Bangs v. Mosher, 23 Barb. 478. For analogous cases, see Hulme v. 
 Coles, 2 Sim. 12; Price v. Edmunds, 10 B. & C. 578; Clippinger v. Creps, 2 Watts, 
 245 ; Okie v. 'Spencer, 2 Whart. 253 ; Michigan Bank v. Leavenworth, 28 Vt. 208 ■ 
 Hart V. Hudson, 6 Duer, 294. 
 
 (m) Viele v Hoag, 24 Vt. 46 ; Blackstone Bank v. Hill, 10 Pick. 129. See Wyke 
 V. Rogers, 1 De G. M. & G. 408 ; Ex parte Harvey, 4 id. 881 ; Nichols v. Norris, 3 B. 
 & Ad. 41 ; Kearsley ». Cole, 16 M. & W. 128; Owen v. Homan, 3 Mac. & G. 378, 
 4 H. L. Cas. 997 ; Ex parte Glendinning, Buck, 517; Ex parte Carstairs, id. 560 ; Wag- 
 man V. Hoag, 14 Barb. 232; Sohier v. Loring, 6 Cush. 537. Contra in Louisiana. 
 See Oustine v. Union Bank, 10 Rob La. 412. 
 
 (n) Chilton v. Bobbins, 4 Ala. 223 ; Smith v. Steele, 25 Vt. 427. See Bradford »- 
 Hubbard, 8 Pick. 155 ; Moore v. Paine, 12 Wend. 123. 
 
 (o) Wilson V. Wheeler, 29 Vt. 484. 
 
 Vox,. I.— Q
 
 242 NOTES AND BILLS. [CH. VH. 
 
 If a surety, who has been discharged by giving time to the prin- 
 cipal, afterwards, with knowledge of the facts, and for a new con- 
 sideration, acknowledge that the original debt is due from him, 
 and agrees to be liable in a stipulation for further delay, he is 
 bound by this agreement, and possibly so, even if he were igno- 
 rant of the fact of his discharge, there being no fraud in the 
 transaction. (;?) And perhaps he may renew his liability I)y a new 
 promise, without any further consideration, on the ground that 
 his right to be discharged is a personal privilege, which he may 
 waive if he chooses. (^) A surrender, by the holder of a note, 
 of collateral security received from the principal, will discharge 
 the surety, either entirely, or pro ianto, if made without the 
 assent of the surety. For if the surety pays the note, he is en- 
 titled to the benefit of such security, by subrogation, (r) So, as 
 a general rule, any fraudulent or deceitful conduct on the part 
 of the creditor, which lulls the surety into a groundless confi- 
 dence, and prevents him from obtaining indemnity, will operate 
 as a discharge. (s) 
 
 (p) N. H. Savings Bank v. Colcord, 15 N H. 1 19. 
 
 (q) Parker, C. J., Fowler v. Brooks, 13 N. H. 420. Declarations by the surety to 
 third persons, that he " expected to pay the note," or that he " should be obliged to 
 pay " it. or " might have to pay " it, do not, of themselves, operate as a new promise. 
 The fact that the surety takes indemnity from the principal without any communication 
 with the creditor, is not a renewal of the promise. Fowler v. Brooks, supra. See 
 further, Mayhew v. Crickett, 2 Swanst. 185. 
 
 (r) Baker v. Bri-rgs, 8 Pick. 122. See Law v. East India Co., 4 Ves. 824; Com- 
 monwealth V. Vanderslice, 8 S. & R. 452; Lichtenthaler v. Thompson, 13 id. 157; 
 Evcrly v. Rice, 20 Penn. State, 297 ; American Bank v. Baker, 4 Met. 164 ; Hayes v. 
 Ward", 4 .Johns. Ch. 123 ; N. H. Savings Bank v. Colcord, 15 N. II. 119. But in Crane 
 t. Stickles, 15 Vt. 252, Ililihanl, J. said : "The payee of the note may give up such 
 Fecurity as he may have obtained at his own suggestion, without any assistance from 
 the surety, provided lie acts in good faith, and only with reference to his own interest." 
 Where the creditor, after judgment on the note against both principal and surety, relin- 
 qui>lied the [)roperty of the principal seized on execution, and b^vied on property of the 
 surety, there being no proof of damage to the surety by the relinquishment; it was held 
 that the creditor was not liable to the surety in trespass for the sale. Fuller v. Loring, 
 42 Maine, 481, Tcnney, J. dissenting. Where the creditor, after judgment against the 
 principal alone, abandoned property seized on execution, it was held that evidence of 
 these facts was admissible to discharge the surety for the amount so abandoned. 
 Springer v. Toothaker, 43 Maine, 381. Sec Edgerly v. Emerson, 3 Foster, 555. In 
 Mayhew v. Crickett, 2 Swanst. 185. 1 Wils. Ch. 418, Lord Eldon said : " I always under- 
 stood, that if a creditor takes out execution against the princijml debtor, and waives it, 
 he disehargcH the surety, on an obvious principle which prevails both in courtii yf \>\\v 
 and in courts of equity." 
 
 (h) Bilker v. Briggs, 8 Pick. 122; Harris v. Brooks, 21 id. 195; Clark v Hill,
 
 CH. Vn.] WHERE A PARTY SIGNS AS SURETY. 2-43 
 
 A surety who pays a note which is due and demandablc from 
 the principal promisor, althougli lie pays it without suit, or com 
 pulsion, or even demand from the holder, has an immediate 
 claim upon the principal debtor for indemnity. (^) And it seems 
 to be quite immaterial in what way the surety extinguishes the 
 creditor's claim. («) If tlie joint and several note of co-sureties 
 is accepted by the creditor as payment of the original note, they 
 may recover of the principal in a joint action, such a case being 
 an exception to the general rule, that each must sue for the 
 amount paid by him. The exception is placed upon the ground 
 that the payment was a joint act, creating a joint interest, (v) 
 
 As to the costs which a surety may recover, it seems that he 
 may recover costs of his principal, after a suit against the surety 
 by the \\older,{w) unless his defence were frivolous, unnecessary, 
 or against the reasonable and honest instructions of his princi- 
 pal. (.2;) This right of the surety to indemnity, springing from 
 
 cited in McCollum v. Hinckley, 9 Vt. 143, 147. See Mactaggart r. Watson, 3 Clark 
 & F. 525. 
 
 (0 Mims V. McDowell, 4 Ga 182. See Odlin v. Greenleaf, 3 N. H. 270; Pitt v. 
 Purssord, 8 M. & W. .538. 
 
 (u) Hulett n. SouUard, 26 Vt. 295; Bonney v. Seely, 2 Wend. 481. He may 
 recover on a count for money had and received, although he paid in notes, if they 
 were received as payment. Willie v. Green, 2 N. H. 333. Or on a count for money 
 laid out and expended. Pearson v. Parker, 3 N. H. 366. See Hommell v. Gamewell, 
 
 5 Blackf. 5. Where the administrator of the principal had successfully defended a suit 
 on the note against him, and the holder afterwards obtained a judgment by default 
 against the surety in the same court; it not appearing that cither party knew of the 
 other suit, or that the surety was privy to the administrator's defence ; it was held, that 
 the surety was not precluded from his right to indemnity from the estate of the prin- 
 cipal. Stinson i'. Brennan, Cheves, 15. Where the administratrix of a surety, having 
 been sued by the holder of the note while it was still valid against the principal, but 
 after the claim against the surety's estate was barred by the statute of limitations, paid 
 the claim under an award ; it was held that she could maintain a claim for indemnity. 
 Shaw V. Loud, 12 Mass.- 447. Where the surety, after the discharge in insolvency of 
 the principal, being then first called on, paid the note and sued the prin- 
 cipal, he was allowed to recover. Powell i> Eason, 1 Moore & S. 68. 
 
 (v) Stewart v. Vaughan, Rice, 33. See Pearson v. Parker, 3 N. H. 366 ; Appleton 
 V. Bascom, 3 Met. 169. 
 
 (w) See Cleveland v. Covington, 3 Strob. 184; Rice v. Rice, 14 B. Mon. 417: 
 Riddle v. Bowman, 7 Foster, 236. 
 
 (r) beckley v. Munson, 22 Conn. 299 ; Cleveland v. Covington, supra. See Roach 
 ». Thompson, 4 Car. & P. 1 94. The surety may recover costs incurred in an action 
 r.gainst the principal and surety jointly. Apgar v. Hiler, 4 N. J. 812. It seems 
 that he may recover interest on the amount paid. See Petre v. Duncombe, 1 Eng. L. 
 
 6 Eq. 320; Ilsley v. Jewett, 2 Met. 168. But, in general, he can recover only the
 
 •24-1: NOTES AND BILLS. [CIT. VII. 
 
 the equitable obligation of the principal to repay the surety, ex- 
 ists wherever the principal's assent to the suretyship may be rea- 
 sonably inferred, or presumed, and only there ; {y) and then it 
 relates back to the time of the original contract of suretyship, as 
 against all subsequent equities. (z) 
 
 A surety has, however, no claim against the principal upon 
 which he can bring an action, until the note on which he is 
 surety is due. His contingent liability may, however, be a suf- 
 ficient consideration for a promissory note from the principal, 
 upon which he may commence a suit, even before the original 
 note is due. (a) As a general rule, whatever discharges the prin- 
 cipal discharges the surety. (/>) But wliere one had signed a joint 
 and several note with a married woman, as surety, it was held 
 that her successful plea of coverture was no defence to the 
 surety. (c) Nor will this rule apply to the many cases in which 
 a surety is required, for the very reason that the principal may 
 have a defence which will defeat the claim against him. As in 
 the instance just mentioned, where a wife's note is strengthened 
 by a surety, so an infant's note may have a surety who will be 
 held, although the infant make successfully the defence of in- 
 fancy, (i/) And we should say that, if a corporation made a note 
 which they had no legal power to make, sureties on that note 
 would be held. And this might be true, even if the corporation 
 were prohibited by their charter, or by some general statute, from 
 issuing such a note. If, however, the issuing of the note were 
 not only prohibited, but made a legal offence, with a penalty 
 
 amount paid. Bonncy v. Secly, 2 Wend. 481. Where one of the principals died, 
 it was held that the surety could recover the amount paid of the survivor, deducting' 
 the proceeds of whatever collateral security he mij;iit have received. Riddle v. Bow 
 man. 7 Fi»ster, 2.3(3. 
 
 (//) Towers V. Nash, "$7 Maine, .322 ; Norton v. Coons, 3 Denio, 130. 
 
 (j) liarney v Grovcr, 2S Vt. 391 iSec Howe ». Ward, 4 Greenl 19j; Thompson 
 i;. 'Ihoinpson, \'i Maine, 244; Carlisle v liich, 8 N. IL 44; Chotcau v. Jones, 
 II III. .S()(). 
 
 {it) Sec Swift V. Crocker, 21 Pick. 241 ; Dedman v. Williams, 1 Scam. 1.54. It 
 has been said tliat a surety may have relief in e<piity as soon an he is endanf,'ered. 
 Taylor r. Ileriot, 4 Desaus. 227 ; McKenna o. (n'or^rc 2 Kicli Va\ l.'i. 
 
 (/)) 1 Parsons on CJont. 494 ; Tlieoliald <in Principal and Surety, 3. See Lewis v. 
 Jones, 4 B. & C. hm, .'jl.'). note a. 
 
 (<;) Sniyley v. Head, 2 Hidi. r)90. See also Mafif^s v. Ames, 4 Bin;;. 470, and Con- 
 ncrut V. (ioldsmith, 6 Ga. 14. 
 
 (rf) Conn V. Col.iirn, 7 N. IL 308 See Kimball v. Newell, 7 Hill, 116
 
 CH. Vn.] WHERE A PARTY SIGNS AS SURETY. 245 
 
 attached, the whole paper, with all its names, might then be 
 deemed void. The mere fact that the surety cannot, in any such 
 case, if he pays the note, have an enforceable claim for what he 
 pays against the principal, defeats the holder's claim against the 
 surety. . 
 
 Payment of the whole amount will of course discharge the 
 surety ; but payment of a part, whether by principal or by surety, 
 will not discharge the surety. For the surety is bound equally 
 with the principal for the payment of the whole ; and as payment 
 of a part will not discharge the principal, so it will not discharge 
 the surety. (e) Nor will an offer of time which is not accepted. (/) 
 Nor will the taking of a collateral security by the creditor from 
 the principal debtor ; for this can only help the surety, who is 
 entitled, on his payment, to the benefit of all such security. (5^) 
 
 (e) See Fitch v. Sutton, 5 East, 230 ; Beaumont v. Greathead, 2 C. B. 494 ; Cotton 
 p. Godwin, 7 M. & W. 147 ; Hesketh v. Fawcett, II id. 356 ; Shaw, C. J., Lincoln v. 
 Bassctt, 23 Pick. 1.54; Smith v. Bartholomew, 1 Met. 276 ; Wheeler ». Wheeler, 11 
 Vt. 60 ; Bailey v. Day, 26 Maine, 88 ; McAlIester v. Sprague, 34 id. 296. Payment 
 of a part, by a third party, discharges the debtor. Welhy v. Drake, 1 Car. & P. .5.57 ; 
 Brooks V. White, 2 Met. 283. If the holder has commenced a suit against the prin- 
 cipal, and the surety tenders the amount due, he must also tender indemnity against 
 costs. Hampshire Bank v. Billings, 17 Pick. 87. Part payment before the debt is due 
 is a good consideration. Wells, J., Lee v. Oppenheimer, 32 Maine, 253 ; Brooks v. 
 White, 2 Met. 283. 
 
 (/) See Hewet v. Goodrick, 2 Car. & P. 468 ; Badnall v. Samuel, 3 Price, 521 ; 
 supra, p. 239, note x. 
 
 (g) Twopenny v. Young, 3 B. & C. 208. See Burke v. Cruger, 8 Texas, 66, 1 1 id. 
 694 ; U. S. V. Hodge, 6 How. 279 ; Stevenson v. Austin, 3 Met. 474 ; Norton v. Soule, 
 2 Greenl. 341 ; Wade v. Staunton, 5 How. Miss. 631 ; Pring v. Clarkson, 1 B. & C. 
 14. Where a party holds two notes against another, one of which is signed by a surety, 
 recovery of the full amount of the other note will not affect his claim on the surety. 
 Dalton V. Woburn, 24 Pick. 257. In this last case it was held, that if tlie creditor re- 
 covers judgment on several notes, and the surety on one pays the note in full, and after- 
 wards the creditor receives from the principal tlie whole amount of the judgment on all 
 the notes, the surety cannot recover back any portion of the money paid by him. In 
 Lincoln v. Bassett, 23 Pick. 154, the principal made an assignment to the creditor, for 
 the benefit of all his creditors. The creditor received a dividend during the pendency 
 of a suit by him against a surety. It was held that the suit was not barred by the re- 
 ceipt of the dividend, but that the dividend was to be deducted in estimating the dam- 
 ages. Shaw, C.J. said: "The giving of an assignment or other collateral security 
 by the principal is no bar to an action against the surety, unless there be some stipu- 
 lation to that effect on the part of the creditor. Years may elapse after such an as- 
 signment before any money will be realized from the assigned property ; in the mean 
 time the obligation is to pay money immediately. Were the surety thus to pay, it 
 might well be held in equity that the creditor should stand as trustee for him for the 
 assigned property. The most favorable view to be taken for the defendant is, *.hat, the 
 21*
 
 246 NOTES AND BILLS. [CH. VIL 
 
 But one surety, on payment of the debt, cannot claim the bene- 
 fit of security given by a co-surety. (A) And if a note be given 
 for the old one, even this may be deemed, if so intended, only as 
 collateral security, (i) 
 
 If a surety pays money to the creditor under a mistake of 
 facts, supposing them such as would make him liable, when in 
 truth they are not, he may recover the money back from the 
 creditor. (7) But if he had knowledge of the facts, and his mis- 
 take is one of law, he has no such right. (A:) The declaration of 
 a surety on a joint note, the principal being insolvent, that he 
 intended to pay the amount, and wished to know how much 
 interest was due, in reply *o a proposal by the holder that he 
 should sign a new joint and several note for the amount, does not 
 change the liability of the surety from joint to several, either at 
 law or in equity. (/) It has been held that a judgment against 
 principal and surety merges the relations of the parties, so that 
 a defence growing out of the relations existing before the judg- 
 ment is not available at law afterwards. (m) But such a defence 
 is admitted in equity. (m) It has however been said, that what- 
 ever would be a defence to the surety in equity, is a defence in 
 law.(o) A surety, whether this word be attached to his name or 
 not, is bound to any holder in like manner as a principal prom- 
 isor is held. Thus, if a note be signed A and B, and against 
 B's name is the word surety, B may be sued jointly with A, or 
 alone if the note be joint and several, in the same way as if the 
 word surety was not there. 
 
 creditor bcin}^ himself the assignee, when the assigned property is reduced to money, 
 it oj)erate.s by way of payment pro tanto." 
 
 (//) Bowflitch V. Green, 3 Met. 360. 
 
 {/•) Sec (^atifield v. Ives, 18 Pick. 253. 
 
 ( /) Garland v Snlem Bank, 9 Mass. 408. 
 
 (ic) Bean v. Jones, 8 N. H. 149 ; Stevens v. Lynch, 12 East, 38. 
 
 (/) Jones V. Biacli, 2 l^eG. M. & G. 886. 
 
 (»/) Marshall v. Aiken, '!:> Vt. 328 ; Ilerrick v. Orange Co. Bank, 27 id. .584. Qntra, 
 Carpenter v. King, 9 Met. .511 ; Gihsou, C. J., Commonwealth v. Vanderslice, 8 S. 
 & R. 452 ; Rice v. Morton, 19 Misso. 263. 
 
 (n) Sci! Siorms r. Thorn, 3 Barb. 314 ; Curan v. Colbert, 3 Ga. 239. 
 
 (o) Manner's Bank v. Abbott, 28 Maine, 280 ; Springer v. Tootliaker, 43 id. 381 j 
 Varnum v. Milford, 2 McLean, 74. See Rees v. Berrington, 2 Vcs. Jr. 540; Sam- 
 ucll V. Ilowarth, 3 Meriv. 272; People v. Jansen, 7 Johns. 332; Baker v. Briggs. « 
 Pick. 122.
 
 CII. VII.] JOINT MAKERS, ETC. 247 
 
 SECTION III. 
 
 OF JOINT MAKERS, AND OF JOINT AND SEVERAL MAKERS. 
 
 Two or more persons may sign a note jointly, as all copart- 
 ners do, and if it begin " We promise," all who sign it are con- 
 sidered as signing it only jointly, (p) It is then a joint note, and 
 can be sued only against all ; and they are in general joint 
 debtors, and come under the common rule of law in relation to 
 joint debtors. And it has been held that the note is joint, al- 
 though one of the makers signs as principal, and the other as 
 surety, (g) The most important of these rules of law which 
 relate to joint debtors arises from the necessity of suing all.(r) 
 Hence, if the plaintiff has released one of the joint debtors, he 
 can maintain no action against the other. (5) And the reason 
 
 (p) Mayor v. Ripley, 5 La. 120. See Palmer v. Stephens, 1 Denio, 471 ; Yorks v 
 Peck, 14 Barb. 644 ; Shep. Touch. 375. 
 
 (q) Hunt V. Adams, 5 Mass. 3.5S, 6 id .519, 7 id. 518 ; Palmer v. Grant, 4 Conn. 
 389 ; Rawstone v. Parr, 3 Russ. 539, reversing same case, id. 424. A note beginning 
 ' I promise," signed by one partner for his co-partners, as " A, for A, B, & C," is the 
 joint note of the firm, not the several note of A, the partner who signed. Ex parte 
 Buckley, 14 M. & W. 469, overruling Hall v. Smith, 1 B. & C. 407 ; In the matter 
 of CUai-ke, 1 De Gex, 153; Galway v. Matthew, 1 Camp. 403; Doty v. Bates, 11 
 Johns. 544. See supra. 
 
 (r) Mayor v. Ripley, 5 La. 120 ; Bright v. Hand, 1 Harrison, 273. SeQ Robertson v. 
 Smith, 18 Johns. 459. In Bovill v. Wood, 2 Maule & S. 23, the plaintiff omitted to 
 join one of the promisors who had obtained his discharge in insolvency. Lord Ellen- 
 boroitgh said : " The defendants have a right to require that their co-debtor should be 
 joined with them, and the plaintiffs cannot so shape their case as to strip them of that 
 right, or of the benefit, whatever that may be, of having his discharge stated on the 
 record. The plaintiffs are not at liberty to anticipate in the first instance what may ulti- 
 mately, perhaps, be a discharge. The practice has ever been to join all the contracting 
 parties to the record ; and there is this advantage attending the practice, that it gives 
 the party wtio is joined notice at the time, and also enables him at any future time to 
 plead judgment recovered on the joint debt, without the help of any averment ; and it 
 likewise advances the other defendants one step in the proof necessary in an action by 
 them for contribution." See Hawkins v. Ramsbottom, 6 Taunt. 179. 
 
 (s) Tuckerman v. Newhall, 17 Mass. 581. In this case the plaintiffs covenanted with 
 one promisor that they "will forever release," &c., it was held that this must operate as 
 a present release, and the co-promisor was discharged. See also Brooks v. Stuart, 9 
 A. & E 854, 1 Per. & D. 615 ; Cheetham v. Ward, 1 B. & P. 630 ; Myrick v Dame, 9 
 Cush. 248 ; Wiggin v. Tudor, 23 Pick. 434 ; Kirby v. Taylor, 6 Johns. Ch. 242 ; De 
 Zeng V. Bailey, 9 Wend. 336 ; Taylor v. Gallaud, 3 Iowa, 17 ; Yates v. Donaldson, 5 
 Md 389 ; Bozeman v. State Bank, 2 Eng. 328 ; U. S. v. Thompson, Gilpin, 614. 
 The rule is the same at equity as in law. Willings v. Conscqua, Pet. C. C. 301.
 
 •148 NOTES AND BILLS. [CH. VU. 
 
 of this rule is said to be, that the release is an admission that 
 the debt is paid.(^) According to the weight of authority, only 
 a technical release under seal will have this effect, a parol 
 release being insufficient. (^i) We should say, however, that a 
 parol release made on good and sufficient consideration should 
 have an equal effect. In the cases which deny to a parol release 
 this efficiency, there is seldom any valid consideration. The 
 reasons for the distinctions taken on this subject are not always 
 quite satisfactory. (u) 
 
 (0 Shaw, C. J., Pond v. Williams, 1 Gray, 630 ; Savage, C. J., Catskill Bank v. 
 Messenger, 9 Cowen, 37 ; see McAllester v. Sprague, 34 Maine, 296 ; Crane v. Ailing, 
 3 Green, N. J. 423 ; Brown v. Marsh, 7 Vt. 320. 
 
 (u) Pond V. Williams, 1 Gray, 630; Shaw v. Pratt, 22 Pick. 305 ; Frink v. Green, 5 
 Barb. 455 ; Rowley v. Stoddard, 7 Johns. 207 ; Pinney v. Bugbee, 13 Vt. 623 ; Harvey 
 V. Sweasy, 4 Humph 449. 
 
 (r) In Tryon v. Hart, 2 Conn. 120, the defendants pleaded a release to one of them 
 not under seal. The plea was held bad on other grounds, but the distinction between 
 one under seal and one without does not appear to have been noticed. See Camp- 
 bell V. Brown, 20 Ga. 415. In Benjamin v. McConnell, 4 Gilman, 536, it was held 
 that a release not under seal, but entered of record and made part of a decree in chan- 
 cery, was sufficient. Purple, J. said : " But it is objected that this release or contract is 
 not under seal, and therefore is ineffectual to bar the action as against Benjamin. Oor 
 answer to this is found in the authorities above quoted ; that ' if it is a release as to 
 one, it is equally so as to all.' Another is, that it is evidenced by an act which, in legal 
 contemplation, is of higher authority than any instrument under seal, a decree of a 
 court of record, the validity of which cannot be assailed, nor its verity questioned. 
 And thirdly, .where a consideration is expressed in a release, or otherwise proved to 
 have passed between the parties, it is, in the opinion of the court, totally immaterial 
 whether the instrument is sealed or otherwise. A seal but imports or furnishes evi- 
 dence of consideration ; and, except in cases where the release is designed to effect a 
 conveyance or transfer of real estate, or some interest in or concerning it which can 
 only pass by deed, may, without infringing any rule of law, be dispensed with." In 
 Nicholson v. Revill, 4 A. & E. 675, 6 Nev. & M. 192, it was held that the discharge of 
 one of two joint and several makers, by an agreement to that effect for a consideration, 
 and by erasing his name from the note, discharged the other also. Lord Denmaii, C. J. 
 said : " But we do not proceed on some of the grounds mentioned at the bar, such as 
 the effect of the plaintiff's alteration of the instrument as making it void, or that the 
 defendant thereby lost his right to contribution from the joint makers of the note ; nor 
 on any doctrine as to the relation of principal and surety. Wc give our judgment 
 merely on the principh; laid down by Lord Chief Justice Ei/re, in Clieetham v. Ward, 
 1 B. &, V. 630, us sanctioned by unqiicstionabh! authority, that the debtee's discharge of 
 one joint and scrvcral debtor is a discharge of all. For we think it dear that the new 
 agreeinr'rit made l>y the ])luiiitiff with H(!vill, to receive from him .£ 100 in full |)ayment 
 of one f)f the tlir(;e notes, and in jiart j)ayment of the other two before they became due, 
 accompanied with the crasun! of liis nam(? from th(!se two notes, and followed by the 
 arfiinl receipt of the £ 100, was, in law, a discharge of Revill." Indc[)en(lciill v of the 
 Btre.«H laid upon the erasure of the name, this ciusc is an authority for the suffi ;i(xiey of
 
 CH. Vn.] JOINT MAKERS, ETC. 249 
 
 A judgment against one joint promisor is a bar to an action 
 against both.(t^) But a discharge in insolvency of one joini 
 maker has been held to be no defence to the other. (a;) And 
 it may be stated as a settled principle, that a discharge of 
 one joint promisor by operation of law, without the co-operation 
 or assent of the creditor, will not discharge hoth.{i/) And it 
 is now quite well established, at least as a general rule, that 
 a debtor may release one of two joint debtors, and, by an ex- 
 press reservation of his rights against the other, preserve them. 
 And if an action be brought against both, and this release to one 
 be pleaded, a replication that this action is brought against both 
 only to recover of the other has been held good. (2) 
 
 Although the word 7'elease is used, and a seal affixed, if the 
 whole instrument is capable of a construction which would make 
 it only an engagement not to charge that party, and tlie nature 
 of that contract or any admissible evidence leads to this construc- 
 tion, it will be so construed, because this saves the action. (a) For 
 as a plaintiff may agree not to demand the money of one of 
 two joint debtors, but reserve the right of action ; so, if he only 
 agrees not to demand the money, he will be held as intending 
 
 a parol release. In Milliken v. Brown, 1 Rawle, 391, it was held that a parol release 
 of one debtor from a judgment against three, discharged all. Tod, J. dissenting. 
 
 (10) Ward V. Johnson, 13 Mass. 148 ; Robertson v. Smith, 18 Johns. 459 ; King v. 
 Hoare, 13 M. & W. 494. The contrary was held in Sheehy v. Mandeville, 6 Cranch, 
 253, but this case appears to have been governed by a local practice in Virginia. See 
 Tucker, J., Moss v. Moss, 4 Hen. & M 303. In Massachusetts an action is now al- 
 lowed in such a case by statute against such of the joint contractors as were not served 
 with process in the first suit. Gen. Stats. Mass., c. 126, § 15. 
 
 {x) Tooker v. Bennett, 3 Caines, 4. This is so declared by statute in Massachusetts 
 (Stat. 1838, c. 163, § 7) ; Carnegie v. Morrison, 2 Met. 381 ; and in England, 3 & 4 
 VVm. IV., c. 42, § 9. 
 
 (y) Hartness v. Thompson, 5 Johns. 160 ; Robertson v. Smith, 18 Johns. 459 ; Deni- 
 son, J., Noke V. Ingham, 1 Wilson, 89 ; 1 Wms. Saund. 207 a, note ; Wilde, J., Ward 
 V. Joiinson, 13 Mass. 148. See Tuttle v. Cooper, 10 Pick. 281. In Cocks v. Nash, 4 
 Moore & S 162, a joint and several note of two had been given as security for the 
 separate debts of the promisors, one of whom the plaintiff had released. The creditor 
 declared on the note, and also on an account stated. A verdict was directed for the 
 defendant in the count on the note, and for the plaintiff in the count on the account 
 stated, for the amount of the separate debt of the defendant. 
 
 (s) Twopenny v. Young, 3 B. & C. 211, 5 D. & R. 261 ; Lancaster v. Harrison, 4 
 Moore & P. 561, 6 Bing. 726 ; Solly v. Forbes, 2 Brod. & B. 38 ; North v. Wakefield, 
 13 Q. B. 536. 
 
 (a) Solly V. Forbes, 2 Brod. & B. 38 ; Couch v. Mills, 21 Wend. 424. See Dean v. 
 Newnall, 8 T. R. 168.
 
 250 NOTES AND BILLS. [CH. VH. 
 
 to reuerve this right of action. And it is said to be immaterial 
 whether this agreement not to sue is for a limited time, or never 
 to sue. (6) A covenant under seal not to sue a party is not a 
 release, but is construed so as to the covenantee to save circuity 
 of action, because if judgment were rendered against him in the 
 suit, and he satisfied it, he would have his action on the cove- 
 nant, (c) The mere taking of security from one joint debtor, 
 without otherwise giving up any rights against him, does not dis- 
 charge the others. (fi?) Part payment by one joint debtor does not 
 discharge all, if the holder does not extinguish the contract. (e) 
 But it is not so construed as to the other joint debtor, who may 
 still be sued in an action brought against both.(/) 
 
 The reason of the rule that a discharge of one is a discharge of 
 all, is not merely technical. One of two who owe a sum jointly 
 owes in fact but half of it, because, if he is made to pay the whole 
 of it, he may recover half from the other by way of contribu- 
 tion ; (g-) but the right of contribution exists only where one pays 
 more than his share of a sum which others were bound and com- 
 pellable to pay with him, and it is therefore lost when the obliga- 
 tion is taken away from the others. The subject of contribution 
 is considered hereafter, (/i) 
 
 At common law the death of one of two or more joint debtors 
 destroyed his obligation, so that the creditor could not proceed 
 against the representatives of the deceased. And if he recovered 
 the whole from the surviving debtor, or from the representatives 
 of the survivor, as he might, this debtor or his representatives 
 
 (6) See Piniiey v. Bugbee, 13 Vt. 623. The agreement may be by parol, as in 
 Pinney v. Bughcc, supra ; Harrison v. Close, 2 Johns. 448 ; or by deed, as in Dureil 
 r. Wendell, 8 N. IL 369 ; Kirby v. Taylor, 6 Johns. Ch. 242 ; Shotwell v. Miller, 
 Coxe, 81 ; Walmesley v. Cooper, 11 A. & E. 216. 
 
 (c) Diirell r. Wendell, 8 N. H. 369; Garnctt v. Macon, 2 Brock. 185; Walmesley 
 r. Coojicr, 11 A. & E. 216. 
 
 {(l) Bi.'dford V. Deakin, 2 B. & Aid. 210; Peifect v. Musgrave, 6 Price, 111. See 
 also aiitf. p 135, note q. 
 
 (e) Huggics ». Patten, 8 Mass. 480. Sec Hartness v. Tliompson, 5 Johns. 160, where 
 to a suit on a joint and several n<jte one of the defendants pleaded infancy. A verdict 
 rendered in his favor and against the others was sustained. 
 
 (/) Ilutton V. Eyre, 6 Taunt. 289; Garnett v. Macon, 2 Brock. 185; Dureil v. 
 Wend.!!, 8 N. H. 369. 
 
 ((/) Boardinan v. Paige, II N. H. 431 ; Owens v. Collinson, 3 Gil! & J. 25; Bumell 
 V. Minot, 4 J. B. Moore, 340 ; Prior v. Ilcmbrow, 8 M. & W. 873. See H'lrris r. 
 Brooks, 21 Pick. 195. 
 
 (/i) fnfrn, c 26, § 7.
 
 CH. VII.] JOINT MAKERS, ETC. 251 
 
 could not claim any contribntion from the representatives of 
 the debtor dying first. This rule has been changed by statute 
 in nearly, if not quite, all our States. The debt falls upon the 
 representatives. They cannot be made joint defendants with the 
 surviving debtor, or with his representatives ; but actions may be 
 brought against both, and if either pays more than his or their 
 due share, contribution may be demanded from the other. In 
 some States the common law has been changed still further by 
 statute, and joint contracts are made several as well as joint. (i) 
 A note may be both joint and several. It is so if the 
 words are, " We jointly and severally promise," &c., or if other 
 words are used which indicate, and perhaps if they permit, such 
 a construction. (y) Thus, if the words are, "I promise to pay," 
 and there are many promisors, it is the several promise of each, 
 and the joint promise of all ;(A;) but if the holder sue all jointly 
 and obtain a judgment against them, he cannot afterward sever his 
 remedy and have a separate action against either.(M) If the note 
 .were expressly written, "We severally and not jointly promise/' 
 &c., it would probably be held as several only ; but we have never 
 known such a case.(/) If a note be joint and several, it is in fact 
 one more than as many notes as the number of the signers, being 
 the note of each one of them, and also the joint note of all.(??i) And 
 as many distinct actions may perhaps be brought upon the note; 
 
 (0 See Smith v. Clapp, 15 Pet. 125 ; Suydam v. Barber, 6 Duer, 34 ; Robertson v. 
 Smith, 18 Johns. 459. 
 
 (j) In Reese v. Abbot, Cowp. 832, the defendants had signed a note promising to 
 pay "jointly or severally." Lord Mansfield said : " If 'or' is to be understood in this 
 case as a disjunctive, who is to elect whether the note shall be joint or several 1 Cer- 
 tainly the person to whom it is payable. If so, the plaintiff has made his election. 
 But ' or ' is synonymous in this case with ' and.' They both promise that they, or one 
 of them, shall pay ; then both and each is liable in solido. The nature of the transac- 
 tion forces this construction." See Bishop v. Church, 2 Ves. Sen. 100, 371 ; Thomas 
 V. Fraser, 3 Ves. 399 ; Burn v. Burn, id. 573 ; Sayer v. Chaytor, 1 Lutw. 695 ; Carter 
 ». Carter, 2 Day, 442. The fact that one or more of the parties signs as " surety " 
 does not vary the case in this respect. Hunt v. Adams, 5 Mass. 358 ; Read v. Cutts, 
 7 Greenl. 186. Cases of irregular execution, as where a party, not a payee, signs upon 
 the back of the note, or out of the usual place, are considered in the Chapter on Guar- 
 anty. 
 
 (k) March v. WarJ, Peake, Cas. 130 ; Clerk v. Blackstock, Holt, 474 ; Hemmenway 
 V. Stone, 7 Mass. 58 ; Humphreys v. Guillow, 13 N. H. 385 ; Ladd v. Baker, 6 Foster, 
 76 ; Barnet v. Skinner, 2 Bailey, 88 ; Karck v. Avinger, Riley, 201 ; Groves v. Stephen- 
 son, 5 Blackf. 584. See Van Alstyne v. Van Slyck, 10 Barb. 383. 
 
 {kk) Lane v. Salter, 4 Rob, 289. 
 
 {I) See, however, Lord Eenyon^ Birkley v. Presgrave, 1 East, 220; Leigh, N. P. 
 664; Willard^ J,, De Ridder d. Schermerhora, 10 Barb. 638. 
 
 {in) Farke, B., King v. Hoare, 13 M. & \V. 505.
 
 252 NOTES AND BILLS. [CH. VH. 
 
 but it may be doubted whether a holder who has sued each prom- 
 isor as a several promisor would be permitted to sue all together 
 as joint promisors. («) It is certain that he could not join a part 
 only of the promisors, as defendants. (o) The rules of court and 
 of procedure would regulate this matter generally, and they 
 would probably provide in respect to costs, judgment, and execu- 
 tion, that injustice and oppression should not be permitted. 
 
 (n) See Key v. Hill, 2 B. & Aid. 598 ; Came v. Legh, 6 B. & C. 124 ; Lord Eldon, 
 Ch., Ex parte Brown, 1 Ves. & B. 60. 
 
 (o) Baagor Bank v. Treat, 6 Greenl. 207 ; Story, J., Miaor v. Mechanics' Bank, 1 
 Pet. 46
 
 CH. Vm.l RIGHTS AND DUTIES OF THE HOLDER. 253 
 
 CHAPTER VIII 
 
 OF THE HOLDER. 
 
 SECTION I. 
 
 OF THE RIGHTS AND DUTIES OF THE HOLDER. 
 
 By the holder of negotiable paper is meant, in law, the owner 
 of it ; for if it be in his possession without title or interest, he 
 is, in general, considered only as the agent of the owner. (/?) 
 
 His first and principal right is to demand payment of the note. 
 And the various methods of payment, and the effect of such pay- 
 ment, will be considered in the chapter on the Payment of a Note 
 or Bill. 
 
 The right of the owner to transfer his note or bill, by indorse- 
 ment, or by delivery without indorsement, and the manner of 
 sucli transfer, and its effect, will be considered in tlie succeeding 
 chapters on Indorsement, and on Transfer by Delivery. 
 
 His principal obligation is to make a proper presentment for 
 acceptance or for payment ; and this topic also will be con- 
 sidered hereafter. 
 
 The subject of this chapter is different from these. 
 
 It has already been stated, and variously illustrated, that prom- 
 issory negotiable paper differs essentially from all other contracts 
 or instruments in the protection which the holder may claim. 
 Thus, it has been shown in the chapter on Consideration, that 
 while the common law refuses to enforce any other contract 
 which does not rest either on a consideration or on a seal (which 
 implies consideration), it makes a distinct exception m reference 
 
 (p) Pcttee V. Prout, 3 Gray, 502, where a note was payable to a person named or 
 bearer, it was held that the production of the note at the trial by the plaintiff, he not 
 being the party named, was sufficient evidence of his title, although he was the general 
 agent of the payee who was alleged in the answer to be the owner of the note See 
 ■Iso hifrn, p. 255, note «. 
 
 VOL. I. 22
 
 254 NOTES AND BILLS. I CH. Yin. 
 
 to negotiable promissory paper, by tbe adoption of the principle 
 of the law merchant, which forbids inquiry into the consideration 
 which passed between any distant parties, hut permits it if the 
 owner demands payment from the party from whom he received 
 the paper. 
 
 The general exception to this is when tne paper, not being 
 accommodation paper, would be subject to tlie defence of want 
 or failure of consideration, if the action were brought by the 
 promisee against the promisor, and a distant party, deriving title 
 from the promisee, is cliargeable with having notice or knowledge 
 of this defence when he took the paper. For if so chargeable, the 
 fact that he paid value for the paper does not give him any claim. (g) 
 
 If a note be tainted by fraud, a party receiving it for value with- 
 out knowledge or notice holds it discharged of the defence, and one 
 who takes it from him by indorsement, even after maturity, ac- 
 quires his rights. (^g) 
 
 It is, however, quite certain that no person is entitled to this 
 privilege ; that is, is entitled to hold the paper without reference to 
 the original consideration, or to any equities of the defendant, un- 
 less he is a bona fide holder of the paper. And the principal pur- 
 pose of this chapter is, first, to ascertain who is a bona fide holder 
 of negotiable paper, for the purpose of this rule; and, secondly, 
 what peculiar rights such a holder possesses, or what rights he has, 
 although the party from whom he derives his title did not himself 
 po.ssess them. 
 
 SECTION II. 
 
 WHO IS A BONA FIDE HOLDER OF NEGOTIABLE PAPER. 
 
 The definition of such a holder may be, he who acquires the 
 paper, in good iiiith, without notice or knowledge of defences, or 
 of circumstances which should put him on inquiry, for valuable 
 consideration, from one capable of transferring the paper.(r) 
 
 Such a holder may have taken the paper in either of two ways; 
 
 iq) Bniik of TenncRseo v. Johnson, 1 Swan, 217. Tlins, in nn nction hy a partner 
 HH inilorsci; f>r a note nivcn tf) another partner, n]ion a sale hy siicli other partner to the 
 maker, of pnrtnerKhip property, the ]iliiinli(T stanils in no l)etter position to resist a 
 eiaini of t-et-off tlian tliejiayei; of tlie no.te himself wouUi, if tlie action liad heen hrouijjlit 
 in his mime. Otis v. AMams, 41 Maine, '258. See also cases in infra. 
 
 (fjfl) Wood^orth V. liimtoon, 40 III. i;)l. 
 
 (r) 'J'lie prole(ti<in whi<'li the law extemls to a houn Jldr I older is not limited to those 
 \v))o deal in netrotiid)le paper as a part of their re!i::nlar aial ordinary hnsiness, Init ex- 
 tentls to every person to wlioni snch ]ia))er may he lawfully transferred, and to every per- 
 son who hy the payment of value may accpiirc a title. Gould v, Scgcc, 5 Duer, 260, 269.
 
 CH. VIII.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 255 
 
 or, as it may be better expressed, at either of two periods of 
 time ; he may have taken the paper before its dishonor, or he 
 may have taken it after its dishonor. In many cases which treat 
 of this question, no one is considered a bona fide holder who did 
 not take the paper before dishonor. But while we shall see that 
 he who takes it after its dishonor stands upon very different 
 ground from him who takes it before dishonor, still he may take 
 it after dishonor in good faith, and thereby acquire valuable 
 rights. We shall therefore consider these two modes of obtain- 
 ing the property of the paper separately. 
 
 1. Of one who takes the paper before its dishonor. In the first 
 place, it is to be remarked, that there is o, prima facie presump- 
 tion of law in favor of every holder of negotiable paper, to the 
 extent, that he is the owner of it,(s) that he took it for value, (^) 
 and before dishonor,(M) and in the regular course of business. (i;) 
 But this presumption may be rebutted on either of these points. 
 And the burden of proof lies on the party who alleges, as his de- 
 fence against the claim of the holder of the paper, that there 
 was a fatal defect in the consideration, or in the time of trans- 
 fer, (t^) If a note not negotiable is sued upon by a person other 
 
 (s) Pettee v. Prout, 3 Gray, 502 ; Hunter v. Kibbe, 5 McLean, 279 ; Ellicott v Martin, 
 6 Md. 509 ; Warren v. Oilman, 15 Maine, 70 ; M'Gee v. Prouty, 9 Met. 547 ; Picquet r. 
 Curtis, 1 Sumner, 478. In an action by an indorsee against an acceptor, the fact that 
 the acceptance was for accommodation does not throw the onus on the plaintiff to show 
 that he jrave value for it. Ellicott v. Martin, supra. And if the person who brings the 
 action is an acceptor or first indorser, and there are .subsequent names on the instru- 
 ment, the law presumes that he has been obliged to pay it, and that he is rightfully in 
 possesjiion of the instrument. Page v. Lathrop, 20 Misso. 589 ; Hunter v. Kibbe, 5 
 McLean, 279 ; Dugan v. United States, 3 Wheat. 172. In Henry v. Scott, 3 Ind. 412, 
 it was held that, in a suit by the assignee of a note against the maker, the latter may 
 plead and prove that the plaintiff holds the notes merely as the trustee of the payee, in 
 order to let in as a set-off an indebtedness due from the latter to the defendant. 
 
 (t) Goodman v. Simonds, 20 How. 343; Kelly i'. Ford, 4 Iowa, 140. See also 
 cases mfra. 
 
 (m) Lewis V. Parker, 4 A. & E. 838 ; Low v. Bun-ows, 2 A. & E. 483 ; Masters v. 
 Barrets, 2 Car. & K. 715 ; Walker v. Davis, 33 Maine, 516 ; Burnham v. Wood, 8 N. H. 
 334; Burnham v. Webster, 19 Maine, 232; Ranger i;. Cary, 1 Met. 369, Cain v. 
 Spann, 1 McMullan, 258; Washburn v. Ramsdell, 17 Vt 299; Smith v. Clopton, 4 
 Texas, 109 ; McMahan v. Bremond, 16 Texas, 331 ; Dickerson v. Burke, 25 Ga. 225. 
 
 (y) Walker v. Davis, 33 Maine, 516. See also cases supra. 
 
 {w) Cook V. Helms, 5 Wise. 107. In Snyder v, Riley, 6 Barr, 164, Gibson, J., after 
 stating that the law presumed a note was indorsed before maturity, added : " But the 
 contran of indorsement, being without date and without witnesses, is so peculiarly sus- 
 ceptible of a fraudulent practice upon the drawer, by precluding perhaps a just defence 
 on original grounds, that the presumption of fairness primarily applicable to it is not
 
 256 NOTES AND BILLS. [CH. VHL 
 
 than the payee, the possession of the note in court at the trial by 
 the plaintiff is not prima facie evidence, as in the case of nego- 
 tiable paper, that the note was transferred to the plaintiff before 
 the commencement of the action, and before maturity. (a;) 
 
 If the defendant rest upon some want of consideration which 
 attaches to the holder, the questions of consideration, which we 
 have already considered, come in. And to what has been already 
 said, it may be added, that the cases sometimes seem to adopt, as 
 a test of the rights of the holder, the question whether he " took 
 the paper in the usual course of business." This phrase was used 
 for this purpose in a case before Lord Mansfield, (y) and many 
 judges have repeated it ; but it seems to be open to some objection. 
 As a compendious and convenient phrase, it may continue to be 
 used ; but it defines nothing ; and it would be better if the law 
 said more distinctly what are the employments of negotiable pa- 
 per which leave to it all its privileges, and what are those which 
 take them away. This phrase leaves all the real question be 
 hind ; for this is in each case, substantially, what is the mercan- 
 tile character of the transaction. The use of this phrase has 
 helped to keep open the question. Is the giving of accommoda- 
 tion paper, or the paying an old debt, or securing an old debt by 
 
 only of the slightest kind, but open to be I)lo^vn away by the slightest breath of suspi- 
 cion." In this case evidence was oflTered that the defendant had publicly repudiated the 
 note, which was not put in suit until after the lapse of three years from maturity; that 
 payment was not demanded at the place where the note was made payable ; that the plain- 
 tiff refused to permit the defendant to inspect his Iiooks ; and that it did not ajipear that 
 the note was protested, as is usual in such cases, or notice of dishonor given to charge 
 the itulorser. It was held that all or any of these circumstances, proved or conceded, 
 would b(! sufficient to cast the burden of proving the time and the consideration of the 
 transfer ujion the plaintiff. In Hill v. Kroft, 29 Penn. State, 186, the facts that no de 
 manil of payment was made ujjon the makers at maturity of the note, that it was not 
 protested for non-payment, and that suit was not brought for more than six months after 
 it was due, were sufficitmt to shift the burden of proof. In Ranger v. Gary, 1 Met. 369, 
 it was held that the burden was not discharged l)y proof that the note was transferred 
 and delivered to the ))hiinliff before dishonor, but was not indorsed until afterwards 
 But in Mi-('ready "• Cann, f) Ilarring. Del. 175, it was held that no inference of irreg- 
 ularity could arise from the omission to present the note or to protest it, that not being 
 necessary to cliargc the drawer. 
 
 (x) Barrick v. Austin, 21 Barb. 241. See also Birckback v. Wilkins, 22 Penn. 
 State, 26 
 
 (i/) Miller v. Race, 1 Burr. 4.57. Sec also Littcll v. Marshall, 1 Rob. La. 51 ; Evan? 
 V. Smith, 4 Binn. 366. In Billings ?-. Collins, 44 Maine, 271 , it was held that the assign- 
 ment of negotiable paper by o|)eration of a bankrupt or insolvent law was nor in ttic regu- 
 lar course <jf trade, and that the assignee could acquire only the rigiits of tin' iii^Dlvcnt
 
 CH. VIII.] BONA FffiE HOLDER OF NEGOTIABLE PAPER. 257 
 
 the assignment of negotiable paper, a transaction which the law 
 views as according to the usage of merchants ? There is cer- 
 tainly no unity of opinion on this point. Thus, the courts of New 
 York hold that giving paper to secure an old debt — and at one 
 time they lield, or were thought to hold, that paying an old debt 
 by assignment of negotiable paper — is not mercantile ; {z) while 
 the Supreme Court of the United States, Story, J. giving the 
 opinion, held, on better grounds we think, that these transactions 
 were mercantile. (a) That they are constantly occurring among 
 merchants, and that a considerable portion of the negotiable pa- 
 per made in business is used in this way, is certain. Nor do 
 we see that there is anything objectionable, or anything which 
 courts should seek to restrain or suppress, in this employment 
 of negotiable paper ; while, on the other hand, it conforms to the 
 fundamental principle of the law of negotiable paper, that it is 
 the representative of money, and may be used everywhere as its 
 substitute. And therefore we are disposed to believe that the 
 law of this country is tending towards the rule, that whether ne- 
 gotiable paper is sold, or discounted, or indorsed over to pay a 
 new debt, or for a new purchase, or to secure a new debt, or an 
 old debt, or to pay an old debt, it becomes in each case the prop- 
 erty of the holder, and carries with it all the privileges of nego- 
 tiable paper, unless there be something in the particular transac- 
 tion which is equivalent to fraud, actual or constructive. (&) 
 
 A person cannot acquire the rights of a bona fide holder of a 
 note by paying the amount thereof for the person from whom it 
 is due, without his request, express or implied. (c) 
 
 If there be fraud of any kind on the part of the holder, or on the 
 part of the transferrer with any privity or knowledge on the part 
 of the holder, he can, of course, found no right upon his fraud. 
 
 (z) See supra, p. 222. 
 
 (a) Swift V. Tyson, 16 Pet. I. 
 
 (b) See supra, pp. 218-228. 
 
 (c) Willis V. Hobson, 37 Maine, 403. An expressman received the money to pay 
 a note which was at a bank in Boston, which money he disposed of in another manner, 
 and on the last day of grace he called on the plaintiffs and requested them to pay the 
 note for him, as he was short of funds, which was assented to ; but from the lateness 
 of the request the payment could not be made that day, and to protect the teller for 
 delay of payment the firm name of the express company and the name of the plaintiffs 
 were indorsed on the note, and the next day it was paid by the plaintiffs. H<ld, that 
 they could not recover, on the ground stated in the text. 
 
 Vol. I.— R
 
 258 NOTES AND BILLS. [CH. VEl 
 
 So, if, without actual fraud, there is a want or failure of con- 
 sideration, which would operate as a defence if tlie transferrer 
 had sued, the transferee chargeable with notice or knowledge 
 thereof is open to the same defence, if it be not accommodation 
 paper. And this rule has been carried beyond the limits even 
 of constructive fraud. For it has been held that the holder of a 
 note had no claim against parties to it, if the note were open to 
 a defence while in the hands of his transferrer, and the nature 
 of the paper or the circumstances of the transaction by which he 
 became the holder showed that his ignorance of the defence arose 
 from a want of reasonable care and diligence. But the " good 
 faith " required of the holder certainly does not now require rea- 
 sonable care and diligence on his part to ascertain the right of the 
 transferrer to give him the paper. There was, however, a period, 
 though not a long one, when this requirement was a part of the 
 English law of negotiable paper. (6?) Then gross negligence was 
 adopted as the rule.(e) Afterwards gross negligence was held 
 merely to be evidence of mala fides, and not the thing itself. 
 And now, to use the emphatic words of Lord Denman; the last 
 remnant of that doctrine is shaken off".(/) It may now be said 
 to be the law in that country, (g) tliat the holder of negotiable 
 paper does not lose his rights by proof that he took the paper 
 negligently, nor unless fraud be shown. 
 
 The doctrine of Gill v. Cubitt has been followed in several 
 cases iu this country, (A) but on principle and on high authority 
 
 (d) In Gill V. Cubitt, 3 B & C. 466, the question was held to be, wheiher the plain- 
 tiff liiid taken the bill under circumstances which ought to hiive excited the suspicion 
 of a prudent and careful man. See also Down v. Ilallinfr, 4 B. & C. 330 ; Snow v. 
 Peacock, 2 C. & P. 215 ; Beckwith v. Corrall, 2 C. & P. 261 ; Strange v. Wigncy, 6 
 Ring. 677 ; Hatch v. Scarles, 2 Small & G. 147, 31 Eng. L. & Eq. 219 
 
 (e) Crook v. Jadis, 5 B. & Ad. 909 ; Backhouse v. Harrison, id. 1098. 
 
 (/) " Gross negligence may be evidence of mala Jhlcs, but it is not the same thing. 
 We have shaken off the last remnant of the contrary doctrine." Per Lord Denman, 
 C. J., in Goodman v. Harvey, 4 A. & E. 870, 6 Ncv. & M. 372. It is a question for 
 the jury whether the party taking the bill was guilty of bad faith. See Cunliffe t;. 
 Booth, 3 Bing. N. C. 821. See Crook v. Jadis, 5 B. & Ad. 909, per Pattrson, J. 
 
 ((/) Miller v. Race, 1 Burr. 4.^)2; Law.son v Weston, 4 Esp. ."iG ; Goodman v. Har- 
 vey, 6 Nev. & M. 372 ; Hajdiael v. Bank of England, 17 C B. 161. 33 Eng. L. & Eq. 
 276; Uthcrp. Rich. 10 A. & E. 784; Arbouin i). Anderson, 1 Q B 498 
 
 ill) Pringle v. Phillip.s .5 Sandf l.')7 ; Ilolbrook )'. Mix, 1 E. D. Smith, 1.54 ; Hall 
 V. Hale, 8 Conn. 336 ; Sandford v. Norton, 14 Vt. 228 ; Micholson «. Patton, 13 La. 43 ; 
 Smith V Mechanics', &c. Bank, 6 La. Ann. 610 ; Grencaux v. Wheeler, 6 Texas,
 
 CH. Vm.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 259 
 
 we incline to the opinion that the rule of the late English cases 
 is better adapted to the free circulation of negotiable paper, and 
 the true interests of trade. (i) 
 
 But it must still be true, that while gross, or even the gross 
 est negligence, is a different thing from fraud, the negligence 
 may be such, and so accompanied, as to afford reasonable and 
 sufficient grounds for believing that it was intentional and 
 fraudulent, (j) 
 
 Thus, although notice or knowledge of defeating circumstances 
 may not be proved, the facts of the case, the relations between the 
 parties, and their method of dealing, may be such as to show 
 
 515 ; Cone v. Baldwin, 12 Pick. 545 In Merriam v. Granite Bank, 8 Gray, 254, Shaw, 
 C. J., after stating the general rule, said : " But this rule is to be taken with a strict 
 observance of the qualification, that the negotiable security be taken in the due course 
 of business, without notice, or reasonable cause to suspect, that the party from whom 
 it is taken has not the full title which the possession of the security and the names 
 borne upon it naturally import" In this case a promissory note indorsed in blank was 
 accidentaJly left by the owner in a broker's ofRce. The broker was indebted to a bank 
 for money lent, payable on demand, and he was accustomed to give the bank as col- 
 lateral security for such loans his own memorandum checks, payable on demand, and 
 indorsed notes as collateral security. The note in question was found among these 
 notes and checks, but there was no evidence of the manner in which it came there. 
 The former president of the bank testified, that, from his knowledge of the business of 
 the brokers in question, and from what they had often told him, he supposed that the 
 collateral notes were not notes which the brokers had purchased or discounted bnt 
 notes on which they had. made advances, and which they held as collateral. It was 
 held, under these circumstances, that the bank took the notes on the credit of the 
 brokers merely, and the taking was under such circumstances as to put them on their 
 guai-d to inquire into the title of the brokers. 
 
 (?) Matthews v. Poythress, 4 Ga. 287, 306; Ellicott v Martin, 6 Md. .509. This 
 question was considered at length in the recent case of Goodman v. Simonds, 20 How. 
 343, 363, in which it is said, that if the defect or infirmity in the title of the instrument 
 appears on its face at the time of transfer, the question whether the person who took it 
 had notice or not is generally a question of construction for the court; but that where 
 it is proposed to impeach the title of the holder by proof of facts and circumstances 
 outside of the instrument itself, the defendant is bound to prove notice or knowledge 
 of such facts, and mere want of care and caution on the part of the holder is not suffi- 
 cient. In Crosby v. Grant, 36 N. H. 273, the point was not decided, but it was held, 
 that, if a person who took a note under circumstances of suspicion such as ought to 
 put him on inquiry, took it subject to equities, yet the facts that the note was taken on 
 the last day of grace from a bank in Boston, Massachusetts, where it had been dis- 
 counted, the maker residing at Great Falls in New Hampshire, the full amount being 
 paid to the banks, and at the trial the indorsements of several parties appeared to be 
 erased from the note, leaving upon it that of the payee alone, do not constitute a casa 
 for the application of this doctrine. See also Worcester Co. Bank v. Dorchester, &c 
 Bank, 10 Cush. 488. 
 
 [j) See cases cited supra, p. 258.
 
 260 NOTES AND BILLS. [CH. VIII 
 
 tliat there was either knowledge, or an intentional and careful 
 avoidance of knowledge ; this we should say must have the same 
 effect in law as knowledge. 
 
 But evidence of notice to, or of knowledge on the part of the 
 holder, of facts which would defeat his recovery, must not be 
 ambiguous. (A:) The negligence of the loser is, however, no ex- 
 cuse for the dishonesty of the receiver, and therefore a failure 
 to give public notice of the loss of a bill or note will not pre- 
 clude the owner from showing that the holder took it mala fide. 
 But the negligence of the one may be an excuse for the negli- 
 gence of the other, and might authorize him to defend himself 
 on the maxim. Potior est conditio possidentis. {I) 
 
 If the defendant is compelled by due process of law to pay the 
 note to another party, the plaintiff who holds the note cannot 
 recover it of him. Thus, if the paper be not negotiable, and 
 trustee process is served upon the promisor, (m) or if the paper 
 be negotiable, and such process is served in States where it may 
 be served in such cases, the promisor must pay the plaintiff in 
 the trustee process, and this would be a defence if sued by the 
 holder. (7i) But if the paper be negotiable, and such attach- 
 ment is not allowed by statute, the rights of a bona fide holder 
 arc not affected by such an attaclunent.(o) Althougli it is made 
 before the transfer to tlie holder, the doctrine of Us pendens, 
 viz. tluit whoever purchases property wliich is in litigation at 
 the time takes it subject to any decree which may be made in 
 respect to it in the pending suit, does not apply to negotiable 
 paper. (/») 
 
 {/•) " h must clearly appear that the inclorsce was apprised of such circumstances as 
 woiilil liave avoideil the note in the liands of the indoiscr." Per Wooillmri/, J., Perkins 
 V. Cliallis, I N. II. '2.54. 
 
 (/) Per UpsI, C. J., in Snow v. Peacock, 3 Bing. 406, 411, 11 J. B. Moore, 286. See 
 ai.si. Mattliews r. I'ovthrcss, 4 Gu. 287. 
 
 (ill) Cushman v. Ilaynes, -20 Pick. 132. 
 
 (») IVck V. Maynani, 20 N. II. 183; Thompson v Carroll, 36 N. II. 21 ; Steams 
 V. Wrisjcy, 30 Vt. OOl ; Amuskca;,' Maniif. Co v. Gihhs, 8 Foster, 31G; Griswold v. 
 Davis, 31 Vt. 390. 
 
 {o) Kicdcr *'. Ehler, 18 Pcnn. State, 388;- Ludlow c. Bin-hurn, 4 D.iUas, 47 ; Huff 
 V. Mills, 7 Ycrt;. 42; Hinsdill i: Satlbrd, 11 Vt 30') ; Little r. ilalr, id. 482. In Vcr- 
 niiTif. hy 11 Ktatute pa.sscd in 1841, nci;otiablc paper is snlijcct toatfacliincnt iiiilii notice 
 of ill'! transfer is n'lvvn. A statute ])!Ishc<1 in I8.')2 cxcinptcd from ihc opcnuioii of this 
 stiitiite fmper discounted at hanks. Griswold v. Diivis, 31 Vt. 390. 
 
 (//) Hill V. Kroft, 29 Pcnn. State. I«6: Winston /■. Wcsifcjdt, 22 Ala. 700.
 
 CH. Vm.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 261 
 
 The knowledge of a defect or defeasance will not destroy the 
 rights of the transferee, nnless it be a defect or defeasance which 
 would have destroyed the rights of his transferrer. Thus, if A 
 makes a note to B, who indorses it for value to C after the consid- 
 eration has wholly failed, but before its maturity, and B has no 
 knowledge of this failure, but C has such knowledge, he will nev- 
 ertheless recover on the note, because he stands in B's place, and 
 has all B's rights. And therefore any of C's indorsees, inunedi- 
 ate or distant, will be unaffected either by C's knowledge or by 
 their own.(g) And knowledge on the part of the holder, at the 
 time he took the note, that it was not to be paid on a specified 
 contingency, is not sufficient to defeat his right to recover, al- 
 though the contingency had then happened, if he was ignorant 
 of this fact.(r) So, too, it has been held that a person who ac- 
 quires a good title to a note, by taking it in ignorance that the 
 agent making it had exceeded his authority, may take a renewal 
 of the note from the agent, although at that time he knew that 
 the original note was given without authority. (*•) 
 
 If the maker or other person liable on negotiable paper pays it 
 before it is due, he is undoubtedly liable upon it to a bona fide 
 holder for value. (^) 
 
 2. Where the paper is taken after dishonor. We prefer this 
 phrase to the more usual phrase " after maturity " ; for dishonor 
 and non-payment at maturity are not necessarily the same thing. 
 For example, we shall see that a note on demand is mature and 
 demandable at once. But it is not dishonored until a reasonable 
 period of non-payment has elapsed. 
 
 If negotiable paper be taken after dishonor, it loses a large 
 part of its peculiar privileges, because only so long as it may be 
 
 {q) Hascall \\ Whitmore, 19 Maine, 102; Prentice v. Zane, 2 Grat. 262; Boyd w. 
 McCann, 10 Md. 118; Howell v. Crane, 12 La. Ann 126; Watson v. Flanagan, 14 
 Texas, 354. 
 
 (r) Adams v. Smith, 35 Maine, 324. See also Ferdon v. Jones, 2 E. D. Smith, 
 106 ; Davis v. McCready, 4 E. D. Smith, 565. 
 
 (s) Hopkins v. Boyd, 11 Md. 107. The original note in this case was signed by one 
 partner in the firm name. It was given out of the course of the partnership business, 
 and without the knowledge of the other partner. The plaintiff did not know this at the 
 time he took the note ; but he was informed of the fact before the note was renewed. 
 It was held that his knowledge was no defence to an action on the renewed note. 
 
 (<) See cases cited p 2.30, note w; also, Webster v. Lee, 5 Mass. 334; Wheeler r 
 Guild, 20 Pick. 545 ; White v. Kibling, 11 Johns. 128 ; Brown v. Davies, 3 T. R. 80 
 Dod V. Edwards, 2 Car. & P. 602.
 
 262 NOTES AND BILLS. [CH. VIH 
 
 regarded as certain to become so much money at a definite pe- 
 riod, is it the representative or equivalent of money. 
 
 It may still be transferred, either by mere delivery, or by in- 
 dorsement and' delivery, according to the character of the paper 
 And if so transferred for value, the transferee acquires against 
 all previous parties all the rights which his transferrer held 
 against them. For it is still so far negotiable as to admit of this 
 transfer,(</) but is not, after dishonor, so far negotiable, that 
 equities of defence unknown to the taker will not defeat it in his 
 hands. 
 
 We will proceed to consider the question, What constitutes the 
 dishonor of negotiable paper ? And the general definition of this 
 may be, the non-payment of negotiable paper when it should be 
 paid. (7;) It will follow from this definition, that the dishonor may 
 come from non-payment at a time certain, if the paper is so paya- 
 ble. Or from a demand and refusal, if the paper were payable on 
 demand. Or from such a lapse of time, if the paper were paya- 
 ble on demand, that the law considers that the paper ought to 
 have been paid, and that every one is bound to suppose tliat the 
 paper must have been demanded and refused somewhere within 
 that time. If the makers of a negotiable instrument negotiate it 
 after it is due, it would seem tliat they could not set up, in de- 
 fence to an action by a bona fide holder, want or failure of con- 
 sideration in tbe inception of the instrument. (i^) 
 
 When paper is payable at a certain time, and in the case of 
 bills payable at sight where these have grace, the last day of 
 grace is of course the time at which non-payment operates dis- 
 honor. 
 
 The question may arise, on what part of the day does dishonor 
 fall upon the note by non-payment. We should say, not until 
 the close of business hours in our cities, and not until the close 
 
 (h) "A note rlocH not coasc to be nejiotiable, because it is overdue. The promisee, 
 by bis inrlorsein(;nt, may still pivc a frood title to the indorsee." Per Slinw, C. J., in 
 Ba.xtcrr v. Little, 6 Met. 7. See also Powers v. Nelson, 19 Misso. 190, and cases 
 
 (w) In Fitch v. Jones, 5 KIlis & B. 238, 32 Eng. L. & Eq. 134, a note bore date 
 Jan. 1, 18.')4, jinyable in two mrmths. Across th(! note was written, in the hand of the 
 maker, " Dm- 4tli March, 18.5.5." The note was in fact inad(! Jan. 1, IS."; 5, and was in- 
 dorsed to the plaintiff before March 1, 185.5. Jlc./d, that the note was not at this time 
 dislionorrd. 
 
 (u;) Boehrn v. Sterling, 7 T. li. 423.
 
 CH. Vm.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 263 
 
 of the day where no usage limited the business hours, — unless 
 there had been previously an actual and positive refusal to pay 
 the paper, and notice or knowledge thereof on the part of the 
 taker. 
 
 It is obvious, however, that cases of this kind might differ 
 much in their facts, and in the legal inferences from them. Thus, 
 if the holder of a note offers it for sale at nine o'clock of the 
 day of its maturity, on the ground that he needs the money at 
 once, and shall not otherwise have it until the banks close, or 
 until they open next morning, and the buyer believes him, he 
 would not be affected by the fact of a previous refusal to pay on 
 that morning, even if he gave less than the face, because he 
 might calculate the chances of the promisor's solvency. But if 
 he bought it ten minutes before the last minute when it could be 
 paid, his conduct would be much more open to the inference that 
 he knew the paper had been refused, or would be unpaid, and 
 took his risk of getting the money ; and if the paper had then 
 been refused, he must be regarded as the taker of dishonored 
 paper. Perhaps, however, the simpler and better rule may be 
 this. As the payer has all the business hours of the last day in 
 which he may pay the paper, all other persons may suppose it 
 unpaid, and purchase it in that belief, until the close of those 
 hours. (.X') 
 
 3. Of the dishonor of paper payable on demand. Bills on 
 sight, and bills or notes payable on demand, have no definite 
 time at which non-payment at once operates dishonor. Of this 
 kind of paper three things must be said. 
 
 One is, that a reasonable time must elapse before mere non 
 payment dishonors the bill or note. What this time is, has not 
 been, and cannot be, fixed by any definite and precise rule. One 
 day's delay of paper on demand certainly would not dishonor it ; 
 five years certainly would. And in each case, how many days, or 
 weeks, or months, are requisite for this effect, must depend upon 
 the test, whether so long a time has elapsed, that it must be in- 
 ferred from the particular circumstances and the general conduct 
 
 (x) In Crosby v. Grant, 36 N. H. 273, it was held that a note payable generally, and 
 
 not at any particular place, might be bought from a bank where it had been discounted, 
 
 on the lust day of grace, and the holder protected. But in Pine v. Smith, 1 1 Gray, 
 
 the same point was decided the other way, on grounds of the sufficiency of which 
 
 we have some doubt.
 
 264 NOTES AXD BILLS. [CH. Vm. 
 
 of basiness men, both of which should be considered, that the 
 paper in question must have been intended to be paid within this 
 period, and, if not paid, must have been refused. {//) There are 
 
 (y) Muilman y. D'Eguino, 2 H. Bl. 565 ; Mullickr. Kadakissen, 9 Moore, P.C. 46, 
 28 Eng. L. & Eq 86 ; Shute v. Eobins, Moody & M. 133 ; Mellish v. Rawdon, 9 Bing. 
 416; Marrin v. Winslow, 2 Mason, 241 ; Wallace v. Agry, 4 Mason, 336, 5 Mason, 
 118; Aj'mar v. Beers, 7 Cowen, 705; Robinson v. Ames, 20 Johns. 140; Gowan v. 
 Jackson, 20 Johns. 176; Dumont v. Pope, 7 Blackf. 367; Lord v. Chadbourne, 8 
 Greenl. 198; Perry v. Green, 4 Harrison, 61 ; Lockwood v. Crawford, 18 Conn 361 ; 
 Culver V. Parish, 21 Conn. 408 ; Atlantic DeLaine Co. v. Tredick, 5 R. L 171 ; Carll 
 V. Brown, 2 Mich. 401 ; M'Kinney v. Crawford, 8 S. & R. 351 ; Emerson v. Crocker, 
 5 N. H. 159; Odiorne v. Howard, 10 N. H. 343; Carlton r. Bailey, 7 Foster, 230; 
 Parker y. Tattle, 44 Maine, 459; Dennen v. Haskell, 45 Maine, 431 ; Jerome v. Steb- 
 bins, 14 Calif. 457 ; Ayer v. Hutchins, 4 Mass. 370 ; Thurston v. M'Kown, 6 RLass. 428 ; 
 Hemmenway v. Stone, 7 Mass. 58 ; Field v. Nickerson, 13 Mass. 131 ; Stockbridge v. 
 Damon, 5 Pick. 225; Thompson v. Hale, 6 Pick. 259 ; Sylvesters. Crapo, 15 Pick. 
 93 ; Stevens v. Bruce, 21 Pick. 193. American Bank v. Jenness, 2 Met. 288 ; Ran- 
 ger V. Cary, 1 Met. 369 ; Knowles v. Parker, 7 Met. 30 ; Seaver v. Lincoln, 21 Pick. 
 267 ; Weeks v. Pryor, 27 Barb. 79. 
 
 In Furman v. Haskin, 2 Caines, 369, a note payable on demand was considered dis- 
 honored after eighteen months from the time when it was given; in Sice v. Cunning- 
 ham, 1 Cowen, 397, after five months ; in Field v. Nickerson, 13 Mass. 131, after eijlit 
 months ; in Losee v. Dunkin, 7 Johns. 70, after two months ; in Martin v. Winslow, 2 
 Mason, 241, after seven months ; in Camp v Scott, 14 Vt. 387, after two months ; in 
 Atlantic DeLaine Co. v. Tredick, 5 R. I. 171, after thirteen months; in Emerson ». 
 Crocker, 5 N. H. 159, after ten months; in Carlton v. Bailey, 7 Foster, 230, after seven 
 months and a half; in Parker v. Tuttle, 44 Maine, 459, after four months; in Jerome 
 T. Stebbins, 14 Calif. 457, after thirteen months ; in Loomis v. Pulver, 9 Johns. 244, 
 after two years ; in American Bank v. Jenness, 2 Met. 288, after eight months. 
 
 In Aymar v. Beers, 7 Cowen, 705, a delay of twenty-nine days was not considered 
 unreasonable under the circumstances of the case ; so in Van Hoescn v. Van Alstyne, 
 3 Wend. 75, a delay of two or three months ; in Robinson v. Ames, 20 Johns. 146, a 
 delay of seventy-five days ; in Wcthey v. Andrews, 3 Ildl, 582, a delay of four or five 
 weeks; in Lockwood v. Crawford, 18 Conn 361, a delay of sixty days; in Dennett v. 
 Wyman, 13 Vt. 485, a delay of two days ; in Sanford v. Mickles, 4 Johns. 224, a delay 
 of five months ; in Carll v. Brown, 2 Mich. 401, a delay of twenty-five days; in Den- 
 nen V. Haskell, 45 Maine, 430, a delay of thirty days; in Ranger v. Cary, 1 Met. 369, 
 a delay of one month. 
 
 The question of reasonable time is well stated by Parker, C. J., in Field v. Nick- 
 erson, 13 Mass. 131. After referring to the analogy generally recognized in this respect 
 between a note payable on demand and a bill payable at sight, so tiiat, as in the latter 
 case the holder must present his bill for acceptance within a reasonable time, in order 
 to charge the drawer, so in the former, the indorsee must make demand of payment 
 on the promisor within a reasonable time, in order to charge the indorser, the learned 
 jurlge says: " And wo arc of oi>iiiion that this is the correct doctrine on the subject. 
 For as, on the one hand, it can hardly be supposed that the indorser and indorsee, 
 when tiiey make their contract, contemplate a liability on the indorser, unless reasnna- 
 l)le pains should be taken to procure payment of the actual debtor ; so, on the otner, 
 we do not think it enters into their calculations that, as between them, the note should 
 be coii.sidered due when drawn in such manner as to re(iuire, in all cases, a dcinan.!
 
 CH. Vm.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 265 
 
 two classes of cases in which this question of reasonable time 
 has arisen ; the one, as to what is a reasonable time to make a 
 demand on a note payable on demand, or a presentment of a bill 
 
 the instant, or the same day, it may have been indorsed. As it respects the promisor 
 himself, lie 'is answerable immediately to the promisee or indorsee; and he may be 
 sued the instant he lias given liis signature, even without a previous demand. But the 
 condition on which the indorser is liable is, that payment shall be demanded within a 
 reasonable time, and the earliest notice possible given of refusal. This time may, 
 therefore, vary according to the circumstances and situation of the parties, to be deter- 
 mined by the jury under the direction of the court. It is impossible to fix any precise 
 period, each case depending upon its own circumstances., as in the case of a bill pay- 
 able at sight, which must be presented to the drawer as soon as can conveniently be 
 done, taking into view all the circumstances of the holder and the drawer." In Seaver 
 V. Lincoln, 21 Pick. 267, Shaw, C. J. said, that ''one of the most difficult questions pre- 
 sented for the decision of a court of law is, what shall be deemed a reasonable time 
 within which to demand payment of the maker of a note payable on demand, in order 
 to charge the indorser. It depends upon so many circumstances to determine what is 
 a reasonable time in a particular case, that one decjision goes but little way in establish- 
 ing a precedent for another." 
 
 In Massachusetts it is provided by statute that, upon a promissory note payable on 
 demand, a demand made at the expiration of sixty days from the date thereof, without 
 grace, or at any time within that term, shall be deemed to be made within a reasonable 
 time; but no subsequent presentment and demand shall charge the indorser. Gen. 
 Stats. 1860, c. 5.3, § 8. This statute does not apply to the case of such a note indorsed 
 after this term of sixty days from its date has elapsed, but in such case it seems that a 
 demand on the maker is within a reasonable time, if made within a like term of sixty 
 days from the indorsement of the note. Rice v. Wesson, 11 Met. 400. 
 
 And in respect to bills of exchange payable on or after sight, in some foreign na- 
 tions there are positive enactments fixing the times of presentment with reference to 
 the places where the bill is drawn, and where the drawee resides, as in the French 
 Code de Commerce, Lib. 1, pt. 8, § 11. 
 
 In England it has been held that a negotiable note payable on demand is not dishon- 
 ored by mere lapse of time. Something more must be brought to the knowledge of the 
 indorser to charge him with the equities of the original parties. Barough v. White, 4 
 B. & C. 32.') ; Brooks v. Mitchell, 9 M. & W. 15. In the latter case it was held that a 
 note, payable on demand with interest, made in 1824, and indorsed in 1838, and upon 
 which no interest had been paid for three years immediately preceding the indorsement, 
 was not subject to an equitable defence as between the original parties. It was urged in 
 that case, that the non-payment of interest for three years was sufficient to put the in- 
 dorsee upon inquiry. But Parke, B., expressing the opinion of the court, said : "I 
 cannot assent to the arguments urged in behalf of the plaintiffs. If a promissory note 
 payable on demand, is after a certain time to be treated as over-due, although payment 
 has not been demanded, it is no longer a negotiable instrument; but a promissory 
 note, payable on demand, is intended to be a continuing security." 
 
 A promissory note payable on demand is probably a species of security rarely used 
 ui England ; and when it is used, it is regarded as a contiiming security until the holder 
 snail see fit to render it due by a demand. Here it has long been in use, and the rules 
 applicable to it have been fixed after the analogy of bills payable at sight. See re- 
 n.'vrks of Shiiw, C. J., in Sylvester v. Cr;i;io, l.i Pick. 92, 94. 
 
 vol.. 1. 23
 
 266 NOTES AND BILLS. [CH. Vm. 
 
 drawn payable on or after sight, in order to charge an indorser ; 
 and the other as to the length of time in which such a note or 
 bill would be held to be dishonored, and subject to those grounds 
 of defence which would have been open to the maker of the note 
 or the drawer of the bill in a suit by the payee. (s) 
 
 The rule requiring the presentment of the bill or note within 
 a reasonable time applies in the same way, though the drawer or 
 indorser has sustained no actual loss by the delay, and has con- 
 tinued solvent up to the time of the presentment, (a) In deter- 
 mining this question of reasonable time, it is proper to look to 
 the interests of the holder of the paper, as well as of the drawer ; 
 and accordingly, in case of a foreign bill, the rate of exchange 
 is a circumstance that may be considered in determining whether 
 the holder has delayed unreasonably to put it in circulation or to 
 send it forward to the drawee ; for it cannot be required of him 
 to part with it instantly under all disadvantages. (/>) A delay 
 
 {z) See Ranger v. Gary, 1 Met. 369, 373, per Dewey, J. 
 
 (a) Carter v. Flower, 16 M. & W. "43 ; Mullick v. Radakissen, 9 Moore, P. C. 46, 
 28 Eng. L. & Eq. 86. In the latter case, Baron Parke said, ou this point : " The court 
 below decided, that the solvency of the drawers and the want of proof of actual loss by 
 laches constituted no answer to the objection of laches. We think they were right. 
 There is no trace of such a qualification in the elaborate judgment of Lord Chief Jus- 
 tice Tindal, in Mellish v. Rawdon, 9 Bing. 417, in which the circumstances which con- 
 stitute a reasonable delay are fully discussed ; no mention is made of the insolvency of 
 the drawer, subsequent to the drawing, although it did occur in that case, or some loss 
 by the drawer, being an essential condition to the application of the rule laid down; 
 and in Muilman v. D'Eguino, 2 H. Bl. 565, it was clear that the failure of the 
 drawer caused no damage to the plaintiff, being before the time that the bill could 
 possibly iiave been presented in India; yet that circumstance was not mentioned as 
 dispensing with the obligation to present in a reasonable time ; and, with respect to all 
 bills of exchange payable after date, it is fully settled, that neither the want of present- 
 ment at the time the bill is due, nor the want of due notice, are excused because the 
 drawer has continued solvent, or the holder incurred no loss by non-presentment or 
 want of ri'LTular notice. This point was fully considered in the case of Carter v. 
 Flower, 10 .M. & VV. 743, and wc believe admits of no doubt; and we agree with the 
 court below, tiiat the continued solvency of the drawers docs not prevent the applica- 
 tion of tilt! rule that the bill must be presented in a reasonable time, with reference to 
 the interest of the drawer to put the bill into circulation, or the interest of the drawee to 
 have the bill speedily presented " In this respect a check differs from a bill of ex- 
 change, and the doctrine that the drawer of a check continues liable unless ho has 
 actuiilly sustained a loss from the delay of presentment has no a])plieation in the case 
 of a bill of exchange. 
 
 (I)) Mellish i;. Kawdon, 9 Hing. 416 Tindnl, C. J., delivering the opinion of the 
 court, in referring to the ex|)rcssion used by Bnllcr, J., in Muilman i'. D'Eguino, 2 H. 
 Bl. 565, that "if, instead of pnttini; it in circulation, the holder were to lock it up for 
 any length of time, I should say that ho was guilty of laches," said ; " ' To lock tbo
 
 CE. Vin.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 267 
 
 arising from the sickness of the holder, or from other acciaent, 
 may be properly considered. (c) If the bill be kept in circulation, 
 its final presentment may be delayed as long as the reasonable 
 
 bill up for any length of time ' does not and cannot mean, that keeping it in his hands 
 for any time, however short, would make him guilty of laches. It never can be re- 
 quired of him, instantly on the receipt of it, under all disadvantages, either to put it 
 into circulation, or to send it forward to the drawee for acceptance. To hold the pur- 
 chaser bound by such an obligation would greatly impede, if not altogether destroy, the 
 market for buying and selling foreign bills, to the great injury, no less than to the in- 
 convenience, of the drawer himself. For, if he has no opportunity to realize his bill 
 by sale at home, he can only obtain the amount by sending it out to a correspondent 
 at the place upon which it is drawn, incurring thereby delay, expense, and risk ; and if 
 the buyer is not to be allowed a reasonable discretion as to the time of parting with the 
 bill, how can tiie drawer expect to find a ready sale ? The meaning of the expression 
 above referred to is, and indeed the very form of expression denotes it, that he must 
 not lock the bill up for an indefinite time ; that there must be some limit to its being 
 kept from circulation ; and what limit can there be, except that the time during which 
 it is locked up must be reasonable ? But what is or is not reasonable for that purpose, 
 a jury must, with the assistance of the judge, under all the circumstances of the par- 
 ticular case, determine." Like considerations were entertained by the Court of the Privy 
 Council in the case of Mullick v. Radakissen, 9 Moore, P. C. 46, 28 Eng. L. & Eq. 86, 
 on appeal from the Supreme Court at Calcutta. In this case, a bill of exchange was 
 drawn at Calcutta, on the 16th of February, 1848, by the respondents, on Dent & Co., 
 at Hong Kong, payable sixty days after sight, and indorsed by the respondents to 
 Muttyloll Seal or order. MuttyloU Seal, in consequence of the depressed state of the 
 money market at Calcutta and the unsalableness of bills on China at that time at 
 Calcutta, kept the bill for five months and nine days, and then sold it to the appellant, 
 who did not present it for acceptance at Hong Kong till the 24th of October in that 
 year, when Dent & Co. refused to accept it. It was held that the presentation of the 
 bill for acceptance was not made within a reasonable time, and that the respondents, 
 the drawers, were discharged. Baron Parke, pronouncing the judgment of the court, 
 said : " The court (at Calcutta) assumed, that the correct principle was laid down fully 
 in the cases of Mellish v Rawdon, 9 Bing. 416, which is in accordance with the prior 
 cases of Muilman v. D'Eguino, 2 H. Bl. 565, and Fry v. Hill, 7 Taunt. .397, that in 
 determining the question of 'reasonable time ' for presentment, not the interests of the 
 drawer only, but those of the holder, must be taken into account; that the reasonable 
 time expended inputting the bill into circulation, which is forthe interest of the holder, 
 is to be allowed ; and that the bill need not be sent for acceptance by the very earliest 
 opportunity, though it must be sent without improper delay. The court, in acting 
 upon that principle, concluded from the evidence that the bill was improperly detained 
 for a portion at least of the time which elapsed between the 16th of February, 1848, 
 when it was drawn, and the 26th of July, when it was indorsed over by Muttyloll Seal, 
 the then holder, to the plaintiff. They thought that the evidence proved, that for the 
 whole of that time, a period of more than five months, bills on China were altogether 
 unsalable in Calcutta ; that such was the permanent and regular state of the market; 
 and that although, if there was a reasonable prospect of the state of things being better 
 m a short time, the holder would have had a right, with a view to his own interests, 
 
 (c) Aymar v. Beers, 7 Cowen, 705.
 
 268 NOTES AND BILLS. [CH. VIH 
 
 convenience of the successive holders may require, (c?) If a note 
 payable on demand was intended as a continuing security, and 
 not for commercial purposes, this is a circumstance which greatly 
 extends the time within which one may take it without being 
 made subject to the equities of dishonored paper. (e) This inten- 
 tion may sometimes be inferred from tlie phraseology of the note ; 
 and the fact that it bears interest has sometimes been considered 
 as indicating such an intention. (/) A note transferred after it 
 is due is considered as a note payable on demand, as regards the 
 time within which a demand must be made in order to charge 
 the indorser.(o-) 
 
 The reasonableness of the time for presentment of bills on 
 sight, and of bills and notes payable on demand, was formerly 
 thought to be wholly a question of fact for the determination of 
 the jury ; (A) but the expediency of having a fixed rule of law 
 
 to keep the bill for some time, he had no such right when there was no hope of the 
 amendment of that state of things ; and we are of opinion, that the evidence fully jus- 
 tified this conclusion from it, and that the court, deciding on facts as a jury, were per- 
 fectly right. Indeed, we should not have reversed their judgment on a matter of fact, 
 unless we were quite satisfied they were wrong, their knowledge of local circumstances 
 and the character and appearance of the witnesses enabling them to form a more cor- 
 rect opinion than a tribunal of appeal in this country possibly could. But in our opin- 
 ion they drew a proper inference from the evidence in the case." 
 
 In Straker v. Graham, 4 M. & W. 721, where a bill was drawn in duplicate at Car- 
 bonear, in Newfoundland, on the 12th of August, upon a firm in England, payable 
 ninety days after sight, and it was not presented for acceptance until the 16th of No- 
 vember, it was held, in absence of proof to explain the delay, that the bill was not 
 presented within a reasonable time. 
 
 In New York, a transferee of a note on demand nearly three months after date, l)oth 
 ])arti('s having their places of business in the same street, took it subject to equities, 
 in Herrick v. Woolverton, 41 N. Y. 581. 
 
 {d) Goupy V. Harden, 7 Taunt. 159. 
 
 (fi) Vrceland v. Hyde, 2 Hall, 429 
 
 { /■) Barougb v. Wliite, 4 B. & C. 32.5, 6 Dow. & R. 379 , Vrceland «. Hy<lc, supra ; 
 Wethcy r. Andrews, 3 Hill, 582 ; Lockwood v. Crawford, 18 Conn. 361. In ihe latter 
 ciisc, Clinrrli, C. J. thought the fact of the note's bearing interest an important one, as 
 indicating a continuing note. But the mere circumstance that it bears interest does 
 not take it out of the general rule, that dishonor is to bo presumed after a reasonable 
 time. I'crry v. Green, 4 Harrison, 61. See also Agawam Bank v. Strevcr, 18 N. Y. 
 502, 513. in Weeks v. Pryor, 27 Barb. 79, the court thought it evident, from the fact 
 that a note payable on demand bore interest, that an imnu'diate demand of payment 
 was not contemplated by the parties. 
 
 (7) Van Hocscn i;. Van Alstyne, 3 Wend. 75; Sanborn r. Southard, 25 Maine, 
 ♦09; Branch Bank of .Montgomery v. (Jafincy, 9 Ala. 153 ; Gray v. Bell, 3 Hich. 71 ; 
 M'Kinney v. Crawford, 8 S. & U. 351 ; Bren/,i-r v. Wighlman, 7 Watts & S. 264 ; Camp- 
 hell V. Carman, 1 I'hilad. 283 ; Tyler v. Young, 30 IVnn. State, 143 ; Bcebe v. 
 BrookH, 12 Calif. 308. 
 
 (//) Miiilman v. D'Kguino, 2 II. Hi. :,0'>; Fry v. IIill, 7 Taunt. 397; Goupy v.
 
 CH. VIII.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 269 
 
 in place of the uncertain and contradictory decisions of juries, 
 in a matter of so much importance in mercantile affairs, has 
 finally led to the adoption of the principle which may now be con- 
 sidered a settled one, — that, when the jury has determined the 
 facts of the case, the reasonableness of the time is a question of 
 law for the court to determine or to direct the jury upon.(i) 
 Practically, in very many cases, it is a mixed one of law and 
 fact, to be decided by the jury, acting under the direction of the 
 judge, upon the particular circumstances of the case.(y) 
 
 Harden, 7 Tnunt. 159; Shnte v. Robins, Moody & M. 133; Hoar v. Da Costa, 
 2 Stra 910; Manwaring v. Harrison, 1 Stra. 508; Strainer v. Grahani, 4 M. & W. 
 721 ; Hilton v. Shepherd, 6 East, 14, note ; Hopes v. Alder, 6 East, 16, note. 
 
 (/) Moule V. Brown, 5 Scott, 694, 4 Bing. N. C. 266 ; per Buller, J., in Tindal v. 
 Brown, 1 T. R. 169; Medcalf w. Hall, 3 Doug. 113 ; Appleton v. Sweetapple, 3 Doug. 
 137 ; Darbishire v. Parker, 6 East, 3, per Laivrence, J. ; Vreeland v Hyde, 2 Hall, 
 429 ; Furman v. Haskin, 2 Caines, 369 ; Sice v. Cunningham, 1 Cowen, 408 ; Ay- 
 mar V. Beers, 7 Cowen, 705 ; Van Hoesen v. Van Alstyne, 3 Wend. 75 ; Dennett v. 
 Wyman, 13 Vt. 485; Sylvester v. Crapo, 15 Pick. 92, per Shaw, C. J. In Barbour 
 V. Fulierton, 36 Penn. State, 105, the court, thoufih admitting the general rule, that, 
 where the facts are undisputed, what is a reasonable time is a question of law, were of 
 opinion that in case of a note payable on dematid, made in another State, and governed 
 by its laws, this question is one of fact for the jury, under proper instructions from the 
 court. 
 
 (j) In Mcllish V Rawdon, 9 Bing. 416, Tindal, C. J., delivering the judgment of the 
 court, said : " Whether there has been in any particular case reasonable diligence used, 
 or whether unreasonable delay has occurred, is a mixed question of law and fact, to be 
 decided by the jury, acting under the direction of the Judge, upon the particular cir- 
 cumstances of each case." On a similar point respecting notice. Lord Maiisjielii, in 
 Tindal v. Brown, 1 T. R. 167, said : " What is reasonable notice is a question partly 
 of fact, and partly of law ; it may depend in some measure on facts ; such as the dis- 
 tance at which the parties live, the course of the post, &c. ; but wherever a rule can be 
 laid down with respect to their reasonableness, that should be decided by the court, and 
 adhered to for the sake of certainty." This case was sent back to the jury, on nearly 
 the same evidence as was at first presented, and the jury having again returned a ver- 
 dict contrary to the direction of the court, the court again set it aside, and ordered a 
 third trial. In Wyman v. Adams, 12 Cush. 210, 214, Shaio, C J., referring to the last- 
 mentioned case, said : " This, we believe, has been ever since considered as settling 
 the law definitively, that what is reasonable time for making demand on the promisor 
 and giving notice of dishonor to the indorser, is a question of law But this rule is 
 practically carried into effect, by stating to the jury what is reasonable time, in a case 
 where the evidence is clear, cerrain, and uncontrovertcd, and by setting aside their ver- 
 dict, if it is manifest that they decided against law, in not conforming the verdict to 
 such instructions. But where the promisor has no fixed place of abode, or where he 
 has absconded or changed his residence, it is a very ditTerent question what shall 
 be considered due and reasonable diligence on the part of the holder in searching 
 or inquiring for the promisor in order to make demand. There, in the language of 
 Lord Minisficld, ' no rule can be laid down ' ; it depends on a variety of circumstances, 
 t'> be ■•onsidered by the jury, under proper directions by the court as to the nature 
 23*
 
 270 NOTES AND BILLS. [CH. Vm 
 
 Another thing is, that actual dishonor may take place at any 
 moment after the paper may be presented and demanded. But 
 this dishonor, accurately speaking, does not take place, or at 
 least is not completed, merely by refusal to pay, unless the party 
 subsequently taking the paper had some notice or knowledge of 
 this demand and refusal. (A;) 
 
 The third thing we have to say is this. If the paper be de- 
 manded and refused within that period before the termination 
 of which tliere is no presumption of dishonor, a taker after such 
 demand, and within that period, having no notice or knowledge 
 of the demand or refusal, cannot be affected by it.(/) For exam- 
 ple, suppose a note on demand so circumstanced that the court 
 would say the lapse of one month is not sufficient to dishonor it, 
 and the lapse of two months is sufficient, and a transferee takes 
 it on the twenty-fiftli day without notice or knowledge that on 
 the twenty-fourth day it had been demanded and refused. We 
 should say that the law would allow him the right of presuming 
 non-dishonor durhig the whole of tbat month, and would protect 
 his riglits accordingly. 
 
 Paper payable at a time certain is dishonored by mere non- 
 payment at that time ; but if payable on demand, and dishon- 
 ored by refusal, the question may arise, what constitutes refusal. 
 
 and degree of the diligence required." See also Barbour v. FuUerton, 36 Penn. 
 State, 103. 
 
 In the recent case of Mullick v. Radakisscn, 9 Moore, P. C. 46, 28 Eng. L. & Eq. 
 86, Baron Parke, pronouncing the judgment of the court, said, that when there is no 
 usage of trade to fix tiic time, it lias long been established that what constitutes a 
 reasonable time is a mixed question of law and fact for the determination of the court 
 and jury. 
 
 (k) See Bartrum v. Caddy, 9 A. & E. 275, 278, per Patteson, J.; Cripps v. Davis, 
 12 M. & \V. 1.59, 16.5, per Parke, B. 
 
 (/) So even a payment made on a note payable on demand immediately afler it is 
 signed, and not indorsed thereon, would not bind an innocent indorsee, who demands 
 payment within a reasonable time. In Field v. Niekerson, 13 Mass. 131, 137, Parker, 
 C. J., pronouncing the opinion of the court, said : " So wc think, that ho who takes, for 
 a valuable consideration, a note of hand negotiable within a day or two after it is 
 signed would not be subje<!t to the claims of the promisor in nature of set-off, on the 
 principle that the note was overdue when indorsed; because tiie maker gives a credit 
 U) the note for a reasoiniblc time after it is signed; and if he should pay it immediately 
 after, leaving the note assignable, in the hands of the promisee, without any indorsement 
 thereon, he would perhajjS b(: iiolden to pay it again to the indorsee ; for he would bo 
 considered as promising to jiay the contents to any assignee who should, within a rea- 
 Botiable lime, make demand of |)ayment." See also American Bank v. Jennes* 2 
 Met. 288, Sacket v. Loomis, 4 fJray, MS.
 
 CH. Vm.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 271 
 
 We should say, generally, not a mere delay or postponement for 
 good reason, which does not amount to the expression of an in- 
 tention not to pay. As if one should say, " I supposed you were 
 to give me ten days' notice ; I shall certainly be ready then " ; 
 or, " I think that is paid, as I have an offset ; I will ascertain in 
 a day or two, if you will let the note lie " ; and, in either case, 
 the delay is given. But no special words need be used to consti- 
 tute refusal, if tlie paper is demanded, and is not paid, and there 
 are no words which make the non-payment reconcilable with the 
 purpose of payment witliin a proper time, and with a voluntary 
 delay by the holder on this ground. 
 
 Checks, of which we speak fully elsewhere, are a peculiar instru- 
 ment, and in this connection we need only remark, that they are 
 not precisely bills, but drafts on demand. Neither sight nor de- 
 mand is expressed on them ; and the present form in general use 
 in this country was in use also in England long ago. They are 
 sometimes written payable on time,(w) or are post-dated, which 
 has the same effect. (w) When not so written, they are payable 
 on demand ; but differ from bills on sight or notes on demand in 
 this, — that they are not intended for circulation, and are consid- 
 ered dishonored at a much earlier period. That is, it is consid- 
 ered reasonable to require their presentation much sooner. (o) 
 In a case in New York, it was held that a drawer is not liable for 
 the insolvency of the bank, unless the check be presented on the 
 same day it was drawn, or tiie following day, if the bank were 
 solvent on those days.(oo) But, on the other hand, there is no such 
 strict rule requiring the prompt presentment of checks as there is 
 with respect to notes and bills of exchange payable at a time cer- 
 tain.(p) After a reasonable time has passed, they will be consid- 
 ered as dishonored ; and what this time is must depend not only 
 upon the nature of the instrument, but also upon the circumstances 
 attending the particular case.(g') The mere fact that one takes a 
 check six days after its date does not necessarily subject him to the 
 equities existing against it as a dishonored paper ;(r) though this 
 
 (m) Westminster Bank v. Wheaton, 4 R. I. 30. 
 
 (n) Matter of Brown, 2 Story, 502, 512. Post-dated checks are sometimes consid- 
 ered payable, not as at a day ceitiiin, but on demand on or after their date. Gough v. 
 Staats, 13 Wend. 549; Mohawk Bank v. Broderick, id. 133. 
 
 (o) Per Parke, B. in Brooks v. Mitchell, 9 M. & W. 15. 
 
 {oo) Hazelton v. Colburn, 1 Eob. 345. The holding by a bank for twenty-four 
 hours, of a check drawn on it and sent to it for collection, was held not to constitute 
 acceptance, in Overman v, Hoboken City Bank, 2 Vroom, 563. 
 
 (p) Per Maiile, J., Serrell v. Derbyshire Kailway Co., 9 C. B. 811. 
 
 (q) Rothschild v. Corney, 9 B. & C. 388, per Lord Teuterden. 
 
 (r) Rothschild v. Corney, supra.
 
 272 NOTES AND BILLS. [CH. VIII. 
 
 circumstance is a proper matter of consideration in determining 
 whether the party thus taking the check acted in good faith and 
 with due caution, which may be the real question presented ;(s) or 
 more accurately the staleness of the check and the want of caution 
 in taking it are of importance only in connection with the inquiry 
 whether the holder had any knowledge of any infirmity in the title 
 of the person from whom he took it.(^) No degree of staleness is 
 fixed upon by the law as conclusive evidence of bad faith or fraud 
 in the party taking the check. 
 
 As one who pays out his check may be supposed to deliver it 
 with the expectation that it will be at once converted into money, 
 there is perhaps no equity whatever in favor of the drawer, unless 
 for a loss by negligence or default of the holder ; but any holder 
 
 (s) Rothschild v. Corney, 9 B. & C. 388, per Lord Tenterden. 
 
 (t) Per Lord Brouyhain, Bank of Bengal v. Fagan, 7 Moore, P. C. 72. A doctrine 
 to the contrary at one time prevailed, and was the ground of the decision in Down v. 
 Hailing, 4 B. «& C. 330. In this case, the payee of a check for £ 50 casually lost it ; 
 and five days after its date a woman of respectable appearance bought goods of the 
 defendants, wholesale linen-drapers and haberdashers, to the amount of .£6 10s., and 
 gave them this check ; they asked her name and wrote it down, and gave her the 
 change ; the next day they presented it for payment, and the bankers paid it. Two 
 days afterwards, the payee gave notice to the bankers not to pay it, but, finding it had 
 been paid, called on the defendants, and In-ought this action for money had and re- 
 ceived. Abbott, C. J. left it to the jury, whether the defendants had not taken the check 
 under circumstances that should have excited the suspicion of a prudent man, and they 
 found for the defendants. On a motion for a new trial, the court were satisfied that, if 
 this was to be considered as lost by the plaintiff or stolen from him, the defendant, 
 who took it so long after its date, must be considered as having taken it at his peril ; 
 they however doubted whether the plaintiff should not have given some evidence of 
 losing the check ; but on further consideration of tliat point, they thought a person 
 who took such a check under such circumstances was bound to show tiiat the party 
 from whom he took it had good title to it ; and as to proof of loss, it was remarked 
 that tlie [tarty losing it might in many instances be unable to prove such loss. 
 
 Where the drawer of a check did not issue it until nine months after its date, it was 
 held, in a suit against him by an indorsee for a valuable consideration, that the check 
 wa.s not suliject to the equities existing against it in the hands of the payee, by reason of 
 tlie inilorsce'w taking it so many months after it was dated. Lord Kcnijon admitted that 
 it was to be considered as a rule, that the person who takes a bill after it is due is subject 
 fo the same equity as the party from whom he took it, though the bill did not a])pear 
 upon its face to have been dishonored ; and he tliought there was no distinction in this 
 respect itetwcen checks upon bankers and bills of exchange ; but as the defendant had 
 not issued this check until nine months after it was dated, he thought it was not com- 
 petent for him to object to the time when the plaintiff took it. Boehm v. Sterling, 7 
 T. U. 423. 
 
 Where a bank paid a check more than a year after it was drawn, out of its own funds, 
 on the credit of the drawer, who had [)aid the amount of it to the payee before it 
 hcr-ame jmyable, and wiihf)Ut giving notice of the piiyincnt to the bank, it was held 
 thpt the drawer was not liable to the bank for the amount so \r,w\. LnncMsier Ba-ik 
 p Woodward, 18 Penn. State, .If)".
 
 CH. VIII.J BONA FIDE HOLDER OF NEGOTIABLE PAPER. 27o 
 
 of his check may always claim of him the full amount, (w) Any 
 exception to this rule must arise from the peculiar circumstances 
 of the case, and from evidence that the holder took it with knowl 
 edge that its payment might be resisted by the drawer, in whole 
 or in part, on good grounds. (i>) On the other hand, a bank 
 always has all its equities and defences against a check, unless it 
 be certified ; and then it is as an accepted bill.(t«) The excep- 
 tions to this rule also must arise from the peculiar circumstances 
 of the case. 
 
 (a) Alexander v. Burchfield, 3 Scott, N. R. .555, 7 Man. & G. 1061 ; Robinson 
 r. Hawksford, 9 Q. B. 52 ; Serle v. Norton, 2 Moody & R. 401 ; Murray v. Judah, 
 6 Cowen, 490; Littler. Phenix Bank, 2 Hill, 426; Daniels v. Kyle, 1 Kelly, 304, 
 
 5 Ga. 245; Shrieve v. Duckham, 1 Littell, 194; Flemming v. Denny, 2 Pliilad. 
 Ill, 13 Leg. Intelligencer, 140; Pack v. Thomas, 13 Smedes & M. 11 ; East 
 River Bank v. Gedney, 4 E. D. Smith, 582; Smith v. Janes, 20 Wend. 192 ; Matter 
 of Brown, 2 Story, 516 ; Morrison v. Bailey, 5 Ohio State, 13, per Beattij, J ; Tryon 
 i>. Oxley, 3 Iowa, 289 ; Foster v. Paulk, 41 Maine, 425 ; Harbeck v. Craft, 4 Duer, 
 122 ; Hoyt v. Seeley, 18 Conn. 353. 
 
 In Alexander v. Burchfield, si//jra, Patteson, J. said: "As between the drawer of 
 a check and the holder, if presentment is deferred to such a time that inconvenience 
 has been sustained, the time may be deemed unreasonable ; but if none has resulted, I 
 see nothing unreasonable in a presentment, I should even say, at any time within six 
 years." A similar statement was made by Creswell, J. in Laws i'. Rand, 3 C. B. 
 N. 9 442. In Mullick v. Radakissen, 9 Moore, P. C. 46, 28 Eng. L. & Eq. 86, 
 Parke, B. said that a check " is more like an appropriation of what is treated as 
 ready money in the hands of the banker, and in giving the order to appropriate to a 
 creditor, the person giving the check must be considered as the person primarily 
 liable to pay, who orders his debt to be paid at a particular place, and as being 
 much in the same position as the maker of a promissory note, or the acceptor of a bill 
 of exchange, payable at a particular place, and not elsewhere, who has no right to 
 insist on immediate presentment at that place." In a few cases, the drawer of a check 
 payable at a future day has been considered conditionally liable, and dischari^cd for 
 want of due diligence in making presentment and giving notice of dishonor, though 
 he has suflFered no loss. Bradley v. Delaplaine, 5 Harring 305 ; Glenn v. Noble, 1 
 Blackf. 104 This doctrine, however, cannot be supported on authority or principle. 
 
 (v) Anderson v. Busteed, 5 Duer, 485. See also Thompson v. Hale, 6 Pick. 259. 
 
 (w) Robson V. Bennett, 2 Taunt. 388; Barnct v. Smith, 10 Foster, 256 ; Willets 
 V. Phoenix Bank, 2 Duer, 121 ; Farmers' & Mechanics' Bank of Kent Co. v Butchers' 
 
 6 Drovers' Bank, 4 Duer, 219; s. c. in Court of Appeals, 4 Kern. 623. See also 
 Mussey v. Eagle Bank, 9 Met. 306 ; Hern v. Nichols, 1 Salk. 289 ; Bank of Republic 
 V. Baxter, 31 Vt. 101. 
 
 After a bank has certified a check, it can no more impute delay to the holder in pre- 
 senting the check for payment, than it can to the holder of one of its own notes ; for 
 the bank then becomes the principal debtor, and can set up no equities against the 
 check. Willet v. Phcenix Bank, 2 Duer, 121 If the drawer of a check procures it to 
 be certified by means of fraudulent representations, the bank may reclaim the check or 
 the money represented by it, unless it has previously been transferred or paid to one 
 who has no notice of such fraud. Bank of the Republic v. Baxter, 31 Vt. 101. 
 
 Vol. I.— S
 
 274 NOTES AND BILLS. [CH. Vffl. 
 
 Bank-bills are never dishonored by mere lapse of time. They 
 are usually protected by statute, even against the statute of limi- 
 tations, and are good as against the bank which issues them at any 
 subsequent period. Even if the bank be broken, and the bills 
 have been demanded and refused, tliey are still salable, and very 
 frequently sold and resold ; and the purchaser acquires all the 
 rights of a holder as against the bank or upon its assets. 
 
 What rights the holder has against the party from whom he re- 
 ceived old bills, or bills of insolvent banks, will be considered in 
 the chapter on Payment by Bill or Note. 
 
 SECTION III. 
 
 AGAINST WHAT DEFENCES A BONA FIDE HOLDER IS PROTECTED. 
 
 The subject of this section might have been said, quite as ac- 
 curately, to be the peculiar privileges or rights which a bona fide 
 holder of negotiable paper has, although his transferrer did not 
 himself possess them. In the first place it should be remarked, 
 that in this sense, and for this purpose, no one is a bona fide 
 holder who did not take the paper for value before its dishonor ; 
 that is, before its maturity, if payable at a time certain ; or within 
 a reasonable time, if payable on demand ; or before actual de- 
 mand and refusal, and notice or knowledge thereof. 
 
 For every holder of negotiable paper who takes it after dis- 
 honor takes it subject to all equities ; or rather, to all defences 
 wliicli coukl have been made to the paper if it had not been 
 transferred to him. 
 
 It was a rule of the court of cliancery, coeval with the intro- 
 duction of uses and trusts, tliat a })urcliaser of property in good 
 I'aith, for a valuable consideration and without notice of any 
 equities or trusts to which it was subject in the hands of his 
 vendor, took the pro[)erty free and discliarged from all these equi- 
 ties and trusts. This rule, however, was strictly confined to 
 choses in possession ; because choses in action were not legally 
 assignable;. Hence th(; assignee of a chose in action had no legal 
 title, l)ut only an e(|uitable title; and when his equitable title 
 comes into conflict with the equities of other parties, the univer- 
 ■•al ruji; of clianceiy prev;iilr(l, l)y force of which, as between
 
 CH. Vra.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 275 
 
 equal equities, that which is prior in time is prior ui right. Now 
 negotiable paper is in this respect an exception to the law of 
 choses iu action. It may be assigned by indorsement or deliv- 
 ery, and the assignee acquires a legal title as complete as the 
 assignee of choses in possession. Thus, the reason for excluding 
 from the rule negotiable paper wholly failed; and in addition, its 
 peculiar nature and function absolutely required that a bona fide 
 holder should be fully protected. Accordingly, courts of law 
 have for a long period in England, and always here, extended to 
 the bona fide holder of negotiable paper a similar protection to 
 that which chancery gave to the assignee of choses in possession. 
 For the application of this important rule, it must be remem- 
 bered that no holder is entitled to its benefit who has not a com- 
 plete legal title to the paper ; and we shall presently see how 
 many transfers of negotiable paper this necessity of legal title 
 opens to all equitable defences. 
 
 As no one is a bona fide liolder in this sense who has notice 
 of a defence against the paper, no one who takes it after dishonor 
 is such bona fide holder, because the dishonor itself is notice to 
 him that there is some defect or defence. Hence tlie rule, that 
 one w)io takes paper for value after dishonor is open to all 
 equitable defences. (a;) 
 
 It 's certain that, by the general course and weight of the au- 
 thorities, one who takes paper after dishonor is subject to all equi- 
 ties ; and he who takes it in good faith for value before dishonor 
 is subject to no equities. What these equities are, we shall con- 
 sider fully hereafter in the chapter on Defences. 
 
 The bona fide holder of negotiable paper before dishonor is not 
 protected against those defences which go to tlie essence of the 
 paper, and either by common law or statute annul and avoid the 
 contract, or which interfere with and prevent his acquiring a le- 
 gal title to the paper.(y) Thus a person whose name is forged, (s') 
 
 (x) Brown v. Davies, 3 T. R. 80, per Bdler, 3. ; Beck v. Robley, 1 H. Bl. 89, note a ; 
 Little V. Dmilop, Busbee, 40; Williams v. Nicholson, 25 Ga. 560; Howard v. Ames, 
 3 Met. .308 ; Mackay v. Holland, 4 Met. 69 ; Potter v. Tyler, 2 Met. 58 ; M'Neill v, 
 M'Donald, 1 Hill, S. Car. 1 ; Mosteller v. Bost, 7 Ired. Eq. 39 ; Connery 7;. Kendall, 
 5 La. Ann. 515; Sawyer i;. Hoovey, 5 La. Ann. 153; Lancaster Bank v. Wood- 
 ward, 18 Penn. State, 357 ; Clay v. Cottrell, 18 Penn. State, 408 ; Baker v. Wheaton, 
 5 Mass. 509 ; Bond v. Fitzpatrick, 4 Gray, 89. 
 
 (y) See,s«/);a, pp. 217, 218. 
 
 (r) Canal Bank 0. Bank of Alhany, 1 Hill, 287.
 
 27^1 NOTES AND BILLS. [CH. VIIL 
 
 or whose note is materially altered, (a) is never liable to tlie par- 
 ties who took the paper innocently and for value on the credit of 
 his name ; unless his own default was a cause of the forgery or 
 alteration, (6) or of the taking by the holder, in the belief that 
 the paper was genuine. So, wherever a note tainted with usury 
 is thereby annulled, it has no force between any subsequent par- 
 ties, (c) And if the paper be illegal on any ground which makes 
 it null and void as between the original parties, it is equally void 
 in the hands of subsequent parties. (c?) A distinction may per- 
 haps be taken between notes obtained by fraud and those ob- 
 tained by force or duress. In the former case, we should say 
 that the defrauded party would generally be liable to a bona fide 
 holder. But a note or bill obtained by duress might not be avail- 
 able in any hands against the party so compelled ; and if the note 
 were a good note, and a subsequent party indorsed it by duress, 
 he would not be bound to any one ; but a subsequent indorsee, 
 Avho indorsed it over for value, would be bound to his own in- 
 dorsee, or to those deriving title from him. But we are not aware 
 that this question has been determined by authority. (e) 
 
 In the next place, a bona fide holder is not protected against 
 the defence of incapacity, if that be complete, however it be 
 created. Thus an infant,(/) or married woman, (^j-) or luna- 
 
 (a) Master v. Miller, 4 T. R. 320 ; "Woodworth v. Bank of America, 19 Johns. 391 ; 
 Clute V. Small, 17 Wend. 238 ; Nazro v. Fuller, 24 Wend 374 ; Bruce r. Westcott. 
 3 Barb. 374. See Lisle v. Rogers, 18 B. Mon. .^28 ; Bumpass v. Timms, 3 Snecd, 459. 
 
 (h) As where a blank is carelessly left. See supra, pp. 109-113, 115; Isnard v. 
 Torres, 10 La. Ann. 103. 
 
 (c) Itarnsdeil v. Morgan, 16 Wend. 574; Keutgen v. Parks. 2 Sandf. 60; Clark v. 
 Loomis, 5 Diicr, 468. In Hall v. Wilson, 16 Barb. 548, it was held that tiie discount 
 or purciiase of a stolen note at a greater discount than ttie legal rate renders the trans- 
 ac>"ion usurious and the note void, notwithstanding the transuction is in form a purciiase 
 of the note of a person other than the maker, wiio represents it to he a business note 
 and valid. The note in this case was for $ 120, payal)]e to A or bearer. It was stolen 
 by a laborer, and transferred to B for S 1 15, wlio transferred it before maturity to the 
 plaintiff, firld, that the plaiiititf could not recover. 
 
 {il) See si/;»m, p. 214. Weed v. Bond, 21 Ga. 195. 
 
 («) In Duncan v. Scott, I Camp. 100, the action was brought by the indorsee of a 
 bill aL'ainst the drawer. It was helil, that if it appeared tliat the ilefcndant drew with- 
 out con-<idcration and under duress, it was incumbent on the i)laintiff to prove that ho 
 pave value for it, nlthougli it was indorsed before due. This case seems to place 
 duress on tlic same footing as fraud, in whidi ease, as wo have seen, a h<ina Jii/e holder 
 may recover. 
 
 ( /") Sec siiprn. p. 67, note /"; p. CiK, note <:. 
 
 (7) Sec Hii/ini, p. 79. 
 
 o
 
 CH. Vm.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 277 
 
 tic, (A) or spendtlirift under guardianship, would not be held by 
 his signature, to any person, however innocently he became the 
 holder. 
 
 The same rule must apply to the case of a supposed agency, 
 without any real or sufficient authority. For if A signs paper as 
 the agent of B, B does not sign it, nor can he be affected with 
 any of the liabilities of signature, unless A was his agent, cither 
 on the ground that he had actual authority from B, or that B, 
 without giving this authority, had so spoken or acted as to justify 
 the holder, or some one from whom he derives title, in the belief 
 that B had given A this authority. For, as we have already seen, 
 A would be equally the agent of B in law, on either of these 
 grounds, (i) 
 
 Either of these incapacities, or indeed any other, may operate 
 against the claim of the holder in either of two ways. If the 
 incapacity attended the making of the note, then the infant, or 
 lunatic, or married person, or person under guardianship, or un- 
 authorizing principal, will not be held ; but subsequent parties 
 who are not incapacitated may be held to a bona fide indorsee 
 who is subsequent to them.(/) On the other hand, if the paper 
 is free from all objection of this kind until the last indorsement, 
 and that is tainted by any such incapacity, the holder acquires no 
 legal title, and no rights to the paper or against any parties upon 
 the paper. 
 
 There is another broad distinction in respect to the rights of 
 the bona fide taker, which should be distinctly apprehended. It 
 is this. He receives at his own peril all negotiable paper which 
 is assigned to him by written transfer, and cannot be assigned to 
 him by delivery only. Whereas he is generally protected as the 
 holder of paper transferable by delivery. Thus, one steals or 
 finds a note negotiable by indorsement, and forges the indorse- 
 ment ; now the holder by this title can make no claim against any 
 one, because the written transfer confers no title upon him. And 
 this is true if the finder or thief happened to have the same name 
 
 {h) See supra, p. 150, note p. 
 
 'i) See Weathered v. Smith, 9 Texas, 622 ; and supra, pp. 1 18 - 120. 
 
 (j) In Erwin v. Downs, 15 N. Y. 575, a note was made by two married women, and 
 indorsed by the defendant for their accommodation. It was held that the defendant 
 was liable to a bona Jide holder, although he knew at the time that the makers were 
 married women. 
 
 VOL. I. 24
 
 278 NOTES AND BILLS. [CH. VIII 
 
 with the previous payee or indorsee, and therefore wrote his own 
 name upon the paper, because the question always is, Had the 
 indorser the legal power and right to transfer the paper by his 
 indorsement ? for if not, the holder derives no title from his in- 
 dorsement. 
 
 It may be well to remark, that although negotiable paper pay- 
 able to order is not transferable by delivery only, but becomes 
 so transferable by an indorsement payable to bearer, or by an 
 indorsement in blank, yet a bona fide holder of such paper by 
 delivery only is protected against everything subsequent to the 
 delivery of the paper, if it is afterwards indorsed to him, the in- 
 dorsement relating back to the time of delivery, as to any equity 
 outside of the note itself. (A") 
 
 But if the paper is originally made negotiable by delivery, or 
 becomes so by indorsement in blank, then it is in the power of 
 any party, however wrongful his possession, to do all that is ne- 
 cessary to transfer the property ; for delivery is of itself suffi- 
 cient. Hence the holder takes now only the risk of his own hon- 
 esty ; for although his transferrer had himself only possession, 
 and would have made no title whatever as against any prior 
 party, the paper is nevertheless so far like money in his hands, 
 tliat his innocent transferee for value acquires full property in it, 
 and all the rights incidental to this property. (/) 
 
 If A holds paper indorsed to him, and B steals or finds it and 
 forges A's indorsement to himself, and then indorses it for value 
 to C, C to D, D to E, &c., each of these parties has a valid claim 
 on B, and on all prior parties as far back as B ; but no one of 
 tliciii has any claim against A, the original owner, or any party 
 before B. The true owner has never lost his property in the 
 paper, but may still enforce his rights under it, in the manner 
 prescribed for a lost note, against all who were parties when he 
 lost it.(m) 
 
 It should be added, that if })aper properly assignable only by 
 
 indorsiMuent be delivered without indorsement, the transferee 
 
 . lias but an equitable title. He may have, however, a right to a 
 
 legal title, and therefore to an indorsement, if this be necessary 
 
 (/>•) Riintjcr V. Gary, I Met. 3G9 The court a])pcar to limit tho rule to \he case <jf 
 Bit equity outside of the note itself. 
 
 (/) Caruth i). Thompson, 16 B. Mon. 572. 
 (m) See sujtru.
 
 CH. VIII.] BONA FIDE HOLDER OF NEGOTIABLE PAPER. 27? 
 
 to make his title legal ; and a court of equity would compel such 
 indorsement. And we should say that the indorsee would then 
 have the same rights and the same protection as if the indorse- 
 ment had been made at the time of the assignment ; because it 
 would relate back to that time, as it is given now only because it 
 ought to have been given then. The absence of indorsement is 
 a merely technical objection ; for the actual transfer for value 
 passes the property in tlie paper substantially, and the indorse- 
 ment is needed only to make that transfer formal. (w) 
 
 It will follow from what has been already said, that if a bona 
 fide holder has acquired a perfect legal title, and the instrument 
 is not made void by statute, and the parties to it are under no 
 personal disability, he holds the paper subject to very few, and 
 we might almost say to no defences whatever. Thus, it is 'no 
 sufficient defence against him, that there was no original con- 
 sideration ; (o) or that the consideration has failed ; [p) or that 
 the consideration was illegal, as where the note was given for 
 liquors sold contrary to law ; {q) or on an agreement not to fur- 
 ther prosecute the maker on a complaint for adultery with the 
 wife of the payee ; (r) or for procuring the legislature to pardon 
 a convict ; (5) or that the note was given as an escrow ; [t) or that 
 the indorsement grew out of an illegal transaction, or was ob- 
 tained by fraud ; (m) or that the note was obtained by fraud or 
 
 (n) See supra, note k. 
 
 (0) See p. 186, notey"; Martin v. Hamilton, 5 Harring. Del. 314. 
 
 (pj See p. 188, note g. 
 
 {q) Most of the statutes against selling liquors provide that the note shall be void 
 between the original parties, but valid in the hands of a bona fide holder without notice 
 The Massachusetts act provides that such notes " shall be void against all person? 
 holding the same with notice of such illegal consideration, either direct or implied by 
 law." Under this statute it has been held that, if the defendant shows that a note was 
 given for li(iuor, the plaintiff must prove that he took it without notice. Holden v. 
 Cosgrove, Suffolk, Nov. 1858; Sistermans v. Field, Bristol. Oct. 1858; Barnard v. 
 Flint, Berkshire, 1860. And see Paton v. Coit, 5 Mich. 505; Wyat v. Campbell, 
 Moody & M. 80. See also, generally. Doe v. Burnham, 1 1 Foster, 426 ; Johnson v. 
 Meeker, 1 Wis. 436 ; Norris v. Langley, 19 N. H. 423 
 
 (r) Clark v. Ricker, 14 N. H. 44. 
 
 (s) Meadow v. Bird, 22 Ga. 246. 
 
 (t) Vallett V. Parker, 6 Wend. 615. 
 
 \u) Humphrey v. Claj-k, 27 Conn. 381. So, if a party makes or indorses a note, for 
 the purpose of its being used in a particular way, he takes the risk of its being used in 
 a different way, and cannot refuse to pay it to any bonajide holder into whose hands it 
 may come. Sweetser v. Frencn, 2 Cush. 309, 313.
 
 280 NOTES AND BILLS. [CH. Vm 
 
 Stolen ; (v) or that it has been ah-eady paid to the original payee, 
 or to some just holder ; (w) or that the instrument was delivered 
 to the payee in blank, with authority to insert a certain sum, and 
 that he has inserted a much larger sum.(.-c) In all of these cases, 
 the courts will afford no remedy to the payee, or to any subse- 
 quent party chargeable with notice or knowledge of the defence ; 
 but the paper is not absolutely void, and the bona fide holder is 
 protected against all these defences. 
 
 (w) Gould V, Segee, 5 Duer, 260 ; Powers v. Ball, 27 Vt. 662 ; Humphrey v. Clark, 
 27 Conn. 381 ; Kelly v. Smith, 1 Met. Ky. 313 ; Peacock v. Rhodes, 2 Doug. 633. 
 
 (w) See supra, p. 230, note w ; Griswold v. Davis, 31 "Vt. 390. 
 
 (z) See Putnam v. Sullivan, 4 Mass. 45 ; Griggs i;. Howe., 31 Barb. 100, affirnaed, 
 Van Duzer v Howe, 21 N. Y. 531 ; and supra, p. 115.
 
 CH. IX.] WHAT CONSTITUTES ACCEPTANCE. 28] 
 
 CHAPTER IX. 
 
 ACCEPTANCE. 
 
 Acceptance may be defined to be an agreement to comply with 
 the request contained in a bill of exchange. (y) It may be ex- 
 press or implied ; verbal or written ; prior to drawing the bill ; 
 before or after maturity ; absolute, qualified, or conditional ; by 
 all the drawees, by a part of them, or by one who is not a drawee, 
 if he accepts for the honor of the drawer or any indorser. The 
 acceptance is complete when in exact conformity with the tenor 
 of the bill ; qualified, when it is an agreement to pay the bill, but 
 at a different time, place, or in a different manner from the tenor 
 thereof; conditional, when the obligation of payment is to com- 
 mence on the happening of some event or circumstance. We 
 will first consider what constitutes acceptance. 
 
 SECTION I. 
 
 WHAT CONSTITUTES ACCEPTANCE. 
 
 The usual manner of accepting is for the drawee to write 
 across the face of the bill, frequently in red ink, the word " Ac- 
 
 iy) " An acceptance is an engagement to pay a bill according to the tenor of the 
 acceptance." Bayley, c. 6, § 1 ; Kyd, c. 6 ; Edwards, p. 405. " The act by which the 
 drawee evinces his consent to comply with, and be bound by, the request contained in 
 the bill of exchange directed to him. or, in other words, it is an agreement to pay the 
 bill when due." Chitty, p. 280. "An assent and agreement to comply with the re- 
 quest and order contained in the bill, or, in other words, it is an assent and agreement 
 to pay the bill, according to the tenor of the acceptance, when due." Story, ^ 238. 
 " An engagement to pay the bill when due." Lawrence, J., Clarke v. Cock, 4 East, 57, 
 72. " An engagement of the one party acceding to the proposition of the other." 
 Bayley, J., Jeune v. Ward, 1 B. & Aid. 653, 659. " An engagement by the drawee to 
 pay the bill when due in money." Byles, p. 142. The objections to this last defini- 
 tion are, that an acceptance may be by a person other than the drawee, as in the case 
 of an acceptor for honor ; that the words " when due " are hardly correct, as an accept- 
 ance after maturity is valid ; and that " in money " is surplusage, because, a bill of 
 exchange being a writt^^n order for tlie payment of money, an engagement to pay the 
 bill mn<t be to pay in money, for a bill not payable in money is not a bill of exchange. 
 24*
 
 282 NOTES AND BILLS. [CH. IX. 
 
 cepted," and sign his name to this. It is certainly sufficient if 
 stamped or printed on the bill,(z) and probably sufficient if writ- 
 ten in pencil. (a) The date is immaterial, unless the bill is paya- 
 ble so many days after sight, or after acceptance ; in that case it 
 usually is, and always should be, added ; but if not added, the 
 actual date may be shown by evidence ; and will then have the 
 same effect as if it were written. (6) No special form or manner 
 or words of acceptance are necessary ; (c) nor is the signature of 
 the drawee essential, although usual and proper, (c?) The rule 
 seems to be, as drawn from the authorities and the reason of the 
 case, that if a bill is presented to a drawee for the purpose of 
 obtaining his acceptance, and he does anything to or with it 
 which does not distinctly indicate that he will not accept it, 
 he is held as an acceptor ; for he has the power, and it is his 
 duty, to put this question beyond all possibility of doubt. (e) 
 Thus " Accepted," without a signature, (/) or even " Pre- 
 sented,"(o-) or "Honored,"(A) or "I will pay the bill,"(i) or 
 
 In Petit V. Benson, Comb. 4.52, it is assumed that an acceptance payable half in money 
 and half in bills is valid as to the part payable in money, and not as to the part paya- 
 ble in bills An acceptance must be to pay in money ; an acceptance to pay by another 
 bill is no acceptance. Russell v. Phillips, 14 Q. B. 891. An acceptance is not a 
 collateral promise to pay the debt of another within the statute of frauds. Raborg v. 
 Peyton, 2 Wheat. 385; Fisher v. Beckwith, 19 Vt. 31. See Storer j;. Logan, 9 Mass- 
 55, 60. 
 
 (z) See Schneider v. Norris, 2 Maule & S. 286. 
 
 (a) Sitpra, p. 21, note ^. 
 
 (6) Keniier v. Creditors, 20 Mart. La. 36, 1 La. 120. See Glossop o. Jacob, 4 
 Camp. 227. 
 
 (c) Spear v. Pratt, 2 Hill, .'582, ^v^lere the signature of the drawee across the foce of 
 the bill was Iicld a valid acceptance, even under the statute requiring acceptances to be 
 in writing aixl signed. 
 
 (</) PhiHij)-; ». Frost, 29 Maine, 77 ; Dufaur v. Oxcnden, 1 Moody & R. 90. In this 
 ca«c it was left to the jury to decide wliether tlic acceptance was complete, and they 
 decided that it was. 
 
 (ft) See (.'oiviH, J., Spear v. Pratt, 2 Hill, 582 ; Harvey i;. Martin, 1 Camp. 425, note ; 
 Jeune v. Ward, 2 Stark. 326. 
 
 {/) See siipnt, note d. 
 
 {;;) I loll, C/. J., Anonymous, Comb. 401. 
 
 (It) Story on Bills, ^ 243. 
 
 (i) Ward V. Allen, 2 Met. 53 ; Lord Ellcriboroiu/li, C. J., Wynne v. Raikcs, 5 East, 
 514 ; Lcacli v. Hut-hanan, 4 Es|). 226. In ImIsou v. Fuller, 2 Foster, 183, a parol prom- 
 ise " to settle " a note was lield a valid acceptance of an order indorsed upon it for the 
 amount due. So where the cashier of a bank jjronounced a check drawn upon it 
 "Kood." Burnet v. Smith, 10 Foster, 256. Where the drawee wrote on the back of a 
 bill, " 1 will SIC the within jiaid eventually," and signed it, it was held a valid accept
 
 GH. IX.] WHAT CONSTITUTES ACCEPTANCE. 283 
 
 " Secii,"(y) or the day and month when presented, (A;) or a written 
 direction by the drawee to some other person to pay the bill,(Z) or 
 the mere signature of the drawee, (wi) have been heki equivalent to 
 an acceptance. Probably if it could be shown by evidence that 
 any of these acts, which might be considered ambiguous, was not 
 intended to be taken as an acceptance, and in fact was not so 
 taken, and that there was no fraudulent design, such act or word 
 would not bind as an acceptance. It has indeed been said, that 
 " I will not accept this bill," being written upon it, is, by the cw- 
 tom of merchants, a good acceptance. But it is incredible that 
 such a mode of acceptance should ever be customary, and it is 
 difficult to maintain such a rule of law. If the refusal were fraud- 
 ulent, and intended to be understood as an affirmative accept- 
 ance, and was, in fact, so understood, there would undoubtedly 
 be some adequate remedy against the perpetrator of the fraud ; 
 but even then it would not be easy, on legal principles, to make 
 this an acceptance. (w) 
 
 ance binding forthwith. Brannin v. Henderson, 12 B. Mon. 61. See also infra, ^ 2, 3. 
 A statement by the drawee of a bill to a third party, not privy to the bill, nor an agent 
 of any one interested in it, that he " must pay," or " would have to pay " it, is not an 
 acceptance, nor admissible alone as evidence from which a jury may find an acceptance. 
 Martin v. Bacon, 4 Const. R. 132. A bill had been left with the drawee for accept- 
 ance. The drawee subsequently returned it to the holder's clerk, saying, " There is 
 your bill ; it is all right " Held by Lord Keni/on as evidence of acceptance. Powell v. 
 Jones, 1 Esp. 17. It has been said, that whether there has been an acceptance or not 
 is a question of law upon the facts found. Barnet v. Smith, 10 Foster, 256 ; Edson v. 
 Fuller, 2 id. 183; Sproat v. Matthews, 1 T. R. 182. If the drawee says he cannot 
 accept until further directions from A, and A afterwards desires him to accept and 
 draw upon B for the amount, the mere drawing upon B is not an acceptance until the 
 bill is accepted by B. Smith v. Nissen, 1 T. R. 269. 
 
 (j) Eastman, J., Barnet v. Smith, 10 Foster, 256 ; Cowen, J., Spear ». Pratt, 2 Hill, 582. 
 
 (k) Holt, C. J., Anonymous, Comb. 401 . In Powell v. Monnier, 1 Atk. 61 1, the defend- 
 ant received the bill before it was due, kept it ten days, entered it in his bill-book under 
 a particular number, marking that number and a date upon the bill, and wrote to the 
 drawer tliat the bill "should be duly honored and placed to his debt." Lord Hard- 
 wicke observed : " Now it has been said to be the custom of merchants, that, if a man 
 underwrites anything, let it be what it will, it amounts to an acceptance ; but if there 
 was no more than this in the case, I should think it of little avail to charge the defend- 
 ant" The letter was, however, held to amount to an acceptance. 
 
 (I) l\Ioor V. Wilhy, Buller, N. P. 270. 
 
 (m) Spear v. Pratt, 2 Hill, 582. 
 
 n) Lumley v. Palmer, Cas. Temp. Hardw., London ed., 74. But in Bayley on Bills, 
 164, note (2d Am. ed.), it is added : "But by Lord Mansfield, in Peach v. Kay, in sit- 
 tings after Trinity term, 1781, ' it was held by all the judges, that an express refusal to 
 accept, written on the bill, where the drawee apprised the party who took it away what
 
 '284 NOTES AND BILLS. [CH. IX. 
 
 That a drawee may refuse acceptance is certain ; and bills are 
 every day protested in all commercial cities for non-acceptance. 
 But it would seem that the proper and only safe way of non- 
 accepting is to make a positive refusal in words, but without writ- 
 ing. Even if a drawee silently detains a bill for a considei-aljle 
 time, it ha-i been said that this act might be regarded as an ac- 
 ceptance. We think, however, both on authority and on reason, 
 that mere ietention or delay should not, of itself and alone, be 
 considered as the equivalent of acceptance ; but that any unrea- 
 sonable delay which caused injury to the holder without his fault, 
 or which, from the circumstances, justified the holder in believ- 
 ing that the bill was accepted, would bind the drawee as by an 
 acceptance, (o) We should say that some duty lay upon the 
 holder to inquire after his bill, and know why it was silently de- 
 tained ; and the cases sometimes indicate this.(/>) And it has 
 been held that the destruction of a bill by the drawee, when the 
 bill was left for acceptance, bound him as an acceptor ; (q) but 
 
 he had written, was no acceptance ; but if the drawee had intended it as a surprise upon 
 the party, and to make him consider it as an acceptance, they seemed to think it might 
 have been otherwise.' " See supra, p. 26, note u. 
 
 (o) In Harvey v. Martin, 1 Camp. 425, note, the drawer sent a bill to the drawee, 
 requesting him to acce))t and send it to the plaintiff, the payee. Two weeks after, 
 the drawer, learning that the hill had not been received by the payee, wrote asking 
 him again to accept and send the bill, saying that detention would be considered as 
 equivalent to acceptance, but that the payee would not give credit till the bill was 
 received. After some time the drawee informed the drawer that he had intended to 
 pay it, but now refused, as he had no funds of the drawer in his hands. The reports 
 of this case are somewhat conflicting and unsatisfactory, but it seems that detention 
 alone would have been deemed sufficient. See Jeune v. Ward, 2 Stark. 326, note, 
 I B. & Aid. 6.5.3. The length of time during which a hill may be retained without any 
 presumption of acceptance may be controlled by the usage of trade. Sec Fernandey 
 r. Glynn, 1 Camp. 426, note ; Mason v. Barff, 2 B. &. Aid. 26. Abbott. C. J. said, that 
 the doctrine that detention for an unreasonable time amounts to acceptance " is not 
 supported by the autliority of any decided case, for the cases have all been decided 
 uj>on very special circuinstances." See also Clavey v. Dolbin, Cas 'IVinp. llardw, 
 J)ul)lin ed., 264, and xiqn-a^ p, 271, n. oo. In Fvoch v, Howell, 6 Watts and S. .•i.50, 
 it WHS contended that the retention of an onhr liy the drawee until the trial, without 
 iiifr)riiiing the payee of any determination to accept, amounted to an acceptance at law. 
 But the court h(!l<l otherwise, and that it was a (piestion for the jury to consider. In 
 Home Statxis tlierc are statutory provisions on this subject. See infra, p. 28.5, note u. 
 
 (p) Jeune v. Ward, I B. & Aid. 65:1, 65'l, per llirulcy, J. 
 
 (<l) Jeune »'. Ward, 2 Stark, .'126. In this case the payee of a bill jjresented it for 
 ncceptMnce, but the ilrawee refuscil. 'I'lic bill was however luft with him. The payee 
 iiflcrwards took further steps towiirds obtiiiniiig the money by negotiation, and (inally 
 the drawee destroyed the bill, having retained it in his hands for more than a mouth.
 
 CH. IX.] WHAT CONSTITUTES ACCEPTANCE. 285 
 
 there seems no necessity for such an extraordinary construction, 
 for other and more appropriate forms of action would afford as 
 complete a remedy for the wrong done. If, after a positive re- 
 fusal to accept, the holder leaves the bill with the drawee, neither 
 his retaining it, nor, it is said, his destruction of it, will amoimt 
 to an acceptance. (/") It seems now to be settled on authority, 
 and perhaps for sufficient reason, that an acceptance need not be 
 in writing, (*•) or, if in writing, need not be on the bill itsclf,(^) 
 except where this is required by statutory provisions, as stated in 
 our notes. (m) Words, however, which are to have this effect, if 
 
 Lord Ellenhorouyh ruled at Nisi Prius that the destruction of the bill, under the cir- 
 cumstances, was equivalent to an acceptance, and a verdict was rendered against the 
 drawee. The verdict was afterwards set aside by the Court of King's Bench, Lord 
 Ellenborougk dissenting, 1 B. & Aid. 653. Lord Ellenborowjh, in his opinion on the 
 motion to set aside the verdict, seems to lay more stress on the circumstances, aside 
 from the destruction of the bill, than in his opinion at Nisi Prius, and he observes : 
 " If indeed the bill had not originally been left for acceptance, the whole case would 
 certainly fall to the ground. But I think it clearly appears from the evidence, that it 
 was so left, and the defendant, not having in a reasonable time notified his refusal to 
 accept, and having ultimately destroyed the bill, must, as it seems to me, be held liable 
 for it as the acceptor." But tiie other judges doubted whether the bill was left for ac- 
 ceptance, and declined to decide the question as presented by Lord Ellenborougk. 
 There is much difficulty in ascertaining from the reports of this case what were the 
 real facts upon which the opinions of the court were based ; and intimations are given 
 of a disposition to limit the doctrine of constructive acce|)tances, and even of regret 
 that it had been carried so far. Abboti, J. remarked : " I look with the greatest anxiety 
 at these cases of constructive acceptance, for every decision of that kind introduces un- 
 certainty upon a subject where the public interest reciuires that the greatest certainty 
 should prevail. If indeed it were res Integra, it would be most desirable that the liabil- 
 ity of the acceptor should be confined to the case of an actual acceptance on the face 
 of the bill. I own, I wish the rule had been so laid down originally." So Lawrence 
 J., Clarke v. Cock, 4 East, .57 ; Lord Keni/on, C. J., Johnson v. CoUings, 1 East, 98. 
 This subject has been regulated by statute in many States, as will appear hereafter. 
 
 (?•) This seems to have been conceded by the whole court in Jeune v. Ward, 1 B & 
 Aid. 6.53 
 
 (s) Lumley r. Palmer, Cas Temp. Hardw., London ed., 74, 2 Stra. 1000; Julian 
 V. Shohi-ooke, 2 Wils 9 ; Miln v. Prcst, Holt, N P. 181, 4 Camp. 393 ; Fairlce v. Her- 
 ring, 3 Bing. 625, 11 J. B. Moore, 520 ; Sproat v. Matthews, 1 T. R. 182 ; Walker v. 
 Lide, 1 Rich. 249 ; Fisher v Beckwith, 19 Vt. 31 ; Ward v. Allen, 2 Met. 53; Grant 
 B. Shaw, 16 Mas.s. 341 ; Edson v. Fuller, 2 Foster, 183 ; Barnct v. Smith, 10 id. 256; 
 Leonard v. Mason, 1 Wend. 522; Ontario Bank v Worthington, 12 Wend. 593; 
 Williams v Winans, 2 Green, N. J. 339. But see Bank of Ireland v. Archer, 11 M. & 
 W. 383, in which the accuracy of the report of Miln v. Prest, as given in Holt, N. P. 
 181, is doubted. 
 
 (t) Billing V Devaux, 3 Man. & G. 565 ; Hatcher v. Stalworth, 25 Missis. 376. 
 
 (u) In Alabama, an acceptance must be in writing, and signed by the acceptor or his 
 agent, Code, 1852, ^ l.')32; so in California, Comp. L. 1853, c. 27, §§ 6, 7 ; in Mis-
 
 2h6 NOTES AND BILLS. [CH. IX. 
 
 only spoken, should be clear and explicit ; (v) and if written, hut 
 not on the bill, they sliould be similar words, and should be writ- 
 ten on some paper wliicli distinctly relates to the bill. For this 
 purpose a receipt, memorandum, or letter might suffice. (?/?) 
 
 To all this, liowever, there is one important exception. If the 
 drawee accepts in writing on tlie bill, he is held witliout any ref- 
 erence to the person making the request. But if tlie acceptance 
 is only in words spoken, they have no such effect, unless spoken 
 to one then having an interest in tlie bill, or subsequently ac- 
 quiring an interest on the credit and influence of the words so 
 spoken. (.^) If the words are written, but not on the bill, the 
 rule must be substantially the same ; but the writer, because he 
 has given permanence and transferableness to his words, might 
 be held to any bona fide holder of the bill to whom they were 
 communicated. Sometimes the course of dealing between the 
 parties has an important effect. Thus, where the drawer advised 
 the drawee of the bill by letter, and the drawee replied that 
 " the bill shall have attention," it was held that these words taken 
 by themselves were not sufficiently positive and unequivocal to 
 amount to actual acceptance ; but that if it could be shown that 
 such words were used for that purpose, and with that effect, in 
 dealings between the parties, then they might be regarded as an 
 acceptance, (y) 
 
 We shall see that a bill must be presented for acceptance, 
 under penalty of certain consequences ; but it does not seem 
 that an acceptance, distinctly made, under circumstances indicat- 
 ing that the drawee knew precisely what bill he was accepting, 
 
 souri, R. S. 1835, p. 97 ; in Wisconsin, R. S. 1858, c. 60, § 7 ; and in New York, R. S. 
 pt. 2, c. 4, tit. 2, §^ 6, 7. It is enacted also in the latter State and in California, 
 that if the acceptance is written on a i)apcr other than the hill, it shall not hind the ac- 
 ceptor, except in favor of a person to whom sucii acceptance shall have been shown, 
 and who, upon the faith thereof, siiail have received the bill for a valuable considera- 
 tion. Stc Luir V. Pope, 5 Hill, 413, 7 id. 577. 
 
 In England, by Stat. 1 and 2 Geo. IV. c. 78, an acceptance of an inland bill must 
 be in writing, on the bill itself, or on a part of it, if a set of exchange. This is re- 
 enacted iind extended to Ireland by Stat. 9 Geo. IV. c. 24, § 8 ; so in New Brunswick, 
 R. S. 1854, c. 116, i) 4. 
 
 (v) Sii/ira, p. 282, note i; Recs v. Warwick, 2 B. & Aid. 113. 
 
 (w) See I'illans v. Vtm Microp, 3 Burr. 1063; Picr^on v. Dunlop, Cowp. 571 ; Pow- 
 ell V. Monnicr, 1 Atk. 611 ; Mason v. Hunt, 1 Doug. 297. 
 
 (x) Sec Martin r. Bacon, 4 Const. II. 132. 
 
 (y) Rees v Warwick, 2 Stark. 411, 2 B. & Aid. 113. Sec Parke, J., Fairlue v 
 Herring, 3 Biiig. 631.
 
 CH. DC.] WHAT CONSTITUTES ACCEPTANCE. 287 
 
 would be invalid, merely because the bill was not actually shown 
 and presented. (2) If it is presented, then — when no statute 
 intervenes — the general rule is, that any conduct of the drawee 
 from which the holder is justified in drawing the conclusion that 
 the drawee intended to accept the bill, and intended to be so 
 understood, will be regarded as an acceptance. 
 
 On this ground it has been decided that a letter from the 
 drawee to the drawer, the latter being dead and the former not 
 knowing this fact, might be treated as an acceptance. (a) The 
 death of the drawer is no objection whatever to an ordinary 
 acceptance by the drawee, whether with or without knowledge ; 
 for the death is no revocation of the bill, if it has passed into the 
 hands of a holder for value. (6) It seems that bills are sometimes 
 
 («) Fislicr V. Beckwith, 19 Vt. 31. See Clarke v. Cock, 4 East, 57 ; Cox v. Cole- 
 man, Cliitty on Bills, 288. 
 
 (a) Billing v. Devaux, 3 Man. & G. .565. 
 
 (6) Cutts V. Perkins, 12 Mass. 206. In this case the drawer, a master of a vessel, 
 having received goods on board, drew on the consignee for the amount of the freight 
 to become due on the completion of the voyage, in favor of a creditor. T'he master 
 died, his estate being insolvent. The consignee accepted the draft and paid the bill 
 with knowledge of the drawer's death. The administrator sued the consignee for the 
 freight but was not allowed to recover. 
 
 Chitty, p. 282, says : " It should seem that where a bill has been drawn in payment 
 of a df^bt from the drawer to the payee, the drawee may legally accept the bill after no- 
 tice of the death of the drawer, such death not revoking the order given in favor of a 
 iona Jide creditor." And on p. 287 : " If a person draw a bill of exchange on 
 another, and deliver it to the payee for a sufficient consideration, and the drawer then die, 
 it should seem that this, having been an appropriation of a particular fund for the benefit 
 of the payee, the death would be no revocation of the request to accept, and that the 
 drawee may accept and pay." The principal authority cited is Tate v. Hilbert, 2 Ves. Jr. 
 118 Byles, p. 17, says : "It seems that the death of the drawer of a check is a coun- 
 termand of the banker's authority to pay it. But that if the banker do pay the check be- 
 fore notice of the death, the payment is good " The authority cited is also Tate v Hil- 
 bert. These two propositions are irreconcilable. It will be observed that, altliough in 
 Cutts i;. Perkins, 2 Mass. 206, the draft was drawn for the whole of a fund, yet, in con- 
 sidering the question whether the draft amounted to an assignment, the court thought it 
 unnecessary to consider whether it was a bill of exchange or not. The question as to how 
 far a bill of exchange or a check operates as an assignment is considered subsequently. 
 The correct doctrine, it will be seen, is, that after acceptance the bill is considered as an 
 assignment. Hence the question, on the point now under consideration, is whether the 
 death of the drawer, after he has given up all control over that part of the fund in the 
 hands of the drawee which is equal to the amount of the bill, can have any effect on 
 the right of the drawee to do all that is wanting to make the bill a complete assign- 
 ment. 'I'his right on the part of the drawee to complete the assignment would seem to 
 be a privilege of his own, and it is somewhat difficult to see how the death of the 
 drawer can affect it. The drawer has given the holder a written instrument, authoriz-
 
 288 NOTES AND BILLS. [CH. IX 
 
 drawn directing the drawee to pay " without acceptance." Such 
 an instrument is still a bill of exchange, (c) and it has been said 
 that these words merely permit the holder to make no present- 
 ment for acceptance until the bill has become payable. (^) It 
 may be, however, that such words are used to insure the holder 
 against any ill effect of want of presentment for acceptance. It 
 has been said, also, that these words would exempt the drawer 
 from liability to pay merely on non-acceptance, leaving him lia- 
 ble, of course, on non-payment. (e) 
 
 There is a class of cases in which the act of drawing itself 
 constitutes acceptance ; as where a person draws a bill upon 
 himself ; (/) or does not address it to any one ; (g) or where a 
 partner draws, in his own name, upon the firm of which he is a 
 member for partnership purposes ; (h) or where a bill is drawn 
 by an officer of a corporation, legally authorized so to do, on the 
 corporation. (i) Such instruments are, however, in legal effect 
 promissory notes. 
 
 If a party accepts a bill in which no drawee is named, and 
 there is nothing in the bill to indicate that the party accepting 
 is not the drawee, this acceptance operates, generally at least, 
 as an admission by him that he is the drawee. We should say 
 that the bill should then be considered complete, and he be iield 
 
 ing the latter to apply to the drawee for the assignment of certain funds. The holder, 
 if the bill was received for a sufficient consideration, has an interest in this authority, 
 — not merely in the proceeds of the hill, hut in the hill itself (see the distinction 
 taken hy .^fdishall, C. J., in Hunt v. Rousmanicr, 8 Wheat. 201 ) ; and the rule is, that 
 an authority coupled with an interest is irrevocahle. 
 
 (c) And may he so descrihed in an indictment for forgery. Queen v. Kinnear, 2 
 Moody & K. 117. In Miller v. Thomson, 3 Man. & G. 576, such an instrument was 
 declared on as a promissory note ; hut in that case the hill was drawn upon a joint* 
 stock Icmk hy the manager of one of its branch banks. 
 
 {(J) Qw'vn V. Kinnear, 2 Moody & R. 117. 
 
 (e) Miiiile, J., Miller v. Thomson, 3 Man. & G. 576, 579. Sed queer e. 
 
 if) Curmingham v. Wardwell, 3 Fairf 466; Roach v. Ostler, 1 Man. & R. 120 
 Sec Hasey v. White Pigeon B. S. Co., 1 Doug. Mich. 193. 
 
 ifl} See Dougal v. Cowles, 5 Day, 511 ; Marion, &c. R. Co. v. Ilodgc, 9 Ind 163. 
 
 (//) I)ou!.'al V. Cowles, 5 Day, 511. See Miller v. Thomson, 3 Man. & G. 576. 
 
 (i) Hasey v. White Pigeon B. S. Co , 1 Doug. Mich. 193; Miller v. Thomson, 3 
 Man. & G. 576. Such an instrument is a clear acknowledgment of an indebtedness, 
 and may he the foundation of an action. Marion, &c. R. Co. v. Hodge, 9 Ind. 163. It 
 muit he presented in a reasonable time for payment. Marion, &c. R. Co v. Dillon, 7 id, 
 404. Contra, Fairchild v. O. C. & R. R. Co , 15 N Y. 337. 'Hio declaration in an 
 action against the corporation must allege that the orders had been presented for pay 
 ment Marion, &c. R. Co. v. Ivoraax, 7 Ind. 648 ; Marion, &c R. Co. v. Dillon id. 40 4
 
 CH. IX.] WHAT CONSTITUTES ACCEPTANCE. 289 
 
 liable as an acceptor. (7) If there is no date to an acceptance, 
 the presumption of law is tliat it was accepted before due, and 
 whoever asserts that the acceptance was after maturity must 
 prove it. This presumption would rest on the course of business, 
 as making this usual and actually probable, and also on the prin- 
 ciple tliat the instrument becomes thereby more perfectly what 
 it purports to be, a regularly negotiated bill of exchange. 
 
 But although every acceptance is presumed to have been 
 made within a reasonable time after the date of tlie bill, and 
 before it falls due, (A;) yet it is not invalid because made after 
 maturity. The acceptor, in such case, is liable to pay on de- 
 mand, and if the declaration states the acceptance to be " accord- 
 ing to the tenor and effect" of the bill, these words are consid 
 ered surplusage. (/) Acceptance may also be made after a 
 previous refusal to accept ; (m) but it has been held that, if the 
 holder of a bill payable a certain number of days after sight 
 elects to consider what passes on presentment as a refusal to 
 accept, and protests the bill, he is bound by such election as to 
 the other parties to the bill ; and if he neglects to give them 
 notice of dishonor, they are discharged, although the drawee 
 retracts his refusal the next day, and accepts. (w) An accept- 
 
 (;■) Gray v. Milner, 3 J. B. Moore, 90; Regina v. Hawkes, 2 Moody, C. C 60; 
 Wheeler v. Webster, 1 E. D. Smith, 1. There hardly seems to be sufficient reason for 
 the remark of Patteson, J., Davis ». Clarke, 6 Q. B 16, that this decision "goes to the 
 extremity of what is convenient." Considerable doubt has also been thrown upon this 
 point by the case of Peto v. Reynolds, 9 Exch. 410. But the objections are hardly satis- 
 factory. It is said in Gray v. Milner, supra, that, the bill being addressed to the inhab- 
 itant of a particular hou^, the defendant's acceptance was conclusive evidence that he 
 lived in that house, and consequently the drawer was induced to look no further. But 
 why may not the acceptance be as well conclusive evidence that the acceptor was the 
 party intended to be drawn upon, and thereby the drawer was induced to look no further ? 
 The objection, that, if such an instrument was presented to two or more acceptors, each 
 of whom prnmises to pay, there would be some doubt as to which was the acceptor, is 
 likewise unsatisfactory. It would be clearly the first, and the names of subsequent 
 acceptors would be mere sui^plusage, as in the bill where a drawee was named. With 
 regard to the case of Regina i). Hawkes not being entitled to the same weight of author- 
 ity as a decision pronounced in the presence of the public, it might be suggested that 
 certainty is much more requisite in an indictment for forgery than in a declaration in 
 a civil suit. 
 
 (k) Roberts v. Bethell, 12 G. B. 778. 
 
 (/) Jackson v. Pigott, 1 Ld. Raym. 364 ; Mutford v. Walcot, id. 574 ; Stein v. 
 Yglesias, 1 Cromp M. & R. 565 ; Billing r. Devaux, 3 Man. & G. 565 ; Christie ». 
 Pearl, 7 M. & W. 491. 
 
 (m) Wynne v. Raikes, 5 East, 514. 
 
 <n) Mitchell v Degrand, 1 Mason, 76. 
 
 Vol. I.— T
 
 290 NOTES AND BILLS. [CH. IX. 
 
 ance may be made prior to drawing the bill, by writing the name 
 of the acceptor across the face of the paper ; and if the acceptor 
 delivers it as an acceptance, he is estopped from saying that he 
 delivered it before the bill was drawn, nor need the holder prove 
 any custom of merchants thus prematurely to accept an intended 
 bill, nor will there be a variance if the declaration states the 
 drawing of the bill in the usual form, and that the drawee after- 
 wards accepted. We think, however, the paper should be filled 
 up and used within a reasonable time after it was signed. (o) 
 The acceptor of such a paper may be made liable for any amount 
 which the person receiving the paper chooses to insert in the 
 bill ; nor is it necessary that the bill be drawn by the same 
 person to whom the blank acceptance is handed. (7?) 
 
 A factor who receives and holds goods against which a bill of 
 exchange is drawn, acquires a lien on the consignment for the 
 amount of the bill, even thougli the goods are not in his possession, 
 but are still in the hands of a forwarder. (<7) It is however well 
 settled, that a bill of exchange drawn against a consignment of 
 goods does not generally operate as a specific appropriation of the 
 goods or their proceeds to the payment of the bill, either at law or 
 in equity. (/•) And if a person has goods or funds in the possession 
 of another, he cannot by drawing a bill on that person render 
 
 (0) Molloy V. Delves, 4 Car. & P. 492, 5 Moore & P. ST.") ; Bank of Limestone v. 
 Penick, .5 T. B. Mon. 25. In Montague v. Perkins, C. B. 1853, 22 Eng. L. & Va\. 516, 
 it was held that it is no defence that an aeceptance was given in blank to the drawer, 
 and that the hill was not issued until twelve years after; the jtatute of limitations eom- 
 mcnciiig to run from the tinio the hill was due as filled up, and not from the time il 
 would have become due if completed when accepted in blank. In Tem()le v. Pnllen, 
 8 Exch. .3S9, it was held proper to leave the question to the jury to say wlRtiur a note 
 which was not filled up till six years after the signature in blank, was filled up within 
 a reasonable time, considering the circumstances of the defendant and his ability to 
 pay the note. The same doctrine sceins to have been decided with regard to a blank 
 acceptance, in Mulhall v. Neville, 8 Exch. 391, note. The authority given by a blank 
 acceptance to fill it up is not lost merely because the drawer by mistake antedates the 
 insn-uiiicnt a year, although it is made payable a certain time after date ; and if the 
 period has elapsed from the time of the completion of the instrument, an action may 
 be maintained upon it, and the variance will be amendable. Armfiold v. Allport, 3 H. 
 & N. 911. 
 
 (/>) Schnlfz V. Astlcy, 2 Ring. N. C. 544, 7 Car, & P. 99. 
 
 (7) Davis V. Bradley, 28 Vt. 118 ; Gragg v. Brown, 44 Maine, 157 ; 1 Parsons on 
 Contracts, 84, note 7. 
 
 (r) Harris v. Clark, 3 Comst 93, 118; Cowpcrthwaite t;. Sheffield, 1 Sandf. 416, 
 8 Comst. 243 ; Winter v. Drury, 1 Seld. 525 ; Marine & Fire Ins. Bank v. Jauncey, 3 
 Sandf 257 ; Chapman r. White, 2 Seld. 412 ; Wheeler v. Stone, i Gill. 38.
 
 CH. IX.] WHAT CONSTITUTES ACCEPTANCE. 29) 
 
 the drawee liable to the payee for not accepting the draft. (5) 
 But it would seem that, if a person should write to a factor that 
 he had sent him certain goods for sale, and drawn a bill on him 
 on the credit of the goods to a certain amount, the factor, if he 
 received the consignment, would he bound to accept the bill. 
 
 The question still remains whetlier the payee of the bill would 
 have a right of action against the factor as an acceptor lor money 
 had and received to his use, on the ground that the acceptance 
 of the consignment was equivalent to a promise to accept. We 
 should hold him so liable, on the ground that by accepting tlie 
 consignment he had made a contract with the drawer to accept 
 the bill, and that this contract being for the benefit of a third 
 person, this person might bring an action for the breach of the 
 contract. (^) 
 
 As a note, although made, only takes effect when it is deliv- 
 ered, the same thing is true of an acceptance. This there- 
 fore is revocable until tlie bill is delivered to the holder or his 
 agent who presents it for acceptance, (m) although it seems to 
 have been held otherwise formerly. (y) If the acceptance is in 
 any of the ways which we have seen to be equivalent to the 
 usual acceptance, and the bill is not in the hands of the acceptor, 
 then, of course, delivery by him cannot be necessary, for it is not 
 practicable, and it would seem, therefore, that such an acceptance 
 must be irrevocable. Certainly it would be so after any holder 
 had received the assurance of it, and was justified in regarding 
 the bill as an accepted one, and as his property. (?y) The accept- 
 ance of a bill payable so many days after sight takes effect from 
 its date, and not from the time of presentment, nor does the doc- 
 trine of relation apply in such cases ; and in the computation of 
 the time the day of the date is excluded. (.^) 
 
 (s) Grant v. Austen, 3 Price, 58 ; New York & Virginia State Bank v. Gibson, 5 
 Duer, .574. See, contra, Corser v. Craig, 1 Wash. C. C. 424. 
 
 (0 We are not aware that this precise question has been decitled, but it would seem 
 to follow from the principles stated in the text. See Carnegie v. Morrison, 2 Met. 381. 
 
 (k) Cox v. Troy, 5 B. & Aid. 474. 
 
 (y) Thornton v. Dick, 4 Esp. 270 ; Tummer v. Oddie, cited 6 East, 200. See Ben- 
 tinck (;. Dorrien, id. 199 ; Raper v. Birkbeck, 15 id. 17. 
 
 (w) Grant v. Hunt, 1 C. B. 44. 
 
 (r* Mitchell v. Degrand, 1 Mason, 176.
 
 :i92 NOTES AND BILLS. [CH. IX. 
 
 SECTION II. 
 
 PROMISE TO ACCEPT. 
 
 The question has frequently arisen, under what circumstances 
 a promise to accept is equivalent to an acceptance. The general 
 [jriiiciples which determine the answer to this question are these. 
 On the one hand, it must frequently happen in mercantile busi- 
 ness that persons who are arranging for a future transaction, and 
 seeking to ascertain what security or what resources they may 
 have, inquire whether certain bills which enter into the arrange- 
 ment are to be accepted, and, learning that they are to be so, rely 
 upon them in a way which would make disappointment disas- 
 trous. But, on the other hand, they must, at their own peril, dis- 
 criminate between answers or statements which merely give in- 
 formation, and those which constitute or imply a definite promise. 
 For it is only upon this last class of statements that the law au- 
 tliorizes them to rely, on the ground tliat a refusal of the law to 
 recognize and enforce such promises would be very embarrassing 
 to mercantile business. Between these two classes of cases it 
 may sometimes be difficult to discriminate, and this difficulty 
 may sometimes appear to give to the law an uncertainty which 
 belongs to the fact. 
 
 Tiie law of England on this subject seems to differ somewhat 
 from the law of America. In the former country it was for some 
 time uncertain whether a parol promise to accept a non-existing 
 bill was valid as an acceptance under any circumstances ; but 
 the later authority is that it is not so valid. (//) Nor would a 
 
 [y) The case of Pillans v. Van Mierop, 3 Burr. 1663, has been citefl as authority for 
 the (loetriiie tliat a parol promise to accept a l)ill to be drawn was a valid acceptance, 
 yet it is (iotibtful wlietlur it sustains it It is authority to sliow tliat there may be an 
 acccfitance l)cfore tlie bill is drawn, and it is not clear what else it actually decides. 
 In Picr-(on v. Duiilop, Cowp. 571, the qualification is added, that a written promise 
 must be accompanied by circumstances which ini^ht induce a third party to take the 
 bill Ma<on v. Hunt, 1 Douj;. 296, and Miln v. Prcst, 4 Camp. 39;J, adopt similar views. 
 In Johnson v. C^ollinu's, 1 East, 98, the point actually decided was, that a parol prom- 
 ise, win-re no thinl parly was induced thcnby to take the bill, was not bindinj; as an 
 acceptaticc. The lan);inif;<: used by Lord Ki'iii/on in his decision is, however, jrencral ; 
 "that a promise to accept a bill before it is drawn is not eipmlly bitidinjij as if made 
 afterwards." The de<isioii in the Hank of Iniland v. Archer, 11 M & VV. 383, is, 
 that a [iiirol promise to ac(;ept is not an aece|»tanc(!, even where the bolder diseoiiiUcd
 
 CH. IX.] PROmSE TO ACCEPT. 293 
 
 written promise to accept such a bill now be held equivalent to 
 acceptance in any case, the terms of the statute 1 and 2 Geo. IV. 
 c. 78, of course precluding all question as to inland bills. (2) A 
 parol promise to accept an existing foreign bill is still considered 
 equivalent to an acceptance,(ft) and the same must be true of a 
 written promise, wliich will enure to the benefit of the holder, 
 even if made after the maturity of the bill, and though he was 
 not induced thereby to take it.{b) The promise may be given to 
 the drawer, or to any other party to the bill after it has been in- 
 dorsed away, or to a person by whose direction and on whose 
 account the bill was drawn, though not a party to it.(6') And it 
 seems to l)e regarded as so entirely the equivalent of a regular 
 acceptance, that the drawer cannot revoke it, even witli the con- 
 sent of the promisee, though no party to the bill had notice of 
 the acceptance. (r/) It is however held in this countr}'^ that an oifer 
 to accept a draft may be withdrawn by a letter received by the 
 drawer before the draft has been presented by him or by his agent, 
 for acceptance. (c/fZ) 
 
 In America there appears to be a conflict of authority as to 
 whether a parol promise to accept a bill to be drawn is equivalent 
 to acceptance. On principle, we should say that it ought not to be 
 so considered ;[e) but, adopting the language of Marshall, C. J., in 
 the case in which the Supreme Court of the United States unani- 
 mously determined the limitations to the rule, we should state it to 
 be the rule of American law, that a written promise to accept a non- 
 existing bill, made within a reasonable time before the date of the 
 bill, describing it in terms not to be mistaken, is, if shown to one 
 
 the bill on the faith of such promise. The lan,<j:ua,<;e of Baron Parke is likewise gen- 
 eral, and it seems to he admitted that the decision would have been the same had the 
 promise been written. See the opinion of eminent English counsel in Kussell v. Wig- 
 gin, 2 Story, 213. 
 
 (2) " No acceptance of any inlaid bill of exchange shall l)e sufficient to charge any 
 person, unless sucli acceptance be in writing on such bill, or, if there be more than one 
 part of such bill, on one of the said parts." 
 
 (a) Mendizabal u. Machado, 6 Car. & P. 218, affirmed 3 Moore & S. 841 ; Piersoa 
 V. Dunlop, 2 Cowp. 571 ; Miln v. Prest, 4 Camp. 393. 
 
 (6) Wynne v. Raikes, 5 East, 514; Clarke v. Cock, 4 id. 57; Powell ". Monnier, 
 1 Atk. 611. 
 
 (<•) Grant v. Hunt, 1 C. 15. 44 ; Fairlee v. Herring, 3 Bing. 625, 1 1 J. B. Moore. 520. 
 
 Id) Grant v. Hunt, 1 C. B. 44. 
 
 (dd) Ilsley v. Jones, 12 Gray, 260. 
 
 (c) Kennedy v. Geddes, 8 Port. Ala. 263. In Williams v. Winans, 2 Green. N. J. 
 339, a parol promise to accept a bill to be drawn was held valid, and in J?/ink of Michi- 
 gan V. Ely, 17 Wend. SOS, 510, N'dsou^ C. J., said, that it was well settled that "a 
 parol promise to accept a future bill was not binding, unless the bill was taken Iiy the 
 holder upon the faith and credit of such promise," I'eferring to Ontario Bankti. Worth- 
 ington, 12 Wend. 593. 
 
 25*
 
 294 NOTES AND BILLS. [CH. IX. 
 
 who takes it on the faith of such writing, a virtual acceptance. (/) 
 If the bill be then existing, it is held that a promise by the drawee 
 to pay it, amounts to an acceptance, whether the bill were or were 
 not taken on the faith of the promise, (//) But a promise to accept 
 from drawee to drawer made by letter after the holder took the bill, 
 will not make the drawee liable to the h()lder.(J^) A promise to 
 have the full effect of acceptance should be in writing. (///.) It seems 
 also that the bill should be payable on demand, or at a fixed time 
 after date, and not after sight, so that there may be a certain time 
 from which the days are to be counted. (^) 
 
 (/) So held in Coolidge v. Pavson, 2 Wlieat. 66, 2 Gallis, 233. See also Sdiim- 
 melpennich v. Bayard, 1 Pet. 264; IJoyce v. Edwards, 4 id. Ill ; Wildes v. Savage, 
 1 Story, 22; Russell v. Wiggin, 2 id. 213; Bayard v. Lathy, 2 McLean, 462; Storer 
 V. Logan, 9 Mass. ,55; Carnegie v. Morrison, 2 Met. 381 ; Kennedy v. Geddes, 8 Port. 
 Ala. 263, 3 AIn, 581; Carroll ton Baid^ v. Tayleur, 16 La, 490;" Vance v. Ward, 2 
 Dana, 95; Parker v. Greele, 2 Wend, 545, 5 id. 414. In Boyce v. Edwards, 4 Pet. 
 1 1 1 , a letter Avritten two years hefore the bill was drawn, and not referring to that par- 
 ticular hill, was held no acceptance. In Wilson v. Clements, 3 Mass, 1, two years in- 
 tervened hetween the promise and drawing the bill, and it was held no acceptance on 
 that account. Tlie bill must be taken on the credit of the promise. M'Eversi;. Mason, 
 10 Johns. 207; Ontario Bank v. Wortliington, 12 Wend. 593. In Read v. Marsh, 
 5 B. Mon, 8, the language is somewhat ambiguoiis, hut it is conceived that the court 
 did not intend to lay down the rule, that a promise to accept a future bill, not taken 
 on the credit of the promise, operated as an acceptance. In Goodrich v. Gordon, 15 
 Johns. 6, a letter containing the following instructions froni the owner of a vessel to 
 tlie master, — '' You will endeavor to ransom the vessel as low as possible, not to ex- 
 ceed $2,000. your draft on me will be honored," — was held tantamount to the accept- 
 ance of a i)ill subse<piently drawn for that anuiunf. In Parker?', Greele, 2 Wend, 545, 
 the terms of the letter were, "I have no objection to accepting for you at three and 
 four months." This was held to authorize a draft for the whole sum at four months, 
 and the holder was allowed to recover without showing what the terms proposed were, 
 or that they were comjilied with. This case was aihrmed in 5 Wend. 414, by a vote of 
 14 to S. There was a disagreement as to the burden of proof with regard to showing 
 what the terms were, and a coTnpliance with them. Also some of the Senators held 
 tbat there should have been two bills drawn, one at three and the other at four months, 
 each for half the whole amount. It was also thought that the promise did not come 
 within the rule, that the bill should be drawn in tei'ins not to be mistaken. In Bank 
 of .Miciiigan v. Ely, 17 Wend. 508, the words of tlie letter were : " Yon can make drafts 
 on me due in August next, to the amount of % 10,000. Make them in sums of ,f 1,000 
 each, nnd spread the time of their jiaymcnt throM;;h the month." Only live liills were 
 drawn. 'I'bi- holder took drafts on the faith of tlie letter, and sued the defendant as 
 acceptor. The letter was treat(;d as an acceptance. In Ulster ('o. Bank v. McEarlan, 
 5 Hill, 432, the letter contained the following: "I hereby authorize you to draw on 
 mc at ninety days, from tiiiK! to time, for such amounts as yon may re(|uire, provided 
 that t'ne whole; amount running and unpaid shall not exceed $3,000." This was held 
 to lie a siifticient [irouiise, although it will be seen that tlie bills were not specified, 
 either as to nnmber, amount, or date. In a subscipieiit suit between tlie same ])arties, 
 3 l)<'!iio, 553, it appears to have been conciMled by \\w counsel that there was an accept- 
 ance, but Senator I land in a iliiluni denied this, stating that "the ])roniise must point 
 U) the jiarticular bills, and d('scribe tlu^in in terms not to be mistaken." Senators 
 Sjiencer and Talcott aflirmed its correctness. 
 
 (f.f) Jones V. Bank of Iowa, 34 Fll. 313. But see Mason v. Ik.nsay, 35 111. 424, 
 
 (/'/) Ivvcliange Hank v. Kice, 98 Mass. 2HS, See note ./'. 
 
 ij'h) I'luMimer v. Lynnin, 49 Me. 229. 
 
 (//> Wildes V. Savaue. I Slory, 22. In this case, Slur//, ,F. said: "It does not ap- 
 pear to nie that the doctrine ever was applicalilc, or conld be applied, to any bills of 
 exchange, except Hueli ns wore payabli! on demand, or at a tix<Ml time >\(Wx tlate.
 
 CH. IX.] PROMISE TO ACCEPT. 295 
 
 Expressions of decided regret that this " doctrine of virtual 
 acceptance" was ever established, have frequently been used.(/ij 
 But the rule above stated seems now to be part of the commer- 
 cial law of the country ; and in the notes we have endeavored to 
 illustrate by the cases the way in which the rule has been ap- 
 plied, and the modifications which it has undergone. 
 
 The rules of law on this subject have been frequently applied 
 
 Where bills are drawn payable at so many days after sight, it is impracticable to apply 
 the doctrine, for there remains a future act to be done, — the presentment and sight of the 
 bill before the period for which it is to run, and at which it is to become payable, can 
 commence, whether it be accepted or dishonored. How can the time be calculated 
 upon such a bill before it is presented 1 If a letter is written promising to accept a 
 non-existing bill to be thereafter drawn at six mouths' sight, when is the acceptance to 
 be deemed made ? At the time of the bill ? Certainly not, for that would be at war 
 with the obvious intent of the parties, which plainly is that the acceptance shall be on 
 a future sight of the bill. If it is said that the acceptance is to be treated as made 
 when tiie bill is actually presented for acceptance, and it is dishonored by tiie drawee, it 
 is as plain that we set up a prior intent or promise against the fact Upon wiiat 
 ground can a court say, where a party promises to do an act in future, such for ex- 
 ample as to accept a bill when it shall be drawn and presented to him at a future time, 
 that his promise overcomes his act at that time, — that his refusal to perform his 
 promise amounts to a performance of it 1 It is quite another question whether tha 
 holder who has taken such a hill upon the faith of such promise may not have some 
 other remedy, either at law or in equity, for this breach of it, against the promisor. 
 My judgment is, that the doctrine of a virtual acceptance of a non-existing bill, by a 
 prior promise to accept it, when drawn, has no application to a bill drawn payable at 
 some fixed period after sight, for it amounts to no more than a promise to do a future 
 act ; I have looked into the authorities, and I do not find in any one of them that the 
 bill drawn, and to which the doctrine was applied, was a bill drawn payable at or after 
 sight." 
 
 (/i) Lord Kenyan, Johnson v. Collings, 1 East, 98: ''It is nuich to be lamented 
 that anything has been deemed to be an acceptance of a bill of exchange besides an 
 express acceptance in writing ; but I admit that the cases have gone beyond that line, 
 and have determined that there may be a parol acceptance ; that perhaps was going too 
 far, and I am not disposed to carry them to the length now contended for, and to say 
 that a promise to accept a bill before it is drawn is equally binding as if made after- 
 wards." " Admitting a promise to accept before the existence of the bill to operate as 
 an actual acceptance of it afterwards, was carrying the doctrine of implied acceptances 
 to the utmost verge of the law." Story, J., Wildes v. Savage, 1 Story, 22 : " It is 
 perhaps to be lamented that the doctrine of such virtual acceptances ever was estab- 
 lished, and if the question had been entirely new, I am well satisfied that it would not 
 have been recognized as fit to be promulgated by the Supreme Court, it being at once 
 unsound in policy and full of inconvenience. But that court yielded, as did the judge 
 who decided the case in the Circuit Court, Coolidge v. Payson, 2 Wheat. 66, to what 
 seemed at that time the true result of the English authorities upon an important 
 Tactical commercial question. I am not sorry to find that professional opinion has 
 settled down in England against the doctrine, although there is no pretence to say that 
 up to this very hour there has been any formal decision in Westminster Hall against it." 
 
 I
 
 296 NOTES AND BILLS. [CH. IX. 
 
 to the acceptance of bills of exchange by a previous letter of 
 credit authorizing them to be drawn. Where the bills are spe- 
 cifically described in the letter, drawn within a reasonable time 
 from the date, and taken on tlie credit thereof, they would come 
 under the terms of the rule which we have already stated ; but 
 some authorities have gone still further, and held that such a let- 
 ter would be regarded as an acceptance of all bills drawn by vir- 
 tue of it, and coming within its terms, though not described by 
 dates, numbers, or amounts. (i) As upon a point of this kind 
 uniformity is specially desirable, a general adoption might be 
 wished of the limitations upon anticipated acceptance by promise 
 which have been adopted by the Supreme Court of the United 
 States. We should greatly prefer saying that the drawer of such 
 a bill might have his action against the writer of the letter for his 
 refusal to accept, and also that the holder of the bill, having the 
 letter in his possession, with evidence that he had bought or re- 
 ceived the bill on the credit of the letter, which evidence may 
 be by indorsement on tlie letter or otherwise, should be consid- 
 ered as having sufficient privity to sustain the action in his 
 own name.(j) 
 
 (i) See Parker v. Greele, 2 Wend. 545, 5 Wend. 414 ; Bank of Michigan v. Ely, 17 
 Wend. 508 ; Ulster Co. Bank v. McFarlau, 5 Hill, 432, 3 Denio, 553. The facts in these 
 cases arc stated supra, p. 294, note /! Banorj^ee v. Hovey, 5 Mass. 1 1, is sometimes cited 
 as authority for this doctrine, but without foundation, as is'conceived. In Storer i'. 
 Loj^an, 9 id. 55, the bills declared on were both specified as to dates and amount in the 
 letter. In Carnegie v. Morrison, 2 Met. 381, an action on a letter of credit specifying 
 no hills, the court said that there was " no serious ground to contend that the under- 
 taking of the defendants was such an agreement to accept a particular specified bill as 
 to bring it within the authority of the American cases." 
 
 ( /■) The opinions of Sir W. FoUett, Sir John Bayley, Sir F. Pollock, and M. D. 
 Hill, in 1 Story, 26, arc to the effect that, in England, no action whatever can be main- 
 tained on u letter of credit, by a holder of a bill taken on the faith of the letter, because 
 there is no privity of contract between the parties. If u|)on such high authority tliis 
 may l)c regarded as the law in England, we still think that this is not the law in Amer- 
 ica In Carnegie v. Morrison, 2 Met. 381, the question was elaborately discussed by 
 Shaw, C. J., who said (p. 390) : " The objection to such an action and the ground of 
 tliis defence are, that the immediate parties to the transaction were Bradford on the one 
 side, and the defendants on the other ; that to this transaction the j)hiintiffs were stran- 
 gers ; and that, as Bradford acquired some right under it, and had a remedy upon it 
 against the defendants, ili<-ir contract must he deemed to he made with him, and not 
 with the plaintiffs. But this position presupjioses that the same instrument may not 
 constitute a contract betwet.'n the original |)arties, and also between one or both of them, 
 und othiTs who may 8ub>iC(|iiently assent to, and become interested in, its execution; 
 un assumpiioii quite too iiroad and unlimited, which the law docs not warrant, iii a
 
 CH. IX.] PROMISE TO ACCEPT. 297 
 
 The question has arisen as to how far a written authority given 
 by the drawer to a party to draw bills upon him can be consid 
 ered as an acceptance. The same principle should apply here, 
 we apprehend, as in the case of letters of credit. Where the in- 
 
 common bill of exchange, the drawer contracts with the payee that the drawee will 
 accept the bill ; with the drawee, that, if he does accept and pay the bill, he, the 
 drawer, will allow the amount in account, if he has funds in the drawee's hands ; 
 otherwise, tiiat he will reimburse him the amount thus paid. He also contracts with 
 any person who may become indorsee, that he will pay him the amount, if the drawee 
 does not accept and pay the bill. The law creates the privity. So in the familiar case 
 of money had and received, if A deposits money with B to the use of C, the latter may 
 have an action against B, though they are- in fact strangers. But if C, not choosing to 
 look to B as his debtor, calls upon A to pay him, notwithstanding such deposit, (as he 
 may,) and A pays him, A shall have an action against B to recover back the money 
 deposited, if not repaid on notice and demand. The law operating upon the act of the 
 parties creates the duty, establishes the privit}^ and implies the promise and obligation 
 on which the action is founded. Hall v. Marston. 17 Mass. 575. So in regard to a 
 very common transaction ; when one deposits money in a bank to the credit of a third 
 person, and forwards him a certificate, or other evidence of the fact, the bank is regarded 
 as coming under an obligation to ])ay the money to the person to whose credit it is thus 
 deposited. So it is held in England, when the depositary assents to receive the money, 
 though there is no consideration moving from the plaintiff to the defendant. Lilly v. 
 
 Hays, 5 A. & E. 548 (P. 402 :) It seems to have been regarded as a settled point, 
 
 ever since reports have been published in this State, rather than as an open question to be 
 discussed and considered. The position is, that where one person, for a valuable con- 
 sideration, engages with another, by simple contract, to do some act for the benefit of a 
 third, the latter, who would enjoy the benefit of the act, may maintain an action for the 
 breach of such engagement." The learned judge then referred to Felton v. Dickinson, 
 10 Mass. 287 ; Arnold y. Lyman, 17 id. 400 ; Dutton v. Poole, 1 Vent. 318 ; and resumed 
 (p. 40.3) : " The court are of opinion that the promise of the defendants, made by the let- 
 ter of credit, in the present case, comes within the principle of the cases cited. Brad- 
 ford was indebted to the plaintiffs, and was desirous of paying them ; and he must 
 resort to some mode of remittance. He had funds either in cash or credit with the de- 
 fendants, and entered into a contract with them to pay a sum of money for him to the 
 plaintiffs. And upon the faith of that undertaking, he forbore to adopt other meas- 
 ures to pay the plaintiffs' debt. He gave the plaintiffs notice of what he had done, 
 and sent them the instrument as authentic evidence of the fact. They assented to and 
 affirmed it, as an act done in their behalf, and gave the defendants notice thereof, and, 
 conformably to the terms of the letter of credit, drew their bills on the defendants. 
 The refusal to accept was a breach of the promise thus made, and, in the event that 
 happened, the insolvency of Bradford, the plaintiffs lost their debt. It would be 
 in vain to say that this promise was not made for the benefit, or, according to the 
 terms of some of the cases, for the interest of the plaintiffs. The result shows that, by 
 a compliance with the plain, literal terms of their promise, on the part of the defend- 
 ants, the plaintiffs would have received their debt. By a refusal to perform that prom- 
 ise, they have lost it. They are therefore damnified to the full amount of the sum for 
 •which the credit was given." Murdock v. Mills. II Met 5 ; Barney v. Newcomb, 9 
 Cusli. 46. This doctrine is fully approved by Story, J., Russell v. Wiggin, 2 Story, 
 213 ; Wl'dis V. Savage, 1 id. 22 ; Baring o. Lyman, id. 396 ; Wallace );. Agry, 4 Ma-
 
 298 NOTES AND BILLS. [CH. IX. 
 
 strument intelligibly describes the bills to be drawn, and an 
 unreasonable time has not elapsed between its date and that ol* 
 the bills, and they are taken on the credit of the writing, we 
 should hold that this was a virtual acceptance of bills drawn in 
 conformity with its terms. And if the bills are not described 
 with sufficient particularity to constitute acceptance, our opinion 
 is that an action may be maintained for breach of the promise to 
 accept, as in the case of letters of credit just mentioned. Some 
 cases lay down the broad rule, that an authority given by A to B 
 to draw bills on him is virtually an acceptance of any bills drawn 
 within such authority ; but we believe that in most of them the 
 language is more comprehensive than the cases themselves war- 
 rant, or else that the distinction between an action on tlie bill as 
 an accepted bill, and one on the failure to perform the promise, 
 is not sufficiently attended to. (A;) In this country a parol or 
 written promise to accept an existing bill is treated as accept- 
 ance, unless it be made insufficient by statutory provision. (/) 
 
 son, 336 ; Boyce v. Edwards, 4 Pet. Ill, in which the distinction l)etween an action 
 on a bill as an accepted bill, and one founded on the breach of a promise to accept, is 
 fully pointed out; Townsley v. Sumrall, 2 id. 170. See the cases cited supra, p. 294, 
 notey"; also Adams v. Jones, 1 2 Pet. 207 ; Edmonsion i: Drake, 5 id. 624 ; Lawrason i'. 
 Mason, 3 Cranch, 492. Carrollton Bank ;;. Tayleur, 16 La 490, seems to hold that an 
 action can be maintained by the holder, unless the letter is addressed to him. In Birck- 
 head v. Brown, .5 Hill, 634, it was held that, if the letter is special, that is, addressed to a 
 particular individual, he alone has the right to sue for breach of promise to accept, 
 and that a third party, who has advanced money on the credit of it, cannot, for want 
 of privity of contract. This case was affirmed by a vote of II to 11, in 2 Denio, 37.5. 
 
 [k) See Van Rcimsdyk v. Kane, 1 Gallis. 630 ; Banorgec v. Hovey, .5 Mass 23 ; 
 Mayhew v. Prince, II id. 5-5; Wallace v. Agry, 4 Mason, 336 ; Lewis w. Kramer, 3 
 Md. 26.5 ; Beach v. State Bank, 2 Ind. 488. The cases of Ulster Co. Bank v. McFar- 
 lan, f> Hill, 432, 3 Denio, .5.53, and Baiik of Michigan v. Ely, 17 Wend. .508, cited supra, 
 p. 294, note /, arc authority for the doctrine that a written authority is a virtiuil ac- 
 ceptance. In Ulster Co. Bank v. McFarlan, it was decided that an authority to draw 
 at ninety days was an authority to draw at ninety days after sight, and not after date. 
 But in Barney v Ncwcomb, 9 Cush. 46, it was held that otic authorized to draw on 
 another " at ten or twelve days," may exercise his own discretion whether to draw after 
 bight, or after date ; and the correctness of the decision in Ulster Co. Bank v. McFarlan is 
 denied. The court say : " The opinion of the Supreme Court (of New York ) was placed 
 upon the ground tiiat the drawc(% by authorizing a draft at ninety days, intended to se- 
 cure liimself a credit of ninety days after notice that the bill was drawn ; but if drawu 
 ninety days after date, he might not have any time, as the holder might not present tho 
 bill till it came to maturity. The answer to that is, if he meant so, he should have said 
 so ; and as he did not say so, there is nothing to show thiit he meant so, as it is as usual 
 to draw after date as after sight " 
 
 (/) Kdson V. Fuller, 2 Foster, 183 ; Grant v. Shaw, 16 Mass. 341 ; Wn'-d v. A'len, 2 
 Met. 53.
 
 CH. IX.] PROMISE TO ACCEPT. 290 
 
 Among the more specific application of the principles wliich 
 regulate acceptance by previous authority, the following may be 
 mentioned. Authority to an agent to arrange an unsettled affair 
 and draw on his principal for necessary sums, is a virtual accept- 
 ance of a draft made with the knowledge and assent of such 
 agent ; but the drawer cannot substitute a new draft in favor of 
 another payee, without the consent of the drawee or his agent. (m) 
 
 If autliority is given by two or more persons to draw on them, 
 or either of them, and they promise jointly and severally to hold 
 themselves accountable for the acceptance and payment of such 
 drafts, the signers are jointly and severally bound to the payment 
 of acceptances made by one of them.(w) Authority from the 
 directors of a corporation to the treasurer to accept drafts, must 
 be strictly proved, but when proved, a valid consideration and a 
 proper purpose for acceptance may be presumed, (o) 
 
 In a case where a firm in England sent out an agent to Amer- 
 ica, with authority to draw bills on the firm, sell, and discount 
 them, wliich he did, but the firm became bankrupt before the bills 
 arrived in England, it was held that no proof could be made by an 
 indorsee of a bill, as the authority to the agent did not amount to 
 an implied acceptance. (/?) If the authority be upon terms or con- 
 ditions, compliance with them is necessary to enable the holder to 
 recover of the party authorizing the draft to be drawn. (9) 
 
 If the draft or bill already exists, a parol promise to accept it 
 must be on a distinct consideration, or it bears no force, either as 
 an acceptance or as a promise to accept ; if it rests on a consid- 
 eration, it is a good acceptance. (r) If on presentation of the bill 
 the drawee refuses to accept, but promises the holder to pay the 
 sum for which it was drawn on the day on which it is payable, 
 this is not an acceptance, even if the drawee have funds of the 
 drawer in his hands, and ought in justice to have accepted the 
 bill.(s) If, however, the bill were drawn on a specific fund, so 
 
 (m) Gates v. Parker, 43 Maine, .544. 
 
 (n) Michigan State Bank v. Peck, 28 Vt. 200. 
 
 (o) Partridge f. Badger, 25 Barb. 146. 
 
 (p) Ex parte Bolton, 3 Mont. & A. 367. 
 
 (9) Murdock v. Mills, 11 Met. 5 ; Ulster Co. Bank v. McFarlan, 5 Hill, 432, 3 l)e- 
 nio, 553. 
 
 (r) Strohecker v. Cohen, 1 Speers, 349. 
 
 (s) Luff V. Pope, 5 Hill, 413, 7 id. 577. The holder of a hill pnyMl-lc nr si-ht pre- 
 sented it, but the drawee refused, saying that lie had no funds, but aficTw a.ds .■-aiii l.e
 
 300 NOTES AND BILLS. * [CH. IX. 
 
 as not to amount to a negotiable bill of exchange, the draft and 
 promise might then not only hold the drawee, but work an equi- 
 table assignment of the fund. (if) In some places there is a custom 
 for banks to certify checks drawn upon them as good. This has 
 been treated as a promise to pay such checks on presentment, and 
 equivalent to acceptance, rendering the bank liable as acceptor, as 
 in the case of bills of exchange.(ti) 
 
 Acceptance by promise is provided for by statutes in some of our 
 States, (mu) 
 
 SECTION III. 
 
 CONDITIONAL AND QUALIFIED ACCEPTANCES. 
 
 In the chapter upon the essentials of a promissory note, and 
 the section on the certainty of the fact of payment, we have seen 
 that if the promise to pay be upon condition, or be dependent on 
 a contingency, the instrument is not a negotiable promissory 
 note. And it has also been said repeatedly, that an acceptor of 
 a bill stands in the same relation to it as the promisor of a note. 
 Here, however, is an important difference. Not only may a 
 drawee, as we have seen, be held as acceptor on a promise to 
 accept, but if he actually accepts on a condition or a contmgency, 
 this acceptance may be valid and sufficient. 
 
 The law on this subject is, however, somewhat difficult, and in 
 some respects not altogether certain. 
 
 In the first place, we would remark, that the subject of con- 
 ditional acceptance is closely connected with that of a promise 
 to accept, a conditional acceptance being no more in fact than a 
 prouuse to accept upon the happening of some future event or 
 circumstance. Whether the facts proved in any case amount to 
 
 would answer it at the coramenoement of the next quarter. The holder did not ap;rce 
 to wait, reiniirkint,' that he would send it back to the drawer. The bill, however, was 
 not sent back, but presented af^ain by the same holder some time after the time men- 
 tioned. IMd, that these facts did not amount to an acceptance or a contract ; and 
 that evidence that the drawee bad funds at the time of refusal was irrelevant. Peck 
 V. Cochran, 7 Pick. 34. The drawee of an order for a seaman's shai"e of the proceeds 
 of a wlialin;^ voyaf^e declined to accept, but took the order, promising; to try and save 
 tlie amount for the payee, if the drawer consented. The drawer, on his return, refused 
 to assent. Ilild, no acc(!piance or assi^^nment. Parkhurst r Dickcrson, 21 Pick. 307. 
 
 (i\ So said in Luff i>. Pope, .5 Hill, 413; Hnrrison v. Williamson, 2 Edw. 430 
 8cc, for an illustration of this principle, Herly r. Taylor, .5 Hill, .577. 
 
 (m) See /(o.sf, Chapter on Checks. 
 
 [Hit) What would sati.Hly the slatiile of New York is considered in lliirrisoii v. 
 Smith, 2 Sweeny, 66?».
 
 CH. IX.] CONDITIONAL AND QUALIFIED ACCEPTANCES. 301 
 
 an absolute or to a conditional acceptance, is a question of law for 
 the court to determine. (?;) It has been held that an acceptance, 
 absolute on its face, cannot be shown to be conditional, by parol, 
 Vjetween the immediate parties thereto, as this would be to con- 
 tradict the terms of the written contract ; (iv) but if the accept- 
 ance is ambiguous, it may be explained by parol. (.x) An absolute 
 acceptance may be qualified by an express condition in a sepa- 
 rate and simultaneous writing, because both instruments are 
 rjgarded as forming but one contract ; but this cannot affect a 
 third party, who took the bill without knowledge of the con- 
 dition. (2/) A conditional acceptance becomes at once absolute 
 on the performance of the condition, (yt/) but it should still be set 
 forth in the dechu'ation as conditional, with an averment of per- 
 formance, (z) the burden of proof being upon the plaintiff to 
 show such performance. (a) 
 
 The following are some of the instances in which an accept- 
 ance has been held conditional. A promise to pay when certain 
 goods consigned to the drawee are sold ; (b) when in cash for the 
 cargo of Ship Thetis ; (c) to accept when a navy bill is paid ; (d) 
 to pay as remitted from thence at usance ; (e) that the bill shall 
 
 (v) Sproat V. Matthews, 1 T. R. 182, Willes.J. dissenting. Buller, J. said : " What- 
 ever may have been the doubts formerly of what amounted to acceptance, I conceive it 
 is the sole province of the court to decide whether this is an absolute or a conditional 
 acceptance." Edson v. Fuller, 2 Foster, 183 ; Barnet v. Smith, 10 id. 256. 
 
 (w) Heaverin v. Donnell, 7 Smedes & M. 244. Adams v. Wordley, 1 M. & W 
 374, was an action by the drawer a>,'ainst the acceptor. The plea averred an agreement, 
 not stated to be in writing, which set forth that the plaintiff agreed not to call upon the 
 defendant till an action against a third party was determined. The phiintiff demurred, 
 and the demurrer was sustained. Parke, B. said : " At present it is enough to say that 
 you seek, by a parol contemporaneous agreement, to alter the absolute engagement 
 entered into by the bill." By Lord Ahinger, C. B : " It would be very dangerous to 
 allow a party to alter in such a manner the absolute contract on the face of a bill of 
 exchange." In Hoare v. Graham, 3 Camp. 57, Lord Ellenborough said : " This would 
 be incorporating with a written contract an incongruous parol condition, which is con- 
 trary to first princiides." 
 
 (x) Swan V. Cox, 1 Marsh. 176. 
 
 {y) Bowerhank v. Monteiro, 4 Taunt. 844; Mason v. Hunt, 1 Doug. 297. 
 
 (yy) Cook V. Wolfendale, 105 Mass. 601. 
 
 (z) Langston v. Corney, 4 Camp. 176 ; Ralli v. Sarell, 1 Dow. & R. N. P. 33 ; Swan 
 0. Cox, 1 Marsh. 176. 
 
 (a) Read v. Wilkinson, 2 Wash. C. C. 514 ; Gammon u. Schmoll, 5 Taunt. 344. 
 
 (6) Smith V. Abbot, 2 Stra. 1152, 
 
 (c) Julian 0. Shohrooke, 2 Wils. 9. 
 
 {d) Pierson v. Dunlop, 2 Cowp. 571. 
 
 (e) Banbury v. Lissett, 2 Stra. 1211. 
 
 VOL. I. 2^
 
 302 NOTES AND BILLS. [CH. IX. 
 
 be paid when funds arrive from France ; (/) to renew au accept- 
 ance till sufficient effects are received from the estate of A ; (g-) 
 to pay if a certain house should be given up to the drawee before 
 a day named ; (h) a statement that the bill will not be accepted 
 until the ship with the wheat arrives ; {() that the drawee cannot 
 accept till stores are paid for ; (j) that the drawee did not know 
 whether the ship on whose cargo the bill was drawn would come 
 to London, and therefore he could not accept, with a subsequent 
 statement that the bill would be paid, even if the ship was 
 lost ; (k) an agreement to accept on consideration that goods 
 shall be consigned to the acceptor to answer the bill, together 
 with a policy of insurance upon them ; (/) a promise by the 
 drawee to the holder, that, if he would get back the bill after it 
 had been protested and returned, it should be paid ; (?n) to pay 
 if the consignment was sold when the bill became due ; (n) an 
 acceptance according to a certain contract. (o) 
 
 Acceptance is sometimes made " when in funds." Of course 
 the acceptor is then liable only when he has funds. In one case 
 it was held that this meant when the drawee has funds which 
 the drawer has a present riglit to demand and receive, and did 
 
 (/) Mcndizabal v. Machado, 6 Car. & P. 218, 3 Moore & S. 841. 
 
 (g) Bowerbank v. Monteiro, 4 Taunt. 844. 
 
 (h) Swan v. Cox, 1 Marsh. 176. 
 
 (t) Miln V. Prcst, 4 Camp. 393. 
 
 {j) Pierson v. Dunlop, 2 Cowp. 571. 
 
 {k) Sproat r. Matthews, 1 T. R. 182. In this case the court held that this was a 
 onditional acceptance, depending upon either one of tlie two events mentioned, as it 
 rtras evident from what passed, that there was no intent to accept unless the ac- 
 ceptor should have funds in liis hands with which to reimburse himself; that, if 
 the ship came to London, he would have the disposal of the cargo ; if she was lost, he 
 had in his possession a policy of insurance, a lien which would provide him with 
 sufficient funds. 
 
 (/) Mason v. Hunt, 1 Doug. 297. 
 
 (m) Grant v. Shaw, 16 Mass. 341. In Anderson v. Hick, 3 Camp. 179, a hill drawn 
 on the defendants was returned unaccepted ; but one of the defendants afterwards said 
 to the plaintiff: "If you will send the bill to the counting-house again, I will give 
 directions for its being accepted." No proof was offered that the bill was again sent to 
 the defendants' counting-house, it being contended that the fact amounted to an 
 absolute acceptance; but I>ord Ellmlmrourjh said: "This was only a conditional 
 promise to accept, and could not operate as an acceptance till the bill was sent back to 
 the countint'-house." The (ilaintiff was accordingly nonsuited. So also Cox v. Cole 
 man, Cas Temp. Ilardw.. London cd , 7.5. 
 
 (n) Browne ». Coit, 1 McCord, 408. 
 
 (o) Kcllogsr»- Lawn-ncc. Hill & T), .1.32.
 
 CH. IX.] CONDITIONAL AND QUALIFIED ACCEPTANCES. 303 
 
 not apply to wages for daily labor earned after acceptance, and 
 needed for the daily subsistence of the laborer. (;») 
 
 The acceptance of an order payable " if in funds," is regarded 
 as an admission by the acceptor that he has funds, and he cannot 
 
 {p) Wintennute v. Post, 4 N. J. 420. Haines, J. said : " The term ' when in funds ' 
 literally means when the acceptor is in the possession of cash which the drawer has a 
 present right to demand and receive, or to appropriate by his bill, whether such funds 
 be the product of labor, or of commodities furnished, of goods sold, or money deposited 
 or collected, or any other source. And such, in my judgment, is its fair commercial 
 and judicial construction, and any other would make the meaning of the words to depend 
 upon the peculiar circumstances of each particular case, and would produce doubt and 
 uncertainty, and tend to impair the value and the convenience of negotiable paper, and to 
 
 the promotion of strife and litigation It is not to be supposed that the parties 
 
 meant that the pittance of each day's work should be withheld from the necessities of 
 the laborer's family till tliey should accumulate to the amount of the bill. The law 
 does not require it, and political economy and common humanity forbid it." In Hun- 
 ton V. Iiigraham, 1 Strob. 271, it was held that where a factor accepts a planter's order, 
 payable when in funds, this is a promise to pay out of the first funds which shall come 
 into his hands ; and the drawee cannot apply them first to the payment of a debt due 
 him from the drawer, as this would be "adding another condition to the acceptance, 
 and the acceptance would then mean, they would pay the order when they had funds in 
 hand over and above the amount of their debt." It seems that the factor may, however, 
 deduct expenses incuiTcd by him, with reference to the particular consignment. Ibid. 
 In Cam])bcll ». Pettengiil, 7 Greenl. 126, "funds" was held to mean cash, and not 
 good and available demands or securities till converted into money. The court also ex- 
 press an opinion that, although the drawer is not entitled to notice when he has no funds 
 in the drawee's hands, yet where, instead of funds, the drawee has available demands, no- 
 tice must be given to the drawer. In Andrews v. Baggs, Minor, 173, it was held, that, 
 in order to recover of the drawer on a bill accepted wlien in funds, it is necessary to 
 prove that the acceptor had received funds sufficient to pay the bill according to its 
 terms, demand by the holder, and notice of non-payment to the defendant. Sec Gallery 
 V. Prindle, 14 Barb. 186 ; Knox v. Reeside, 1 Miles, 294. In Swansey v. Breck, 10 
 Ala. 5.33, it was held, that, if the administrator of the drawee receives the funds, he is 
 liable on the deceased's acceptance. A general acceptance of an order payable out of 
 a particular fund imposes upon the plaintiff the obligation of showing that the particu- 
 lar fund was received by the acceptor. Owen v. Lavine, 14 Ark. 389 Where A 
 placed a note in B's hands, for which B is to account, and afterwards A draws on B 
 an order payable out of the first proceeds of the note, and B accepts ; it is no defence 
 for B, that the note was put into his hands before the order was drawn. Bird v. WcEl- 
 vaine, 10 Ind. 40. An acceptance of an order to pay $ 200 out of the first money of the 
 drawer received by the drawee on account of a newspaper establishment, binds the 
 acceptor to pay, from time to time, on reasonable request, as money is received, and a 
 judgment against him for a part of the sum, on his refusal to pay on request, is no bar 
 to a subsequent action for a further sum received by him after the commencement of 
 the first action. Shaw, C. J. said : " The question is, whether, by a fair construction, 
 the acceptance in the present case is an undertaking to perform one duty at one time, 
 and then to terminate, or whether it is a stipulation to do more than one It is an 
 acceptance and undertaking to pay the plaintiff $ 200 out of the first money belonging 
 'a the drawer, which the acceptor should receive on account of the Eastern Star, a
 
 304 NOTES AND BILLS. [CH. IX. 
 
 afterwards allege a want of consideration in an action by the 
 holder. (9) 
 
 An absolute acceptance of an order payable on a contingency 
 is the same in legal effect as if the instrument had all the requi- 
 site certainties of a bill of exchange with a conditional acceptance. 
 Thus, an absolute acceptance of an order payable in the goods 
 of the drawer, or the proceeds thereof, amounts to an agreement 
 to pay the order according to its tenor, and, in order to recover 
 on such acceptance, the holder must aver and prove that the 
 drawee had in his hands either the goods specified or the pro- 
 ceeds. (?•) An acceptance of an order for the payment of money 
 out of the amount to be advanced to the drawer when certain 
 houses, which he was then erecting on the drawee's land, should 
 be so far completed as to have the plastering done according to 
 a contract between the parties, is conditional ; and the acceptor's 
 liability is dependent upon the contingency of the work being 
 completed according to the contract, nor will such acceptance 
 become absolute by a subsequent cancellation of the conti-act by 
 the drawee and the assignee of the drawer. (5) Compliance with 
 the condition is in the nature of a condition precedent, and if 
 the condition is not complied with, the acceptance is of no effect. 
 
 newspaper establishment, transferred by the drawer to the acceptors. It is obviously a 
 conditional undertaking. Was the whole obligation to be void, if the amount collected 
 should not reach $ 200, and all right to demand anything suspended until the full 
 sum siiould be received ? We cannot consider this the true meaning. It appears to 
 us that the intention was, that the acceptors should pay to the amount of $ 'iOO, if so 
 much should t)e collected ; otherwise, such part of the sum as should be collected. This 
 seems to liave liecn the construction adopted by the acceptors, iiy their paying a part, 
 and yieUling to a judgment for a part. But if payment was not to be suspended until 
 the full ? 200 should be collected, and as it might never be collected, tiicn tlie conclu- 
 sion of law must be, that such part as should be collected should be paid in reasonable 
 time, if n'{piested. No other reasonable construction can be put ujwn it. It is a gen- 
 eral rule, tiiat when a duty is to be done, and no time fixed, it must be done in a 
 reasonable lime. Taking this legal conclusion, in coimection with the terms of the 
 acceptance, it is an undertaking to pay out of a particular fund, from time to time as 
 received, on reasonable refjuest. The payment, therefore, of part of the amount does 
 not bar the cbiim for the balance wlien collected; and we think the contract, being to 
 pay from time [to time] on request, is a contract to be performed at different times, and 
 therefore a judgment for one breach, in not paying a part, is not a bar to an action on 
 another breach, in not i)aying on demand the balance admitted to have been collected." 
 Perry v. Iliirrington, 2 Met. 368. 
 
 (V) K'tnble V Lull, .3 McLean, 272. 
 
 (r) Atkinson c. Manks, 1 Cowen, 691 
 
 («) Newliall V. Clurk, 3 Ciish. 376.
 
 CH. IX.J CONDITIONAL AND QUALIFIED ACCEPTANCES. 305 
 
 Thus, where an agreement was made to accept, in considera- 
 tion that goods of a certain value should be consigned to the ac- 
 ceptor to answer the bill, and goods of a less value were sent, the 
 acceptance was held not to be binding. (^) And where a person 
 agreed to accept provided the goods against which the bill was 
 drawn should be sold before the maturity of the bill, and they 
 were attached by a creditor of the drawer while in the drawee's 
 hands, it was lield that there was no acceptance. (m) It would 
 seem that, even if the drawee himself should, by any act, pre- 
 vent the contingency from happening, he could not be liable as 
 acceptor. The remedy of the holder would probably be by a 
 special action on the case, and the sum to be recovered would not 
 be the debt due by the acceptance, but damages for the wrongful 
 act of the acceptor in preventing the completion of the contract, 
 by reason of which the holder has sustained the loss of the debt. 
 The burden of proof would be upon the plaintiff to show tliat the 
 defendant caused the prevention of the completion of the con- 
 tract, and any evidence on the part of the acceptor to show that 
 the drawer had failed or been unable to perform the contract, by 
 reason of death, sickness, insolvency, or other inability, would be 
 competent to rebut the charge. (v) 
 
 Whether an acceptance payable at a particular place is a con- 
 ditional acceptance, or not, has been much discussed, and the 
 opinions of many learned judges have been given on both sides 
 of the question. Tlie Court of King's Bench, in England, for a 
 long time held such an acceptance not to be conditional ; that 
 the word " Accepted " expressed the contract, and the words 
 " payable at a certain place " were in effect a memorandum 
 which was inserted as a kind of accommodation between the par- 
 ties, to which the holder of the bill was not bound to attend, (wr) 
 
 {t) Mcison V. Hunt, 1 Doug. 297. 
 
 (m) Browne v. Con, 1 McCord, 408. 
 
 (v) S/iuw, C. J., Newball v. Clark, 3 Cush. 376. 
 
 (w) The first case was that of Smith v. De la Fontaine, Holt, N. P. 366, note (1785), 
 where Lord Mansfield, at Nisi Prius, held such an acceptance absolute, and proof of de- 
 mand at the place specified unnecessary. The same was held, at Nisi Prius, by Lord 
 Ellenlmrough, in Lyon v. Sundius, 1 Camp. 423 (1808) ; and, in reference to a note, in an 
 action against the maker, by Bai/lei/, J., in Wild v. Eennards, id. 425, note (1809), and 
 by Lord Ellenborou(/h, in Nicliolls v. Bowes, 2 id. 498. These cases were followed by 
 Fenton v Goundry, 13 East, 4.'i9 (1811), where this rule was laid down by an authori- 
 tative decision of the King's Bench. Lord Ellenborough, C. J. and Grose and Bayley, 
 
 Vol. I.— U
 
 30(i NOTES AND BILLS. [CH. IX 
 
 The Court of Common Pleas, on the other hand, held that such 
 an acceptance was conditional ; that all the words taken together 
 expressed the contract, which was, that the acceptor promised to 
 pay, provided the bill was presented at the place mentioned, and 
 that presentment at the place stipulated must be averred and 
 proved.(a;) The point was finally settled, at law, by the House 
 
 JJ. delivering opinions. In Hodge v. Fillis, 3 Camp. 463 (1813), the drawer drew 
 the bill payable in London, and the acceptor accepted it payable at a banker's there. 
 Lord EllenhoroiKjh held that an averment of presentment at the banker's was material, 
 and must be proved. Gibbs, C. J. followed these decisions in Head v. Sewell, Holt, 
 363 (1816), but there seems to be some doubt about the correctness of this report. The 
 cases in the King's Bench, with reference to promissory notes payable at a specified 
 place, seem hardly to be consistent with the doctrine laid down by the same court in ref- 
 erence to bills of exchange. In Sanderson v. Bowes, 14 East, 500, Dickinson v. Bowes, 
 16 id. 110, and Howe v Bowes., id. 112, it was decided that a demand of payment of a 
 note at the place specified was necessary, and the following distinction was taken : that 
 the place, being specified in the body of the note, is incorporated in the original form of 
 the instrument, while the place designated in the acceptance was no part of the original 
 conformation of the bill itself. This distinction can hardly be sustained. Lord Eldon, 
 in his opinion in Rowe v. Young, 2 Bligh, 391, infra, note y, said with reference to it : 
 " Somehow or other it seems to have been assumed, that, not being in the body of the 
 bill, it is not to be considered as being in the boily of the acceptance, u conclusion 
 which it is extremely difficult, I think, to adopt." Baykij, J., in the same case, said : 
 ''I am free to confess that I doubt the propriety of those decisions (Sanderson v. 
 Bowes, Dickinson v. Bowes, Howe v. Bowes), although I was myself a party to them, 
 and I think it more manly to say that I consider my opinion in those cases erroneously 
 formed, than to attempt to distinguish those cases from Fenton v. Goundry by the use of 
 nice and subtle differences." Another distinction taken is, that the one class of decis- 
 ions refers to promissory notes, and the other to bills of exchange ; but this ground is 
 hardly tenable. Another is, that the notes were payable on demand, while the bills or 
 acceptances were payable at a ])articular time, and that in the latter case the defend- 
 ant miiy readily make an averment that he was ready at the time and place to pay, 
 and that the other party was not ready to receive the money ; but in the former, as the 
 time of payment depends entirely upon the pleasure of the holder of the note, the de- 
 fendant cannot set up such a defence. On this ground, if any, it is apprehended that 
 the two classes of cases may he distinguished In I'jirkcr v. Gordon, 7 East, 385, it 
 was decided that presentment for payment of a bill accepted payable at the acceptor's 
 banker's after banking hours was insufficient, and no evidence of dishonor, so as to 
 charge the drawer. In this case no presentment to the acceptor himself was shown, 
 and it was an action against the drawer ; so that a distinction may well be drawn be- 
 tween this case and the others mentioned above. See also Elford v. Teed, iMaule & 
 S 28. In Roche v. Campbell, 3 Camp 247, an action by an indorsee of a note, pay- 
 able at a Hpccified place thirty-one days after date, against an indorser, Lord Elhn- 
 horoiirjh hehl it to be a fatal variance not to state that the note was so payable in the 
 declaration. 
 
 (r) 'I'hc first case in the Common Bench was Ambrose v. Ilopwood, 2 Taunt. 61 
 (1809), iin action against the drawer, where it was held, that, if the declaration alleges 
 a bill to Icacceptr'd payable at the hf)use of certain persons at a particular place, it
 
 CH. rX.] CONDITIONAL AND QUALIFIED ACCEPTANCES. 307 
 
 of Lords, who decided that, if a bill of exchange is accepted pay- 
 able at the house of A <fe Co., it is a conditional acceptance, 
 restricting the place of payment, and the holder is bound to pre- 
 sent the bill at that house for payment in order to charge the 
 acceptor of the bill. If he brings an action upon the bill against 
 the acceptor, he must in his declaration aver, and on the trial 
 prove, that he made such presentment, and for want of such 
 averment the declaration was held bad on demurrer, thereby re- 
 versing the judgment of the King's Bench. (y) In consequence 
 
 must aver that the bill was presented for payment at that place, and not to those per- 
 sons generally. Then followed Callaghan v. Aylett, 3 id. 397, 2 Camp. .549 (1811), 
 a suit by the drawer against the acceptor, which decided that, if a bill is accepted pay- 
 able at a banker's, it must be presented there for payment, and neglect so to present it 
 discharges the acceptor. The next case was Gammon i'. SchmoU, 5 Taunt. 344 (1814), 
 wliere the court adhered to their former decisions, notwithstanding the cases in the 
 King's Bench, Heath, Chamhre, and Dallas, JJ. delivering opinions. The case of 
 Bowes V. Howe, id. 30, in the E.xchequer Chamber (1813), sustained the decision of the 
 King's Bench in reference to promissory notes, but reversed it on another point. Mac- 
 Donald, C. B. delivering the opinion. It has been decided in Saunderson v Judge, 2 
 H. Bl. 509, Richards v. Milsington, Holt, 364, note, Price v. Mitchell, 4 Camp. 200, 
 Exon I'. Russell, 4 Maule & S. .o05, that if the place was specified in a memorandum 
 at the foot of the bill or note, under the signature of the maker or acceptor, the pay- 
 ment was not conditional. This has been so decided since the Stat. 1 & 2 Geo IV. 
 c. 78, in Williams v. Waring. 10 B. & C» 2, ,5 Man. & R. 9, and it was held in Exon v. 
 Russell, 4 Maule & S 50.i, that a description of a note with such a memorandum at the 
 foot, as payable at a particular place, is a variance. Contra, Sproule v. Legg, 3 Stark. 
 1.56. But if the declaration merely states that the maker made the note payable at the 
 place, without saying that it was so payalile according to the tenor of the note, this does 
 not amount to a misdescription, and may be rejected as superfluous. Hardy v. Wood- 
 roofe, 2 Stark. 319. In Trecothick r Edwin, 1 id. 468, Lord Ellen'ioroucjh held, that, if 
 the memorandum is printed, it must be considered as a part of the note, having been 
 made at the same time. But qiiare There appears to have been no doubt but that, 
 in cases between the indorsee and drawer, in both courts, a pre>entment at the place 
 designated in the acceptance was necessary ; so where the place was specified by the 
 drawer in the body of the bill. Tinrial, C. J., Gibb v. Mather, 8 Bing. 214. See Roche 
 0. Campbell, 3 Camp. 247. 
 
 (y) Rowe B. Young, 2 Brod. & B. 165, 2 Bligh, 391 (1820), Lords Eldon and Redes- 
 Inle delivering opinions. The opinions of the twelve judges had been taken on the 
 following points. First, whether the holder was bound to present tlie bill at the place 
 designated. This was answered in the affirmative by Dallas, C. J., Best, Bnrroiipk, 
 Park, Richardson, JJ., Garroiv, Wood, BB. ; in the negative by Ahbolt, C. J., Bay- 
 ley, Holroijd, J J.. Richards, C. B., Graham, B. (7 — 5). Second, whether it is neces- 
 sary that such presentment should be averred in the declaration. This was answered 
 in the affirmative by Dallas, C. J., Burrough, Park, JJ., Wood, B. ; in the negative 
 by Abbott, C. J., Best, Bai/lrj/, llolroi/d, Richardson, JJ., Richards, C. B., Garroio, 
 Graham, BB. (4 — 8). It will be observed that the case was decided against the 
 opinions of the majority of the judges, as to this last point. The ground taken by those 
 who answered in the negative was, that the acceptor's readiness to pay at the place
 
 308 NOTES AND BILLS. [CH. LX. 
 
 of this decision, the statute 1 & 2 Geo. IV. c. 78, was passed, 
 reciting tliat the practice and understanding of merchants had 
 been contrary to this decision. It enacted, tliat an acceptance 
 payable at a particular place, without further expression, shall not 
 be deemed a conditional acceptance ; but if it is payable at a 
 specified place " only, and not otherwise or elseivhere,^' it shall 
 be considered conditional. (:r) The courts in this country have, 
 
 should lie set forth hy him, as a matter of defence, in a special plea aven-ing that fact. 
 The reason for sustaining the affirmative was, that tiie plaintiff must declare upon the 
 contract, and must aver everything material that the contract contains Third, whether 
 such acceptance was conditional or not. This was answered in the affirmative by the 
 same judges who decided tlie affirmative of the first question ; in the negative, by those 
 who decided the negative of the same. Fourth, whether the payee, by taking an ac- 
 ceptance qualified as to the place of payment, without the authority or consent of the 
 drawer, would discharge the drawer, so that the payee could maintain no action against 
 him upon the bill. An opinion that he wonld not be discharged, unless it could be 
 shown that he was injured or materially inconvenienced, was expressed by Bayleif, 
 Best, Din-rough, Park, RIchard.ion , JJ., Garroiv, Wood, BB. ; that no action could 
 be maintained upon the bill, i)y Abbott, C. J., Holroyd, J., Richards. C- B. The diffi- 
 culty on this point seemed to be. whether making the discharge of the drawer depend 
 upon the question of inconvenience or injury would not be introducing too lax a rule, 
 and i^ive rise to great uncertainty, and hence it would be better to lay down the rule, 
 that the drawer would be discharged, in all such cases, unless notice was sent to him. 
 Some of the judges expressed an opinion that it would be immaterial if the place speci- 
 fied were in the same town where the acceptor lived ; otherwise if in a different town. 
 In Rliodes i\ Gent, 5 B. & Aid. 244, the accej)tance was payable, when due, at a particu- 
 lar place, but the bill was not presented till soiTie days after maturity. The acceptor 
 was still held liable, having sustained no injury thereby. Abbott, C. J. said : " The case 
 of Rowe V Young goes the length of holding that a presentment is necessary at the 
 paiticular place specified ; and perhaps it may go further, and may exonerate the ac- 
 ceptor in case, by the omission to present in time, he sustains any actual prtjudice; 
 but it cannot extend to a case like the present, where no such injury is proved to have 
 arisen in consequence of the omission to present the bill for payment when due." 
 
 (s) Tiiis statute, called Sergeant Onslow's act liy Urst, C. J., Selby v. Kden, 3 Bing. 
 611. GI.3, has been held to apply, in the case of hills, to actions against the acceptor 
 alone. In a suit against the drawer, presentment at the place designated must be 
 prr)V('(i. Gibb v Mather, 8 Bing. 214, 1 Moore & S. 387, 2 Cromp. & J. 2.54. T>ndul, 
 C. J. said : " In cases between the indorsee and the drawer, upon a special accept- 
 ance by I lie drawee, no doubt ajipears to have existed but that a presentment at the 
 place specially designated in the acceptance was necessary in order to make the drawer 
 liable, upon the dishonor of the bill by the acceptor." " It appears to us that the stat- 
 ute 11' irlier intended to alter, nor has it in any manner altered, the liability of drawers 
 of bills of exchange; but that it is confini-d in its operation to the case of acceptors 
 alone " See Ktnblin i>. Dartnejl, 12 M. & VV. 8."50. It has been decided, that where the 
 place is dcsignnted in tiie body of the bill, an acceptance is absolute, unless it contains 
 the words nupiired by the statute, or their e(iuivalent. Selby v. Eden, 3 Bing. 611, 11 
 J B. Moore, .-il I ; Fayle v Bird. 6 B. & C. .')31, 2 Car. & P. 303, 9 I)6w. & 11. 639. 
 wheic Lord Tirilt:rdfn said thai lie should have entertained some doulit whether t'lc coso
 
 CH. IX.] CONDITIONAL AND QUALIFIED ACCEPTANCES. 309 
 
 with the exception of Louisiana and Indiana, hidd that such ac- 
 ceptances were nut conditional ; that demand of j)aynicnt at the 
 place specified need not be averred by the plaintiff; but that if 
 (lie acceptor was at the place at the time designated, and ready 
 to pay tlie money, it was a matter of defence to be pleaded on his 
 part, which defence, however, is no bar to the action, l)ut goes 
 only in reduction of damages, and in prevention of costs. ((/) if 
 
 was within the statute, had it not been for the authority of Selby v. Eden. In Turner 
 V. Hayden, 4 B. & C 1, 6 Dow. & R 5, Ryan & M. 21.5, the holder of a hill accepted 
 payable at a banker's, the words "only, and not elsewhere," being omitted, did not 
 present it there for payment, and the banker three weeks after failed, having iieid 
 'during tliat time a balance in favor of the acceptor alx)ve the amount of the bill. 
 It was held that the acceptor still continued liable, although he was subjected to the 
 loss of the money by the omission of the holder to present the bill there for payment. 
 So Sebag v Abitbol, 4 Maule & 8 462, decided before the statute. In 8harp v. Bai- 
 le}', 9 B. & C. 44, 4 Man. & R. 4, the drawer made the bill payable at his own house, 
 and it was held that the jury might infer from this fact that the bill was an accommo- 
 dation bill, and notice of non-payment by the acceptor to the drawer was unnecessary. 
 The statute applies to bills made payable at a particular place by the act of the drawer, 
 as well as where rendered so payable by the act of the acceptor. Selby v. Eden, 3 
 Bing. 611 ; Fayle v. Bird, 6 B & C. .531. See Halstead v. Skelton, 5 Q. B. 86; Blake 
 V. Beaumont, 4 Man. & G. 7. 
 
 (u) This point has been decided more frequently with regard to the makers of 
 promissory notes than acceptors of bills of exchange, yet the courts make no difference 
 between tiiem iu this respect. In U. S. Bank v. Smith, 11 Wheat. 171, Thompson, J. 
 expressed an opinion that demand at the place need not be averred, but there was no 
 decision on this question. It was decided, however, in W^allace v. M'Cormcll, 13 Pet. 
 136, where the cases are collected and commented upon at length. Judge Story, 
 Promissory Notes, ^ 228, note, says that be dissented, but iiis dissent does not ap- 
 pear in the report. Other cases approving this doctrine are Covington v. Comstock, 
 \\ Pet. 43; Brabston v. Gibson, 9 How. 263; 'I'hompson v. Cook, 2 McLean, 122; 
 Silver V. Henderson, 3 id. 165 ; Brown v. Noyes, 2 Woodb. & M. 75 ; Martin v. Ham- 
 ilton, 5 Harring. Del. 314, 329; Stowe v. Colburn, .30 Maine, 32; Nichols v. Pool, 2 
 Jones, N. Car. 23 ; Foden v. Sharp, 4 Johns. 183; Wohott v. Van Santvoord, 17 id. 
 248; Fitler v. Bekley, 2 Watts & S. 458; Fairchild v. Ogdenslnirgh, &c. R. Co. 15 
 N. Y. 337, Denio, C. J., where it was decided that the defence of readiness to pay at 
 the time and place mentioned goes in mitigation of damages and costs, and not to the 
 Dause of action ; Fleming v. Potter, 7 Watts, 380, wiiere the same rule was applied in 
 case of a note payable in specific articles. See Caldwell v. Cassidy, 8 Cowen, 271, an 
 action against the maker of a promissory note, in which a plea was held bad. on de- 
 murrer, because it set forth this defence in bar of the action, and not of the damai,^es ; 
 and secondly, for not showing that the defendant was ready, by paying the money 
 into court. Savage, C. J said, that he thought an account of demand would be neces- 
 sary in case of a note payable on demand at a particular place, but in Haxtun i;. 
 Bishop, 3 Wend. 1, he decided that it was not. Green v Goings, 7 Barb 652 See 
 Ruggles V. Patten, 8 Mass. 480 : Carley v. Vance. 17 id. 389, where the plea was held 
 »ad for want of profert ; Payson v. Whitcomb, 15 Pick. 212 ; Carter v. Smith, 9 Cu^h. 
 J2\ ; Eastman v. Fifield, 3 N. H. 333 ; Otis v. Barton, 10 id. 433 ; Hart v. Green, 8
 
 310 NOTES AND BILLS. [CH. IX. 
 
 a bill were accepted " payable only at such a place," it would be 
 so entirely conditional under the English statutes, that, if not de- 
 manded there, the acceptor would not be liable at all. We think 
 this should be the rule in the United States ; on the ground that 
 such words are equivalent to " Accepted, provided that," or " on 
 condition that"; but it is not certain that a bill accepted with 
 the word " only," or possibly with express words of condition, 
 might not be held by some courts as binding the acceptor to the 
 amount of the bill, but discharging him from interest and costs, 
 if he had funds at the proper place at the maturity of the bill, 
 by which it would then and there have been paid. The principle 
 upon which any such decision must be founded is, that the hav-- 
 ing the funds there for that purpose operates as a tender of them. 
 
 Vt. 191 ; Eldred v. Hawes, 4 Conn. 465 ; Jackson v. Packer, 13 id. 342; Bond j 
 Storrs, id 412 ; Bacon v. Dyer, 3 Fairf. 19 ; Remick v. O'Kyle, id. 340, where pre 
 sentment was averred and the plaintiff" was allowed to recover without introducing^ 
 evidence to support it; McKenney r. Whipple, 21 Maine, 98 ; Gammon v. Everett, 
 25 id 66; Lyon v. Williamson, 27 id 149; Dockray v. Dunn, 37 id. 442 ; Weed v. 
 Van Houten, 4 Haist 189 ; Bowie v. Duvall, 1 Gill & J. 175 ; Allen v. Miles, 4 Har 
 ring. Del. 234; M'Nairy v. Bell, 1 Yerg. 502; Mulherrin v. Hannum, 2 id. 81; 
 Blair v. Bank of Tenn., 1 1 Humph. 84 ; Bank of Ky. v. Hickey, 4 Littell, 225 ; Conn 
 V. Gano, 1 Ohio, 483, where it was also held that the averment, though immaterial, 
 yet, if made, must be proved. Pease, J. dissenting ; Butterfield v. Kinzie, 1 Scamni. 445; 
 Armstrong v. Caldwell, id. 546; New Hope D. B. Co. v. Perry, 11 111. 467 ; Irvine 
 V. Withers, 1 Stew. Ala. 234 ; Montgomery v. Elliott, 6 Ala. 701 ; Watkins v Crouch, 
 5 Leigh, 522; Armistead v. Armisteads, 10 id. 512; Sumner v. Ford, 3 Pike, 389; 
 McKicl V Real Estate Bank, 4 id. 592 ; Pryor v. Wright, 14 Ark. 189 ; Dougherty i-. 
 Western Bank, 13 Geo. 287 ; Clarke v. Gordon, 3 Rich. L. 311 ; McKenzie v. Durant, 
 9 id. 61 ; Bank of S. Carolina v. Flagg, 1 Hill, S. Car. 177 ; Bank of N. Carolina v. 
 Bank of Cape Fear, 13 Ired. L. 75 ; Henshaw v. Liberty M. F. & L. Ins. Co., 9 Misso. 333, 
 where the note was payable in paper currency ; Edwards v. Hasbrook, 2 Texas, 578 ; 
 Anilrews v. Hoxie. 5 id. 171 ; Games v. Manning, 2 Greene, Iowa, 251, where it waa 
 iK.'ld that the same rules were a|)plical)lc in case of a note payable in specific articles; 
 Wnsliington r. Planters' Bank, 1 How. Miss 230 ; Cook v. Martin, 5 Smedes & M. 
 379. where proof of an averment of demand at the place was held unnecessary. 
 Some of flic American cases hold an averment and proof of deniand necessary in the 
 case of notes paytihlc on demand, no time being sjjccified. Thoiii/ison, J., Wallace v, 
 MConnelJ, 13 IVt. 143; Bank of N. Carolina v. Bank of V,n\K- Fear, 13 Ired. L. 75; 
 Armistead v. Armisteads, 10 Leigh, 512, Slduaid, J., who said that this principle 
 would extend to the case of notes payable on demand, after a specified time. Suvage, 
 C. J., Caldwell ;;. Cussidy, 8 (^owen, 271. The cases denying this are McKcnncy v. 
 Whipple, 21 Maine, 98 ; Gammon v. Everett, 25 id. 66; Haxtun v. Bishop, 3 Wend. 
 I ; Montgomery r. Elliott, 6 Ala. 701 ; Dougherty v. Western Baid<, 13 Geo. 287 ; but 
 th"' court held in this eascr tiiat averment and demand at the place are necessary in 
 the case of n bank-note payable on dcmaTid at a s])ecificd place. Qiutre. The ivasop 
 given JH public j)olicy. The same was held in the case of a bank-note in Bank of N.
 
 CH. IX.] CONDITIONAL AND QUALIFIED ACCEPTANCES. 3ll 
 
 The cases which we have been considering are, as our notes 
 show, in a curious state of conflict, confusion, and uncertainty. 
 A great number of fine, subtile distinctions have been made on 
 a comparatively narrow point, and it seems as if ingenuity and 
 acuteness had been exerted to make refinements in an important 
 commercial question, instead of an endeavor to carry out the real 
 and honest intentions of the contracting parties, and to produce 
 uniformity in the law precisely there where uniformity is emi- 
 nently desirable. 
 
 A partial or a qualified acceptance is an agreement by the ac- 
 ceptor to pay the bill, but at a different place or time, or in a 
 different manner, from the terms thereof. Thus, where a bill was 
 drawn with a date expressed when it was payable, and the drawee 
 
 Carolina i'. Bank of Cape Fear, 13 Ired. L. 75 ; but there it was held that there was no 
 difference between notes by a natural person and those of a corporation, in this re 
 spect. In New Hope D. B. Co v. Perry, 11 111. 467, in an action on a bank-bilS 
 payable at a particular place on demand, it was held that it was not necessary to avei 
 and prove a demand at that place. In Louisiana, demand at the time and place was 
 formerly considered necessary. Mellon v. Croghan, 15 Mart. La. 423 ; Smith v. Rob- 
 inson, 2 La. 405 ; Erwin v. Adams, id. 318; Morton v. Pollard, 10 id. 552 ; Warren 
 V. AUnutt, 12 id. 454; Fort v. Cortes, 14 id. 180; Hamer v. Johnson, 15 id. 242; 
 Hart V. Long, 1 Rob. La. 83; Stillwell v. Bobb, id. 311 ; Wood v. Mullen, 3 id. 395; 
 Funes v. U. S. Bank, 10 id. 533. But these cases have been overruled. Ripka v. 
 Pope, 5 La. Ann. 61 ; McCallop v. Fluker, 12 La. Ann. 551. In Picquet v. Curtis, 1 
 Sumner, 478, Stort/, J. said : " The decision of the House of Lords in the great case 
 of Rowe V. Young settled the law, as to inland bills, upon principles which strike my 
 mind as irresistible." The cases in Indiana are Palmer v. Hughes, 1 Blackf. 328 ; 
 Gilly V. Springer, id. 257. See Alden v. Barbour, 3 Ind. 414. In Bassett v. Wills, 4 
 Leigh, 114, the note was made negotiable at a certain bank. Held, that although 
 negotiable there, it was not therefore payable there, and that an averment of presenta- 
 tion at the bank need not be proved. See Hills v. Place, 48 N. Y. 520. 
 
 In an action against the drawer or indorser, it is necessary to aver and prove de- 
 mand at the place. The reason is, that their undertaking is conditional, while that of 
 the maker and acceptor is primary. U. S. Bank v. Smith, 11 Wheat. 171 ; Berkshire 
 Bank v. Jones, 6 Mass. 524 ; Woodbridge v. Brigham, 12 id 403, corrected 13 id. 556 ; 
 Hart V. Green, 8 Vt 191, 194, per Phelps, J.; Allen v. Smith, 4 Harring. Del. 234, 
 piM- Booth, C. J. ; Shaw v. Reed, 12 Pick. 132; North Bank v. Abbot, 13 id. 465, 
 Bank of Wilmington, &c. v. Cooper, 1 Harring. Del. 10 ; Tuckerman v. Hartwcll, 3 
 Greenl. 147. In this last case, Mellen, C. J. denies that there is any difference whether 
 the action is brought against a drawer or indorser, or against an acceptor or maker. 
 See Irvine v. Withers, 1 Stew. Ala. 234 ; Roberts v. Mason, 1 Ala. 373 ; Glasgow v. 
 Pratte, 8 Misso. 336 ; Sullivan v. Mitchell, 1 N. Car. L. Rep. 482. See Smith v. 
 M'Lean, 2 Taylor, N. Car. 72 ; Nichols v. Pool, 2 Jones, N. Car. 23 ; Watkins v. 
 Crouch, fi Leigh, 522, which was a suit against the maker and indorser jointly, and it 
 was held that it was not maintainable without averment and proof of demand at the 
 place specified. Nor does the acceptance, by the indorser, of an assignment of all the 
 plfects of the maker as security for part of the note, dispense with such demand. Ibid,
 
 h] 2 NOTES AND BILLS. [CH. IX. 
 
 promised to pay it on a subsequent day, the acceptance was held 
 to be good within the custom of merchants. (6) A bill drawn 
 payable November 28, 1836, forty-two months after date, being 
 accepted on condition of its being renewed till November 28, 
 1844, was held to be a good acceptance, and the bill to be prop- 
 erly declared on as accepted payable November 28, 1844.(6") So 
 a draft payable at sight may be accepted payable at a subsequ(3nt 
 dny.{d) An acceptance for part of the bill is a good acceptance 
 for that part. Where the drawee of a bill for £ 127 accepted to 
 pay £ 100, part thereof, it was held a binding acceptance. ((^) And 
 an acceptance to pay half in money and half in bills, is a good 
 acceptance as to the part payable in money. (/) We have already 
 seen that an acceptance by a partner, in his own name, of a bill 
 drawn on a firm, binds the firm.(o') The same has been held 
 with reference to joint traders, if it concerns the trade ; but it is 
 otherwise if it concerns the acceptor in a distinct interest and 
 respect. (/t) If a bill drawn on a partnership is not accepted un- 
 til after a dissolution publicly announced, it binds only the part- 
 ner accepting it, if the other partners have not consented to his 
 'uv.t.[i) A partner signing his former firm's name, inadvertently, 
 after dissolution, is held personally liable.(a) It may be stated as 
 the result of the cases, that an acceptance by one of a bill addressed 
 to several, renders the acceptor personally liable.(^') 
 
 {b) Walker v. Atwood, 11 Mod. 190. 
 
 (c) Russell V. Phillips, 14 Q. B. 891. 
 
 (d) darker. Gordon, 3 Rich. 311. And it is said that, if the drawee of a bill payable 
 at sight promises to pay it if it is presented at a particular time, the plaintitF need not 
 aver or prove presentment at that time. Ibid. In Price v. Shute, Chitty on Bills, 303, 
 a hill payable Jan. 1st was accepted payable March 1st. The holder struck out this 
 last date and inserted Jan. 1st. The acceptor refused to pay on presentment at that 
 time The holder then restored the date to March 1st, and recovered against the 
 acceptor. 'I'his case has been doubted by Lawrence, J., Paton v. Winter, 1 Taunt. 
 420, and in Master v. Miller, 4 T. R. 320. 
 
 (e) VVcgerhlofTe v Kecne, 1 Stra. 214; see Douglass r. Wilkeson, 6 Wend. 637 
 642. 
 
 (/) Petit V. Benson, Comb. 452. 
 
 (f/) Sii/>ra, p. 12-'J, note A:. 
 
 (//) I'inkney v. Hall, 1 Saik. 126; Dupays v. Shepherd, Holt, 296. 
 
 (i) Toiiit)Cckbee Bank v. Dumell, ."i Mason, 56. 
 
 (ii) LuinbiMiimn'.H Uiiiik ;'. I'riitl, 51 Maine, 503. 
 
 (j) Muii/r, .]., Owen i: Van Lister, 10 C. Ji. 31H, 1 Kng. L. & K(i. 396.
 
 CH. IX.j ACCEPTANCE FOR HONOR. 313 
 
 SECTION IV. 
 
 ACCEPTANCE FOR HONOR. 
 
 There can be no acceptance except by a drawee, or by a drawee 
 cm besom, or by some one for honor.(A;) If there purport to be a 
 further or other acceptance, the person making it may be held as a 
 ii;;uarantor or otherwise on his contract, (if there is a consideration,) 
 but not as acceptor.(^) 
 
 An acceptor for honor of a forged bill is estopped to deny its gen- 
 uineness as against a holder who discounted the bill on the faith of 
 the acceptance. (//) 
 
 If the original drawee refuses to accept the bill, and there is 
 no drawee au besoin, or he refuses also, and the bill has been 
 duly protested, then any person may come forward and accept 
 the bill "for honor," and this may be done at the request, and 
 under the guaranty, of the drawee. (m) Such acceptance may 
 also be made if the original drawee, after acceptance, absconds 
 or becomes insolvent. (w) This last acceptance, "for better se- 
 curity," as it is called, is practised in England much more fre- 
 quently than in this country. 
 
 The acceptor for honor may accept for any one or more, or all 
 the parties antecedent. Properly the acceptance should desig- 
 nate for whose honor it is made, and then it enures to the benefit 
 of that party and of all parties subsequent to him.(o) If it is gen- 
 eral, it will be taken to be for the honor of the drawer, and enures 
 to the benefit of all parties subsequent. The holder may elect to 
 receive or reject this acceptance at his pleasure. (/?) If he receives 
 it, then the acceptor is bound to all persons to whom the party 
 for whom he accepts would have been bound. In some instances 
 the acceptor for honor writes over his acceptance " provided due 
 demand be made, and the drawer " (or any other party for whom 
 
 (fc) May V. Kelly, 27 Ala. 497 ; Jackson v. Hudson, 2 Camp. 447 ; Polhill v. Walter. 
 3 B. & Ad. 1 14 ; Davis v. Clarke, 6 Q. B. 16. See Jenkins v. Hutchinson, 13 Q. B. 752. 
 The drawee may recognize an acceptance as his. See Lindus v. Bradwell, 5 C. B. 583. 
 
 (l) Jackson v. Hudson, 2 Camp. 447. 
 
 (U) Phillips V. Thurn, Law Rep. 1 C. P. 463. 
 
 (m) Konic; v. Bayard, 1 Pet. 250. 
 
 (?i) Ex parte Wackerbath, 5 Ves. 574. 
 
 (o) Hussey v. Jacob, 1 Ld. Rnym. 88; Lewin p. Brunetti, 1 Lutw. 896, Carth. 199. 
 
 (p) Mitford V. Walcot, 12 Mod. 410; Gregory v. Walcup, 1 Comyns, 75. 
 
 Vol. I. 27
 
 314 NOTES AND BILLS. [CH. IX. 
 
 he accepts) " is duly notified." The object of this is to prevent the 
 acceptor for honor from being liable, unless the party for whose 
 honor the acceptance is made is himself liable. We think, however, 
 that the law merchant would itself make this provision, unless there 
 was an express or implied waiver by the acceptor for honor. (g) 
 
 The holder cannot look to the prior parties of a foreign bill, 
 unless he protested the bill for the non-acceptance of the drawee, 
 and gave them due notice. (r) And this should regularly be 
 done, even where there has been a proper acceptance, and, the 
 drawee having failed or absconded, a subsequent acceptance for 
 honor is made. 
 
 For the reason that an acceptance for honor cannot properly 
 be made until the bill has been protested for non-acceptance ; or, 
 if the acceptor have failed or absconded, for better security ; such 
 acceptance is usually designated in England and in this country 
 as an acceptance svpra protest; this being required by the law 
 merchant as the only appropriate proof of that failure or refusal 
 to accept of the proper person, which alone gives to a third party 
 the right to come in and accept "for honor."(i-) A holder, aa 
 we have said, may entirely refuse an acceptance for honor ; in 
 which case he has, of course, no claim whatever against one who 
 proposes to be an acceptor for honor, or becomes so without the 
 assent of the holder. If he receives this acceptance, he can 
 demand payment of the bill from the acceptor for honor only at 
 its maturity. (^) So, also, all of those for whose honor the bill ia 
 accepted are protected by it, if such acceptance is received, in 
 the same manner in which they would have been by a regular 
 acceptance by the drawee. If the acceptance be without limita- 
 tion, we have seen that it is construed as an acceptance for the 
 honor of the drawer, but it may be for the honor " of the bill," 
 or " of all the parties," and then it must be so expressed ; {u) 
 but if it Ijc a special acceptance for the honor of one or more of 
 the prior parties who are particularly designated, it is not for 
 
 (7) Buriii|r i;. Clark, 19 Pick. 220. 
 
 (r) I'lKuiiix Hank v. llus.scy, 12 Pick. 483. 
 
 («) I'licuiiix Bank v. llussuy, 12 Pick. 483. 
 
 {I) Williams v. (icnnaine, 7 B. & C. 4G8, 1 Man. &. R. 394, 403. Lord Teuterden 
 Baid : An uccciitance for lioiior " is equivalent to gaying to the holder of tho ^lill, 
 ' Keep this hill, don't return it, and when the time arrives at which it oufj;ht tt he paid, 
 if it is not paid hy the jiarty on whom it was originally drawn, coino to me and you 
 shall have tiie money.' " 
 
 (u) See Gazzam v. Armstrong, 3 Dana, 5.')4.
 
 OH. IX.] ACCEPTANCE FOR HONOR. 315 
 
 the honor of those prior to the party for whom it is accepted, and 
 they are excluded from its benefit and protection. (y) And it 
 seems that the holder, if he has duly notified these unprotected 
 parties of the non-acceptance, may immediately resort to them 
 for payment, in the same manner as if there were no acceptance 
 at ii\\.{w) 
 
 Tlie drawee may himself refuse to accept the bill generally, 
 and may then accept it supra protest for some one or more 
 of the parties ; as, for instance, he may refuse to accept it 
 for the drawer, and may then accept it for the honor of an in- 
 dorser.(.x) But if it was his duty to accept it generally, by 
 reason of tlie state of his accounts with the parties, he gains 
 nothing by refusal and subsequent acceptance supra protest ; nor 
 would he in any case, if this subsequent acceptance supra protest 
 were general, or for all parties to the bill, (7/) There may be sue 
 cessive acceptors for honor, for the reason that there may ho, 
 many persons for whom acceptance supra protest may be made. 
 Tliere can be but one such acceptance for one person, if that bo 
 received by the holder ; but there may be a separate acceptance 
 by as many persons, for the honor of each party to the bill, as 
 there are such parties. (sr) It has been held that an acceptor 
 supra protest for the honor of the first indorser, may require of 
 the holder as a condition of payment that the bill shall be in 
 dorsed to him. (a) 
 
 The acceptor supra protest is bound to all persons to whom the 
 acceptor would have been bound, as has been said, but he is not 
 bound to them in the same way, or on the same conditions. A 
 drawee becomes by acceptance an absolute promisor, like the 
 maker of a note ; and the drawer is as his indorser. But an 
 acceptor for honor is liable rather as an indorser ; for he is 
 
 (») Beawes, p. 459. 
 
 (w) Beawes, p. 4.59. 
 
 (x) Beawes, pi. 33. 
 
 (y) Schimmelpennich v. Bayard, 1 Pet. 264. Marshall, C. J. said : " If the drawees, 
 refusing to honor the bill, and thus denying the authority of the drawer to draw upon 
 them, were bound, in good faith, to accept or pay as drawees, they will not be per- 
 mitted to change the relation in which they stand to the parties on the bills by a wrong- 
 ful act. They can acquire no rights, as the holders of bills paid supra protest, if they 
 were bound to honor them in their character of drawees." 
 
 {z) Beawes, pi 42. 
 
 (a) Freeman v. Perot, 2 Wash. C. C. 485.
 
 316 NOTES AND BILLS. [CH. IX. 
 
 bound to pay only on condition that the bill shall be again pre- 
 sented for payment at maturity to the drawee (who may in the 
 mean time be furnished with funds), and, if not then paid, be 
 regularly protested for non-payment, and notice given to him. (6) 
 Where a bill drawn on a merchant in Liverpool, payal)le in 
 London, was presented to the drawee, who refused to accept ; 
 and was subsequently accepted in London for the honor of the 
 payee, " if regularly protested and refused when due," it was 
 held that a presentment for payment to the drawee in Liverpool, 
 a refusal by him, and a protest there, were necessary in order to 
 charge the acceptor for honor. (c) Evidence was introduced in 
 this case to show that the usage under such circumstances was 
 to have the protest for non-payment made in London ; but the 
 
 (6) Hoare v. Cazeiiove, 16 East, 391. Lord Ellmboroitf/h said : " The question, there- 
 fore, is, whether a presentment to the drawees for puyment, and a protest for non-pay- 
 ment b_v them, is or is not essential as a previous requisite to the maintaining of an 
 action against tliese defendants, the acceptors for the lionor of the "first indorscrs ; and 
 this depends upon the nature and obligation of an acceptance for the honor of the 
 drawer or indorser. If an acceptance in these terms be an engagement by tiie person 
 giving it that lie will pay the bill when it becomes due, and entitles the holder to look 
 to him in the first instance, without a previous resort to any person, the plaintiff's are in 
 that case entitled to recover upon their second count ; but if such an acceptance be in its 
 nature qualified, and amount to a collateral engagement only, i e. an undertaking to pay 
 if the original drawee, upon a presentment to him for payment, should persist in dis- 
 honoring this bill, and such dishonor by him should be notified, by protest, to the person 
 who has accepted for the honor of the indorser, — then* the necessary steps have not 
 been taken upon this bill, and the plaintiffs cannot recover. And such, after much con- 
 sideration, we are of opinion, is the case The use and convenience, and indeed the 
 
 necessity, of a protest upon foreign bills of exchan.ge, in order to prove, in many 
 cases, the regularity of the proceedings thereupon, is too obvious to warrant us in dis- 
 pensing with such an instrutnent in any case where the custom of merchants, as re- 
 ported in the authorities of law, appears to have required it. And indeed the reason 
 of the thing, as well as the strict law of the case, seems to render a second resort to the 
 drawee proper when the unaccepted bill still rcnn\ins with the holder ; for effects often 
 reach the drawee who has refused acceptance in the first instance, out of which the bill 
 mav, and would he, satisfied, if i)resented to him again when the period of payment 
 had arrived. And the drawer is entitled to the chance of benefit to arise from such 
 second demand, or at any rate, to the benefit of that evidence which the protest affords, 
 that the demand has been made duly, without effect, as fiir as such evidence may bo 
 available to him for purposes of ulterior resort." In Williams v. Germaine, 7 B. & C. 
 468, the doctrine of Moare v. Ca/.enove was aflirmed, and judgment arrested because 
 the declaration did not aver presentment to the drnwee for payment. Mitchell v. Bar- 
 ing, 10 B. & C 4; Roach i;. Ostler, I Man. & R. 120; Lenox v. Levcrett, 10 Mass. 
 I ; Schofield V Bayard, :J Wend. 488. 
 
 (r) Mit.ti.ll V. Baring, 10 B & C. 4, 4 Car. & V. 35, Moody & M. 381. Sec Sciio- 
 tirU\ V. Bayard, 3 Wend. 488.
 
 CH. IX.] ACCEPTANCE FOR HONOR. 317 
 
 court held that the peculiar form of the acceptance rendered an 
 inquiry into this custom irrelevant and unnecessary. In conse- 
 quence of this doubt Ijirovvn on the validity of the usage, the 
 statute 2 & o Wm. IV. c. 98 was passed, which, after reciting 
 that doubts had arisen on this point, and tlie expediency of 
 removing them, enacted that bills so accepted may be protested 
 for non-payment in the places in which the drawers made them 
 payable, without further presentment to the drawees, unless the 
 amount owing upon such l)ills of exchange shall have been paid 
 to the holders on the day on whicli the bills would have become 
 payable had they been duly accepted. 
 
 If an acceptor for honor pay the bill, or if any one pays for 
 honor supra protest, although he did not accept, he may resort 
 for full indemnity for his payment and all legal costs to the 
 person or persons for whose honor he made the acceptance or 
 the payment, and to all parties who would liave been liable to 
 those persons had they paid the bill themselves. (</) And he may 
 declare generally upon this custom, (e) or perhaps generally upon 
 a count for money paid to tlie defendant's use.(/) In an action 
 upon a bill with several indorsements, by one who has paid the 
 bill for the honor of one of the indorsers, it is sufficient, even 
 upon special demurrer, to state that he paid the bill according to 
 the custom of merchants, without stating that he paid it to the 
 last indorsee. (o-) Nor can such payment for a party discliarged 
 by laches revive his lost liability. (/t) If it had been accepted by 
 
 (d) Leake v. Burgess, 13 La. Ann. 1.56 ; Gazzam v Armstrong, 3 Dana, .T.i4, where 
 Marshall, J said : " We are decidedly of opinion, that he (the acceptor for honor) ac- 
 quired no demand, or right of action, against any party suhsequcnt to the one for whom 
 he made the payment, and that, even as against the preceding parties, he was only 
 substituted to the rights of tliat party, in the same condition as if he had paid the bill 
 himself." In Mertens v. Winnington, 1 Esp. 113, " Lord Kenyan was of opinion that 
 when a bill is so taken up (for honor), that tiie party who does so is to be considered as 
 an indorsee paying full value for the bill, and as such entitled to all the remedies to which 
 an indorsee would be entitled, that is, to sue all the parties to the bill." This seems 
 rather too broad a proposition " He has the right and remedies of the indorser for 
 whom he pays the bill, if he cliooses to put himself in that position." Erie, J., Goodall 
 V. Polliill, 1 C. B. 233, 239. It is necessary for the acceptor for honor, on payment 
 of the bill, to give notice of the payment to the party for whom he accepted ; otherwise 
 he loses all claim upon him Wood v. Pugh, 7 Ohio, 1.56. 
 
 (e) Fairley v. Roch, 1 Lutw. 891. 
 
 (/) See Smith v Nissen, 1 T. II. 269 ; Vandewall v. Tyrrell, Moody & M. 87. 
 \q) Cox V. Earle, 3 B. & Aid. 430. 
 (h) See Higgins v. Morrison, 4 Dana, 100. 
 97 *
 
 318 NOTES AND BILLS. [CH. IX. 
 
 the drawee, and the acceptance for honor had been for better se- 
 curity, the acceptance gives a claim against the acceptor also.(f) 
 
 If both drawer and acceptor had become bankrupt, and the 
 acceptance were for the drawer's accommodation, it has been 
 held that the acceptor for honor must first resort to the estate of 
 the drawer, (y) It was, however, held in a subsequent case, that 
 the payer for the honor of the drawer, under similar circum- 
 stances, has no claim on the assignees of the acceptor, because 
 the drawer himself had none. (A;) 
 
 An acceptor for honor of the drawer thereby releases the 
 accommodation acceptor of the bill, because an acceptor for 
 honor can acquire only the rights of the party whom he thus 
 protects, and a drawer has no claim upon an accommodation 
 acceptor. (/) If a drawee who is not bound to accept a bill 
 refuses acceptance, and requests a third person to accept it for 
 honor of an indorser, and guarantees that third person for so 
 doing ; if such acceptor for honor pay the bill, he may still 
 resort to the indorser. But the indorser may put in any defence 
 he would have had against the drawee. (»i) If an acceptor for 
 honor of an indorser specially promises to pay any person au- 
 thorized to receive the money and give a valid discharge, it 
 seems that he is not bound to pay unless the holder will put his 
 name on the bill, or give him a bond of indemnity. (w) 
 
 If the bill be payable at so many days after sight, and accepted 
 for honor, the time which the bill has to run is computed, not 
 from presentment to the drawee, but from the acceptance svpra 
 protest, (o) 
 
 An acceptor supra protest should go before the notary public 
 with witnesses, and declare that he accepts the bill for honor, and 
 designate for whose honor he so accepts. This is at least the 
 usual way, and no very Avide departure from it would probably 
 be allowed. (/v) But although, when he writes his acceptance on 
 
 (i) Ex parte Wackcrhnth, 5 Vcs. .574. 
 {j) Kx i)!irtc Wa(keil)iitli, .5 Vcs. .574. 
 (k) Ex !)artc Lamticrt, 13 Ves. 179. 
 
 (/) McDowell V. Cook, 6 Smcdes & M. 420; Gazzam v. Armstrong, 3 Dana, 554 
 Ex parte; Lambert, 13 Vcs. 179. 
 (m) KoTii;: v. Bayard, 1 Pet. 250. 
 («) Fneiiiiiii i;. Perot, 2 Wash. C. C. 485 
 
 (o) Williatris v (MTniaitn;, 7 B. & C. 468, 1 Man. & R. 394, 403 
 (p) Gaz/.arn v. Armstn^ii;,', 3 Dana, 554.
 
 CH. IX.] AC^PTANCE FOR HONOTl. 319 
 
 the face (as he shciild), and signs it, it is proper to say, "Ac 
 cepted supra protest," or "for honor," it seems to be sufficient, 
 and may now be even more usual, to say only, " Accepted S. P." 
 
 After protest for non-acceptance, whether there be acceptance 
 supra protest or not, there should be a regular demand and pro- 
 test for non-payment, and due notice given, not only to enable 
 the holder to sue all parties, but to enable the acceptor for honor 
 to sue the party for whom he accepts. (</) 
 
 The whole law on the subject of the acceptance of bills supra 
 protest is quite peculiar, and is a decided exception to the rule 
 that no man can make himself the creditor of another without 
 his aiithority or consent. For here, any stranger, as we have 
 seen, may become bound for another, and, by satisfying the obli- 
 gation, acquire a positive claim against him for indemnity, with- 
 out either avithority or consent from him. But the rule is derived 
 from the law merchant, and rests altogether upon the purpose 
 and functions of bills of exchange. It is not yet extended, 
 either in law or by usage, to the case of promissory notes ; where- 
 fore, one who pays a note which is overdue, without authority or 
 request from him who owes it, acquires thereby no right against 
 him. 
 
 It is said by Cliitty, that a presentment should be made to the 
 acceptor for honor after the prior requisites have been performed, 
 and if this is not done, he may be discharged from liability. (r) 
 But we know no authority for this. Before paying, the acceptor 
 should ascertain whether the signature of the party for whose 
 honor he is about to pay is genuine or not. If it is forged, he 
 can have no recourse to the party himself, and unless the forgery 
 be promptly discovered, and immediate notice given to tlie holder 
 to whom payment had been made, all claim on the latter would 
 be extinguished. (s) And it has been held that the mistake must 
 be discovered, and notice given, on the very day of payment, in or- 
 der to hold the prior parties ; [t) the reason being, that the holder 
 is entitled to know on the day the bill falls due whether it is hon- 
 ored or dishonored. If the acceptor for honor pays the bill, he 
 should declare before a notary that he pays supra protest, speci- 
 
 fy) Schofield V. Bayard, 3 Wend. 491. 
 
 (r) Chitty on Bills, 351. 
 
 (s) Wilkinson v. Johnson, 3 B. & C. 428, 5 Dow. & R. 403. 
 
 (t) Wilkinson v. Johnson, 3 B. & C 428; Cocks v. Mastcrman, 9 B. & C. 902.
 
 320 NOTES AND BILLS. [CH. IX. 
 
 fying the party for whom he pays ; and this declaration should 
 be recorded by the notary, either in the protest itself or in a sep- 
 arate instrument. (m) Notice should also be given of this pay- 
 ment to the party for whose honor payment is made, otherwise 
 the payer for honor will lose his right to call upon him to re- 
 fund, (y) If the acceptor for honor should himself refuse to pay, 
 there should be still another protest, and notice given to tlie 
 drawer and indorsers.(z^;) It seems that the formal instrument 
 of protest may be drawn up at any time, even after the com- 
 mencement of an action by the party paying against the party for 
 whose honor the payment was made, (a;) 
 
 SECTION V. 
 
 WHAT ACCEPTANCE ADMITS. 
 
 Every acceptance admits the signature of tlie drawer, and the 
 acceptor is liable to an innocent holder for value, although the 
 signature be forged. (i/) But the admission and consequent liability 
 go no further. If the amount be altered, the acceptor is liable only 
 for the original amount ; and it is held that if he pays more in good 
 
 4 Man. & R. 676. This last case is cited by Cowen, J., Canal Bank v. Bank of Al. 
 bany. 1 Hill, 287, 292, and disapproved, as requiring "an almost impracticable dili- 
 gence. I doubt whether this case can be sustained, except upon its own peculiar 
 circumstances, if it can be sustained at all." 
 
 (u) Bcawes, pi. 53. In Geralopulo v. Wieler, 10 C. B. 690, 709, 3Iaide, J. said : " It 
 is a part of the mercantile law respecting payments for honor, that they must be pre- 
 ceded or accompanied by a declaration, made in the presence of a notary, for whose 
 honor he pays the bill, which should be recorded by a notary, eitlier on the protest or 
 in a separate instrument. It would indeed be contrary to a general principle of law and 
 justice, if a person who made a payment, or did an act simply without limit or qualifi- 
 cation, could afterwards, by a subsequent declaration limiting or qualifying its effect, 
 affi'ct the ritrht of others. No person, therefore, paying money simply to the holder of 
 a bil', could, by the general rules of law, by a subsequent declaration, cause a pay- 
 ment so made to assume the character of a payment for honor. The custom of mer- 
 chants requires the declai-ation which is to qualify the payment to be made in the pres- 
 ence of a notary." See also Gazzam v. Armstrong, 3 Dana, 554. 
 
 (/•) Wood V. I'ugli, 7 Ohio, 156. 
 
 (w) Chitfy on Bills, p. 352. 
 
 (.t) So held in Geralopulo v. Wider, 10 0, B. 690. This case explains Vandewall 
 V. Tyrrell, Moodv & M. 87, where a somewhat different rule was apparently laid down. 
 
 (y) In Wilkinson v. Lutwidge, 1 Stra 648, an action on the case against an accejjtor, 
 it was oliiccfcd that the acceptance could not be proved till after proof of the signa- 
 tarc of the drawer. " But as to this, the ('hicf Justice (Lord I\(ii/iiio?id) was of opinion 
 that prf)(>f of (in acccf)tance was a sufficient acknowledgment on the part of tlie ac- 
 ceptor, who rnii.st be MUpponed to know the hand of \ns own eorn'spoiident, l>ui he said
 
 en. IX.] WHAT ACCEPTANCE ADMITS. 321 
 
 faith, he may recover back the excess.(j/y) If the acceptor, in an 
 action against him by an indorser, denies by his plea the hand- 
 writing of the drawer, the plaintiff may reply the acceptance by way 
 of estoppel. (2) The acceptance also admits the capacity at that time 
 of the person, to whom the bill is payable, to indorse, and the ac- 
 ceptor cannot afterwards say that this person was a bankrupt, (a) or 
 an inf;int,(6) or a married woman ;(c) although in the latter ease, 
 if slie indorsed it over, and afterwards her husband exercised liis 
 right and indorsed it also, the acceptor might be obliged to pay it 
 twice.(d) Nor can the acceptor say that the bill was drawn upon 
 a corporation which had no power to indorse.(e) 
 
 But if the bill be actually indorsed at the time of acceptance, 
 this does not admit the genuineness of the indorsement, (/) uidess 
 the name be that of a living person which is forged, and the 
 drawee knew this, and intended to give currency to the bill so 
 indorsed. (^r) We should extend this principle so far as to say 
 
 it would not be conclusive evidence." In Jenys v. Fawler, 2 id. 946, Lord Rdyinond 
 " stron<j;l y inclined that even actual proof of forgery would not excuse the defendants 
 against their own acceptance, which had given the bill a credit to the indorsee." In 
 Price r. Neal, 3 Burr. 13.54, the acceptor, having paid a bill with the signature of the 
 drawer forged, was not allowed to recover back the amount from the indorsee to whom 
 he paid it, on the ground that his acceptance was an admission of the signature. " When 
 a bill is presented for acceptance, the acceptor only looks to the handwriting of the 
 drawer, which he is afterwards precluded from disputing, and it is on that account that 
 an acceptor is liable, even though the bill be forged " Per Buller, J., Smith v. Ches- 
 ter, I T. R. 654 ; Master v Miller, 4 T. R. 320; Dampier, J., Bass v. Clive, 4 Maule 
 & S. 1.5 ; Porthoiise v. Parker, 1 Camp. 82; Levy v. Bank of U. S., 1 Binn. 27, 4 Dal 
 las, 234 ; Peoria, &c. R. Co. v. Neill, 16 III. 269 ; Whitney v. Bunnell, 8 La. Aim. 429 
 See Ellis v. Ohio Life, &c. Co., 4 Ohio State, 623 ; Canal Bank v. Bank of Albany, 
 1 Hill, 287 ; Talbot v. Bank of Rochester, id. 295; Claflin v. Griffin, 8 Bosw. 689. 
 
 (yy) Park Bank v. Ninth Bank, 55 Barb. 87 ; 7 Ahliott, Pr. N. Y. 120. 
 
 {z) Simderson v. Coleman, 4 Man. & G. 209. So an indorsement by the pnyee ad- 
 mits the signature of the maker. Free v. Hawkins, Holt, 550. 
 
 (a) Braitlivvaite v. Gardiner, 8 Q. B. 473. See Pitt v. Chappelow, 8 M. & W. 616; 
 Drayton v. Dale, 2 B. & C. 293, 3 Dow. & R. 534. 
 
 (b) Taylor v. Croker, 4 Esp. 187; Jones v. Darcb, 4 Price, 300. See snprn, p. 70. 
 
 (c) Prince v. Brunatte, 1 Scott, 342, 3 Dowl, Prac. Cas. 382. Covvton i>. Wicker- 
 sham, 54 Penn. 302. 
 
 {d) Smith V. Mar.<ack, 6 C. B. 486. 
 
 (e) Hallifax v. Lvle, 3 Exch. 446. 
 
 (/) Smith V. Chester, 1 T. P. 654; Carvick v. Vickery, 2 Doug. 653, note; Robarts 
 V. Tucker, 1 6 Q. B. 560. 
 
 {g) Beeman v. Duck, 11 M. & W. 251. In this case Parke, B. remarked, with ref- 
 erence to the case where the drawer and first indorser is the same party, that "it is 
 insisted that in such a case the acceptor, though he admits that the bill wiis drawn by 
 the pnrties by whom it purports to be drnwn. does not admit the indorsement by the 
 same parties; a doctrine which is clearly established as to bills wherein the signature 
 is not forged." Robinson v. Yarrow, 7 Taunt. 455, is cited as the authority for this, 
 and an opinion is intimated that the rule is the same where the drawer's name was forged. 
 
 Vol. I.— V
 
 322 NOTES AND BILLS. [CH. IX. 
 
 that, whatever objection might exist against a bill, if the drawee 
 accepted the bill with a knowledge of it, the presumption would 
 be that he intended to give currency to that bill, although then 
 objectionable, and that he could not afterwards avail himself of 
 such objection. But acceptance, together with payment by the 
 acceptor, do not admit the genuineness of an indorsement by the 
 payee ; and the acceptor may, on discovering that the payee's 
 signature was forged, recover the amount from the party to whom 
 the payment was made.(/t) If, however, it appears that the 
 payee was never the owner of the bill, nor had any interest in it, 
 and the drawer put it in circulation with the forged signature 
 upon it, the acceptor cannot now recover back the money he has 
 paid from the party to whom he paid it, but may cliarge it to the 
 drawer, who will be estopped from denying the genuineness of 
 the indorsement, (i) If a bill be drawn by one as the agent of 
 another, acceptance admits his authority to draw the bill, but not 
 his authority to indorse it.(j) If it be drawn in a fictitious 
 name, the acceptor not only admits this to be good, but is said to 
 be bound by any indorsement of the same name by the same 
 hand. (A;) 
 
 If the drawee of a bill which purports to have been ac- 
 cepted, once admits that the acceptance is his, and so gives 
 currency to the bill, this is in the nature of a conclusive adop- 
 
 Robinson ». Yarrow decides that acceptance admits the authority of an agent to draw, 
 but not his authority to indorse, though both signatures arc in the same handwriting. 
 Park, J. said, that " mere acceptance proves the drawing, but it never proves the in- 
 dorsement." Smith V. Chester, 1 T. R. 6.')4, decides that, in an action by an indorsee 
 against an acceptor, it is necessary to prove the handwriting of the first indorsir, hut 
 it docs not appear that the drawer and first indorscr was the same party. "There might 
 be a distinction between Robinson v. Yarrow and the point tmder consideration, on 
 the ground that an authority to draw and an authority to indorse are different tilings 
 The reason for holding that acceptance admits the drawer's signature, because the 
 acceptor is bound to know the writing of the drawer, migiit extend also to an indorse- 
 ment by the same party; and so also the reason that the acccjjtor is bound to look at 
 the drawer's signature, for if the bill is drawn payable to the order of the drawer, the 
 drawee should look further, and see if the drawer has not ordered it ; for if he has not, 
 the bill is incomplete. 
 
 (h) Canal Bank v. Bank of Albany, 1 Hill, 237 ; Talbot v. Bank of Rochester, id. 
 29.5; Dick v Leverick, 11 La. 57.3 ; Hortsman v. Ilenshaw, 11 How. 177. 
 
 (0 Coggill V. American Bank, 1 Comst. 113 ; Hortsman v. Hcnshaw, 11 How. 177: 
 Mcachcr v. Fort, 3 Hill, S. Car. 227. 
 
 (j) Robinson v. Yarrow, 7 Taunt. 45.'), 1 J. B. Moore, 150. So, though the indorse- 
 ment was made l)cf()re acceptance. Park, J., id. 
 
 (/-) Cooper V. Meyer, 10 B. & C. 468 ; Bccman v. Duck, 11 M. & \V. 251
 
 Cll. rX.] WHAT ACCEPTANCE ADMITS. 323 
 
 tion ; and lie cannot afterwards defend himself by showing it 
 to be a forgery, even if he made the admission believing the ac- 
 ceptance to be his own.(/) If an acceptor who is bound by his ad- 
 mission pay a forged bill, this gives him no claim against an inno- 
 cent drawer, whose name was used.(m) If the acceptor of a bill 
 pnts it into circulation, he thereby admits it to be a valid sut> 
 sisting bill, and cannot afterwards allege that he paid it Ijefore 
 maturity, (w) 
 
 A bill of exchange is presumed to be drawn on funds, with 
 the understanding between drawer and drawee that it is an 
 appropriation of tbe funds of the former in the hands of the lat- 
 ter, and acceptance is an admission that it was so drawn, and of 
 such a relation between the parties. (o) An acceptance for honor 
 does not, however, admit the genuineness of the signature of the 
 party for whose honor the acceptance is made.(/>) And if the 
 bill is so paid, the person paying may, if due diligence be used, 
 recover back the amount from the holder who received it.(^) 
 
 (Z) Leach v. Buchanan, 4 Esp. 226. 
 
 (m) Hortsman v. Henshaw, 11 How. 177. 
 
 (n) Hinton v. Bank of Columbus, 9 Port. Ala. 463. 
 
 (o) Jordan v. Tarkington, 4 Dev. 357 ; Raborg v. Peyton, 2 Wheat. 3S.5 ; Horts- 
 man V. HenshSw, 11 How. 177. 
 
 (p) Wilkinson v. Johnson, 3 B. & C. 428. Albott, C J. said : " A bill is carried 
 for payment to the person whose name appears as acceptor, or as agent of an acceptor, 
 entirely as a matter of course. The person presenting very often knows nothing of the 
 acceptor, and merely carries or sends the bill according to the direction that he finds 
 upon it; so that the act of presentment informs the acceptor or his agent of nothing 
 more than that his name appears to be on the bill as the person to pay it; and it be- 
 hooves him to see that his name is properly on the bill. But it is by no means a mat- 
 ter of course to call upon a person to pay a bill for the honor of an indorser ; and such 
 a call, therefore, imports, on the part of the person making it, that the name of a cor- 
 respondent for whose honor the payment is asked is actually on the bill ; but still his 
 attention may reasonably be lessened by the assertion that the call itself makes to him 
 in fnct, though no assertion may be made in words. And the fault, if he pays on a 
 forged signature, is not wholly and entirely his own ; but begins at least with the per- 
 son who thus calls upon him. And though, where all the negligence is on one side, 
 it may perhaps be unfit to inquire into the quantum, yet where there is any fault in 
 the other party, and that other party cannot be said to be wholly innocent, he ought 
 not, in our opinion, to profit by the mistake into which he may, by his own prior mis- 
 take, have led the other ; at least, if the mistake is discovered before any alteration in 
 the situation of any of the other parties, that is, while the remedies of all the parties en- 
 titled to remedy are left entire, and no one is discharged by laches." 
 
 ((/) Supi-a, k 4.
 
 324 NOTES AND BILLS. [CH. ;x. 
 
 SECTION VI. 
 
 EXTINGUISHMENT OF THE OBLIGATION INCURRED BY ACCEPTANCE. 
 
 The holder of an accepted bill, however accepted, may lose 
 his right against tlie acceptor by waiver, operation of law, pay- 
 ment, release, or other satisfaction. Payment by the acceptor, 
 or a valid release to him, of course discharges the other parties, 
 wiio are regarded only as his sureties. And the holder may 
 waive the acceptor's obligation orally, and only by implication as 
 well as expressly, provided such waiver be definite, absolute, and 
 unquestionable. (r) Still, however, it is lield that an express dec- 
 laration by the holder is necessary to discharge the acceptor, or 
 something which is its complete eqiiivalent. Hence absence for 
 several years will not suffice. (5) It is undoubtedly true, that con- 
 
 (r) In an action by indorsees against an acceptor, it w;is proved that the plaintiffs, 
 having effects of the drawer in their hands, said at a meeting of the defendant's credi- 
 itors, " that tliey looked to the drawer, and should not come upon the acceptor of the 
 bill." In consequence of this, the defendant assigned all his property for the benefit of 
 his other creditors, and paid them 15.s. on the pound. The drawer's goods in the plain- 
 tiffs' hands turned out to be of little value, and this suit was brought to recover of the 
 acceptor. " Lord Ellenborow/h directed the jury to consider whether th(f language used 
 by the plaintiffs amounted to an alisolute unconditional renunciation by them, as hold- 
 ers of the bill, of all claims in respect of it upon the defendants as acceptors, whereby the 
 latter had entered into an arrangemenc with their creditors. In that case the acceptors 
 
 were discharged from their liability On the other hand, if the words only imported 
 
 that they looked to the drawer in the first instance, .... that they sliould not resort to 
 them (the acceptors) if satisfaction could be obtained from another quarter, they did not 
 waive their remedy by tliis conditional promise, and the acceptors still continued liable 
 until the iiill should be actually paid." The jury found fur the plaintiffs. Whatley v. 
 Tricker, 1 Camp. .3.5. In Parker v. Leigh, 2 Siark. 228, a suit by an indorsee against an 
 acceptor, it was proved that, prior to this action, the jilaiiiiiff had tlireatened to sue the 
 defendant ; tiiat the defendant calleil upon the plaintiff to ascertain tlie amount of 
 the demand; that the plaintilf showed the defendant an account containing several 
 claims, and among them tiic hill now sued on ; that the i)laintiff said that he sliould 
 lo<;k to the drawer for the amount of the bill due, and wanted no more of the defendant 
 tliHii the other chiiins. The defenilant paid the amount, on the supposition that the 
 whole of the plaintilf's demand was included therein, which he said he should not other- 
 wise have ilonc. Lord Kllfiihoroin/h was " of opinion that, in point of law, the circum- 
 stances do not amount to an express renunciation, and notiiing short of that would bo 
 BtiUicicnf to discharge the defenilant from liis acceptance of the bill." 
 
 (.s) Dingwall v. Dunstf-r, 1 Doug. 247; Ellis v. Galindo, id. 2.'jO, note; I-'arquhar 
 i;. Souihcy, 2 Car. & I'. 497. In Anderson r. Cleveland, 1.3 East, 4.30, note, a suit by 
 nn indors(!c against an acceptor, no demand was proved till three months after the Iiill 
 became due, and the drawer had in the mean time become insolvent. Lo"J Hiinsjicld
 
 CBL IX.] EXTINGUISHMENT OF ACCEPTOR'S OBLIGATION. 325 
 
 duct or language ou the part of the holder which is fraudulent, 
 or has the effect of fraud in inducing the acceptor to pa)-t with 
 liis security, or otherwise subjects himself to loss, woidd have the 
 clfect of waiver. (^) But receiving interest from the drawer, or 
 from an indorscr,(w)° or giving time to them,(i;) will not amount 
 to a waiver, although it has been held (erroneously, we think) 
 that giving time to the drawer, where the acceptance was known 
 to be for the accommodation of the drawer, discharged the ac- 
 ceptor, (it?) 
 
 said: " The acceptor of a bill or maker of a note always remains liable. Tiie accept- 
 ance is proof of having' assets in his hands, and he ought never to part with them unless 
 he is sure that the bill has been paid by the drawee.'* 
 
 (<) Where the holder agreed to consider an acceptance at an end, and entered in his 
 bill-hook, " A's acceptance is at an end." and no demand w;is made upon the acceptor 
 for three years, it was held that the acceptance was waived. Walpole v. Pulteney, cited 
 I Doug. 248. Where the holder took a security from' the drawer, and notified the ac- 
 ceptor that he had settled with the drawer, and that the acceptor " need not give him- 
 self any further trouble," it was held that the acceptance was waived. Black v. Feele, id. 
 But in Adams v. Gregg, 2 Stark 531, the accommodation acceptor desired the holder to 
 give up the acceptance ; the holder refused, but said that the acceptor should not be 
 troubled about it. Abltott, C. J. thought that the declaration was no discharge. In Win- 
 termute ». Post, 4 N. J. 420, Haines, J. said : " That a parol waiver is lawful, and will 
 discharge the acceptor, there can be no doubt. And the court was correct in charging 
 the jury, that if, in their opinion, the circumstances of the case and the conduct of the 
 plaintiff induced the defendant to believe that no further resort would be had to him, 
 it was a waiver. If the plaintiff induced the defendant fairly to suppose that he would 
 look to the drawer, and not to him, he thereby relieved the defendant from any further 
 care to secure funds in his hands to meet the draft, and relinquished to the defendant 
 any liability that resulted from the acceptance. And whether he did so waive the 
 liability of the defendant was a question of fact properly submitted to the jury." A 
 plea of waiver must state that the party waiving was the holder of the bill at the time 
 of the waiver. Steele v. Harmer, 14 M. & W. 1.36, 831 
 
 («) Farquhar v. Southey, 2 Car. & P. 497, Moody & M. 14. 
 
 (») Dingwall v. Dunster, 1 Doug. 247 ; Ellis v. Galindo, id. 250, note; Farquhar 
 r. Southey, 2 Car. & P. 497. 
 
 (w) In Laxton v. Peat, 2 Camp. 185, an action by an indorsee against an acceptor 
 for the accommodation of the drawer. Lord EUen<jorou(fh ruled that the indorsee, who 
 had taken the bill for value, but with full knowledge of the facts, and had, without the 
 concurrence of the acceptor, received part payment from the drawer, and given him 
 time to pay the remainder, had thereby discharged the acceptor ; on the ground that 
 the acceptor was only a surety for the drawer. Conversely, for a like reason, in Col- 
 lott V. Haigh, 3 Camp. 281, the same judge held that the drawer was not discharged by 
 giving time to such an acceptor. These cases were doubted by Gibbs, J., in Kerrison v. 
 Cooke, 3 Camp. 362, and by Mansfield, C. J., in Raggett v. Axmorr, 4 Taunt. 730. In 
 Fentum v. Pocock, 5 Taunt. 192, I Marsh. 14, where the defendants pleaded that they 
 accepted for the accommodation of the drawer, and that the plaintiff, who took the bill 
 for value and without knowledge of the facts, had taken a cognovit from the drawer, 
 against the will of the acceptors, it was held that the acceptors were not discharged, and 
 
 VOL. I. 28
 
 326 NOTES AND BILLS. [CH. IX. 
 
 Whether such waiver or renunciation, however absolute, would 
 be valid if without consideration, may be doubted. There is, 
 or seems to be, some authority for it. (a;) But it is certain 
 
 the Nisi Prius rulings of Lord EUenboroayh were denied to'be law. In this last case it 
 will be observed that the plaintitf learned the fact of the suretyship subsequently to 
 taking the bill, but before he accepted the cognovit, while in the former cases the plain- 
 titf knew the facts at the time he took the bill. But as to this Lord Mansfield said : 
 " As it appears to me, if the holder had known, in the clearest manner, at the time of 
 his taking the bill, that it was merely an accommodation bill, it would make no man- 
 ner of difference; for he who accepts a bill, whether for value, or to serve a friend, 
 makes himself in all events liable as acceptor, and nothing can discharge him but 
 payment or release." Heath and Chambre, JJ. concurred. In Price v. Edmunds, 10 
 B. & C. 578, Parke, J. said : " I think the decision in Fentum i\ Pocock was good sense 
 and good law." In Yallop v. Ebers, 1 B. & Ad. 698, Lord Ttnterden, C J. said, that 
 " Laxton v. Peat has been long overruled." Harrison v. Courtauld, 3 id. 36 ; Nichols 
 V. Norris, id. 4L See also Carstairs v. HoUeston, 5 Taunt. 551 ; Charles t\ Marsden, 
 1 id. 224; Mallet v. Thompson, 5 Esp. 178; Smith v. Knox, 3 id. 46; Angell v. 
 Ihler, 5 M. & W. 600, 4 Jurist," 196 ; Strong v. Foster, 17 C. B. 201. In Ex parte 
 Glendinning, Buck, 517, Lord Eldon recognized the doctrine of Laxton v. Peat, 2 
 Camp. 185, and disapproved of Fentum v. Pocock, 5 Taunt. 192. See also Bank of 
 Ireland v Bcresford, 6 Dow, 233; Theobald, Principal and Surety, p. 192, et seq. ; 
 Jones V. Brooke, 4 Taunt. 464. 
 
 The American cases approving the doctrine of Fentum v. Pocock are, Bank of M 
 f. Walker, 9 S. & R.229 ; Walker v. Bank of Montgomery Co , 12 id 382 ; Murray v. Ju 
 dah, 6 Cowen, 484 ; Farmers', &c. Bank v. Kathbone, 26 Vt. 19 ; Clopper v. Union Bank, 
 7 Harris & J. 92 ; Yates v. Donaldson, 5 Md. 389 ; Hansbrough v Gray, 3 Gratt. 356 ; 
 Lambeitr. Sandford, 2 Blackf 137 ; Cronise i;. Kellogg, 20 111. 11 ; Diversy r. Moor, 22 
 ' id. 330. See also Church v. Barlow, 9 Pick. 547 ; Commercial Bank v. Cunningham, 
 24 Pick. 270; l^ickcring v. Marsh, 7 N. H. 192; Grant v. Ellicott, 7 Wend. 227 ; Lord 
 V. Ocean Bank, 20 Penn. State, 384. But in Parks v. Ingram, 2 Foster, 283, the doc- 
 trine is laid down that an accommodation acceptor stands in tiie position of surety 
 upon the bill, and the drawer in that of principal; so that a discharge of the acceptor 
 by the holder does not release the drawer. So Adle v. Metoyer, 1 La. Ann. 254. See 
 In re Babcock, 3 Story, 393 ; Baker j;. Martin, 3 Barb. 634. It does not always dis- 
 tinctly appear from the cases what the true grounds for the decision were. The reason 
 in some is, that an accommodation bill is just like any other, aiid in the earlier cases 
 regrets have been expressed that accommodation bills ever came into use. 
 
 In other cases, it seems to be considered that, although the accommodation acceptoi 
 in fact may stand in the relation of surety to the drawer, yet no evidence is admissible 
 to prove this, as it would be allowing parol testimony to contradict the written terms 
 of the iiistrumiMi. If this is so, the rules as laid down in some courts with reference to 
 the [)oint now under consideraiion would seem to conflict with the doctrine sanctioned 
 in the same courts, with reference to admitting evidence to show wheii; two parties sign 
 a joint or joint and several note, without expressing on its face that one is really a 
 Burcty.that the holder knew the facts at the time he took the note, and afterwards, by a 
 VHli<l agreement, gave time to the actual ])rin(ipal. 
 
 (r) The head note in Parker v. Lii^li^ •> Stark. 228, states that the reiiuiu'iatior. 
 must lic! (express, and foundcil upon some consideration. But the decision was, tiiat 
 there was no express reminciation, and therefore no discharge ; and )\ is difficult to see 
 how this case is an authority for raying that an express reimnciation needs a coiisidera-
 
 CH. IX.] EXTINGUISHMENT OF ACCEPTOR'S OBLIGATION. 327 
 
 that it must have full force and effect where it has induced 
 the acceptor to do any act which would be injurious to him if the 
 obligation were afterwards insisted on. We think that a waiver 
 operates by estoppel rather than by contract, and we should 
 therefore state the rule thus. Any renunciation founded upon 
 a valid consideration, or acted upon in good faith by the acceptor, 
 so as to put him in a worse situation than if this renunciation 
 had not been made ; or any act of the holder authorizing the 
 acceptor to believe that the holder had renounced all claim upon 
 him, which belief was acted upon by the acceptor, discharges him. 
 An acceptor for the accommodation of the drawer, by payment 
 of the bill, acquires of course a claim against the drawer. But 
 if a bill be indorsed for the accommodation of the drawer, and 
 afterwards accepted, the indorser by payment acquires a claim 
 against the acceptor as well as against the drawer ; for he is not 
 a surety for the drawer to the acceptor, but for botli to tho 
 holder. (y) It has been said in one case, that, where a holder 
 promised an acceptor that he would not sue him if he would 
 swear that the acceptance was forged, he would not be able to 
 hold the acceptor after such an oath, although the acceptance 
 were not forged, and the oath was false. But this, we think, 
 might be doubtful. (^) Any material alteration of the bill, or of 
 
 tion to support it. The true ground, it is conceived, is, that a waiver works by way of 
 estoppel rather than by way of contract. We should prefer to state the rule thus : An 
 express renunciation, founded upon a consideration, or honestly and fairly acted upon 
 by the holder, so as to put him in a worse situation than if the renunciation had not 
 been made ; or any act upon the part of the holder, giving the acceptor reasonable 
 ground to infer that the former had renounced all claim upon him, and acted upon, 
 — amounts to a discharge. 
 
 (y) Weir V. Cox, 19 Mart. La. 368. 
 
 (s) Stevens v. Thacker, Peake, Cas. 187. In this case, when the bill was presented 
 to the acceptor, he declared the acceptance to be a forgery. The holder agreed not 
 to sue the acceptor, if he would make an affidavit that he never accepted the bill ; 
 but, being afterwards convinced that the acceptor did accept, refused to receive the 
 affidavit, and brought an action. It was contended by the defendant, that the plaintiff, 
 having agreed to accept the defendant's affidavit as evidence that he was not the 
 acceptor, could not afterwards recede from the agreement. But Lord Keni/on said : 
 " Had the defendant sworn the affidavit, I should have held that he had discharged 
 himself from the present action, though such affidavit had been false; for the plain- 
 tiff, who had agreed to accept that affidavit as evidence of the fact, should not, after 
 having induced the defendant to commit the crime of perjury, maintain an action on 
 the bill. But as in the present case the defendant had not sworn the affidavit, he 
 still remains liable to the plaintiff's action, unless he can prove the acceptance a for- 
 gery." See Lloyd v. Willan, 1 Esp. 178.
 
 328 NOTES AND BILLS. [CH. IX. 
 
 tbe acceptance, without the assent of the acceptor, unless to cor- 
 rect a mistake, discharges him from liability. This subject is 
 considered hereafter. 
 
 A discharge of the acceptor by the law of the place where the 
 acceptance is made, and is to be performed, is equally binding 
 everywhere. Thus, where, by the law of the country where an 
 acceptance is made, if the drawer fails, and the acceptor has not 
 sufficient effects of the former in his hands at the time of accept- 
 ing, the acceptance becomes void, the acceptor is discharged from 
 all liability. (a) 
 
 A cancellation by the holder, or by a third party with the 
 holder's consent, is evidence of a waiver, and whether the can- 
 cellation in the latter case was by the consent of the holder, or 
 not, is for the jury to determine. (6) The cancellation of an ac- 
 ceptance by mistake does not operate as a discharge. (c) But if 
 the holder, aware of the mistake, causes the bill to be noted for 
 non-acceptance, he is estopped from afterwards saying that the 
 bill was accepted. (^) 
 
 A release before the maturity of the bill will not discharge an 
 acceptor from liability to pay to a holder who took the bill in 
 good faith, without notice of the release ; (e) nor will a release 
 by the holder to the drawee discharge the latter from the obliga- 
 tion incurred by a subsequent acceptance, on the ground that he 
 was not liable at the time of the release. (/) A general release 
 by the drawer to the acceptor will, as between them, discharge 
 the acceptor, though the drawer is not the holder of the bill, and 
 had not then paid it.(^'') Where the drawee accepted in consid- 
 eration of a future consignment of goods, witli the prospect of a 
 profit on the commission for their sale, and the holder, with 
 
 (a) Burrows v. Jemiiio, 2 Stra. 7.33. 
 
 {h) Sweeting v. Halse, 9 B. & C. 365, 4 Man. &. R. 287. 
 
 (c) Novelli V Uossi, 2 B. & Ad 757; Raper v. Birkbeck, 15 East, 17; Fernandey 
 T. Glyiin, 1 Camp 426, note; Wilkinson v. Johnson, 3 B & C. 428. 
 
 (d) Bentinek v. Dorrion, 6 Kast, 199; Sproat v. Matthews, 1 T. R. 182. 
 
 (e) I)od V. Edwards, 2 Car. & P. 602. 
 
 (/) I)raj,'e v. Nettcr, 1 Ld. liayin. 6.'j ; Hartley v. Manton, 5 Q. B. 247. If an ac- 
 ceptor plead H relca.se, th(! plea must set forth that the bill was accepted prior to the 
 release. Ashton v. Erecrslun, 2 Man. & G. 1, 2 Scott, N. R. 273. In an action by the 
 payee against the drawer, a general rel(;ase to the aeee|)tor, who had beeonic bankrupt, 
 and obtained his eerlilicate, renders him a competent witness for the defendant. Scott 
 V. Lilforfl, I Camp. 246. 
 
 ((/; Seoll c. LiUbrd, 1 Camp 246, 9 Kast, 347.
 
 CH. IX.] EXTINGUISHMENT OF ACCEPTOR'S OBLIGATION. 329 
 
 knowledge of such acceptance, received and retained the ''•ills 
 of lading, it was held that he thereby discharged the acceptoi (A) 
 If the drawee offers a conditional or partial acceptance, and the 
 holder gives notice of non-acceptance to any prior party to the 
 bill, without stating the nature of the acceptance offered, the 
 drawee is not liable. (i) 
 
 We have already seen that compliance with the conditions of 
 an acceptance is necessary in order to charge tlie acceptor, and 
 that, when the conditions are performed, his liability immediately 
 attaches, (j) Neglect, by the holder of an acceptance payable at 
 a specified place, to present it at that place, does not now dis- 
 charge the acceptor from liability, although he can prove that he 
 has been injured by such neglect. (A:) 
 
 If the holder receive from the acceptor another bill, indorsed 
 by the acceptor, as satisfaction or security for the first bill, he 
 discharges him, both as acceptor and indorser, by neglect to 
 give him notice of the dishonor of the last bill ; (/) but not if 
 the last bill was given as collateral security, and not indorsed 
 by \nm.{m) 
 
 (h) Mason v. Hunt, 1 Doug. 297. 
 
 (') Spix)at V. Matthews, 1 T. R. 182; Bentinck v. Dorrien, 6 East, 199. 
 
 ( /) Supra, § 3. 
 
 ik) Sobag V. Abitbol, 4 Maule & S. 4G2 ; Turner v. Hayden, 4 B. & C. 1, 6 Dow. & 
 K. 7 ; Rhodes v. Gent, 5 B. & Aid. 24<. 
 
 (/) Bridges v. Berry, 3 Taunt. 130. See Kearslake v. Morgan, 5 T. R. 513. 
 
 {m) Bishop i;. Rowe, 3 Maule & S. 362. See Hickling v. Hardey, 7 Taunt. 312; 
 (Joodwiu V. Coates, 1 Moody & R. 221.
 
 3S0 . ^'OTES AND BILLS. [CH. X 
 
 CHAPTER X. 
 
 PRF-SRNTMENT FOR ACCEPTANCE. 
 
 SECTION I. 
 OF THE RIGHTS AND DUTIES OF A PAYEE BEFORE ACCEPTANCE. 
 
 After acceptance the payee of a bill is in much the same 
 position as the payee of a note ; bnt the payee of a bill not yet 
 accepted holds an instrument which is incomplete. We will 
 therefore first consider what he is bound to do, and what he has 
 a right to expect in respect to acceptance. 
 
 His duty is to present the bill for acceptance to the right per- 
 son, at the right time and place, and in the proper way. His 
 right is to expect to receive an immediate, full, and uncondi- 
 tional acceptance. But there seems to be no principle of law 
 by which the holder of a negotiable bill of exchange, where noth- 
 ing has occurred which can be construed either as an acceptance 
 or a bhiding agreement to accept, can demand acceptance ; and, 
 in case of refusal, sue the drawee. Nor would the usage of 
 trade or custom be sufficient to give the liolder the right to sue, 
 even though the drawee have funds of the drawer in his hands, 
 and ought in honor to accept. His refusal so to do, although 
 without reason, and inconsistent with tlie principles of fair and 
 honest dealing, does not form any good ground for the com- 
 mencement of legal proceedings against him on that account. (w) 
 
 (m) Attempts by the holder to hold the drawee liable without acceptance were made 
 without avail in Mandeviile v. Welch, 5 Wheat 277, where the suit was brought in the 
 name of the drawer ; Tiernan v. Jackson, 5 Pet. 580 ; Schiinincipcnnich v. Bayard, 
 1 id. 264; Luff v. Pope, .5 Hill, 413, 7 id. 577; N. Y. & Virginia State Bank v 
 Gibson, 5 Ducr, 574. In this last case Diier, J. said in substance : The law is well 
 flcftlcd, that, although the rcfu>ial of tlie drawee to accept, who lias funds in his handr! 
 which he ought to ajijily to the payment of the bill, may render him liable in damages 
 to the drawer, there is no such |)rivity Ix'tween iiim and the bolder of the bill as can 
 entitle the latter to maintain an action ap'aiust him. See also Poydras v. Dclamare,
 
 CH. X.] RIGHTS, ETC. OF A PAYEE BEFORE ACCEPTANCE. 331 
 
 Tlie reason on which it has sometimes been urged that the 
 drawee may be liable, is that a bill of excliange operates as an 
 equitable assignment or appropriation of the funds ; and that the 
 drawee, after having received notice of the assignment, becomes 
 liable to the holder, and if he afterwards part with the funds, 
 he does so at his peril. There may be some dicta to the effect 
 that a bill of exchange is an assignment, (o) but no case that we 
 are aware of, with the exception of one, has held this doctrine in 
 an unqualified way, and that case must be considered as over- 
 ruled. (/>) The doctrine is well settled, that before acceptance a 
 negotiable bill for a part of the funds is no assignment, but 
 becomes one on the drawee's signifying his assent, by accepting 
 the bill.fg) If a bill, draft, or order is drawn on .1 specified fund, 
 and expressly or by necessary implication appropriating a particu- 
 
 13 La. 98 ; Harris v. Clark, 3 Comst. 93. The drawee was held in Corser v. Craig 
 I Wash. C. C 424. In Luff v. Pope, 5 Hill, 413, Branson, J. said: "If the drawes 
 refuse to accept, there is no contract between him and the holder, and no action will 
 lie. And tliis is so although tiie drawee had funds, and ought in justice to the drawer 
 to have paid the bill." 
 
 The language of Story, J., in Mandeville v. Welch, 5 Wheat. 277, infra, note q, — 
 " unless an obligation to accept may be fairly implied from the custom of trade, or the 
 course of business between the parties as a part of their contract," — is, it is suggested, 
 rather broader than the cases would seem to warrant. For it is supposed that the 
 almost universal usage is for the drawee, when he has funds, to accept ; and yet the 
 fact that he has funds is not sufficient to raise any implication that any contract exists 
 between the drawee and the holder. 
 
 (o) Eyre, C. J., in Gibson v. Minet, 1 H. Bl. 569, 602, said : " The theory of a 
 bill of exchange is, that the bill is an assignment to the payee of a debt due from the 
 acceptor to the drawer." It may be remarked, however, that it does not appear clearly 
 whether the learned judge was referring to a bill already accepted, or to one unaccepted. 
 But this dictum has been referred to as applicable to an unaccepted bill, and the same 
 remark is to be found in other cases. 
 
 {p) Corser v. Craig, 1 Wash. C. C. 424. In this case the indorsee of a bill sued the 
 drawee in the name of the payee and indorser, the drawee having refused to accept. 
 Before judgment the funds were attached on trustee process, as the property of the 
 payee and indorser. The plaintiff recovered, notwithstanding this, on the ground that 
 the bill was an assignment of the funds. Washington, J. said : "If the drawee refuse to 
 accept, the holder may sue the drawer, or the drawee in the name of the drawer, for 
 the debt originally due, in consequence of the implied contract of the assignor of a 
 chose in action that the debter shall pay, and on failure, that the assignor will." 
 
 {q) In Mandeville v. Welch, 5 Wheat. 277, Story, J. remarked : " It is said that a 
 bill of exchange is in theory an assignment to the payee of a debt due from the 
 dj'awee to the drawer. This is undoubtedly true where the bill has been accepted, 
 whether it be drawn on general funds, or a specific fund, and whether the bill be in its 
 own nature negotiable or not ; for in such cases the acceptor, by his consent, binds 
 and appropriates the funds for the use of the payee." " But where the order is drawn 
 on a general or a particular fund, for a part only, it does not amount to an assignment 
 of that part, or give a lien as against the drawee, unless he consents to the approprla-
 
 332 NOTES AND BILL?. [CH. X. 
 
 lar fund or consignment to its payment, it operates as an equitable 
 assignment of the funds or goods. (gg') But a bill or draft operates 
 no assignment of funds deposited with drawee after the hill is 
 dra\vn and presented. (gr) 
 
 It has oeen said, that, even after a conditional acceptance, 
 the bill cannot in strictness be held to have that effect, since 
 the drawee becomes bound by reason of the contract of ac- 
 ceptance, irrespective of the funds in his hands. (r) But the 
 theory is, even in such a case, that funds to the amount of the 
 bill have been assigned, and that the acceptor is estopped from 
 setting up any such objection as that there were no funds to 
 assign. Whether a negotiable bill for the whole amount of the 
 funds can operate as an assignment, may not be clearly settled, 
 perhaps, upon authority ; but on principle it may well be doubted 
 whether it would have this effect at law.(s) If it is an assign- 
 
 tion liy ail acreptaiu'e of tlie draft, or an obli<;ation to accept may he fairly implied 
 from tlie custom of trade, or the course of business between the parties as a i)art of 
 their contract. The reason of this principle is plain. A creditor shall not lie per- 
 mitted to split up a single cause of action into many actions without the assent of his 
 debtor, since it may subject him to many embarrassments and responsibilities not con- 
 templated in his original contract. He has a right to stand on the singleness of his 
 original contract, and to decline any legal or equitable assignment by which it may be 
 broken into fragments. Wlien he undertakes to ]iay an integral sum to his creditor, it 
 is no i)artof bis contract that he shall lie obliged to pay in fragments to any other per- 
 sons. So that if the plaintiff could show a partial assignment to the extent of the bills, 
 it would not avail him in support of the present suit." See also Gilison v. Cooke, 20 
 Pick, 15; Poydras v. Delamare, 13 La. 98; Cowperthwaite v. Sheffield, 1 Sandf. 416, 
 3 Comst. 243." In Harris v. Clark, 3 Comst. 93, Rugyles, J. said: If the i)ill "had 
 been accepted by the drawees, it would have operated as an assignment of so much 
 money in the hands of the drawees, and it would have afforded the jdaintiff a remedy 
 against them." And on p. 115: '"It is clearly settled that no action at law will lie in 
 favor of the holder of a bill of exchange against the drawee, unless he accc])fs the bill." 
 "The researcii of the counsel for the ])laintiif has not enabled me to find a case where 
 it lias iieeii held that, upon a uegotialile bill of exchange, the drawee has been made 
 liable in eiputy to the holder of the l)ill without his acceptance or assent." 
 
 (77) Shiittleworth v. Hrnce, 7 l{ol). 160; Michigan Hank v. Gardner, 15 Gray, 362. 
 
 (7>-) Kordred v. Seaman's Hank, 10 Abbott. Vr. V. S. 425. 
 
 (r) Ilarlbnt, .J., Cowpt-rtliwaite /'. Shcflicld, 1 Sandf. 416, infra, note s. 
 
 (k) In Cowperthwaite /'. Sheflicld, .'i Comst. 243, Ilarlbnt, J. said : "A pro])er bill of 
 exchange does not of itself operate as an assignment to the ])Myec of funds of the drawer 
 in the Imnds of the drawee, and even alter an unconditional accci)tance it cannot in 
 strictness Ik', lield to have; that effect, since the drawee becomes bound by reason of the 
 contract f)f acceptance, irrespective of the funds in his hands. He may refuse when lie 
 ouglit to accept by reason of his having funds, and ^et neither he nor the funds would 
 iti any way b(; bound or afTeilcd by tli(^ bill." In tlie same case, re]ioit('d in 1 Sandf. 
 416, \'iiiif/irptifl, ,]. said: " If these bills bad been in the foi-m of orders I'or the entire 
 proce<!ds of the sliipnient, they nii^bl, after notiie to tlu! drawee, have o])eraIcd us an 
 UHsignnient <d' such |ir<)cec(is. Hul ibtii they would not, have possessed all the cbaracler- 
 ittticH of bills of exchange. If in such form lb(\ could be negotiated, they would on their 
 face conxey information to every bolder «'! tbc fund on wl ich they were drawn, and 
 wliirli they carried with them." In N. V. it N'iigiiiia Slntc Hunk ji. ( iibson, 5 Duer, .'J74, 
 J/iitr, .1. said ; "A liill of excliiing<!, in the proper sense of the term, never o]ieratcs as an 
 a.ssij^nnieiit of the fund against wliich if is drawn, and when tlicri^ has been no binding
 
 CH. X.] RIGHTS, ETC. OF A PAYEE BEFORE ACCEPTANCE. 333 
 
 meiit, the question would arise whether the holder must sue in 
 his own name, or in that of the assignor. If in the latter, it 
 would seem to be inconsistent with the very object and distin- 
 guishing characteristic of negotiable paper, which permits the 
 holder to take it free from all prior unknown incumbrances, 
 because his claim would be liable to any offset which the drawee 
 might have against the drawer. The difficulty in allowing the 
 suit to be brought in the name of the holder would l)e, that there 
 is no privity of contract between him and the drawee. The 
 latter has had no connection whatever with him, and there is no 
 chance for the law of estoppel to apply, as in the case where 
 there has been a promise to accept, although not made directly 
 to the party seeking to avail himself of it. It has been held that 
 a non-negotiable draft for the whole of a particular fund operates 
 as an assignment, (/) though it is somewhat difficult to see how 
 its operation could be such where the drawee expressly refuses 
 to accept, (m) 
 
 promise to accept, and no express agreement by which a trust has been created, it is 
 only by a positive acceptance, in the form wliich the statute prescribes, tliat a right of ac- 
 tion against the drawee can accrue to the holder." No case has been found in which 
 a negotiable bill has been drawn for tlie whole amount of the fund, and the drawee has 
 been .-ued on refusal to accept. But in Gibson v, Cooke, 20 Pick. 15, Dewey, J. said : 
 " It seems also to be equally well settled, that a draft by the creditor on his debtor, in 
 the form of a bill of exchange to the amount of the debt, or the whole fund in his hands, 
 is a good and valid assignment of the debt or fund"; — citing Cutts v. Perkins, 12 
 Mass. 209 ; Crocker v. Whitney, 10 Mass. .318 ; Clarke v. Adair, cited 4 T. R. 343 ; 
 Kobbins v. Bacon, 3 Grecnl. 346. But in none of these cases did the question arise on 
 n negotiable bill. 
 
 {!) Cutts V. Perkins, 12 Mass. 209 ; Rohbins v. Bacon, 3 Greenl. 346 Morton v. Nay- 
 lor, 1 Hill, 583. In Cutts v. Perkins, the drawee consented to the assignment by accep^ 
 ing. In Robbins v. Bacon, tiie language of Storij. J., in Mandcville v. Welch, 5 Wheat. 
 277, that ''where an order is drawn for the whole of a particular fund, it amounts to an 
 equitable assignment of that fund, and after notice to the drawee it binds the fund in 
 his hands,' is cited and apjirovcd If tliis doctrine is correct, such a draft need never be 
 accepted, but notice to the drawee is all that is requisite. In Morton v. Naylor, 1 Hill, 
 583, a landlord gave an order on his tenant to pay to A the rent accruing during a cer- 
 tain time, which the tenant, on presentment of the order, said he would do. The 
 liKidlord subsequently notified the tenant not to pay, but the latter disregarded the 
 notice and paid the order. Held, that the tenant had a right so to do, and that the land- 
 lord's flaim for the rent was extinguished. In this case it will be seen that the drawee 
 consented to the assignment, and accepted, a verbal acceptance of a non-negotiable order 
 being valid as an acceptance, but the court in their opinion said : " The order to the 
 tenant was an equitable assignment of the rent in question with notice to the tenant, 
 who was bound to pay it according to the order, whether he had accepted or not." 
 
 (u) In Williams r. Everett, 14 East, 582, a party remitted a bill to the defendants, his
 
 334 NOTES AND BILLS. [CH. X. 
 
 Where the draft is not negotiable, and drawn for a part 
 of the funds, the cases are somewhat conflicting. Perliaps 
 tlie weight of authority favors the rule, that the assent of 
 the drawee is necessary ; but tliere arc jases tliat appear to 
 hold that it operates as an assignment of the particular fund 
 from the time the drawee receives notice. (v) In courts of 
 
 bankers, with directions to pay the amount of the bill, when collected, in certain specified 
 proportions to the plaintiff and other persons, who would produce letters of advice on 
 the subject. Before the maturity of the bill, the plaintiff notified the defendants that he 
 had received letters from the remitter, ordering payment out of the remittance, and 
 offered the defendants indemnity, if the defendants would indorse the bill over to him. 
 The defendants refused to act on the letter, or to indorse tiie bill, but admitted that they 
 had received directions for the application of the money. On maturity of the bill, the 
 defendants received the amount, and the plaintiff again demanded payment. Held, 
 that the act of receiving the bill, and subsequently collecting it, and notice of the 
 directions, did not bind the defendants to the plaintiff, against their express dissent, to 
 apply the money in discharge of the plaintiff's debt, and that the plaintiff could main- 
 tain no action against the defendants for money had and received to his use, for want 
 of privity of contract, and that the property in the bill still remained in the remitter 
 In Yates v. Bell, 3 B. & Aid. 64.3, a bill of exchange payable at the house of A had 
 been presented there for payment, and dishonored, and the acceptor afterwards remitted 
 to A money to pay the dishonored bill, and also one of less value. A replied, in a 
 letter, that he had received the money, and that it should be carried to the acceptor's 
 account. lie afterwards paid the smaller bill. It was decided that the holder of the 
 original bill could maintain no action against A, for want of privity of contract. 
 
 {«) In Gibson v. Cooke, 20 Pick. 15, a person entitled to quarterly payments from 
 a trustee drew an order on the trustee, to pay to a creditor "as the drawer's income 
 should become due," for a sum which did not correspond precisely in amount with one 
 or any number of the sums then due the drawer. The latter refused to accept. Held, 
 chat the order was not an assignment, and that the payee could not maintain an action 
 ugainst the drawee in the name of the drawer. In Mandcville v. Welch, .5 Wheat. 626, 
 it is laid down, that an order for a part of a fund does not amount to an assignment. 
 See Robbins v. Bacon. .3 Greenl. 346. In Poydras v. Delamare, 13 I-a 98, the drawee 
 refused to accept, and the order was held to be no assignment. In Cowperthwaite v. 
 Sheffield, 1 Sandf. 416, Vanderpoel , J. said : " Where an order is drawn for a part of the 
 fund only, it does not amount to an assignment of that part, or give a lien as against 
 the drawee, uidess ho consent to the apjiropriation by an acceptance of the draft." 
 
 For cases from whirh it may be inferred that such a draft is a good assignment, see 
 Morton v. Naylor, 1 Hill, 583, where it is said that the same rule applies at law as in 
 equity. See Taylor v. Bates, 5 Cowen, 376 ; Wheeler v. Wheeler, 9 id. 34 ; Patiison v. 
 Hull, ill. 747 ; Peyton r. Ilallett, I Caines, 363. In the last case the question arose on 
 the point as to whether a witness in n suit, wlio held a draft for a part of the money 
 sought to be recovered in that suit, was an incompetent witness on the ground of inter- 
 est. Lirliif/ston, J. : " The order lie biid obtained amounted to an assignment of the 
 property to the extent of bis demand, and the agent after its exiiiliition to him would at 
 liis peril have parted with it to the piaiiitilf'*, or to any other person." Leivis, C. J., in 
 a dissentinu opitiinn. siiiil ; " The bill drawn in his favor on the agent has never been 
 accepted, nor has the fund out of wliiih it wns to be paid ever come to his hands 
 The witnesH then, in my eoiiceiitiun, had no interest in the fund."
 
 CIl X.] RIGHTS, ETC. OF A PAYEE BEFORE ACCEPTANCE. 335 
 
 equity, where the doctrine of equitable assignment was first laid 
 down, such drafts have been held to be an assignment, even 
 
 In the following cases accepted drafts for a part of the fund were held to be assign- 
 ments. Legro V. Staples, 16 Maine, 252 ; Johnson v. Thayer, 17 id. 401 ; Dcbesse v. 
 Napier, 1 McCord, 106 ; M'Menomy v. Farrers, 3 Johns. 71. Where tiie drawer had 
 become bankrupt, and the assignee sued the drawee, but failed to recover, an order 
 disclosed by one summoned as trustee to pay over the money in his hands, tiiough not 
 expressed to be for value received, is prima facie an assignment. Adams v. RoI)inson, 
 1 Pick. 461. In Clarke v. Adair, cited by Buller, J., 4 T. R.343, an officer drew a bill 
 on an agent of the regiment payable out of the first money that should become due to 
 him on account of arrears. The agent refused to accept absolutely, but said he would 
 pay when effects came to hand. The drawer died, and his administrator brought an 
 action to recover the money. It was allowed by all parties that this was not a bill of 
 exchange within the custom of merchants. But Lord Mavsfield held it to be an assign- 
 ment for a valuable consideration, with notice to the agent, and that he was bound to 
 pay it. 
 
 The question of the effect of a bill as an assignment has sometimes arisen in cases 
 where the drawee was not interested. Thus, in Cowperthwaite v. Sheffield, 1 Sandf 416, 
 3 Comst. 243, the consignor of a shipment of cotton drew bills on the consignee against 
 the proceeds, and advised him thereof The bills were presented for acceptance before the 
 goods arrived, and acceptance was refused The consignee afterwards received the goods, 
 sold them, and, by a subsequent arrangement between him and the consignor, the pro- 
 ceeds were deposited with a third party, to be paid over to the consignor when his 
 creditors should assent thereto, the consignor intending to apply them to the payment 
 of the bill. The holder of the bills, who had also other demands against the con- 
 signor, got possession of the funds, which were sufficient to pay the bills, by a judicial 
 proceeding founded on the bills and the other demands. In an action against the in- 
 dorser of the bill, it was held that the bills and letter of advice did not operate as an 
 appropriation of the proceeds to the payment of the bills, and the facts stated did not 
 sustain a plea of payment. In Harris v. Clark, 3 Comst. 93, a bill of exchange was 
 intended to be given by the drawer as a mortuary gift, and the plaintiff contended that 
 it was valid as such, or, if not a mortuary gift, it was an assignment The drawees 
 had refused to accept, due notice had been given, and the holder sued the executors of 
 the drawer. It was held that the bill was valid neither as a mortuary gift nor an as- 
 signment. See the remarks of Rafjfjlfs, J., cited supm, p. 332, note q. 
 
 In Bradley v. Root, 5 Paige, 632, an order to pay a debt out of a particular fund 
 belonging to the debtor was held to be an equitable assignment, pro tanto, and to give 
 the creditor who received the order a specific equitable lien on the fund. In Marine, 
 &c Bank v. Jauncey, 3 Sandf 2.57, I Barb. 486, it was held that drawing a bill on the 
 consignee of cotton purchased with its avails does not operate as an equitable transfer 
 of the cotton to a party who discounts the bill, or give him any lien upon the cotton or 
 its proceeds in the hands of the consignee and acceptor ; nor will a verbal understand- 
 ing at the time the bill was discounted, that the proceeds should be applied to the p.ny- 
 mentof the bill, affect such lien. An order drawn upon a particular fund specified in the 
 order by which the drawer divests himself of all control over the same, is an equitable 
 assignment of the same, but such an order is not a bill of exchange. Ibid. After drawing 
 a bill, the drawer has the same control of his funds in the hands of the drawee as he had 
 before ; and if the same funds come to his own hands, the holder has no equitable lien 
 upon them. Winter v. Drury, 1 Seld. 52.5. The head note in this case must refer to 
 the case where the drawee has not accepted, for it is well settled that an acceptor has a
 
 336 NOTES AND BILLS. [CH. X. 
 
 against the will of the drawee. (i<;) Whether a bank-check is so 
 far different from a negotiable bill that it may operate as an 
 assignment, and subject a bank on which it is drawn to an 
 action, is considered subsequently. (.x-) It must be noticed, how- 
 
 lien on the funds or goods for his indemnity. See this case, infra. In order to consti 
 tute an equitable assignment of money by means of an order, the order must direct the 
 payment out of a particular fund, and not generally out of any money to be received. 
 Pliillips V. Stagg, 2 Edw. Ch. 108 ; Harrison v. Williamson, id. 430. A draft payable 
 out of a specific sum, accepted payable out of the amount, is an equitable assignment 
 of that amount. Vreeland v. Blunt, 6 Barb 182. In Winter v. Drury, 1 Seld. .525, it 
 was held that an ordinary bill of exchange prior to acceptance gives the holder no lien, 
 legal or equitable, upon the funds of the drawer in the hands of the drawee. In this 
 case the bill was drawn for a larger amount than the funds in the possession of the 
 drawee, and the drawer, havuig sold tlie bill, assigned all his property and absconded. 
 The drawee refused to accept, and afterwards transmitted all the funds of the drawer 
 to the latter by a check enclosed in a letter. The check and letter were received by the 
 assignee of the drawer, and the check passed to the credit of the estate. The holder 
 filed a bill in equity against the assignee to compel him to pay over the amount of the 
 check, but the bill was dismissed. 
 
 In Row V. Dawson, 1 Ves. Sen. 331, a draft on a fund due out of a particular fund 
 was held an assignment as against the assignees of the drawer. So Yeates v. Groves, 
 1 Ves. Jr. 280 ; Ex parte Alderson, 1 Mad. 53 ; Watson v. Duke of Wellington, 1 
 Rus. & M 602. See Ex parte Prescott, 3 Deac. & C. 218 ; Burn v. Carvalho, 4 Mylne 
 & C. 690; Fitzgerald ?;. Stewart, 2 Sim. 333, 2 Rus. & M.457 ; Malcolm v. Scott, 3 
 Hare, 39. Cases in which the rule is laid down that the draft on a particular fund 
 operates as an assignment after notice to the drawee, and that the consent of the latter 
 is immaterial, are Row v. Dawson. 1 Ves. Sen. 331, which was a case between the as- 
 signee of the drawer and the payee. The draft seems to have been in the hands of the 
 drawee, and nothing appears to show that the latter dissented. But Lord Chancellor 
 Hardmcke said, in his opinion : " The drawee could not have paid the money to the 
 drawer, supposing he had not been bankrupt, without making himself liable to the 
 defendants ; because he would have paid it with full notice of this assignment for valu- 
 able consideration." P3x parte South, 3 Swanst. 392. where Lord Chancellor Eldon 
 said : " It has been decided in bankruptcy, that if a creditor gives an order on his 
 debtor to i)uy a sum in discharge of his debt, and that order is shown to the debtor, it 
 binds hitn ; on the otiier hand, this doctrine has been brought into doubt by some 
 decisions in the courts of law, who require that the party receiving the order should 
 in ."ionie way enter into a contract. Israel v. Douglas, 1 H Bl 239; Lcgh v. Lcgh, 
 I B. & P. •t47 ; Tatlock ?•. Harris, 3 T. R. 180. That has been the course of tlieir 
 decisions, but is certainly not the doctrine of this court." Lett /;. Morris, 4 Sim. G07. 
 In this case the draft was payable by instalments. The drawee paid the first instal- 
 ment to the drawer, who handed it over to the plaintiff", the holder of the draft. The 
 second instalment was paid by the drawee to the plaintiff"'s clerk, the drawer not being 
 present, 'i'he drawee, on tiie third instalment becoming due, refused to pay. The 
 holder then filed a bill against the drawee to com])el him to pay the amount due, and 
 he was obliged so to do. Sir L. ShndweU, V, C. said : " I entertain no doubt that the 
 order amounts to an equitable assignment." 
 {w) See cases in note, aupra. 
 (x) Infra, chapter on Checks.
 
 CH. X.] RIGHTS, ETC. OF A PAYEP: BEFORE ACCEPTANCE. 337 
 
 ever, that the payee, being the holder of the bill, may, if he 
 chooses, waive the right of presenting it for acceptance, just as 
 he may waive the right of demanding and receiving payment, 
 and so give up the money. And so he may delay presentment 
 for acceptance, if he chooses to do so. If the bill be payable so 
 many days after date, or on a day certain, he need not present it 
 for acceptance until maturity ; but it must be presented then, 
 and the right to require acceptance may be considered as merged 
 in the right to demand payment. (2) 
 
 It is usual, and better in such case, to present before maturity, 
 and to ascertain whether the bill is to be accepted or not ; both 
 as respects the holder, because the name of the drawee on the 
 bill gives it additional security, and enhances its negotiability ; 
 and as respects the drawer, that, if acceptance be refused, he 
 may be better able to withdraw his effects from the hands of the 
 drawee by receiving early notice of the dishonor. If the holder 
 elects to present such a bill, he must act in case of refusal in 
 the same way as if bound to present ; (a) but this cannot affect 
 the rights of a holder who purchases the bill before maturity, 
 without knowledge of the refusal. (6) 
 
 (z) Blesard v. Hirst, .5 Burr. 2670 ; Goodall v. Dolley, 1 T. R. 712 ; Dunn v. O'Keefe, 
 5 Maule & S. 282, 6 Taunt. .30.5, 1 Marsh. 616 ; Orr v. Maginnis, 7 East, 362 ; Pliilpott 
 V. Bryant, 3 Car. & P. 244, where Park, J. said : " I should destroy half the trade of 
 the city of London if I were to hold that bills made payable so many days after date 
 must be presented for acceptance." Bank of Washington v. Triplett, 1 Pet. 25, where 
 the holder's agent made an unsuccessful attempt to find the drawee, and gave no notice 
 either to the holder or to the drawer. It was held that these facts did not discharge the 
 drawer. Marshall, C. J. said : " Had the Bank taken no steps whatever to obtain an 
 acceptance, no violation of duty would, according to the decisions, have been com- 
 mitted. Can an unsuccessful attempt to do what the law does not require place the 
 agent in the same situation that he would have stood in, had the drawee been found, 
 and had positively refused acceptance 1 " Townsley v. Sumrall, 2 Pet. 170 ; Wallace 
 V. Agry, 4 Mason, 336, 5 id. 118; Bachellor v. Priest, 12 Pick. 399 ; Fall River Union 
 Bank v. Willard, 5 Met. 216; Oxford Bank v. Davis, 4 Cush. 188; Allen v. Suydain, 
 20 Wend. 321, 17 id. 368; Bank of Bennington v. Raymond, 12 Vt. 401 ; Crosby v 
 Morton, 13 La. 357; Smith v. Roach, 7 B. Mon. 17 ; Carmichael v. Bank of Pa., 4 How. 
 Miss, 567 ; Glasgow v. Copeland, 8 Misso 268. In Chamberlyn v. Delarive, 2 Wils. 353, 
 a draft payable a few days after date was not presented till four months. The drawee 
 had become insolvent. Held, that the payee had lost all claim on the drawer, whether 
 the draft was negotiable or not. 
 
 («) See the cases cited supra, note 2 ; U. S. v. Barker, 4 Wash. C. C. 464. So if he 
 elects to consider what passes on presentment as a refusal to accept. Mitchell v. De- 
 grand, 1 Mason, 176. 
 
 (b) O'Keefe v. Dunn, 6 Taunt 305, 5 Maule & S. 282. 
 
 Vol. L— VV
 
 338 NOTES AND BILLS. [CH. X 
 
 If the bill be payable at so many days after signt, or demand, 
 the payee, if he continues in possession of the bill, is then under 
 an obligation to the drawer and to the prior parties, if there be 
 any, to present it within a reasonable time, in order that the days 
 may begin at the expiration of which the bill is mature. (c) The 
 payee has a reasonable time within whicli to put the bill into cir- 
 culation, and so has each successive holder for value. (^/) Bills 
 payable on demand or at sight are not presented for acceptance, 
 in this respect being like promissory notes, and the same is true 
 in general with regard to checks ; but there is a custom, as we 
 shall see, for banks to certify that checks drawn upon them by 
 customers are good, the effect of which is equivalent to the ac- 
 ceptance of a bill.(e) It has been held that presentment to the 
 drawee is necessary, even though the drawer has requested him 
 not to accept. (/) The holder is not bound to present again, 
 
 (c) See the cases cited supra, p. 337, note z ; Muilman r. D'Eguino, 2 H. Bl. 565, where 
 Eyrfi, C. J. said : " The courts have been very cautious in fixing any time for an inhmd 
 bill, payable at a certain period after sij;ht, to be presented for acceptance, and it seems 
 to me more necessary to be cautious with respect to a foreign bill payable in that man- 
 ner. If, instead of. drawing their foreign bills payable at usances, in the old way, mer- 
 chants choose for their own convenience to draw them in this manner, and to make 
 the time commence when the holder pleases, I do not sec how the court can lay down 
 any precise rules on the subject. I think, indeed, that the holder is bound to present 
 the bill in reasonable time, in order that the period may commence from which the 
 payment is to take place." Goupy r. Harden, 7 Taunt. 159, Holt, 342 ; Fry v. Hill, 
 7 Taunt. 397 ; Mcllish v. Rawdon, 9 Bing. 416, 2 Moore & S 570; Mullick v. l^ada- 
 kissen. 9 Moore, P. C. 66, 28 Eng. L. & Eq. 86; Robinson ?;. Ames, 20 Johns. 14fi; 
 Aymar v. Beers, 7 Cowen, 705 ; Prescott Bank t: Cavcrly, 7 Gray, 217 ; Fernandez v. 
 Lewis, 1 McCord, 322. In Dumont v. Pope, 7 Blackf 367, no time for payment was 
 specified. Presentment for acceptance in a reasonable time was held necessary. In 
 Kiting V. Brinkerhoflf, 2 Hall, 459, a non-negotiable order to "pay to A one hundred 
 dollars," was not presented till nearly six years from date. Held, that if this was an 
 inland bill, the drawer was discharged by the laches of the holder; if a check, present- 
 ment for payment at any time before the lapse of six years was sufficient, unless the 
 drawer could prove injury. 
 
 (d) See i7ifra. Tinchil, C. J., Mcllish v. Rawdon, 9 Bing. 416, 427. 
 
 (e) Se(! infra, chapter on Checks. 
 
 (/) Hill V. Heap, Dow. & R., N. 1'. 57. Sfd qucere. In Prideaux v. Collier, 
 2 Stark. 57, tlic holder presented a bill the day before matin-ity. The drawee refused 
 to acci'pt, having no funds, but remarked that the bill would not be due till the next 
 day, and that the drawer would probably put him in funds. On the day of maturity, 
 the drawer told the plaintiff that lie hoped the bill would be paid, and that he would 
 endeavor to provide funds, and would sco him again. The bill was presented to 
 the drawees the day after maturity. Held, in an action by the holder against the 
 drawer, that presentment at maturity was still necessary, and the plaintitts were non- 
 gnited. These cases would seem hardly to be supported by reason. It will lie si!cn
 
 CH. X.] RIGHTS, ETC. OF A PAYEE BEFORE ACCEPTANCE. 339 
 
 after refusal to accept and notice given, even tliough the drawer 
 requests him to do so, and promises that the bill shall be hon- 
 ored. (^'■) 
 
 With regard to the necessity of presentment for acceptance 
 where the drawee has died, removed, absconded, or become m 
 any way incompetent to enter into a contract, most of the cases 
 have been decided with reference to presentment for payment; 
 but there seems to be no good reason why the same principles 
 sliould not be applicable to both classes of cases. (A) 
 
 As to the person who is to make the presentment, it should be, 
 in general, the lawful holder or his agent ; but we have already 
 seen that a written acceptance is binding without any reference 
 to the party making the request. If, however, the acceptance is 
 oral, it must be made to one then liaving an interest in the bill, 
 or subsequently acquiring an interest on the credit of the words 
 so spoken. (i) 
 
 We have already stated that bills payable at a certain nvimber 
 of days after siglit or demand must be presented within a reason- 
 able time ; and it now becomes necessary to see what is meant by 
 this reasonable time. It does not seem clear from the authorities 
 whether this question of reasonable time is one for the court or 
 the jury. Some of the cases appear to hold that it is a question 
 for the jury, some decide that it is a mixed question of law and 
 fact, and others that it is a question of law for the court, (y) Our 
 
 subsequently, that, where the drawer knew that the drawee had no funds, the former is 
 not entitled to notice of dishonor, on the ground that drawins; the bill under such circum- 
 stances is a fraud. How then can it be said that he is entitled to have a useless pre- 
 dentment made, when he lias no right to require notice of it "? In the latter case, it 
 tioes not distinctly appear that the drawees had no funds, but it is fairly to be inferred 
 from the case. Besides, if there was reasonable ground for the plaintiff to rely upon 
 the declarations of the drawer, it hardly seems just that the latter could object to want 
 of presentment. 
 
 {(/) Hicklings. Hardey, 7 Taunt. 312, 1 J. B. Moore, 81. 
 
 (h) See Chap. 11. If the drawee of a bill cannot be found at the place where the 
 bill states him to reside, and it appears that he never resided there, or has absconded, 
 the bill is to be considered as dishonored. Wolfe v. Jewett, 10 La. 383. 
 
 (/) Sufim, c. 9, § 1, p. 286. 
 
 ( /) In Muilman v. D'Kguino, 2 H. Bl. 565, Eyre, C J. said: " The question, what 
 is reasonableness of time, must depend on the particular circumstances of the case, and 
 it must always be for the jury to determine whether any laches is imputable to the 
 plaintiff" Buller, J. said : "The question is, whether due diligence was used by the 
 plaintiffs in this case. Upon all the facts, the jury have found that there were no laches 
 in th? plaintiff and there is nothing in the state of those facts, as they appear upon the 
 evidence, to warrant the court to say that the verdict is against law." In Fry v. Ilill, 7
 
 340 NOTES AND BILLS. [CIL X. 
 
 own view, derived from the authorities cited in the note, and 
 from the reason of the case, is this. Where the facts are few 
 and simple, and the acts or admissions of parties clear and un- 
 equivocal, tlie question is one of law for the court. But where 
 the rights and liabilities of parties depend on contracts, and a 
 variety of transactions and dealings arising therefrom, or where 
 the facts are contradictory and complicated, it is a question for 
 the jury to determine. It may, perhaps, be regretted that this 
 
 Taunt. 397, Gibbs, C. J. said : " If we were to grant a new trial, the result would come 
 at the last to this ; it would be a question for the jury whether there has been a de- 
 fault to present the bill within a reasonable time. That question has already been left 
 to the jury, and they have found that the bill was presented in a reasonable time. 
 We think, as the matter stands, it is perfectly right." Goupy v. Harden, 7 Taunt. 159. 
 In Wallace v. Agry, 4 Mason, 336, *SW//, J. said : " What that reasonable time is, de- 
 pends upon the circumstances of each particular case, and no definite rule has as yet been 
 laid down, or indeed can be laid down, to govern all cases. The question is a question 
 of fact for the jury, and not of law for the abstract decision of the court. Such, as 1 
 take it, is the doctrine of tlie authorities." In Fernandez v. Lewis, 1 McCord, 322, 
 Gantt, J. said: "What is reasonable time depends upon the particular circumstances 
 of the case, and it is for the jury to determine whether any laches is imputable to the 
 holder .... The verdict of the jury was legally correct, and cannot now be disturbed." 
 In Shute V. Robins, Moody & M. 133, 3 Car. & P. 80, Lord Tenterden, C. J. said: 
 " The only question in this case is, whether the plaintilTs or their servant used due 
 diligence in forwarding the bill in question. This is a mixed question of law and 
 fact ; and, in expressing my own opinion, I do not wish at all to withdraw the case from 
 the jury." In Mellish v. Rawdon, 9 Bing. 416, 2 Moore & S. 570, Tindal, C. J. said : 
 '• Whether there has been, in any particular case, reasonable diligence used, or whether 
 unreasonable delay has occurred, is a mixed question of law and fact, to be decided by 
 the jury, acting under the direction of the judge, upon the particular circumstances of 
 each case. The judgment of the Court of Common Pleas in Muilman v. D'Eguino, 
 2 H. Bl. 565, seems to us to lead directly to this conclusion, and to no other." Straker 
 V. Graham. 4 M. & W. 721 ; Mullick v. Radakisscn, 9 Moore, P. C. 66, 28 Eng. L. & Eq. 
 86. In Prescott Bank v. Caverly, 7 Gray, 217, Biydoiu, J. stated the rule as follows • 
 " Ordinarily,' the question whether a presentment was within a reasonable time is a 
 mixed question of law and fact, to be decided by the jury, under proper instructions 
 from the court. And it may vary very much, according to the particular circumstances 
 of each case. If the facts are doubtful or in dispute, it is the clear duty of the court 
 to submit them to the jury. But when they are clear and uncontradicted, then it is cora- 
 peicrit for the court to determine whether the time required by law for the presentment 
 has been exceeded or not." 
 
 In Ayrnar v. Beers, 7 Cowen, 705, the defendant sought to excuse delay in present- 
 ing, on account of the sickness of the payee. The court below njected the evidence, 
 and ordenrd a nonsuit, though tlie defendant insisted on his riglit to go to the jury, U|)on 
 tlie (pipstion. The court above h(dd, fiiat although the reasonableness of lime was a 
 question f>f law for the court, yet that sickness was an excuse, and ordered a new trial. 
 The cases on negotiable paper cited in support of the doctrine, however, arose with 
 regard to the reiisoniiblcness r)f time in giving notice, and not in respect to present 
 merit for acce|>tance. See Kiting v. Biinkcrlio'l', 'J Hall, 459.
 
 en. X.] RIGHTS, ETC. OF A PAYEE BEFORE ACCEPTANCE. 341 
 
 question of reasonable time is not made certain in England and 
 in this country by Hlw, as it is in France. (^■) Many cases have 
 arisen upon this point, but as each one was decided on its own 
 peculiar circumstances, they do not go very far towards estab- 
 lisliing a general rule.(/) 
 
 One element wliich lias an important bearing on the subject of 
 the reasonableness of delay, is the fact that the bill has been 
 circulated. A holder may put the bill into circulation witliout 
 presenting it for acceptance, and while the bill continues in cir- 
 culation, a considerable delay, even of a year or more, may not 
 be laches; yet if the holder were to take the bill up from circu- 
 lation, a short delay would then be laches, (m) although this does 
 not mean that he must instantly upon coming into possession 
 of the bill elect either to present or circulate it.(/?) 
 
 If a bill payable abroad after sight be received in business, 
 it is not necessary to send it abroad by the first opportunity, 
 nor need any bill payable after sight be sent directly to the 
 place on which it is dravvn,(o) though a holder would hardly 
 
 (it) Code de Commerce, L. 1, T. 8, a. 160; 1 Pardes. 434, 435, 2 id. 391. The 
 holder is bound to allow the drawee one day for every fifteen miles between the place 
 where the bill is irawn and that on which it is drawn, that the drawee may receive ad- 
 vice I Pardes. 382. 
 
 {I) See the cases cited supra, p. 339, notej. 
 
 (;n) In Muilman v. D'Egiiino, 2 H. Bl. 565, Biiller, J. said : "But here I must ob- 
 serve, that I think a rule may thus far be laid down as to laches, with regard to bills 
 payable at sight, or a certain time after sight; namely, that they ought to be ])ut into 
 circulation. If they are circulated, the parties are known to the world, and their credit 
 ^ looked to ; and if a bill drawn at three days' sight were kept out in that way for a 
 year, I cannot say there would be laches. But if, instead of putting it into circu- 
 lation, the holder were to lock it up for any length of time, I should say that he was 
 ;uilty of laches." Wallace v. Agry, 4 Mason, 336, 5 id. 118. 
 
 (n) In Mellish v. Rawdon, 9 Bing. 416, Tindal, C. J., after quoting the language of 
 hdler, J., supra, note m, said : " The meaning, therefore, of the cx[)ression above re- 
 irred to is, and indeed the very form of the expression denotes it, that he must not lock 
 the bill up for an indefinite time ; that there must be some limit to its being kept from 
 circulation ; and what limit can there be, except that the time during which it is locked 
 up must be reasonable ? But what is or is not reasonable for that purpose, a jury 
 must, with the assistance of the judge, under all the circumstances of the particular 
 case, determine." 
 
 (o) It was contended by the defendant in Muilman ?\ D'Eguino, 2 H. Bl. 565, that 
 the bills which were drawn in London on Calcutta ought to have been forwarded 
 ^y the first ship that left after the indorsement of the bill to the plaintiffs, but the objec- 
 tion was not sustained. In Wallace v. Agry, 4 Mason, 336, 5 id. 118, the bill was 
 drawn in Havana on London. Story, J said : " It has been said that the plaintiff 
 was bound to send it (the bill) directly from Havana to England by some regular con- 
 29* *
 
 Ml NOTES AND BILLS. [CH. X. 
 
 be justified in sending the bill to a remote place, wholly out 
 01 the course of trade. (;?) But a bill drawn in Havana on 
 London may be forwarded by the .way of the United States ; (</) 
 one drawn in London on Lisbon, by the way of Paris and Ge- 
 noa ; (r) and one drawn in New Orleans on Liverpool, by the way 
 of New York.(s) The custom and usage of trade will of course 
 have an important bearing on the question of delay. (^) Also the 
 distance between the place where the bill is drawn, and the resi- 
 dence of the drawee. The falling or rising of the rate of ex- 
 change may likewise be considered, (w) the holder having a right 
 
 •veyance, and had no right to remit it to Boston for sale. I am of a different opinion. 
 The party who receives a negotiable bill payable after sight has a right to sell it in the 
 market where he resides, or to send it to any other place for sale. He is not bound 
 personally to make a remittance of it, or to send it directly to the country on which it 
 is drawn. He is at full liberty to put it in circulation, or to send it to any other 
 place for sale or remittance ; and the only limitation upon this right is, that he shall 
 have it presented within a reasonable time, be the conveyance direct or indirect. 
 To be sure, the usage of trade is to be consulted on this, as on other occasions. The 
 holder of such a bill is not at liberty to send it to very remote places, wholly out of 
 the course of trade, if there be unreasonable delay thereby in the presentment for ac- 
 ceptance; and thus to fix the drawer with an indefinite responsibility. But, on the 
 other hand, the transmission in a direct trade is not necessary. No one can doubt that. 
 bv the course of trade, many bills of exchange drawn in Havana on England are sent 
 to the United States for remittance or sale. The very testimony in this case estab. 
 li.-ihes this fact. It would be a most inconvenient rule to hold that such a negotiation 
 of bills was at the sole peril of the holder. I know of no rule of law reaching to such 
 extent In my judgment, the remittance of the bill to Boston for sale was not a dis- 
 charge of the defendants." 
 
 (p) Stori), J., Wallace v. Agry, snpra, note o. 
 
 (7) Wallace v. Agry, 4 Mason, 336, 5 id. 118. 
 
 ()■) Gou[)y r. Harden, 7 Taunt 1.59. 
 
 (s) Bolton V. Harrod, 9 Mart. La. 326. 
 
 (t) Wallace v. Agry, 4 Mason, 336 In this case, reported .'5 Mason, 118, Story, J 
 said : " The evidence in the case of the usage of merchants, if not good evidence oi 
 the law, was evidence as to their understanding of what was reasonable time, and in 
 that view proper for the consideration of the jury ; that with reference to such usage 
 he would i)ut it to the jury to say whether the present bill was not, in point of fact, i)ut 
 into ne;.M)tiafion, or transmitted for presentment, within a rea.sonable time." Shute v. 
 Robins. Moody & M. 133, 3 Car. & P. 80 ; Prcscott Bank v. Caverly, 7 Gray. 217. 
 
 (h) The falling of the rate of exchange was an excuse offered for delay in Wallace 
 1;. Agry, 4 Mason, 336, 5 id. 118; Mellish v. Kawdon, 9 Bing 416, 2 Moore & S. 570. 
 In this last case Tiiidtil, C J. said : " So long as the exchange remains steady, or at all 
 events, if it rises after he (tiie bolder) has taken the bill, his interest does not materially 
 cliish with that of the drawer ; and on such a case the jury would probably think, with 
 reference to the interest of both, that the reasonable time for sending forward the bill 
 was satisfied bv the allowance of a shorter and less extended period of time than if the 
 interest of the hoUler and the drawer were in conflict and competition with each otlic.
 
 CH. X.] RIGHTS, ETC. OF A PAYEE BEFORE ACCEPTANCE. 34B 
 
 to delay where there is a reasonable ground for supposing that 
 the exchange may become more beneficial to him.(z;) 
 
 The means and facility of communication between the places 
 should be considered, where the party who presents the bill has 
 had it in his possession for some length of time ; (w) so also tlie 
 fact that war exists between the two countries. (x) A delay oth- 
 erwise unreasonable would be excused by inevitable accident, or 
 invincible obstruction, as by severe illness. (?/) Whether the fact 
 that the bill has passed through several hands may not have some 
 effect in gradually shortening the reasonable time to which each 
 successive holder is entitled, does not appear to have been con- 
 sidered ; but it has been held that, in determining the point of 
 reasonable time, the jury are to look at the interests of the 
 drawer, as well as those of the holder,(3) and it would seem that 
 
 But if, as happened in the present case, the exchanjre falls immediately after the sale of 
 the hill, the jury might then think a more extended period might fairly and reasonably 
 be allowed the holder, in order to enable him, bona fide, to endeavor to make a fair 
 profit, or, at all events, to endeavor to secure himself from actual loss." 
 
 [v) Mullick V. Radakissen, 9 Moore, P. C. 66, 28 Eng. L. & Eq. 86, limits the 
 right of the holder to wait for a more favorable rate of exchange to cases where he has 
 reasonable ground to expect it soon. The bill in this case was drawn in Calcutta on 
 Hong Kong. Parke, B. said : The court " thought that the evidence proved that, for 
 the whole of the time, a period of more than five months, bills on China were alto- 
 gether unsalable in Calcutta ; that such was the permanent and regular state of the 
 market ; and that although, if there was a reasonable prospect of the state of things 
 being better in a short time, the holder would have had a right, with a view to his own 
 interests, to keep the bill for some time, he had no such right when there was no hope 
 of the amendment of that state of things ; and we are of opinion that the evidence 
 fully justified this conclusion from it, and that the court, deciding on facts, as a jury, 
 were perfectly right." 
 
 {w) See Straker v. Graham, 4 M. & W. 721 ; Shute v. Robins, Moody & M. 133, 
 3 Car. & P. 80 ; Dumont v. Pope, 7 Blackf. 367. 
 
 (x) U. vS. V. Barker, 1 Paine, C. C. 156, 163, where Livingston, J. said: " When it is 
 considered that the bill was drawn in time of war, which renders any intercourse pre- 
 carious and not of very frequent occurrence, it would be too much for any court to 
 say that the delay here complained of shall destroy the right of the plaintiffs to re- 
 cover on this bill." 
 
 (_y) In Aymar v. Beers, 7 Cowen, 70.5, the plaintiff offered evidence of sickness to 
 excuse delay. The court below rejected it as not sufficient, and nonsuited the plaintiff. 
 The court above set aside the nonsuit on that account 
 
 [z] In Mellish v. Rawdon, 9 Bing. 416, Tindal, C. J. said: "The point which 
 arises in this case is whether, in determining the question of reasonable time, the 
 jury are to look exclusively to the interests of the drawer, or may take into account 
 those of the holder also. And wc are of opinion, there is no rule of law, and no 
 custom was proved at the trial, which should prevent the jury from looking, for 
 that purpose, to the interests of both." Mullick i\ Radakissen, 9 Moore, P. C 46, 
 28 Eng. L. & Eq. 86.
 
 S44 NOTES AND BILLS. [CH. X. 
 
 there should be some limit to the question, independently of the 
 Statute of Limitations. The continued solvency of the drawee, 
 and the want of proof of actual loss by laches, have been lield to 
 be no answer to tlie objection of delay in presentment. (a) The 
 law is different with respect to bank-cliecks, which subject is con- 
 sidered subsequently. (6) As may be supposed from the almost 
 infinitely varying change of circumstances in each case, the ac- 
 tual lapse of time in the cases varies considerably. (c) And, 
 
 («) MuUick V Radakisscn, 9 Moore, P. C. 46, 68, 28 Eng. L. & Eq 86, where Parke, 
 B. said : " It remains to consider only one point, which was insisted upon in the 
 court below, and also argued at the bar before us ; namely, that, as the drawers re- 
 mained perfectly solvent from the date of the bill to the present time, the rule as to 
 presenting in a reasonable time did not apply, and that there was no laches which 
 would constitute a defence by the drawers unless they had incurred a loss by that 
 laches. The court below decided that the solvency of the drawers, and the want of 
 actual loss by laches, constituted no answer to the ohjection of laches. We think they 
 were right. There is no trace of such a qualific-ation in the elaborate judgment of 
 llitdul, C. J. in Mellish v. Rawdon, (9 Bing. 416,) in which the circumstances which 
 constitute a reasonable delay are fully discussed. No mention is made of the insol- 
 vency of the drawer subsequent to the drawing, although it did. occur in that case, or 
 some loss by the drawer being an essential condition to the application of the rule laid 
 down ; and in Muilman v. D'Eguino, 2 H. Bl. 565, it was clear that the failure of the 
 drawer caused no damage to the plaintiff, being before the time that the bill could pos- 
 sibly have been presented in India ; yet that circumstance was not mentioned as dis- 
 pensing with the obligation to present in a reasonable time; and with respect to all 
 bills of exchange payable after date, it is fully settled that neither the want of jjrescnt- 
 ment at the time the bill is due, nor the want of due notice, are excused because the 
 drawer has continued solvent, or the holder incurred no loss by non-presentment or 
 want of regular notice. This point was fully considered in the case of Carter v. 
 Flower, 16 M & W. 743, and we believe admits of no doubt; and we agree with the 
 court below, that the continued solvency of the drawers docs not prevent the applica- 
 tion of the rule that the bill must be presented in a reasonable time, with reference to 
 the interest of the drawer to put the bill into circulation, or the interest of the drawee 
 to have the bill speedily presented." 
 
 (i) Infra, chapter on Checks. 
 
 (/,) In Muilman )'. D'Eguino, 2 H. BI. 565, bills drawn in London on Calcutta, at 
 ninety days, were circulated in England for seventy-eight days, then forwarded to Cal- 
 cutta. The ship in which they were carried arrived in the Ilooghly River, Oct. 3, seven 
 months afier tlie date of the bills. On Oct. 5, the holder notified the drawee, who was 
 absent from Calcutta, and tlie latter refused to accept, by letter, Oct. 17. The bills 
 were j)rotested, Oct. 29. Held, no laches. In Goupy v. Harden, 7 Taimt. 159. the 
 bill was drawn in London on Lisbon nt thirty <lays, circulated through Paris and Ge- 
 noa, and |)rcHentod, after a delay of three months and ten days. Held, no laches, in an 
 action bv indorsees against their indorsers. In Fry v. Hill, 7 Taunt. 397, a bill drawn 
 in Windsor on London, at one month, was presented after a delay of fom* days, Sun- 
 day intervening. Held, no laches. In Shiite v. Robins, Moody & M. 133, 3 Car. & P. 
 80, a bill drawn in I'lymouth on London, at twenty days' sight, was not presented till 
 nine davs. Held, in an action by indorsees against indorsers, that there were nc Kicbes
 
 CH. X.] RIGHTS, ETC. OF A PAYEE BEFORE ACCEPTANCE. 345 
 
 whatever tlie reasonable time may be, the holder who exceeds 
 it discharges all prior parties, because he takes upon himself 
 the risk both of the drawee's non-acceptance and of his insol- 
 vency. 
 
 It has been held that an agent is bound to present immediately, 
 
 In Mellish v. Rawdon, a bill drawn in England on Rio de Janeiro, at sixty days, was 
 kept by the holder nearly five months, the rate of exchange having fallen. Held, no 
 lai'hcs, in an action by the holder against the drawer. In Straker v. Graham, 4 M. & 
 W. 721, a bill drawn in Carbonear, Newfoundland, on Poole, England, at ninety days, 
 was not presented till three mouths after date. Carbonear is twenty miles from St. 
 John's, with a daily means of communication between the places. The mails were sent 
 from St. John's to England three times a week, and the average length of the voyage 
 being eighteen days. Held, tliat the bill was not presented within a reasonable time, 
 no excuse being shown for the delay. In Mullick v. Radakissen, 9 Moore, P. C. 46, 
 •28 Eng L. & Eq. 86, A drew a bill in Calcutta on B of Hong Kong, at sixty days' 
 sight, and indorsed it to C. C kept the bill five months, and indorsed it to D. D 
 kept the bill from July 25th till Sept. 7th, and then forwarded it to Hong Kong. It 
 was presented for acceptance, October 24, eight months after date, and acceptance was 
 refused. The ordinary length of the voyage between the two places is one month. 
 The bill was protested, November 28. D sued A, the drawer, who defended on the 
 ground of unreasonable delay. Held, that he was not entitled to recover. This case 
 is therefore an authority to show that the laches of a prior holder in circulating a 
 bill is a good defence for the drawer as against a subsequent holder. 
 
 In Wallace v. Agry, 4 Mason, 336, the defendant's agent drew a bill at sixty days in 
 Havana on London. The plaintiff sent the bill to his agent in Boston, who kept it, 
 on account of the low rate of exchange, for eighty-four days, and then sent it to 
 London, where it was presented four and a half months after date. On the first trial, 
 the jury disagreed on the facts, but on the second, 5 Mason, 118, found for the plaintiff. 
 In Robinson v. Ames, 20 Johns. 146, a bill at sixty days was drawn in Augusta, Ga., 
 on New York, and circulated, and presented in two and a half months from date. 
 Held, in an action by an indorsee against the drawers, no laches. In Gowan v. Jack- 
 son, 20 Johns. 176, the bill was drawn in Antigua on London, at ninety days, and 
 circulated. A delay of six months had occurred. A packet usually left Antigua 
 for London once a month. Held, in an action by the indorsees against the drawers, 
 ao laches 
 
 In Aymar v. Beers, 7 Cowen, 705, a bill drawn in New York on Richmond, Va., at 
 three days, was presented after a lapse of about a month. Woodworih, J. was in- 
 clined to think that there might be laches, but the case was decided on the point 
 that sickness was a good excuse for the delay, in an action by indorsees against 
 the drawer. In Prescott Bank v. Caverly, 7 Gray, 217, presentment in Boston during 
 banking hours on Wednesday of a bill at sight, indorsed to the holder in Lowell after 
 banking hours the previous Saturday, and forwarded by the holder to Boston on 
 Tuesday, was held sufficient to charge an indorser. In Fernandez v Lewis, 1 McCord, 
 322, a bill drawn in Charleston on New York, at three days, was not presented for two 
 and a half months. The holder lived several days in the same house with the drawee. 
 Held, that the drawer was discharged by the delay. In Dumont v. Pope, 7 Blackf. 
 367, one month's delay was held too much, the distance between the place where the 
 .)ill was drawn and that on wliich it was drawn being only eighteen miles, with a 
 jommunication three times a week between the places. In Bolton ». Harrod. 9
 
 34.t) NOTES AND BILLS. [CH. X. 
 
 or as soon as he can by ordinary means, a bill which is forwarded 
 to him to obtain acceptance ; and that, if he fails so to do, he is 
 liable to his principal for any loss that may ensue in consequence 
 of tlie delay in presenting. (c?) 
 
 It will be seen hereafter, that no presentment for payment need 
 be made on any day set apart either as sacred, or otherwise, by 
 law or usage ; and that it must be made within reasonable hours, 
 which may vary with the place ; thus, if at a bank, then during 
 banking hours ; if at a place of business, then during business 
 
 Mart. La. 326, a bill drawn in New York on Liverpool, at thirty days, was sent by 
 the way of New York. A delay of two and a half months was held no laches. In 
 U. S. V. Barker, 1 Paine, C. C. 1.56, a bill drawn in the United States on Liverpool 
 was presented three months ft-ora the date. War existed between the United States 
 and England. Held no laches. 
 
 (d) In Allen v. Suydam, 17 Wend. 368, the principal received a draft dated July 
 21st, payable to his order, two months after date, on August 16th, and he placed it 
 in the hands of an agent for collection the same day The agent forwarded the 
 draft Sept. 2d, and on Sept. 7th it was presented to the drawees, who refused to accept, 
 saying that they never accepted for the drawer without instructions, but expected to 
 hear from him in a short time. On Sept. 10th, the draft was again presented, and the 
 drawees refused to accept, because the drawer had instructed them to do so. It 
 appeared that, subsequent to the drawing of this bill, other hills of the same drawer had 
 been accepted and paid by the same drawees ; that at the date of the bill the drawees 
 had funds of the drawer in their hands, but none at the time of presentment, and that 
 the principal gave the agent no special instructions with regard to presentment. A 
 verdict was directed for the plaintiffs, and sustained. The justice of this case, at least, 
 is very doubtful. It will be seen that the bill, being payable at a certain time after date, 
 need not have been presented for acceptance by the holder at all, but tiie agent pre- 
 sented it nine days before maturity, after having kept it in his hands seventeen days. Ha 
 had no instructions from tlie principal to present it immediately, and it is very difficult 
 to see why the agent was required to do more than the principal was bound to do. It also 
 appeared in the case, that the lateness of presentment had nothing whatever to do with 
 tlic refusal, and that, if the agent had presented the very day he received it, it would not 
 have been accepted, nor was there any time between the date of the bill and its maturity 
 when the drawees would have accepted. Why, then, must an agent be required to make 
 an utterly useless ])rescntment, when any holder, in the exercise of reasonable diligence, 
 would not b(^ n-quired to present, even if there was a fair prospect of acceptance ? The 
 case was aflirmcd, however, 20 Wend. 321, on this point. The reasons given are not 
 satisfactory. The opinions of various wi-iters are cited, and the reasons, so far as they 
 can be collected, arc, that the holder has an interest in having the bill accepted as soon 
 as possible, and therefore his agent is bound to present immediately. But it is no 
 negligence for the principal not to jircsent, and it can hardly be said to follow that this 
 would be negligence in the agent. And if it is so much for tlie interest of the principal 
 to ohtain acceptance, is he not guilty of negligence in not giving the agent special in- 
 Htructiotis to do so, which the agent would be bounil to follow. It is said, " that, even 
 where the principal is habitually negligent in attending to his own interests, it form? no 
 excuse for similar neglig(!nce on the part of his agent." This reaM)n cannot ap))lyhere, 
 for the facts do not ahow neglig(Mice at all. We sujjpose tiiorcal reason for the decision
 
 CH. X.] EIGHTS, ETC. OF A PAYEE BEFORE ACCEPTANCE. 34T 
 
 hours, or when some one is present who is authorized to accept 
 or refuse ; if at a dwelling-house, tlien wliile the family are up, 
 and not in the hours when they have retired. (e) We are not 
 aware that there are more than a very few decisions on these 
 points, with respect to presentment for acceptance ; (/) but it is 
 conceived that the same principles are applicable to this and to 
 presentment fur demand. It has already been remarked, that 
 the holder should have the bill with him when he asks for accept- 
 ance. If he does not produce it, and the drawee is willing to 
 
 was the authority of Bank of Scotland v. Hamilton, 1 Bell, Comm. 320, and Van Wart 
 V. Woolley, 5 Dow. & R. 374. In Bank of Scotland v. Hamilton, 1 Bell, Comm. 
 320, note 2, 4th ed., the plaintiff sent a bill to his agent to collect. It was proved that it 
 was not customary to present such bills for acceptance, but only for payment. The 
 agent did not present it till maturity. Between the day of drawing and maturity the 
 drawee failed. It did not appear that the bill would have been accepted if it had been 
 presented immediately. It was held that the defendant was bound. This case cannot 
 be regarded as an authority. It was decided in the Court of Session in Scotland, and 
 the bare facts are mentioned in the note to Bell's Commentaries, without any reasons. 
 In Van Wart v. Woolley, 3 B. & C. 439, 5 Dow. & R. 374, the agent neglected to give 
 his principal notice of the non-acceptance of the bill. It appeared that the diawee had 
 no funds of the drawer, and consequently the latter was not entitled to notice ; that the 
 principal had received the bill from a party who did not indorse it, and that this party 
 was liable without notice. The suit was brought by the principal against the agent. At 
 the time of the suit it was not certain that the plaintiff had not lost his remedy against 
 the psirty from whom he received it, on account of want of notice. All that is said by 
 the court, Abbott, C. J., with regard to the liability of the agent is : " Upon this state of 
 facts it is evident that the defendants have been guilty of a neglect of the duty which 
 they owed to the plaintiff, their employer, and from whom they received a pecuniary re- 
 ward for their services. The plaintiff is therefore entitled to maintain his action against 
 them, to the extent of any damage he may have sustained by their neglect." This, it 
 would seem, is assuming the very fiict in dispute, which is, that the agent was guilty 
 of neglect in not giving the principal notice, when notice would have availed him 
 nothing, and when the principal, if he had himself presented, could not have been 
 required to have sent notice to any party. No authority is cited, nor is any reason 
 given ; and the doctrine is laid down that an agent is bound to use greater diligence 
 in pi-esenting a bill for acceptance, than if he himself were the owner and holder of the 
 bill. The hardship of these cases is mitigated, however, by the amount of damages 
 which the principal is allowed to recover. In Allen v. Suydam, 17 Wend. 368, the 
 judge at Nisi Prius instructed the jury, on the facts of the case, to return a verdict 
 for the whole amount of the bill. This was afBrmed in the Supreme Court, but 
 was reversed in the Court of Errors, 20 Wend. 321, where it was held that, although 
 the measure of damages is, prima facie, the amount of the bill, yet the defendant 
 may show circumstances in mitigation thereof. Senator Verplanck dissenting. In a 
 subsequent trial of Van Wart v. Woolley, Moody & M. 520, the principal, having 
 recovered the full amount of the bill from the party from whom he had received it, 
 was allowed to recover nominal damages only. 
 
 (e) Infra, chap. 11. 
 
 (/) Nelson v. Fotterall, 7 Leigh, 179, is the only one which we have met with.
 
 348 NOTES AND BILLS. [CH. X. 
 
 accept ill the usual way, by writing his name on the face, but 
 dechnes accepting otherwise, or without seeing the bill, he can- 
 not be charged with the penalties of non-acceptance : but if the 
 drawee makes no such objection, and does or says what is the 
 equivalent of acceptance, he cannot afterwards refuse to be held 
 on tlie ground that he did not see the bill.(o") 
 
 A drawee may demand a delay of twenty-four hours, during 
 which he may inspect his accounts with the drawer, and deter- 
 mine whether to accept the bill or refuse acceptance, and during 
 this time the bill may be left with him. (A) As soon, however, 
 as he accepts or refuses, although within the time, the holder 
 should withdraw the bill. If the drawee delays acceptance more 
 than twenty-four hours, the holder may treat this as a refusal to 
 accept, and must indeed do so to hold the other parties. (i) It 
 has been held, where the holder by his negligence or fault ena- 
 bles a third party to get possession of a bill which he had left 
 with the drawee for acceptance, and which had subsequently 
 been accepted, that the drawee is not liable in trover for the bill 
 to the holder, (y) 
 
 (g) Supra, chap. 9. In Fall River Union Bank v. Wiliard, 5 Met. 216, it was held 
 that, where the hohler merely informs the drawee tliat he has the bill, and the latter tells 
 him that it will not be accepted nor paid, the indorser is not thereby discharged, if no 
 notice is given of the drawee's declaration. Hubbard, J. said : " The term presentment 
 imports, not a mere notice of the existence of a draft which the party has in his posses- 
 sion, but the exhibiting of it to the person on whom it is drawn, that he may see the 
 same and examine his accounts or correspondence, and judge what he shall do, — 
 whether he shall accept the draft or not Here there appears to have been nothing more 
 than a casual meeting of the parties, and the conversation on the subject of the draft 
 insued." In Carmichael v. Bank of Pa., 4 How. Miss. .567, Sharkey, C. J. said : " Any- 
 thing which amounts to a notification of the holding of the bill, with a request to accept, 
 accompanied by the bill, will amount to a presentment. No formal presentment is ne- 
 cessary, or rather there is no form for a presentment. The bill explains itself, and the 
 object is understood in the mercantile community, when it is shown and an answer re- 
 quired." 
 
 (/() Iii<rrani v. Forster, 2 J. P. Smith, 242. In Bellasis v. Hester, 1 Ld. Rayni. 280, 
 'JVfhij, C. J. said : " The party may have the whole day to view the bill, and that is 
 allowed liiin by the law." See Hubliard, J., Fall River Union Bank v. Wiliard, supra, 
 note (/. 
 
 (i) See Ingram v. Forster, 2 J. P. Smith, 242. 
 
 (/) .Morrison v. Buchanan, 6 Car. & P. 18. In this case the plaintiffs' clerk left the 
 bill with ihe drawee for acceptance, and, subsequently calling for it, found that it had 
 been accepted and delivered to another ]K'rson. The plainlilfs sued the drawee for the 
 bill. In defence, it was jiroved tiy the drawee that it was his eustom to deliver accepted 
 bills to the party eulliiig for and accurately describing tbcm ; that the bill in suit had 
 a j)rivatc murk upon it, and was delivered to a person who, on being ask'iJ, gave the
 
 CH. X.] RIGHTS, ETC. OF A PAYEE BEFORE ACCEPTANCE. 349 
 
 The bill should be presented for acceptance either to tlic drawee 
 in person, or to some one authorized by liim to receive and ac- 
 cept. (A;) As the liolder must prove presentment in case he founds 
 any right or claim on non-acceptance, the burden lies on him, if 
 he presents it to an agent of the drawee, to prove that the agent 
 was authorized to accept. But this proof may undoubtedly, as 
 in other cases of agency, be circumstantial or indirect ; as, for 
 example, that he was the clerk of the drawee, known to be ac- 
 customed to do this kind of business for the drawee. 
 
 We have already seen, that an acceptance by one of two or more 
 partners binds the firm.(/) Therefore, if a bill is drawn on part- 
 ners, it may be presented to one alone. If it is drawn on two or 
 more who are not partners, it should be presented to all ; but il 
 presented to a part, or if presented to all and refused by a part. 
 the acceptance will bind such as make it. 
 
 With regard to the place where presentment should be made, 
 we refer to the chapter on Presentment for Demand, where the 
 
 right mark, amount, &c. Two days had elapsed between the time when the bill was 
 left and the time when it was called for. Littledale, J., in summing up, said to tho 
 jury : " The questions for you will be : first, whether there was any negligence on the 
 part of the plaintiffs in their conduct with respect to the bill ; and, secondly, whether 
 there was negligence on the part of the defendant. If you are of opinion that there 
 was negligence on the part of the plaintiffs, then they will not be entitled to recover ; 
 but if the negligence was on the part of the defendant, then the plaintiffs will be entitled 
 to the verdict. If there was not any negligence on the part of either plaintiffs or de- 
 fendant, then the matter may be reserved for further consideration ; as it is admitted 
 to be a doubtful point of law. As to the first point, you will consider whether the 
 
 plaintiffs' witnesses were the cause of the finding out of the private mark If 
 
 he (the plaintiffs' clerk), by his improper act, enabled a person to ascertain the private 
 mark, and thereby to procure the bill to be delivered out according to the usual course 
 of business, then it will be for you to say whether you do or do not consider that as negli- 
 gence. The question as to the defendant is, Has he been guilty of that kind of negli- 
 gence which amounts to a conversion of the bill ? " The jury found negligence in the 
 plaintiffs' clerk, and that the defendant had used due caution. Verdict for the defendant. 
 
 (k) Cheek v. Roper, 5 Esp. 17.5. This was a suit against a drawer. To prove pre- 
 sentment, it was shown that the bill was sent by the witness, who carried it to a place 
 pointed out to him as the drawee's house, and oftcrcd it to some one in an adjoining 
 tan-yard, who refused to accept. The witness could not swear that the person to whom 
 he offered the bill was the drawee, or represented himself as such. Lord Elknborough 
 said, that the allegation of presentment for acceptance to the drawee " was a material 
 one, as the drawer could only become liable on the acceptor's default, which default 
 must be proved. That the evidence here offered proved no demand on the drawee, 
 and was therefore insufficient, so that the plaintiff could not recover on the bill Some 
 evidence must be given of an application to the party first liable." 
 
 (/) S'lpra, p. 135. 
 
 vi> ,. I. 30
 
 BoO NOTES AND BILLS. [CH. X. 
 
 subject is treated of at length. "We may here, however, state, that 
 if a bill be presented at the proper place, whether this be desig- 
 nated on the bill, or otherwise determined, and no one appears 
 to accept it, it should be duly protested for non-acceptance, and 
 notice be given. And if the drawee cannot be found at the place 
 specified in the bill, and it appears that he never resided there, 
 the bill is then also to be considered and treated as dishonored. (m) 
 
 SECTION II. 
 
 PROCEEDINGS ON NON-ACCEPTANCE. 
 
 "What the holder should do in case of non-acceptance or a 
 refusal to accept, is much the same with the conduct which the 
 holder of a bill should pursue in case of non-payment. The 
 rule, in general, is, that a foreign bill should be protested for non- 
 acceptance, and due notice given to the prior parties ; otherwise 
 the holder will lose all remedy, both on the bill and the consid- 
 eration for which it was given. It is customary, but not neces- 
 sary, to protest inland bills. For a further consideration of this 
 subject, reference may be made to the chapters on Presentment for 
 Demand, (/^i) on Notice, (o) and on Protest. (;?) The peculiarities 
 with respect to bills of exchange, as regards acceptance for honor., 
 better security, or by a drawee au besoin, have already been con- 
 sidered. (7) The holder, after due protest for and notice of non- 
 acceptance, is entitled to sue the drawer immediately, without 
 waiting for the bill to mature. (/•) The reason is, that what the 
 
 (m) Wolfe V. Jcwctt, 10 La. 383. See Starke v. Cheesman, Carth. 509. 
 
 (n) Infrii, cliap. 1 1. 
 
 (o) Infra, chap. 12, 13. 
 
 (/)) Iiifrii, cliap. 14. 
 
 (7) Siii>in, pp. 04, 313. 
 
 (r) lii it:lit 1;. I'urricr, IJulU r, N. P. 2G9 ; Milford v. Mayor, 1 Donp. ^5 ; Lord FIdon, 
 C. J., nisliop V. Younj:, 2 15. & P. 78, 83 ; Boot v. Franklin, 3 Johns. 207 ; Miller v. 
 Ilacklcy, 5 id. 37.5 ; Kohinson ?;. Ames, 20 id. 146; Wallace v. Aj^ry, 4 Mason, 336 ; 
 Stcrry r. Kohinson, 1 Day, II; Winthrop p. Pcpoon, 1 Bay, 4G8 ; Evans r. Bridfres, 
 4 Port. Ala 348 ; Watson ». 'I'arpley, 18 How. ."il?. In Mississippi it is deehired by 
 Htatuto. that the holder shall not he sued till after maturity. In Watson v. Tarpley, the 
 drawer lived in MiMsissippi, the hill was drawn on New Orleans, and the holder lived 
 ill Tentiessee. 'I'he suit was l)roii;.dit in the Unitid Slates roiirt, and it was held that 
 the statute did not affeei the rijrhts of the hohlcr. Although there is no right of aetiiD
 
 CH. X.] PKOCEEDINGS ON NON-ACCEPTANCE. 351 
 
 drawer had undertaken lias not been performed, the drawee not 
 having given him the credit which was the ground of the con- 
 tract, (s) The holder has also the right to sue any indorser forth- 
 with, (^) the latter being considered, in this respect, as a new 
 drawer. (m) The amount which he is entitled to recover is the 
 face of the bill, interest, costs of protest, and damages. (ij) The 
 same rules apply here as in the case of non-payment. 
 
 The holder may, if he pleases, present again for payment, but 
 the liability of the drawer and indorsers having become fixed by 
 proper presentment and notice of non-acceptance, irregularity 
 of proceeding in presentment for payment and notice thereof 
 will have no effect in prejudicing his right in this respect. (i^) 
 Nor need presentment for payment be averred, nor, if averred, 
 need it be proved, the allegations to this effect being clearly 
 surplusage. (2:) There seems to be no lapse of time short of the 
 Statute of Limitations which can affect this right of the holder 
 to sue, or which can be considered negligence, as the same rule 
 applies as in the case of liability on any other contract, (y) 
 
 The holder is, as has been said,(j2) entitled to expect an ab- 
 solute acceptance, and the other parties have also the right to 
 
 till notice of non-acceptance, the debt is considered to have accrued at the time of draw- 
 ing the bill. Macarty v. Barrow, 2 Stra. 949, 3 Wils. 16. See Puckford v. Maxwell, 
 6 T. R. .52 ; Hickling v. Hardcy, 7 Taunt. 312. 
 
 (s) Lord 3fansjield, Bright v. Furrier, cited 1 Dong. 55, who said that the law on 
 the point had been clearly settled so long ago as 1765. 
 
 {t) Ballingalls v. Gloster, 3 East, 481,4 Esp. 268 ; Mason v. Franklin, 3 Johns. 
 202; Weldon v. Buck, 4 id. 141 ; Aymar v. Sheldon, 12 Wend. 439 ; Bank of Roch- 
 ester V. Gray, 2 Hill, 227 ; Watson v Loring, 3 Mass. 557 ; Lenox v. Cook, 8 id. 460; 
 Wild V. Bank of Passamaquoddy, 3 Mason, 505 ; Morgan v. Towles, 8 Mart. La. 
 730; Evans v. Gee, 11 Pet. 80. In Aymar v. Sheldon, 12 Wend 439, the bill waa 
 drawn in Martinique on Bordeaux. By the law of France, protest for non-payment, 
 as well as for non-acceptance, is necessary to render the drawer and indorsers liable. 
 Tlie indorsement was made in New York. Held, that, although presentment for pay- 
 ment would have been necessary to charge the drawer, it was not necessary to charge 
 the indorser. 
 
 (h) Lord EUenhoroiiffh, Ballingalls v. Gloster, 3 East, 481. 
 
 (v) Sterry r. Robinson, 1 Day, 11 ; Weldon v. Buck, 4 Johns. 144. 
 
 {w) Miller V. Hackley, 5 Johns. 375 ; Evans v. Bridges, 4 Port. Ala. 348. We have 
 already seen that the liolder is not bound to present again, at the request of the drawer, 
 supra, p. 339. 
 
 (x) Mason v. Franklin, 3 Johns. 202 ; Wallace v. Agry, 4 Mason, 336. 
 
 iy) Storif, J., Wild 7) Bank of Passamaquoddy, 3 Mason, 505, where a year had 
 elapsed, and the drawer had become insolvent. Objections were made on these 
 grounds to the right of the holder to recover against the indorser, but were over- 
 ruled See also Lenox v. Cook, 8 Mass. 460. 
 
 (z) Supra, p. 330.
 
 362 NOTES AND BILLS. [CH. X, 
 
 require that the acceptance should be absolute, or else that they 
 should know that such an acceptance had been refused. The 
 reason is, that the drawer and indorsers promise to pay in case 
 the drawee does not fulfil the contract expressed in the terms 
 of the bill ; because, if the holder had the right to receive a 
 conditional or partial acceptance without their knowledge and 
 consent, it would be, in fact, giving him the right to bind them 
 by another and different contract from that into which they had 
 entered. Therefore, if the holder take an acceptance varying 
 from the terms of the bill, without giving notice to the prior 
 parties, he discharges them. (a) If he causes the bill to be pro- 
 tested, and gives a general notice to all the parties of non- 
 acceptance, that is considered as a refusal of the drawee's offer, 
 and the latter is not bound. (6) Hence it would seem that the 
 only course for a holder to pursue in such cases, in order to hold 
 the drawee and the other parties, is to give them notice of the 
 terms offered, and obtain their consent to his taking the accept- 
 ance. 
 
 It has been said that the effect of neglect to give notice where 
 there is a conditional acceptance is done away or prevented by 
 the completion of the conditions before the maturity of the bill ; 
 and a neglect, where there is an acceptance as to part, and a 
 refusal as to the residue only, discharges the persons entitled to 
 notice as to the residue only ; but this has been doubted. These 
 questions have never been distinctly settled by adjudication, and 
 text writers do not agree in relation to them.(c) 
 
 (a) Bayley, J., Sebag v. Abitbol, 4 Maule & S. 462, 466 ; Paton v. Winter, 1 Taunt. 
 419. In Walker u. State Bank, h Seld. 582, 1.3 Barb. 636, a bill drawn by the Em- 
 pire Mills on A was presented by an anient of the bolder, and aecepted, "payable at 
 the Aineriean Exchanj^e Bank, Empire Mills, by A, Treasurer." The a<jent f^ave no 
 notice of this acceptance to the holder, drawer, or indorsers. Held, that the agent 
 should have treated the bill as dishonored, and j^iven notice accordingly, and for neg- 
 lect so to do was liable to the holder. 
 
 (h) Siiroiit V. ^Iatthc^^s, 1 'J'. \i. 182. Sec Bentiiick i\ Dorrien, 6 East, 200 ; Mitchell 
 V. Degrand, 1 Mason, 176 
 
 (r.) This i.s so stated in Bayley on Bills, 5th ed, 274, and by Chitty, 3.31, citing 
 Bayley. Story, in his work on Bills, § 272, note, says, after quoting the remarks of 
 Bayl(;y : " It does not appear to mc, that, upon principle, this doctrine can be sup- 
 ported ; for the acceptance in both cases is contrary to the tenor of the bill, and may 
 vary the rights and interests of the antecedent parties. The duty, therefore, would 
 Bccm to be clear, that there sliould be a due protest, and due notice to the antecedent 
 parties of the dishonor, and (pnilificil or conditional acceptance, in order to bind them. 
 Thi.-j is the doctrine asserteil by Pothier, De Ohaiige, n. 47. 48."
 
 CH. Xi.] PKESENTMENT FOR DEMAND. 353 
 
 CHAPTER XI. 
 
 PRESENTMENT FOR DEMAND. 
 
 SECTION I. 
 
 REASONS FOR THE REQUIREMENT OF DEMAND OF PAYMENT OF NEGO- 
 TIABLE PAPER, AND OF NOTICE OF DISHONOR. 
 
 If a bill be regularly accepted, then the acceptor is bound as 
 an original promisor, in much the same manner as the maker of 
 a promissory note ; and the other parties are regarded in tho 
 light of sureties, and are therefore liable only if the acceptor 
 does not pay. They certainly are not sureties in the strict sense 
 of this word, which bears a precise legal meaning of its own. 
 But they are as sureties, in that they pay only if he who is as 
 the principal debtor does not. The right and the duty of the 
 holder of an accepted bill, or of a negotiable promissory note, are 
 substantially the same. This right is to demand payment of all 
 who are responsible,pn the paper. This duty and obligation are 
 to give every one thus responsible all the opportunity to indem- 
 nify himself to wliich he is entitled by law. No one could hold 
 another as a surety or guarantor in any form, if he brings the 
 necessity of payment on the guarantor by his own wrongful neg- 
 ligence, or if by such negligence he makes such payment the 
 ultimate loss of the guarantor, by depriving him of the means of 
 indemnity to which he was entitled. 
 
 These universal principles of guaranty are applied to nego- 
 tiable paper in a strict and peculiar way. 
 
 If we remember the especial piirpose and use of negotiable 
 bills and notes, and remember also that from this purpose and use 
 springs all that system of law which belongs to them peculiarly, 
 we shall imderstand the obligations of the holder of such paper, 
 end see that they are as the conditions on which his riglits rest. 
 
 The drawer of a bill is as a surety for the acceptor, and the 
 
 Vol.' I.— X
 
 354 NOTES AND BILLS. [CH. XI 
 
 indorsor is as a surety for the drawer (or for the maker of a note) 
 and for every previous indorser. The design and the effect of this 
 are to accumulate upon the bill the credit of as many persons aa 
 choose to lend their credit to it ; for with every new element of 
 security the adequacy of the paper to represent money, and take 
 its place and do its work in business transactions, is increased. 
 
 But merchants who thus enable the holder to coin their credit 
 are entitled to a certain protection ; and the measure of this 
 must be, that they are entitled to all the protection, meaning 
 thereby all the efforts of the liolder to save them harmless, and 
 all the opportunities to save themselves, which are consistent 
 with the free use of the instrument as money. Nor is this right 
 of the parties founded merely on the justice due to them. It 
 rests also upon the fact, that the safer indorsers are, the more 
 readily will men of substance indorse, and therefore the more 
 certain it will be that the paper will be paid on the day when, by 
 it's terms, this representative of money is to become money by 
 payment. 
 
 It is for these reasons that the holder is bound, in the first 
 place, to demand the payment of the paper, at its maturity, of the 
 person who as the principal debtor is primarily bound to pay it. 
 And then, if the amount due is not paid by this debtor, to 
 demand it at once of each person who is as a surety for the 
 original debtor, while some one else is as a surety for him ; and 
 this demand must be made successively through all the parties 
 to the paper. By this means, every party to the paper as a surety 
 is sure that he shall not be held as a surety by reason of any 
 delay or insufficiency in demanding the money from him who is 
 to the surety as a principal debtor. 
 
 The rules of law in respect to presentment, demand, notice of 
 dishonor, and liability on negotiable notes and bills, stand forth 
 from tlie main body of the common law as very distinct and 
 peculiar. And yet they are nothing more, in substance, than a 
 very rigorous and precise application of the general rules in re- 
 sf)cct to guaranty, and tliese rules flow from the most obvious 
 |.riii(:i|»l('s of common justice. A guarantor in general is one 
 who is bound to pay the debt of another if that other does not 
 pay it. lie is therefore a promisor on a condition. Tlie condi- 
 tion is, tii.'it the, piinciiia! debtor does not pay ; and this means, 
 that b<; does not j);iy when the debt is payable and is demanded ;
 
 CH. XI.] PRESENTMENT FOR DEMAND. 355 
 
 and therefore an unsuccessful demand on the principal debtor 
 is the proper evidence of his failure to pay the debt, and of the 
 consequent liability of the guarantor. And if the guarantor can 
 show that he has sustained a loss by the unreasonable neglect of 
 the creditor in making this demand of the principal debtor, this 
 should constitute a sufficient defence, because it would show that 
 the plaintiff had failed in the discharge of an important duty, 
 and that the defendant had been injured by this failure. 
 
 It must also be remembered, that parties who put their names 
 on negotiable paper in such a way as to make them stand as 
 sureties of other parties, are as sureties, not only on condition, 
 but on two distinct conditions, and one of them on three. The 
 drawer is bound only if due presentment for acceptance is made 
 to the drawee, and then (the bill being accepted) if due demand 
 be made on the acceptor for payment. And every indorser is 
 bound only if due demand be made on the several parties before 
 him for whom he stands as surety. 
 
 But furtlier than this neither drawer nor indorser is bound, 
 unless, in the first place, the requisite demand is duly made, and, 
 in the next place, due notice is given that the demand is inef- 
 fectual. 
 
 These two duties, or necessities, are entirely independent, and 
 the reasons for them rest upon distinct, although connected 
 grounds. Every one who in any way guarantees a debt has a 
 right to ask that this debt shall be collected of the principal 
 debtor if it can be by reasonable endeavors ; and such payment 
 of it is of course a discharge of all claim on the guarantor ; and 
 the indorsers of negotiable paper are, as we have seen, as guar- 
 antors. 
 
 But if the creditor cannot collect the debt himself, it is always 
 possible that the guarantor may, or may indemnify himself for 
 his payment by something which he may do himself, or may com- 
 pel the principal debtor to do. He is therefore always entitled to 
 an opportunity to procure for himself this indemnity ; and for 
 this purpose he must have immediate notice of that necessity for 
 it which is created by the non-payment of the debt he guarantees. 
 These two rights on the part of the guarantor are therefore dis- 
 tinct, and the two correlative duties or obligations of the creditor 
 are also disinict ; and hence a full discharge of the one duty by 
 the creditor is no excuse whatever for the non-discharge of the
 
 356 NOTES AND BILLS. [CH. XI. 
 
 other. That is to saj, notice without demand leaves it uncertain 
 whether a demand would not have been effectual. And demand 
 without notice gives to tlie indorser no such opportunity of in- 
 demnifying himself as the very fact of an ineffectual demand on 
 the principal makes it proper that he should have. 
 
 We have said that each indorser is entitled to have due de- 
 maud made against all parties prior to himself, and to notice of 
 non-payment. But in practice (a practice sanctioned by law to 
 a great extent), demand against all parties but the principal 
 payer is accompanied with notice of the default of that payer. 
 Thus, if A be the maker of a note, B the payee, and C, D, E, 
 and F indorsers, G, the last indorsee, makes his demand on A ; 
 and, if the note is not paid, gives to all the indorsers severally 
 notice that the note is not paid, and at the same time makes a 
 demand on them, stating that they, having indorsed the note, 
 are looked to for payment. 
 
 These rules are, as will be seen, substantially the same with 
 those which the law applies to all cases of guaranty. But, in 
 relation to negotiable paper, the law merchant makes these rules 
 far more precise and stringent than they are in relation to other 
 contracts. Thus, it defines what is vmreasonable delay, both as to 
 demand and as to notice, by determining with great precision the 
 very time within which both of these duties must be discharged. 
 And it defines also the manner, means, place, and circumstances 
 of the demand and of the notice, so as to leave as little as possi- 
 ble open for question. And the law merchant does this for the 
 purpose of enabling mercantile men, or those who deal with mer- 
 cantile paper, to know at once and precisely wliat their duties 
 arc, and what (licir rights are. And it dispenses with any proof 
 of actiinl loss l)y the indorser, if the duties in his behalf ai-e cer- 
 tainly n(!glected, l)y assviming peremptorily tliat one bound u|)on 
 negotial)h) ))aper is injured if any dehiy occurs in a discharge by 
 tlie hoMci' of bis dntii^s in rehation to it. 
 
 Such arc the j)rinciples and reasons of the rules of tlie law 
 merchant in i-cgard to the demand of payment of negotial)le pa- 
 per, and noticf! of non-payment. And these rules will now be 
 consid(Med in reference to the (]U(!stions, by whom, of whom, in 
 what manlier, when, and \vb(!i'e the demand for payment should 
 be mad(!. And we will tlicn consider thi; excuses which may be 
 made for the omission or irrcgidarily ol' (hnuand oi' paynitint.
 
 CH. XI.] BY WHOM DEMAND MAY BE MADE. 357 
 
 SECTION II. 
 
 BY WHOM DEMAND MAY BE MADE. 
 
 The general rule must obviously be, that a demand of payraeiil 
 should always be made by the owner of the paper, either person- 
 ally or by his duly authorized agent. For, as payment of a note 
 can only be good when made to a party who has a right to re- 
 ceive the amount due thereon, and to give a valid discliarge to 
 the maker for the same, it would seem that payment can only be 
 demanded by one who has the power to pass a valid title to the 
 note, and to release the maker from all liability incurred by rea- 
 son of the instrument. Where a demand is necessary before the 
 promisor can be charged, it is clear that it must be a legal de- 
 mand ; that is, such as he is bound to comply with ; and we can 
 see no reason why there should be any difference in tliis respect 
 between such a demand and one necessary in order to bind an in- 
 dorser. We should say that the proper test, in any case, to deter- 
 mine whether the demand was made by the right person is tliis : 
 Would the maker, by payment of the note to the party demand- 
 ing payment, thereby buying up his own note, be placed in the 
 same position as an ordinary bona fide holder of any other note. 
 If lie would, there can be no objection to the demand as regards 
 the person making it. If he would not, it is believed that the 
 demand would be insufficient, because not made by the right 
 party, (fl?) 
 
 {d) In Robarts v. Tucker, 16 Q. B. 560, a bill was accepted payable at a banker's, 
 and the banker paid it with a forged indorsement thereon. The acceptor, having been 
 obliged to pay the bill to the owner, sued the banker and recovered. Parke, B said : 
 " If this were the ordinary case of an acceptance made payable at a banker's, there can 
 be no question that making the acceptance payable there is tantamount to an order, on 
 the part of the acceptor, to the banker to pay the bill to the person who is, according 
 to the law merchant, capable of giving a good discharge for the bill. Therefore, if the 
 bill is payable to order, it is an authority to pay the bill to any person who becomes 
 holder by a genuine indorsement And if the bill is originally payable to bearer, 
 or if there is afterwards a genuine indorsement in blank, it is an authority to pay the 
 bill to the person who seems to be the holder." In Sussex Bank v. Baldwin, 2 Har- 
 rison, 487, Dayton, J said : " Any person may present, at its maturity, a promissory 
 note of which he is put in possession, and if jiaid in the ordinary course of business, 
 nnd taken up, the payment is good, and if not paid, the demand is good as a ground- 
 work for notice to the indorsers." In Bachellor v. Priest, 1 2 Pick. 399, Wilde, J. said •
 
 358 NOTES AND BILLS. [CH. XL 
 
 Pema,nd may certainly be made by an agent duly authorized, 
 and the agency for this purpose need not be created by a written 
 mstrument; it is sufficient if made by parol. (e) 
 
 The v(uestion has often arisen, whether a demand can be made 
 by the (ilerk of a notary. It is clear that, in cases where a pro- 
 test is unnecessary, the clerk may make the demand, for he is not 
 to be considered as acting in any official capacity, but as the mere 
 agent of the holder ; and, as has been already said, such agency 
 
 "A presentment by any person in possession of a bill bona Jich is sufficient to eharce 
 the parties." In Leftley v. Mills, 4 T. R. 170, IT.'i, Buller,J. : " The party makin-r the 
 demand must have authority to receive the money." A presentment, by the last in- 
 dorser, of a bill indorsed in blank by the payee, but made payable to a particular per- 
 son by the last indorsement, is sufficient to charge an indorser. Bachellor v. Priest, 
 12 Pick. 399. The question has arisen, whether possession by an indorser of a bill 
 with a subsequent special indorsement, there being no prior indorsement in blank, is 
 sufficient evidence of title. The following authorities hold that it is not, on the ground 
 that it aj)pears by the bill itself that the indorser has parted with his title, and a recei[)t 
 from the last indorsee, or a reassignment, is necessary. Welch v. Lindo, 7 Cranoh, 
 159 ; Gorgcrat v. M'Carty, 2 Dall. 144, 1 Yeatos, 94 ; Thompson v. Flower, 13 Mart. 
 La. 301, where it is held that the fact that the last indorsement is cancelled is not 
 sufficient; Dicks v. Cash, 18 id. 45 ; Sprigg v. Cuny, 19 id. 253; Griffon y. Jacobs, 
 2 La 192 ; Hart v. Windle, 15 id. 265. In Mendez v. Carreroon, 1 Ld. Raym. 742, 
 the phiintiff, an indorser, was nonsuited in an action by him against the acceptor, be- 
 cause he did not prove that he had paid the bill, having been sued by a subsequent 
 indorser. In Dehers v. Harriot, 1 Show. 163, it was held that a bill payable to A, and 
 indorsed by him to B, and by B to C, might be sued on by B. But it was said, in 
 argument by the plaintiffs, that " we proved that C had no interest." But the weight 
 of authority, however, is in favor of the sufficiency of the evidence. In the following 
 cases the last indorsement was cancelled. Bank of Utica v. Smith, 18 Johns. 230, 
 where objection was made to the demand, on the ground that the last indorsee only 
 could make it, but it was overruled. Chautauque Co. Bank v. Davis, 21 Wend. 584 ; 
 Mar)hattan Co. v. Reynolds, 2 Hill, 140 ; Dbllfus v. Frosch, 1 Dcnio, 367 ; Brinkley v. 
 Going, Breese, 288; Kyle v. Thompson, 2 Scamm. 432 ; Bowie v. Duvall, 1 Gill & J. 
 175. In the following cases, prior possession of the bill, with the last indorsement un- 
 cancelled, was held sufficient. Dugan v. U. S., 3 Wheat. 172 ; Lonsdale v. Brown, 3 
 Wash. C. C. 404 ; U. S. v. Barker, 1 Paine, C. C. 156 ; Picqnet v. Curtis, 1 Sumner, 
 478; Pitts v. Kcyser, 1 Stew. 154; Johnson v. English, id. 169; Norris ». Badger, 6 
 Cowen, 440; Mottram v. Mills, 1 Sandf 37. Sec Morris v. Foreman, 1 Dall 193. 
 The (■n<(i of Welch v. Lindo, 7 Cranoh, 159, was decided in 1812, Mnrshnll, C. J. de- 
 livering the opinion. The case of Dugan v U. S., 3 Wheat. 172, was decided in 1818, 
 th<' Ojiinion being by Liviiu/slon, J. These cases are in opposition to one another, and 
 in the latUT no reference is made to the former. 
 
 ■>) Sussex liank v. Balilwin, 2 Harrison, 487 ; Hartford Bank v. Stedman, 3 Coim 
 489 ; Bank of Utica r. Smith, IH Johns 230; Hunt ». Maybee, 3 Seld. 206 ; Freeman 
 V. Boynton, 7 Mass. 483; Hartford Bank v. Barry, 17 id. 94, where Parker, C. T 
 said : " Tlu;ro is no case which recpiircs that th(! person making the demand should bo 
 autliori/.i'd by letK^r of attorney ; it is sufficient that he has been requested to perform 
 the act, and that lie has the note to deliver on payment" ; Shed v. Brett, 1 Pi "k. 40 •
 
 CH. XI.] BY WHOM DEMAND MAY BE MADE. 359 
 
 may be created by merely handing over tlie bill or note with 
 instructions to demand payment. (/) But in cases where a pro- 
 test is absolutely required as the only admissible evidence of dis- 
 honor, many authorities liold that, if the clerk makes the demand, 
 it is insufficient to charge an indorser, on the ground that the 
 notary has no right to delegate the authority conferred upon him 
 by law.(o-) There are some authorities, however, which hold 
 that such a demand is sufficient, and others in which demand 
 was actually made by the clerk, and no objection made to it on 
 
 Seaver v. Lincoln, 21 id. 267, where the demand was made by a sheriff, who received 
 the note and a writ, with instructions to demand payment, and in case of refusal to 
 serve the writ. Shaw, C. J. : " An exception was taken at the trial, but not relied on 
 at the argument, that the demand of ])ayment was not made by the holder personally 
 I am not sure that I understand the ground of this exception. If it was intended that 
 the demand was not made and the notice given by a person duly authorized, it is an- 
 swered by the proof that the witness was expressly authorized by parol to make the 
 demand and to receive [layment, and he presented the note and had it ready to sur- 
 render, either to the promisor or to the indorser, upon payment. Such authority was 
 amply sufficient, and payment to the witness would have been a good discharge." 
 But in Branch Bank v. Gaffney, 9 Ala. 153, it was held that, in the case of indorsed 
 paper, serving a writ by a sheriff was not a sufficient demand upon which to found a 
 notice, because the writ does not authorize the officer to receive the money. Sed fjucEre. 
 lu Hartford Bank v. Barry, 17 Mass. 94, the note was indorsed by the cashier of a 
 bank, and transmitted to another bank, whose cashier caused the demand to be made. 
 No evidence of any express authority was offered, or of any general authority in such 
 cases. Objection was made to the demand, because not made by the holder or his 
 authorized agent. But Parker, C. J. said : " As to the demand made on the maker of 
 the note, and notice of non-payment to the indorser, in the case before us we can see no 
 sound objection. The cashier of the Hartford Bank put his official signature on the back 
 of the note, and sent it to the cashier of the branch bank in Boston, for the purpose of 
 making the demand, and it was by him caused to be done. It is insisted that this act 
 of the cashier of the Hartford Bank was without authority from the corporation. But 
 we think that the authority may be implied, it being the duty of cashiers to see to the 
 preliminary measures necessary to a suit upon notes. A cashier cannot transfer the 
 property of the corporation in a note, without authority from them, or perhaps from 
 the directors, pursuant to powers vested in them by the corporation ; but he may do 
 what is requisite for the recovery of a note. The defendant in this case has no right 
 to deny the authority of the cashier, for the corporation ratify his act by bringing the 
 action upon the act done by him. Had the note been sent on without any indorse- 
 ment by the cashier, the demand would have been good. The indorsement amounts 
 only to an authority to deliver the note to the maker or indorser, as either should pay 
 it, and the payment to the person holding the note under such circumstances would 
 i ave been a discharge." 
 
 (/) Sussex Bank v. Baldwin, 2 Harrison, 487. 
 
 ((7) Infra, chapter on Protest. But if the law of the place where a note is payable 
 sanctions demand by the clerk of a notary, such a presentment will be good in a place 
 where ii is necessary for the notary to make the demand himself McClane v. Fitch, 
 4 B. Mon. .599.
 
 360 NOTES AND BILLS. [CH. XL 
 
 that account. (//) Mr. Chitty, in an earlier edition of his work, 
 seemed co cite with approbation a dictum of Buller, J., to the 
 eflfect that such demand was insufficient. A correspondence was 
 soon after commenced by the notaries of London, who insisted 
 " not only that, by mercantile usage, such presentment is correct 
 and regular, and is almost invariably adopted, but that, as far 
 back as the memory of the oldest notary here can extend, it has 
 always been the custom so to present them." And a case is men- 
 tioned in which a notary was allowed by Lord EUenborough to 
 give evidence of such a presentment by him of a foreign bill. 
 They also said, that " commercial business must instantly come to^ 
 a stand if a different rule prevailed ; because it would be just as 
 impossible for all the bills in this country to be presented in per- 
 son by notaries as by bankers." (t) 
 
 Li the latest edition of the work, an opinion is expressed by the 
 learned editor that this practice "is amply justified by the law 
 of principal and agent, and not questioned in any case which has 
 occurred before the courts of England. "(j) 
 
 If the holder is dead, the administrator or executor should 
 make the demand, if any be appointed. (^*) If none is appointed, 
 the subsequent parties will not be discharged for want of pre- 
 sentment at maturity, if the executor or administrator causes 
 demand to be made within a reasonable time after his appoint- 
 ment. (/) 
 
 If the holder is insolvent, demand should be made by his 
 assignee, if any is appointed, (m) and if there be none, then it 
 seems that the holder himself may present. (w) If the hold- 
 er neglects, we should doubt whether his neglect should be 
 permitted to prejudice his creditors, if assignees were ap- 
 pointed with no unreasonable delay, and forthwith made the 
 demand. 
 
 (/i ) Infra, chapter on Protest. 
 
 ()') Chitty on BHIh, 12th Am. ed., 469, note z. 
 
 (j) Chitty on Jiilis, lOth En^. ed., 35."), note 4. 
 
 (k) Story, I'rom. Notes, § 250. 
 
 (/) White V. Stoddard, 11 Gray, 
 
 (m) Story, I'roin. Notes, § 249. 
 
 (n) Story, I'rom. Noti-s, § 249. In Ex parte Moline, 19 Ves. 216, 1 Rose, 30.3, 
 Lord Elilon said, with refirn-nce to nr)tice : " Tiie l)ankru[)t rejjrc^.sents liis estate until 
 anHit;n<-<!s are eliosen." In that ease it was held, tliat notice to a haiikru|it, ;is (h'awcr 
 hcfore the choice of assignees, was good.
 
 CH. XI.] OF WHOM DEMAND MAY BE MADE. 361 
 
 It is said that any person who happens to be the holder of tho 
 bill at the time it falls due, whether by accident or otherwis?, 
 may and ought to demand payment, although he may not have 
 the right to require it for his own benefit ; (o) but we have seen 
 that it may be doubted whether such holder should or could 
 make the demand, unless he had the right to deliver up the 
 notes on payment. In the case of a note made payable at a 
 particular place, it will be seen subsequently, that preiscntment 
 need not be made by any person, and that it is sufficient if the 
 note is there ready to be delivered up by some one authorized to 
 receive payment. (;?) 
 
 SECTION III. 
 
 OF WHOM DEMAND MAY BE MADE. 
 
 A PERSONAL presentment to, and demand of, the party bound 
 to pay, is not strictly necessary before an indorser can be charged, 
 for it is always sufficient if made to a person authorized to pay 
 the bill or note, at the right place and time, and in the proper 
 way.(9) 
 
 Presentment may be made to the acceptor or maker himself, 
 or to his authorized agent,(r) and a presentment to the clerk of 
 an acceptor or promisor, at his counting-house, has been held 
 
 (o) Cliitty on Bills, 365. The assignees of a bankrupt who was merely an agent may 
 present and receive payment of bills anti notes in their possession without being liable 
 in trover, though lliey must pay over the proceeds when demanded by the party en- 
 titled to them. Jones v. Fort, 9 B. & C. 764, 4 Man. & R. 547 ; Tennant v. Strachan, 
 Aloody & M. 377, 4 Car. & P. 31. 
 
 (/j) Infra, p. 365. 
 
 ((j) For presentment where the maker cannot be found, see infra, p. 448 ; in case of 
 bills or notes payable at a specified place, infra, p. 365. 
 
 (r) Matthews v. Haydon, 2 Esp. 509. If the drawee goes to sea, leaving an agent 
 with "i^ower to accept bills, and the agent accepts one, it must be presented to the agent 
 for payment, if the drawee continues absent. Philips v. Astling, 2 Taunt. 206. In 
 Belmont Bank v. Patterson, 17 Ohio, 78, the notary went to a hotel where the ac- 
 ceptor had been boarding, and was informed that he had left town for a few days. 
 Held, that the indorser was liable without presenting the bill to, or demanding pay- 
 ment of, any one at the hotel ; Birchard, C. J. dissenting, on the ground that the notary 
 should have inquired whether the wife of the maker, or some other party, had not been 
 authorized to pay the bill in the acceptor's absence. The dissenting opinion would seem 
 to be tlie better one. 
 
 vo).. 1. 31
 
 3G2 NOTES AND BILLS. [CH. XL 
 
 sufficient, without showing any special authority given him under 
 such circumstances. (a*) 
 
 Presentment of a partnership note to one of the partners is 
 sufficient ; (t) and if one of two partners dies before maturity, 
 presentment should be made to the survivor, and not to the 
 representatives of the deceased, because the liability devolves 
 upon the surviving partner, (m) 
 
 Where there are several promisors of a note who are not part- 
 ners, it is necessary that the note should be presented to all 
 
 (s) Draper v. Clemens, 4 Misso. 52 ; Stainback v. Bank of Virginia, 11 Grat. 260 ; 
 Stewart v. Eden, 2 Cainos, 121 ; Harris v. Packer, 3 Tyrw. 370, note; Reynolds v. 
 Chettlc, 2 Camp. 596. But in La State Ins. Co. i'. Sliamburgh, 14 Mart. La. 511, tlio 
 promisor, between the making and the maturity of a note, changed his domicil from 
 one place to another in the same State. Demand was made on his agent, with whom 
 he had left full powers to represent him in all things touching his affairs. Held insuf- 
 ricient to charge an indorser. Sed gucere. In Bank of England v. Newman, 1 2 Mod. 
 241, Holt, C. J. held, "that a demand of a servantof the drawer, who used to pay 
 money for him, was a good demand," to hold an indorser. 
 
 {t) " The general rule is, that where an acceptance is by partners, then the present- 
 ment for payment should be at their place of business, or at the dwelling-house of 
 either of them." Bacon, J., Otsego Co. Bank v. Warren, 18 Barb 290. But in this case 
 a notarial certificate of presentment "to one of the firm of W. B. & Co." was held in- 
 sufficient to charge an indorser, because it did not state wlio composed the firm, nor 
 the name of the person on whom ihe demand was made ; and that evidence of the cus- 
 tom of notaries to make such entries in their certificates was inadmissible, the custom 
 being bad. In Shed v. Brett, 1 Pick. 401, demand was made on one of two partners, 
 and it seems to have been taken for granted that there was no objection on that ac- 
 count. In Granite Bank v. Ayres, 16 Pick. 392. demand was made of a partnership 
 note, at tiie last place of business of the firm. An answer was given by the parties 
 occupying the place, that the firm had failed and the partners had left town. One of 
 the i)ariners was, however, living in town, and his name was in the directory. Held in- 
 euflicient to charge an indorser. In Erwin v Downs, 1 5 N. Y 575, it was held that 
 presentment to one of two persons who, by their signature, purport to constitute a 
 partnership, is sufiicient to charge an indorser. In Crowley v. Barry, 4 Gill, 194, an 
 action by an indorsee against the payee and indorser of a partnership note, it was 
 ]>roved that the makers had dissolved partnership, giving public notice thereof in a 
 newspaper in Washington, their place of business, and where the note was made, and 
 also thai one of the partners was authorized to settle up the partnership concerns. The 
 idaintiir lived \ji Baltimore and had the note presented to the other partner. Archer, 
 C. J. said : " It niiuht he sufficient to say that this dissolution had by no evidence in the 
 cause been brought home to the knowledge of the holder of the note. But we do not 
 desire to determine the question on this ground, because we are clearly of opinion that 
 a demand on oiu; of the partnc^rs was sufficient, as each partno' represents the ])artner- 
 ship. Before a dissolution, it clearly would not be necessary to make a demand on 
 both, nor could it be necessary after a dissolution, for the ])artncrship, as to all antcce 
 dent transactions, continues until they are closed." A demand on the agent of one 
 partner, after dissolution of tint (inn, in the absence of the i)artner, was ncld uiif 
 cient in Brown r. 'I'liriicr, 15 Aln. 8.'{2. 
 
 (n) Cayuga Co. liank r. II\int, 2 Hill, G'iS.
 
 CH. XI.] OF WHOM DEMAND MAY BE MADE. 363 
 
 before the liability of an indorser can accrue ; (y) but the au- 
 thorities are not uniform upon this point. (i^) 
 
 Where the maker dies before the maturity of the note, demand 
 
 (v) Blake v. McMillen, 22 Iowa, 358. In Union Bank v. Willis, 8 Met. 504, a note was 
 signed bv A, and on the back was the signature of B & Co., who were not parties to the 
 note. The holder demanded payment of B alone. By the law of Massachusetts, the par- 
 ties are lialile as joint and several promisors. Held, that the demand was insufficient. 
 Hnbhard, J. said: "The precise question here presented, we believe, has not been de- 
 cided in any reported case. If the joint and several promisors are to be considered in 
 the light of partners, then a notice to one must be esteemed a notice to all, as partners are 
 but one person in legal contemplation; each partner, acting in such capacity, being not 
 only capable of performing what the whole can do, and of receiving that which belongs 
 to all, but l)y such acts necessarily liinding all the partners. It follows, therefore, as an 
 incident to such joint relations, that all the partners are affected by the knowledge of one. 
 But in respect to mere joint and several promisors on a note, there is not such absolute 
 community of interest between them, nor such necessary connection with each other, as 
 to constitute them partners. The relationship is confined to the present specific liability 
 of a joint and several promise, and which cannot be extended by the act of one so that his 
 conduct shall necessarily bind the other. As between themselves, one promisor may be a 
 mere surety, and the other the debtor ; one surety may have received security for lend- 
 ing his name, the other not. Or, if there are three joint and several promisors, two may 
 be sureties, and the other the principal debtor, although the fact may not appear on the 
 note. As the incidents, then, of a partnership do not attach to such a limited joint lia- 
 bility, there being neither a community of interests nor joint participation of profit and 
 loss, the fact of knowledge on the part of the whole, from the actual knowledge of one, 
 does not follow as a presumption of law ; and demand upon one is not, therefore, in 
 law, a demand upon the whole. If then the bringing home of knowledge to each, or 
 proof of a demand upon each, is a fact necessary to be proved, in order to bind third 
 persons, then such knowledge, or such demand on each, must be proved as any other 
 fact." It has been held that notice to each of two or more joint indorsers is neces- 
 sary in order to render any indorser liable. Sayre v. Frick, 7 Watts & S. 383 ; Shep- 
 ard V. Hawley, I Conn. 367. 
 
 (w) A demand upon one of three joint and several promisors was held sufficient in 
 Harris v. Clark, 10 Ohio, 5. Hitchcock, J. said : "If we were to hold that a demand 
 must be made upon all the makers in order to charge the indorser, such decision would 
 operate to discharge many, if not all, indorsers of notes of a character similar to the 
 one now under consideration. It will be seen that the note is not payable at any par- 
 ticular place ; if it were, a demand at the place would be sufficient. But as it is, a per- 
 sonal demand was necessary. Now suppose the makers resided in diflferent States, or in 
 different and distant parts of the same State, how could demand be made of all so as to 
 charge an indorser ? It must be made on the day tlie note falls due, or, where days of 
 grace are allowed, upon the last day of grace. Will it be said that demand can be 
 made at different and distant places on the same day, through the agency of letters of 
 attorney ? I believe such a practice has not been heard of, at least we have found noth- 
 ing like it in the books." " Upon the whole, although we feel that there are apparent 
 difficulties in the way, we see no substantial objection to considering the makers of a 
 •oint and several promissory note in the light of partners in that particular fans- 
 iiction True, they may be sued separately, or, like pai-tners, they may be sued jointly ; 
 .md iiJ* the joint and separate property of partners is liable for partnership debts, so the 
 property of all and each of the makers of such a note may be sabjected to its satis- 
 faction." The answer to the main objection would be, that, where the makers liv«
 
 364 NOTES AND BILLS. [CH. XI. 
 
 should, ill general, be made of his personal representatives ; (x) 
 but wliere an executor or administrator is allowed by law a 
 certain time within which to settle up the estate, and is not 
 liable before the expiration of that period, it has been held that 
 an indorser is liable without a demand on the maker, provided 
 the note falls due within the time limited, (y/) but not other- 
 wise, (z) 
 
 at so great a distance from each other as to make a demand on all on the day of ma- 
 turity impossible, a demand at that time as to all but one, at least, is excusable. 
 
 (x) Price v. Young, 1 Nott. & M. 438; Toby v. Maurian, 7 La. 493; Gower v. 
 Moore, 25 Maine, 16, where it was held, that knowledge on the part of the indorser that 
 the maker had died, that his estate was insolvent, and tliat the note would not be paid, 
 constituted no excuse for non-presentment. The iiolder had, prior to the maturity of 
 the note, proved his claim in insolvency against the maker's estate, and notified the 
 indorser of the death, and that he, the indorser, would be looked to for payment. 
 The indorser was likewise notified again a month after the note fell due. The fact 
 that the indorser has become the administrator docs not dispense with demand and 
 notice. Juniata Bank v. Hale, 16 S. & R. 1.57. In Gaunt v Thompson, 7 G. B. 400, 
 an action by an indorsee against the drawer, the party having possession of the bill 
 presented it at the acceptor's house, and said to the drawer, who had been made 
 the executor of the acceptor, and was at the last place of abode of the latter : " I have 
 brought a bill from C. (the plaiutift") ; you know what it is." The drawer replied : " I 
 am the executor of the acceptor; you must persuade the plaintiff' to let the bill stand 
 over a few days, because the acceptor has only l)een dead a few days. I will see the 
 bill paid." Held a sufficient presentment. But in Magruder i;. Union Bank, 3 Pet. 
 87, 7 id. 287, it was held that, if the maker dies and the indorser is appointed his ad- 
 ministrator, demand on him as administrator is necessary to charge him as indorser. 
 
 (ij) This is so declared in Massachusetts, where the time limited is a year. Hale v. 
 Burr, 12 Mass. 86, where Parker, C. J. said: "In Flngland, however, there may be 
 reasons for making a demand uj)on an executor or administrator of a deceased prom- 
 isor in a note necessary, which do not exist in this country ; and if the reasons u])on 
 which the law is founded do not exist, there is no cause why we should not decide 
 according to the luiture and sjiirit of the contract. In this State, a demand upon an 
 administrator would in most cases be entirely nugatory. He is not obliged to pay any 
 debt of the deceased, except such as are particularly privileged, until a year from his 
 appointment. If sued within the year, he is entitled to a continuance of course This 
 indulgence is given to enable him to collect the effects of the deceased, ami to ascer- 
 tain their sufficiency to discharge all the debts. If there should bo a deficiency, a gen- 
 eral distribution takes ])lace among all the creditors, without regard to the character 
 of their demands, unless in the few excc|)tcd cases al)ove alluded to. Under these cir- 
 cumstances, should he pay any debt, and it should afterwards appear that the estate is 
 insolvent, he pays at his peril. A prudent executor or administrator will therefore 
 seldom hazard the payment of a debt before he has ascertained the situation of the 
 estate, and a demand uj)on him would l)e suro to mtvit with a refusal. Such a demand 
 would, therefore, be merely a troublesome formality, without any use; and notice to 
 the indorser that, the promisor being dead, he will be looked to for payment, will 
 in every respect be as advantjigeous to liiin as a previous drniand upon the promisor." 
 See Ori(;!ifal Bank v. F?bike, 22 I'i.k. L'Of,. Thi^ has been so held in Lonisiima. Lan- 
 dry c. Staii^bury, 10 La. 48r\ 
 
 (;) Se.' Hale r. Burr, )•_> Mn^s. 8il ; Ori.'ntal Hatik v. Blake, 22 Pick 206. Pu'iion^
 
 CH. XI.] OF WHOM DEMAND MAY BE MADE. 365 
 
 It will be seen horoaftcr that the msolvency of the maker or 
 acceptor forms no valid excuse for non-presentment, (a) And it 
 has been held that a demand on the assignee is not sufficient. (6) 
 Certainly, if there is no assignee, the demand should be made of 
 the maker himself.(c) If the maker be an unmarried woman 
 when the note is made, but marries before maturity, the husband 
 is the proper party to whom the note should be presented, if he 
 can be found. (c?) 
 
 It may be added, that if the promisor should become a lunatio, 
 or otherwise incapable of making a valid contract, presentment 
 should of course be made to his guardian, or the parties havik.g 
 legally the management or control of his property and busine^s. 
 
 We have already intimated, and shall show more fully heie- 
 after, that, when a note or bill is payable at a particular place, no 
 presentment or demand is necessary, provided that the note or bill 
 is at that place ready to be delivered up to the party calling for 
 and prepared to pay it.(e) 
 
 J. said : " But if the note should fell due after the expiration of the year, and the 
 estate should not be represented insolvent, there would seem to be no reason why thci 
 bolder should not make a demand on the executor or administrator of the promisor ; 
 tor he would then be liable to a suit upon non-payment, and upon a demand he might 
 safely pay ; and the iudorser would have reason to complain of the laches of the holder, 
 if he had neglected to make a demand upon the executor or administrator, and to give 
 notice of a default of payment, under such circumstances." 
 
 (a) Infra, p. 446. 
 
 (h) In Armstrong v. Thruston, 11 Md. 148, where the makers of a partnership note 
 had failed, and an assignment had been made, a demand at the place of business of the 
 assignee and trustee was held insufficient. Bartol, J. said the demand "ought to have 
 been made on the makers, or at their place of business ; their insolvency does not 
 excuse the holder from a compliance with the statute." 
 
 (c) See infra, section on Excuses for Absence of Demand of Payment. 
 
 (d) In Cromwell v. Hynson, 2 Esp. 511, a bill bad been presented to the drawee, and 
 acceptance refused. The bill was then sent to the indorser's house, and shown to his 
 wife, the husband being absent, and the circumstances communicated to her. Held a 
 sufficient demand to charge the indorser. 
 
 (e) In Reynolds v. Chettle, 2 Camp .596, a bill accepted payable at H. & Co.'s, 
 bankers, was presented at the clearing-house to their clerks. Held a sufficient present- 
 ment. So Harris v. Packei-, .3 Tyrw. 370, note. In Hunt v. Maybee, 3 Seld. 266, a 
 note, signed Jacob Ferdon, was presented at the place designated in pencil at the foot 
 of the note, to a person who, on being asked, said that he was the maker. Held, prima 
 facie, to be sufficient to charge an indorser. The defendant objected to the admission 
 of the evidence that the party inquired of said he was Jacob Ferdon. Edmonds, J. : 
 " This was complete proof, for it was part of the res (jestft ; and besides, the objection 
 s that it did not prove his identity, which is an objection as to sufficiency, not com- 
 petency, and the evidence was offered, not to prove identity, but merely as a part of 
 the maker's refusal to pay. There was no error there." 
 
 31 *
 
 366 NOTES AND BILLS. [CH. XI 
 
 But if presentment is made at the place specified, or, in the 
 case of a note payable generally, at the place of business of the 
 acceptor or maker during business hours, or at his domicil at a 
 reasonable hour of the day, it would seem that the presentment 
 is sufficient if made to any person to be found on the premises, 
 especially if the maker is absent or inaccessible, for it is the duty 
 of the maker to be present and witliin reach, or, if absent, to 
 leave some one to pay the note or bill.(/) In the case of bills 
 payable at a specified place, it has been held that an allegation 
 of presentment to the acceptor is proved by evidence of present- 
 ment at the place ; (g-) or where the bill is payable at a banker's, 
 by presentment to his clerk at the clearing-house. (/<) But in 
 such case it has also been held that an allegation of presentment 
 at the place was sufficient, without any averment of presentment 
 to either acceptor or banker, (i) 
 
 Where there is no person upon whom demand can be ijiade, 
 an indorser is liable without presentment ; as where an agent, 
 autliorized to sign notes for his principal, made a note which was 
 indorsed immediately after the making, and the principal was 
 dead at the time, none of the parties being aware of his death, it 
 was held that a demand was needless, (y) 
 
 (/) See Cromwell v. Hynson, 2 Camp. 596, supra, p. 365, note d; Philips v. Ast- 
 ling, 2 Taunt. 206, supra, p. 361, note r; Draper v. Clemens, 4 Misso. 52. In Bux- 
 ton V Jones, 1 Man. & G. 83, 1 Scott. N. R. 19, decided since the Stat. 1 & 2 Geo. 
 IV., a bill was addressed to the drawee, at the number of his house and the name 
 of the street. It was accepted generally. The holder presented the bill at the door 
 of the house to an inmate who was comini; out. The acceptor had removed, and the 
 inmate told the holder so. The holder left a card, i-ontaining notice of the mattirity 
 of the bill, with the inmate. The occupier of the house knew wliere the acceptor had 
 removed. Held sufficient to charge an indorser. In Branch Bank v. Hodges, 17 Ala. 
 42, the presentment was made to the book-keeper of tiie acceptor, at bis counting- 
 room, the acceptor being absent. The drawer was held. In Moodie v. Morrall, 1 
 Const. K. 367, presentuicnt was made to tlie wife of the maker, as she informed the no- 
 tary tliat her husband was out of town. Held sufficient. Presentment at the acceptor's 
 dwelling-house is sufficient, there being no one there to answer for him, and no pro- 
 vision having been made for payment at three o'clock, P. M. Stivers v. Prentice, 
 3 B. Mon. 461. See Bellievre v. Bird, 16 Mart. La. 186; Hamer v. Johnson, 16 La 
 242; Oakcy v. Beauvais, II id. 487. 
 
 ((/) Iii/ia, p 427, note. 
 
 {h) .S'l/p'f, p. 36.5, note fi. 
 
 (i) Iiifrii. p. 427, note. 
 
 {j) Bu.Till -. Sniilh, 7 I'ick. 291.
 
 CH. XI.] m WHAT MANNER DEMAND SHOULD BE MADE. 867 
 
 SECTION lY. 
 
 IN WHAT MANNER DEMAND SHOULD BE MADE. 
 
 The demand should be for an absolute, immediate payment in 
 cash. This would be presumed to be the meaning of a simple 
 demand of " payment." But if the holder saw fit to accept any- 
 thing else in payment but cash, this would discharge the subse- 
 quent parties as effectually as a regular payment in money. (A;) 
 
 The party making the demand should have the bill or note 
 with him, and should exhibit it ; because, as has already been 
 seen, the payer has a right to require its delivery up to him be- 
 fore he pays, and may insist that the holder should produce it ; 
 and the latter must be in a condition to do so if required. (/) If 
 his ability to present it be perfect, and it is, in fact, near and ac- 
 cessible, it may not be absolutely necessary that he should have 
 it in his immediate personal custody, though this is proper. (w) 
 
 {k) Infra, chapter on Payment of a Bill or Note. 
 
 (I) Supra, p. 230, note x. In Musson v. Lake, 4 How. 262, it was held that a pro- 
 test, stating only that payment was demanded, is inadmissible to prove a presentment, 
 because it should set forth that the notary had the bills in his possession at the time ; 
 Woodbury and McLean, JJ dissenting, on the ground that, as a notary cannot make a 
 legal demand without presenting the bill, it is a fair inference that he had it with him at 
 the time of the presentment. Contra, Nott v. Beard, 16 La. 308; Deyraud v. Banks, 
 id. 461. In Bank of Vergennes v. Cameron, 7 Barb. 143, the statement in the protest 
 was, that the notary went with the draft to the bank, and demanded payment. Held 
 that this was sufficient. Harris, J. : "In this case the notary states that he went with the 
 draft to the bank and demanded payment. The language, I think, may fairly be 
 deemed equivalent to saying that, when he made the demand, he had the draft with 
 him, and was prepared, in case of payment, to surrender it to the person who should 
 honor the draft on behalf of the acceptor. So far therefore as it relates to the present- 
 ment of the draft and the demand of payment, I am inclined to hold that the evi- 
 dence furnished by the notarial certificate is sufficient." In Draper v. Clemens, 4 
 Misso. h2, a demand was held insufficient because it did not appear that the bill wa.s 
 produced. In Freeman v. Boynton, 7 Mass. 483, it appeared that the party demanding 
 payment did not have the bill with him. Held insufficient. See Smith v. Gibbs, 2 
 Smedes & M. 479; Farmers' Bank v. Duvall, 7 Gill & J. 78. 
 
 So the indorser, upon offering to pay, has a right to insist on the delivery of the 
 note as a condition of such payment ; and a tender of the amount due is not rendered 
 invalid by being made on such a condition, contrary to the general rule that a tender 
 must be unconditional. Wilder v. Seelye, 8 Barb. 408. 
 
 (m) In Tredick v. Wendell, 1 N. H. 80, the note was in a bank within a few rods 
 of the maker's house, and the maker was informed, by a letter from the cashier, where 
 the note was, and requesting payment. Held sufficient to charge an indorser.
 
 368 NOTES AND BILLS. [CH. XL 
 
 If on presentment the note is not asked for, and on this account 
 it is not actually exhibited, but its identity is perfectly known 
 to the party on whom the demand is made, there is no reason 
 why the non-exhibition of it should vitiate the demand ; (n) and 
 indeed, the better rule, as drawn from the authorities, would seem 
 to be, that in order to destroy the validity of the demand, on the 
 ground that the note was not exhibited, the maker or acceptor 
 should, either expressly or by implication, refuse to pay on that 
 account ; otherwise, he will be deemed to have waived his right 
 to require that the note should be shown to him. 
 
 If the note or bill is lost, it is sufficient if the demand be made 
 with a presentment of a true copy of the lost paper ; (o) and 
 where it is necessary to tender a bond of indemnity to the maker 
 before he is liable, such a bond should also be presented. 
 
 But this rule respecting the necessity of presenting the note is 
 subject to other exceptions. Thus, in Massachusetts, it has been 
 the custom for a bank which becomes the holder of negotiable 
 paper to issue a notice to the promisor a few days before matu- 
 rity, informing him that the paper is in the bank, setting forth 
 the date when it will be payable, and requesting him to come 
 there and pay it. It is distinctly held in that State, that such 
 previous notice to the promisor, with neglect on liis part to pay 
 the note at the bank, constitutes a conventional demand and re- 
 fusal, wliich amounts to a dishonor of the note, and that it is not 
 the delivery of the previous notice to the promisor which consti- 
 tutes the presentment, but that it is the failure to pay at the bank, 
 during Ijank hours on the last day of grace, which amounts to 
 dislionor.(/y) Indeed, this custom is said to have become so gen 
 
 (n) Lofkwood v. Crawford, 18 Conn. 361, an action against an indorscr of a note 
 which had hceii partially paid by tlie promisor. Church, C. J. : " It is true that it docs 
 not dirc<'tly appear that tlic payee presented tlie note in form, and demanded pay- 
 ment ; hut as lie had not, at that time, transferred it, the makers mij;ht well presume it 
 continued in his possession ready to be delivered ui)ou payment. When called upon 
 for the balanci', they did not inquire for it, nor refuse to pay because the note was not 
 shown to them ; on the contrary, they said that they could not conveniently pay any 
 more then, and requested the payee to draw upon them at a future time; thereby waiv- 
 ing, us they had a right to do, a more formal demand." 
 
 («) Hinsdale v. Miles, f> Conn. 331 ; Posey v. Decatur Tinuk, 12 Ala. 802. 
 
 {/)) Shiiiv, (/. J., Mechanics' Bank v Merchants' Bank, 6 Met. 13, 23. The point was 
 first decided in Jones v. Fales, 4 Mass 245, where the note was not made piiyablc at a 
 bank, but the defendant, an indorser, was found to have been acquainted with the usage, 
 and this fact was held to be admissil)le evidence of an ngrcement on his pan to be bound
 
 CH. XI.] IN WHAT MANNER DEMAND SHOULD BE MADE. 369 
 
 eral and universal, and it would seem, perhaps, to have become 
 so far incorporated into the general law of that State, that every 
 one who incurs the liability of maker and indorser may be sup- 
 posed to have contracted with reference to it, and knowledge on 
 his part may be presumed. (^) Evidence of such a mode of de- 
 
 thercby, though it did not appear that he had ever conformed to the usage. Widg- 
 ery v. Munroe, 6 id. 449, where the defendant, an indorser, had been accustomed to 
 leave his notes in the bank for collection, and had conformed to the usage. Lincoln 
 & Kennebeck Bank v. Page, 9 id. 155 ; Lincoln & Keimebcck Bank v. Hammatt, id. 
 159, in which cases the note was made payable at the bank. In Weld v. Gorham, 10 
 id. .366, the note was not payable at a bank, and it was left to the jury to find whether 
 the maker and the indorser, the defendant, were conversant of the usage, and they 
 were directed, that tiie fact that the maker and indorser were directors of the bank, 
 and the long continuance of the custom, were presumptive evidence of knowledge. In 
 Bianchard v. Billiard, 1 1 id. 85, the defendant, an indorser, was proved to have knowl- 
 edge of the custom. In State Bank ;» Hurd, 12 id. 172, the note was payable at a 
 bank, and the notice, by direction of the tnaker and indorser, was left at a store of a 
 third party. In Peirce v. Butler, 14 id. .30.3, it is said that evidence of the custom ia 
 sufficient to bind the indorser, if he had been conversant of the usage. In Whitwell 
 V. Johnson, 17 Mass. 449, the note was not payable at a bank, the maker knew the 
 custom, but there was no evidence that the defendant, an indorser, was acquainted with 
 it. Held sufficient. Parker, C. J. : " If the indorser has seasonable notice of the fact 
 of non-payment when the note is due, it must be immaterial to him in what form the 
 demand upon the maker was made. If there had been no demand, he would not be 
 liable, because it does not appear but that the note would have been paid, if demanded ; 
 and it is within the terras of the stipulation that such demand shall be made. But if 
 there has been such a demand as the maker was bound by, so that he had no right to 
 refuse payment, it is not easy to see how it concerns the indorser whether the legal 
 forms have been complied with, or waived by the promisor. The case of State Bank 
 V. Hurd, 12 Mass. 172, was decided upon this principle, and the only difference be- 
 tween that case and this under consideration is, that in that, the note was payable at 
 the hank, and in this, it was not. But the circumstance was not essential, as it would 
 not follow that Hurd, the indorser, was conversant of the usage of the bank mcrelv 
 because he indorsed a note payable there." These decisions are affirmed in City Bank 
 V. Cutter, 3 Pick. 414 ; Boston Bank v. Hodges, 9 id. 420 ; North Bank v. Abbot, 13 
 id. 465 ; Shove v Wiley, 18 id. 558, where the evidence of knowledge was that the in- 
 dorser was frequently at the bank transacting business, and frequently paid notes 
 there; Centnil Bank v. Davis, 19 id. 373; Grand Bank v. Bianchard, 23 id. 305; 
 Warren Bank v. Parker, 8 Gray, 221. 
 
 (7) See Grand Bank v. Bianchard, 23 Pick. 305. Shaw, C. J. said : " But the cus- 
 tom of the banks of Massachusetts of sending a notice to the maker of a note to come 
 to the bank and pay it, and treating his neglect to do so during bank hours on the last 
 day of grace as a dishonor, .... has become so universal, and continued so long, that it 
 may well be doubted whether it ought not now to be treated as one of those customs of 
 merchants of which the law will take notice, so that every man who is sufficiently a 
 man of business to indorse a note may be presumed to be acquainted with it and as- 
 sent to it, at least until the contrary is expressly shown. It is to be recollected that the 
 rules respecting presentment, demand, and dishonor of bills of exchange and promis- 
 sory notes, and indeed the lex mercatoria generally, originated in the custom of mer- 
 chants, which custom was a mauer of fact to be proved by the party relying on it, and 
 Vol. I.— Y
 
 370 NOTES AND BILLS. [CH. XL 
 
 mand may be given in support of an averment of presentment to 
 the maker, (r) 
 
 This custom has also been sanctioned by judicial decision in 
 Maine ; (s) but it has been doubted, perhaps, in Maryland, (^) and 
 in New Hampshire ; (w) at least the courts of these States do not 
 
 to be determined by the jury. But when a custom has been definitely settled by judi- 
 cial decisions, it is taken notice of by courts as part of the law of the land, and need 
 not be proved as a fact in each case " 
 
 (r) City Bank v. Cutter, 3 Pick. 414 ; Boston Bank v. Hodges, 9 id. 420; North 
 Bank v. Abbot, 13 id. 466, where Shaw, C. J. said : " The principle of allowing some 
 latitude in the mode of proof, where a presentment and demand are averred in the dec- 
 laration, seems to be this : the plaintiff does not give in evidence matter strictly in ex- 
 cuse, but a qualified presentment anti demand, or acts which, in their legal effect, and 
 by the custom of merchants, are deemed equivalent to demand." 
 
 (s) Gallagher v. Roberts, 2 Fairf. 489 ; Maine Bank v. Smith, 18 Maine, 99. 
 
 (t) Farmers' Bank v. Duvall, 7 Gill & J 78. One of the head notes is as follows : 
 " The practice of banks to give notice to the makers of notes of the time of their raatu- 
 rit}', and place of deposit for collection, cannot, where such notice has been delivered, be 
 substituted for a demand of payment so as to affect the indorser." This appears to be 
 a broader statement than is warranted by tiie case. All that is decided with regard to 
 the usage is that the evidence in the case did not prove it. 
 
 (u) Moore v. Waitt, 13 N. H. 415. In this case, the drawer, acceptor, and payee 
 resided in different towns. When the payee received the bill, he told the diawer that 
 he should get the bill discounted at the bank. Instead of doing this, he left it at the 
 bank for collection. The custom of the bank, and of the banks of several adjoining 
 towns, was given in evidence, hut it did not appear that the drawer and acceptor knew 
 of the custom. The suit was brought against the drawer, who defended on the ground 
 that there had not been a sufficient presentment. Held, a good defence. Parker, C. 
 J. : " It appears that the bill was left in the Framingham Bank for collection ; and the 
 plaintiff relies upon a usage of that bank to notify the acceptor and drawer through the 
 mail, on the last day of grace, as an excuse for a neglect to present the bill to the 
 acceptors for payment. But we find nothing in the case to charge the defendant upon 
 any usages of the Framingham Bank. The payee, when he received the bill, told the 
 defendant that he should get it discounted at that bank. This he did not do, for a suffi- 
 cient rea.son, but instead thereof left it in the hank for collection. The utmost effect 
 that could be given to this would be as a notice to the defendant that the bill would be 
 in that hank at its maturity. Such notice would in no way extend orvaryliis liability. 
 The bill was not drawn payable at that hank ; nor would the notice, when the payee 
 received it, that it would be left there, have any operation to bind the acceptors, or the 
 defendant, to seek it at that place. Nor could the notice to the acceptors, according to 
 the custom of the bank, when the bill became due, impose any greater duty upon them 
 than existed when they first accepted the bill, or charge the defendant for their neglect 
 to make payment at that place. It docs not appear that the acceptors had any notice 
 that tlie bill was there until after the last day of grace. The defendant had no agency 
 in pror-nring the hill to be left there. Nor does it a])pcar that he had any knowledge of 
 the usages of the bank. If he had had such knowledge, that fact would not have 
 operated a.i a waiver of his right to require that a demand should be made upon the ac- 
 ceptors, according to the general rules of the law, before payment was sought of him ' 
 
 In I^eiiviit n. RimcK, .3 N. H. 14, Hirlinii/.'nin, C. J said ; " The usage of the hauks
 
 CH. XI.] IX WHAT MANNER DEMAND SHOULD BE MADE. 371 
 
 seem disposed to give it such effect as is allowed in Massachu- 
 setts. Even in Massachusetts it is a prevailing and very general, 
 if not universal usage, for the banks to hand the dishonored 
 note to a notary on the day that it matures and remains unpaid, 
 and the notary makes the same demand that he would if no pre- 
 vious notice had been given. 
 
 Another exception is, when the maker calls upon the holder at 
 his place of business the day the note falls due, and declares his 
 inability to pay it, and requests the holder to give notice to tlie 
 indorser. In such case it has been held that there was a demand 
 sufficient to bind tlie latter, though the note was not shown. (y) 
 This may, however, be considered rather as a waiver of the 
 maker's right to insist' upon its exhibition. 
 
 Another exception arises in the case of notes and bills payable 
 at a specified place. Tiuis, when a promisor makes a note paya- 
 ble at his banker's, and the banker himself becomes the holder 
 of the note, it is held to be a sufficient presentment to charge 
 an indorser, if tlie banker turns to his books and examines the 
 promisor's account ; and a sufficient refusal, to find that there 
 is no balance due the latter from the former. (i^) It will also be 
 seen hereafter, that, when a note or bill is payable at a specified 
 place, it is sufficient if it is there at maturity, ready to be given 
 up, on payment, to any party calling for and authorized to pay 
 it. (a;) It is not easy to see how a sufficient demand can be made 
 with safety through the post-office. (y) A letter addressed to the 
 
 is found, but it is not found that the defendant (an indorser) had ever conformed to the 
 usage, or even that he was conusant of it. There is then nothing from which his 
 
 assent to waive the want of a regular demand can be inferred We are of opinion, 
 
 that it is not enough in this case to show the usage, and that the defendant was conusant 
 of it. We think his assent to the usage is not to be inferred from the simple fact that he 
 had knowledge of it. If it can be shown that he had conformed to the usage, it may 
 deserve consideration whether his assent to it might not be inferred from his conduct. 
 On tlie other hand, it will deserve very serious consideration, whether the admission of 
 testimony to show the usage, and his assent to it, is not to admit parol evidence to 
 vary the terms of a written contract." 
 
 (v) Gilbert v. Dennis, 3 Met. 49.5. 
 
 (w) Saunderson v. Judge. 2 H. Bl. 509. 
 
 (r) Infra, p. 43.5. 
 
 (y) In the following cases such a demand was held insufBcient. Halle v. Howell, 
 Harper, 426 ; Gillespie v. Hannahan, 4 McCord, 503 ; Stuckert v. Anderson, 3 Whart. 
 116. In Duke of Norfolk v. Howard, 2 Show. 235, an action by the payee against the 
 maker of a note payable within three months after the plaintiff should demand the 
 Bamc, the plaintiff's attorney "delivered a demand in writing at the defendant's 
 hou.Mi to his maid, by whom he sent it up to the defendant, he being sick and not
 
 3712 NOTES AND BILLS. [CH. XI. 
 
 maker 'it his residence, stating that the note is due and unpaid, 
 and demanding payment, even if it add the place of the note, 
 would seem, on general principles, not to be a good demand, un- 
 less there were some usage justifying it. If the note were en- 
 closed in the letter, and an immediate return made of the note, 
 with an answer of refusal, this migiit hold the subsequent parties. 
 But if the payee returned the note, and made no answer, or even 
 retained it" and refused, we should doubt whether any notice to 
 subsequent parties could be predicated on such a refusal which 
 would be sufficient to hold them. 
 
 A demand on the maker in the street is not, in general, suffi- 
 cient ; but it may be doubted whether it will not suffice to bind 
 an indorser, unless objection be made to the place ; or at least 
 slight acts on the part of the maker would, we think, be con- 
 strued as a waiver of his right to object on that account. (2) It 
 has been held, that a demand on the maker by a sheriff serving a 
 writ upon him, is not a demand upon which notice to an indorser 
 can be founded ; (a) though it will certainly be sufficient if tho 
 sheriff have the note in one hand and tlie writ in the other, and 
 if, on refusal to pay the note, the sheriff immediately serve the 
 writ.(6) 
 
 to be spoken with ; the maid brought down word she had delivered it to her master. 
 Held, no good evidence to maintain the action, for the demand ought to be personal; 
 and delivery of a demand in writing to tlie servant at the house is no good demand." 
 Sed quaere. 
 
 (2) King V. Holmes, 1 1 I'enn. State, 456. Rogers, J. said : " The court correctly in- 
 structed the jury, that a demand in the street of an acceptor of a bill of exchange is not a 
 sufficient demand. That when a bill is payable generally, and not at a particular place, 
 the demand must be at the place of business of the acceptor. But if the notary, on hig 
 way to the place of business of the acceptor, meets him in the street, and informs him 
 of his business, and where he is going, and the acceptor offers, if he will go to his 
 place of business, to give him only a check on a broker, it is not necessary for tho 
 notiiry to proceed further. Tho demand at the place of business is waived by tho 
 payor or acceptor. It is, in effect, a refusal to pay, for an offer to pay by a check on a 
 broker, in legal contemplation, is nothing; it is not such a tender as the notary would 
 be justified in acceptin^r. In this case the acceptor had no cause of complaint ; for the 
 notary offer(;d to receive n check on one of the banks in payment of the bill." See Fall 
 Kivcr Union Bank v. VVillard, 5 Met. 216, cited supra, page .348, note (j. 
 
 {ri) Branch Bank v. Oaffney, 9 Ala. ir)."?. It does not appear in the case whethei 
 the officer had the note witii him or not, but the reason stated by Collier, C. J. is : " Tho 
 w'it or summons by wliich a suit is commenced docs not invest the officer to whom it 
 18 addressed with authority to receive the money. It is not, in form, a request to pay 
 it, nor does it suppose that the defendant therein will pay it, otherwise than by legal 
 coercion." If the reason was that the sheriff did not liavi; the tiote with him, the case 
 is sound ; otherwise, it would seem that the decision couhl not be sustained. 
 
 {It) Scavcr w. Lincoln, 21 I'ick. 267. Sec the cases cited supra, p. 359, note e
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 373 
 
 SECTION V. 
 
 AT WHAT TIME DEMAND SHOULD BE MADE. 
 
 As to the time when demand should be made, the rule is, that, 
 in order to charge a drawer or indorser, it must be made on the 
 day of the maturity of the note or bill.(c) If made before, (d) or 
 
 (c) " The general rule is, that it must be presented on the very day on which, by 
 law, it becomes due ; and that, unless the presentment be so made, it is a fatal objec- 
 tion to any right of recovery against the indorser. But although this is the general 
 rule, it is not a universal one, and prevails only under the qualification, which is really a 
 part of the rule itself, that there is no negligence or want of reasonable diligence in 
 not making such presentment. The whole rule, therefore, more properly stated, is, that 
 presentment must be on the day on which the bill becomes due, unless it is not in the 
 power of the holder, by the use of rcii^onable diligence, so to present it." Stoirs, J., 
 Windham Bank v. Norton, 22 Conn. 213. "A demand upon the maker of a note, in 
 order to charge an indorser, must not only be made, but it must be satisfactorily proved 
 to have been made, on the day when the note falls due, provided there be no circum- 
 stances dispensing with the necessity of such demand The witness relied upon 
 
 to prove the time of the demand, is unable to state it. The writing which he signed, 
 without date, affords him no aid by whicii he could be enabled to fix the time." Whit- 
 man, C. J., Robinson ». Blen, 20 Maine, 109. In this case a declaration by the holder 
 to the indorser, that he had called on the maker the day the note became due, and that 
 the maker refused, and the fact that the indorser did not deny it, were relied on as evi- 
 dence to prove a demand at maturity. But the last facts were held to be no evidence, 
 and the demand not satisfactorily proved. 
 
 (</) Brown v. Harraden, 4 T. R. 148; Wiffen v. Roberts, 1 Esp. 261 ; Henry v. 
 Jones, 8 Mass. 453 ; Leavitt v. Simes, 3 N. H. 14 ; Howe v. Bradley, 19 Maine, 31 ; 
 Jackson c. Newton, 8 Watts, 401 ; Farmers' Bank v. Duvall, 7 Gill & J. 78 ; Edgar v. 
 Greer, 8 Clarke, la. 394. In Griffin v. Goff, 12 Johns. 423, Spencer, J. said : " In the 
 present case the demand of payment, being made at the house of the drawer before the 
 note was payable, is as no demand ; it was a perfectly nugatory act ; payment might 
 have been demanded with as much propriety on the day the note was given." One of 
 the chief objections which have been urged against the usage spoken of above, as ex- 
 isting in Massachusetts with reference to demand, has been, that the notice is sent out 
 prior to maturity. But the demand is not considered as made at the time when the 
 notice is given. See the remarks of Shaio, C. J., cited supra, p. 369, note q, and the 
 same eminent judge, speaking of this usage, says, in Mechanics' Bank ». Merchants' 
 Bank, 6 Met. 13 : " Undoubtedly parties to negotiable notes may waive demand and 
 notice, and, as a modification of that power, may agree to qualified modes of demand 
 and notice ; and a compliance on the part of the holders with such qualified modes will 
 be sufficient to bind the indorsers. But we are not aware of a case in w'liich, under such 
 ftgreement, express or tacit, in regard to the mode of presentment, demand, and notice, 
 tlie time of payment can be accelerated, or, where any notice to indorsers is required, 
 that such notice can be given before the actual dishonor of the note. Any agreement 
 ■vliich wou!d accelerate the time of legal payment would be a change of the contract, 
 and must lie iniide in such form and on .such consideration as would be sufficient to 
 constitute a substantive contract." 
 
 Vol. I. 32
 
 374 NOTES AND BILLS. [CH. XI. 
 
 after,(c) it is insufficient for that purpose, except where the demand 
 is made subsequent to that time, under circumstances which the law 
 recognizes as a valid excuse for a delay in making the demand. (/) 
 
 If the bill or note be payable at a particular place, demand may 
 be made there at any time during business hours of the day when 
 it is payable, and the indorser is liable on notice, although funds 
 are placed there for payment of the note later in the same day and 
 within business hours. The maker has the whole day for pay- 
 ment ;(j(y") but after demand and refusal, he must seek the holder 
 to make payment to him.(y^) 
 
 The liability of the maker or acceptor is unaffected by the ques- 
 tion whether the demand was made after the day of maturity or 
 not. A demand before the note or bill falls due is unavailing,((/) 
 but a demand on either of them at any time subsequent to that date, 
 provided it be within the period recognized by the Statute of Lim- 
 itations, is sufficient. (/i) 
 
 If a note is payable by instalments, there should be a demand of 
 each instalment when it falls due.(/) But neglect of demand or no- 
 tice on any one instalment would, as we think, discharge the indorser 
 for that instalment, and only for that. If a note is payable by instal- 
 ments, with the condition that, in default of payment of any one, the 
 whole amount of the note shall become due, it would seem that, in 
 order to hold the indorser for the amount of the bill un])aid, demand 
 should be made for that amount, on default of payment of any one 
 instalment ; and it might be held, perhaps, that a neglect to demand 
 any instalment would discharge an indorser, both for that and all 
 subse(]uent ones;(y ) we should have, however, some doubt as to this. 
 If a note or bill is payable on demand, it is always- mature, and 
 may at any time be demanded. As between the maker and the 
 holder, so far as maintaining an action on the note is concerned, 
 
 (c) Nicliolson v. Gouthit, 2 H. Bl. 609; Woodbridge v. Brigham, 12 Mass. 403; 
 riatt V. Eads, 1 Bhickf. 81 ; Fulton Co. v. Wright, 12 La. 386; Grant v. Long, id. 402; 
 Mc.Miircliey v. HoMiisim, 10 (Jliio, 4'J6 ; Kldridge v. Rogers, Minor, 3'J2. 
 
 {/ ) As to what is a sufKcient excuse, see infra, pp. 442-465. 
 
 (Jf) In Kstes w. 'J'ower, 102 Mass. 65, an attachment of r(!al estate was made on the 
 last day of grace, at a (piarter past six o'clock, alter sunset, without previous demand 
 and refusal; and the action was held to he premature. 
 
 iff/) Ktheridge v. Ladd, 44 Barh. 312. 
 
 (g) -Supra, p. 373, note (/. 
 
 (/t) Anderson v. (Mcvchmd, cited 13 East, 430, note r. 
 
 (i) In Orldge v. Sherlioi nc, 11 M. Ik, W. 374, the del'endnnt, an indorser of a note 
 j)a_val»le in seven instalments, in an action against him for the fourth instalment, ob- 
 jected that the presentnicnt lo tlie maker had been three days too late, grace having 
 lK;en allowed. It was lield that such a note was within tlie Stat. 3 & 4 Anne, c. 9, and 
 that th(' |iresentnient was in time ; conseiinentiv the indorscir was heltl. The implication 
 from this case is. that, if |ircsentment had been njade either before or after that instal- 
 ment fell due, th<! indoiser would havi' been discharged. It will be seen hereafter, that 
 iiHMimpsit will lie by an indorsee for each iuNtalment as it fails due, while debt will 
 not. 
 
 U) See Carlon v. Kcncaly, 12 M. & W. 139.
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. S7.^ 
 
 no other demand than servmg the writ is necessary ; (A;) nor 
 need any demand be averred in the declaration ; (/) nor. if it be 
 averred, need it be proved. (m) Bnt if the note is payable on 
 demand, it may be necessary i'or tlie holder, if he wishes to charge 
 the maker with interest from any date prior to that of the writ, to 
 prove a demand at that date.(?i) So far as the Statute of Limi- 
 tations is concerned, the cause of action is considered to have 
 accrued at the time of the date of a bill or note on demand, and 
 the statute commences to run from that time.(o) 
 
 The question as to tiie time witliin which a note or bill on de- 
 mand must be presented, in order to affect other parties by its 
 dishonor, depends upon the time when it is to be considered as 
 overdue. Hence arise two classes of cases with reference to this 
 point. One, where the note or bill is overdue wlien payment 
 is demanded, and therefore the indorser or drawer is discharged. 
 In this case, in order to determine the question as to the liability 
 of an indorser or a drawer, an examination is necessary into the 
 fact whether presentment is made at a time when the note or bill 
 became mature, or subsequent to that time.(/') 
 
 The other class of cases relates to the question whether, at the 
 time when the note is transferred to a third party by indorsement 
 or otherwise, such a time has not elapsed from the date of the 
 
 (k) Rumball v. Ball, 10 Mod. 38; Barnham v. Allen, 1 Gray, 496. "As it respects 
 the promisor himself, he is answerable immediately to the promisee or indorsee ; and ho 
 may be sued the instant he has given his signature, even without a previous demand." 
 Parker, C. J, Field v. Nickerson, 13 Mass. 131 ; Dougerty " Western Bank, 13 Ga. 
 287 ; Woodward v. Drennan, 3 Brev. 189 : Gammer v. Harrison, 2 McCord, 246. 
 
 (/) Rumball v. Ball, 10 Mod. 38. "An action of debt upon a note to this effect : ' ] 
 acknowledge myself indebted, &c., which I promise to pay upon demand.' It was moved, 
 in arrest of judgment, that, though upon a note acknowledging a debt it was not ne- 
 cessary to allege a demand, yet, where it is part of the agreement, there a demand is 
 necessary. But the court was of another opinion, for it is a debt in presenti, and the 
 words ' promise to pay ' import no more than that I am ready to pay the money at any 
 time, and shall not restrain or qualify the other words, this being no debt arising upon 
 the performance of a certain condition., but a debt plainly precedent to the demand. 
 Besides, supposing a demand necessary, the action itself, perhaps, is a demand." 
 
 (m) Burnham v. Allen, 1 Gray, 496. 
 
 (n) Burnham v. Allen, 1 Gray, 496, 499. See infra, chapter on Interest. 
 
 (o) Norton v. Ellam, 2 M. & W. 461 ; Woodward v. Drennan, 3 Brev. 189; Gam- 
 mer V. Harrison, 2 McCord, 246 ; Smith v. Bythewood, Rice, 245 ; Ruff w. Bull, 7 Har- 
 •sis & J. 14. Irifra, Vol. II. p. 642. 
 
 {jj) Field V. Nickerson, 13 Mass. 131, Parker, C. J. ; and cases infra.
 
 376 NOTES AND BILLS. [CH. XL 
 
 note that it must be considered as overdue, and consequently the 
 maker is entitled to equitable defences, of which he would be de- 
 prived had it not been transferred before it was due.(^) 
 
 The law with regard to reasonableness of time would appear 
 to be the same in both classes of cases, and is so held in the 
 United States ; (r) at least, we are not aware of a case in this 
 country where a distinction has been taken in that respect. But 
 it has been held in England, that a note on demand is not to be 
 considered as overdue so as to let in these equities by the mere 
 lapse of time.(s) 
 
 (q) See supra, p. 264, note y. 
 
 (r) In Field v. Niekerson, 1.3 Mass. 131, the two classes were placed on the same 
 rooting by Parker, C. J. So in Sice v. Cunningham, 1 Co wen, 397. 
 
 (s) There was an early case, Banks v. Colwell, cited 3 T. R. 81, where Buller, J. 
 allowed the defendant to prove that the note was indorsedto the plaintiflF a year and a 
 half after date, and also to impeach the consideration ; and the plaintiff" was nonsuited. 
 But in Barough ». White, 4 B. & C. 325, where the question was with regard to the admis- 
 sion of evidence tending to sustain a want of consideration, the note was payable with 
 interest, and the length of time that had elapsed docs not appear. Bayly, J., referring 
 to the case of Banks v. Colwell, said : " We are not, however, acquainted with all the 
 circumstances of that case ; payment might have been demanded before the indorse- 
 ment, and indeed it is stated that several payments had been made on account." Bnt 
 these criticisms are hardly just. The case was clearly stated in the argument ; was ap- 
 proved by Ashhurst, J., without any objection as to the fact that the note was not overdue ; 
 and as Buller, J. was himself on the bench at the time it was cited, he would surely have 
 corrected it had it been misstated, and the case, having been decided only about nine 
 months before, must have been fresh in his recollection. It will be seen also that 
 Brown v. Davies, 3 T. R. 80, appears to have been decided on the authority of Banks 
 V. Colwell. As to the fact " that payment might have been demanded before the in- 
 dorsement," that would have been immaterial had the note not been overdue, because 
 it is stated that " no privity was brought home to the plaintiff" ; as it is clear that a 
 note indorsed over by the payee, after an insufficient demand, but before maturity, to 
 a third party without knowledge of the ftict, is a valid note in the hands of the latter. 
 The same will apply to the fact, " that several payments had been made on ac- 
 count." Bfiyley, J. laid some stress on the fact, tiiat the note was payable with hi- 
 terest. Ilolroyd and Litllcdale, JJ. said nothing about this in the report in 4 B. & C. 
 32.5, but mention it in 6 Dow. & R. 379. In Brooks v. Mitchell, 9 M & W. 15, the 
 note, payable with interest, was dated Dec. 24, 1824, indorsed first in March 12, 1836, 
 and again to tlic defendant on Jan. 16, 1838. This was an action of trover by the 
 assignees of the first indorser, who contended, inasmuch as the note was overdue at the 
 time of tlie first indorsement, that they could prove that the indorser had no right to 
 transfer it. No interest had been jinid or demanded for four years. But Parle, B. 
 said: " I caimot assent to the arguments urged on behalf of the plaintifts. If a pro- 
 missory note, j)ayal)le on demand, is, aft(!r a certain time, to l)e treated as overdue, 
 although payment has not ijeeii dcnianilcd, it is no longer a negotial)ie instrument. 
 But a promissory note payable on dennind is intended to be a continuing security." 
 There do not apjxar to hav<! becMi any decisions in England with reference to tlio first 
 class of cases. A (juestion lias arisen with reference to drafts on a banker md <jyld-
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 377 
 
 The rule on this point would also seem to be the same as that 
 with reference to presentment for acceptance of bills payable after 
 sight,(^) which we have already considered. (m) This rule is, that 
 presentment must be made within a reasonable time after the in- 
 dorsement in the case of bills, and after making in ihe case of 
 notes, and that what constitutes such reasonableness of time can- 
 not be determined by any fixed and exact rules, but must depend 
 upon the particular circumstances of each csise.{v) In all these 
 cases, whether the question is one for the court or the jury to de- 
 termine is perhaps unsettled ;(i<;) the prevailing doctrine being, 
 
 smith's notes, where they have been taken in payment, and the drawer has failed while 
 the payee had them in his possession. This will be treated subsequently- See infra. 
 chapters on Payment and Cliecks. Chitty, p. 252, 10th ed., London, says that they 
 " must be presented within a reasonable time after they have been received " ; and again, 
 p. 261 : " Instruments which are expressed to be payable on demand, as in the case of 
 bankers' notes and checks, are payable instantly on presentment, and such instruments 
 must be presented for payment within a reasonable time after the receipt of them, usu- 
 ally the next day." Byles, p. 123, says: "Bills and notes payable on demand, and 
 checks, must be presented within a reasonable time " ; — and on p. 164 : " It is con- 
 ceived that a common bill of exchange ought, if the parties live in the same place, to be 
 presented the next day after the payee has received it.'' This is hardly consistent with 
 the remarks of the judges in the cases cited supra, who almost all speak of a note on de- 
 mand as intended to be "a continuing security." No cases are cited in support of the 
 proposition, and those from which the opinion seems to have been formed are the cases 
 of checks and banker's notes, where the drawer has failed, and the question has been, 
 whether a party who received them in payment, or the party giving them as payment, 
 should bear the loss ; which is obviously a different question. 
 
 (0 See Field v. Nickerson, 13 Mass. 131 ; Thurston v. M'Kown, 6 id. 428 ; Aymar 
 t;. Beers, 7 Cowen, 705 ; Brenzer v W^ightman, 7 Watts & S. 264. 
 
 (a) Supra, p. 338, note c. 
 
 (i?) Field V. Nickerson, 13 Mass. 131 ; Sylvester v. Crapo, 15 Pick. 92 ; Ranger v. 
 Cary, 1 Met. 369 ; Losee v. Dunkin, 7 Johns. 70; Vreeland v. Hyde, 2 Hall, 429 ; Bank 
 of Utica V. Smedes, 3 Cowen, 662; Castle v. Candee, 16 Conn. 223; Lockwood v. 
 Crawford, 18 id 361 ; Emerson v. Crocker, 5 N. H. 159 ; Carlton v. Bailey, 7 Foster, 
 230; Cromwell v. Arrott, 1 S. & R. 180; M'Kinney ?; Crawford, 8 id. 351 ; Bren- 
 zer V. Wightman, 7 Watts & S. 264 ; Martin v. Winslow, 2 Mason, 241. In Seaver v. 
 Lincoln, 21 Pick. 267, Shaw, C. J. said : " One of the most difficult questions presented 
 for the decision of a court of law is, what shall be deemed a reasonable time within 
 which to demand payment of the maker of a note payable on demand, in order to 
 charge the indorser. It depends upon so many circumstances to determine what is rea- 
 sonable time in a particular case, that one decision goes but little way in establishing 
 a precedent for another." 
 
 {w) In Field v. Nickerson, 13 Mass. 131, the question seems to have been decided 
 by the jury. Parker, C. J. : " Was this demand made in a reasonable time ? The 
 jury have said, No ; and they were perfectly justified in returning that answer." In 
 Manwaring v. Harrison, 1 Stra. 507, the case arose on a goldsmith's note, whether a 
 payor or a payee should bear the loss. Pratt, C. J. "told the jury that giving the note 
 32*
 
 378 NOTES AND BILLS. [CH. XI. 
 
 that, where there is no dispute about the facts, the court will 
 decide it;(.r) and where the facts are not agreed upon, it is a 
 mixed question of law and fact, and the court will instruct the 
 
 is not immediate payment, unless the receiver does something to make it so, by neglect- 
 ing to receive it in a reasonable time He left it to them whether there had been 
 
 any neglect, and observed that the note was payable to the defendant, who had kept 
 it eleven days, and probably would not have demanded it sooner than the plaintift'did, 
 it appearing the goldsmiths were in full credit all the while. The jury desired they 
 might find it specially, and leave it to the court whether there was a reasonable time, 
 but the Chief Justice told them they were judges of that ; whereupon they found for 
 the defendant; and declared it as tlieir opinion, that a person who did not demand a 
 goldsmith's note in two days took the credit on himself" In Hankey v. Trotman, 1 
 W. Bl. 1, a case on a check, the question was left to the jury. In Lancaster Bank v. 
 Woodward, 18 Penn. State, 357, 362, a check case, Woodward, J. said that, as to what 
 is reasonable time, " Other authorities treat it as a question of fact, and this is perhaps 
 the better opinion as to ordinary cases ; but the delay in this case was so great, and 
 the conduct of the bank was so grossly negligent entirely, that we think the learned 
 judge was right in j^iving the jury the instructions he did." In Jerome v. Stebbins, 14 
 Cal. 457, a delay of thirteen months discharged the indorser. It was held in New York, 
 by a divided court, in a case where a note on demand, but bearing interest, was held 
 almost four years, that such a note is a continuing security, and no delay suffices, of 
 itself, to discharge the indorser. Merritt v. Todd, 23 N. Y. 28. 
 
 In Gray v. Bell, 2 Rich. 67, 3 id. 71, reasonable time in making a demand of a noto 
 indorsed when overdue was held always to be a question of fact for a jury. See also 
 Chadwick v. Jeffers, 1 id. 397 ; Brock v. Tliompson, 1 Bailey, 322 ; Benton v. Gibson, 
 
 1 Hill, S. Car. 56 ; Eccles v. Ballard, 2 McCord, 388 ; Hall v. Smith, 1 Bay, 330 ; 
 Branch Bank v. Gatfney, 9 Ala. 153. In Sice v. Cunningham, 1 Cowen, 397, it seems 
 to have been treated as a matter of law. The judge told the jury, that " he had no doubt 
 that five months and a iialf, the time given on this note, was an unreasonable length of 
 time," but he told them to consider this in connection with the other facts in the case, 
 &c. The charge was iield incorrect. In Hanger v. Cary, 1 Met 369, the judge charged 
 the jury, that unless tiic note had been transferred at least one month from date, it could 
 not be considered as overdue. Held correct. In Sylvester v. Crapo, 15 Pick. 92, 
 Shaw, C. J. said : " What is reasonable time is . a question of law upon the facts 
 proved." Bylcs (p. 163) says, it " seems to be a question of law." The cases cited 
 were decided with respect to reasonableness of time in giving notice, but it is con- 
 ceived that there may well be a difference in the law between the two classes of 
 cases. Sec infra. The cases of Medcalf v. Hall, 3 Doug. 113, and A])plcton v. 
 Sweetappic, id. 137, arose on the question whetiier the payee made a banker's noto 
 received in ()ayment his own, by not presenting in sufficient time. The payee did not 
 present it till after banking hours on tlie same day he received it. Buller, J. thought 
 there siiouid be sotne general rule in suc'h cases, and it should be that presentment was 
 sufficient if made tiie next day. Lord Mdns field thought " the next day should 1)C tlie rule 
 if it stood ch;ar of any usage, but he thought tliat clear usage might vary the rule." In 
 these cases there appears to have been ii struggle between the court and the jury. The 
 jury found for the defendant five times, and on a motion for a sixth trial, the plaintiff 
 was refused, on the ground tliat he ought to luive ol)jectcd to the introduction of evi- 
 dence ns to a ustige to present the same day. Chitty, Bills, p. 262, 10th cd,, London, 
 says it is now siitticd to be, in gcinerai, a ([uestion of law. Hut the ca.scs cited are 
 mostly on the (|uestion of notice, and the oth(!rs do not support the proposition. See 
 iu/irii, cliap. 8, p. 268, not(! h. 
 
 (r) Sii/ira, p. 269, nott- i'. Kurman v. Ilaskin, 2 Caincs, 369 ; Vrceland v. Hyde, 
 
 2 Hall, 429 ; Kiting v. Hrinkerhoff. id. 459.
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 379 
 
 jury as the circumstances of each case require, and tlie jury will 
 determine the whole question. (//) 
 
 One of the circumstances which have been considered as hav- 
 ing an important bearing upon this question is, the fact that the 
 note is payable with interest ; the reason being, that neither the 
 parties to it nor the indorser contemplated an immediate demand, 
 but all looked to the real time of payment as intended to be 
 future, and to tlie indorsement as a continuing guaranty. (2) 
 
 Wiiether evidence is admissible of an agreement or understand- 
 ing between all the parties that the note should not be demanded 
 till some future day, has been somewhat considered. In some 
 cases it has been doubted whether such evidence is admissible, 
 on the ground that it would be allowing parol evidence to vary 
 the written contract. (a) In another case, it was considered as 
 material in determining the question of reasonable time, and not 
 as controlling the terms or tenor of the note. (6) It is neces- 
 sary for the indorser or maker to be a party to the agreement, if 
 it is to be considered as admissible. (c) 
 
 (y) Supra, p. 269, notej. 
 
 (z) Church, C. J., Lockwood v. Crawford, 18 Conn. 361. In Wethey v. Andrews, 
 3 Hill, .582, Cowen, J. said : " If it (the note) had not been on interest, not being a bank- 
 note, I should have thought it right to presume that it had been demanded, and pay- 
 ment refused (perhaps even within a week). I would presume it on the unwillingness 
 which every prudent man feels to have his money lie idle ; and would presume that 
 the holder had seen or sent to the maker immediately, and pressed him for payment. 
 But I think that directly the contrary is to be presumed with regard to this note, which 
 bore interest. No one would understand the parties to intend that these words meant 
 interest for a few weeks only; nor would the payee or purchaser of a note ordinarily 
 desire to take it on the terms of a payment so soon. It would be contrary to the general 
 course of business to demand payment short of some proper point for computing inter- 
 est, such as a quarter, half a year, year, &c." But in Sice v. Cunningham, 1 Cowen, 397, 
 it was held that the fact that the note was payable with interest did not take it out of the 
 ordinary rule, and the same opinion is expressed in Perry v. Green, 4 Harrison, 61, 64. 
 Some importance is given to this fact by Bayley, J., in Barough v. White, 4 B. & C. 
 32.5, but Ilolro/cl and Littledale, JJ. do not mention it. They do, however, speak of it 
 in the same case as reported in 6 Dow. & R. 379. Parke, B., in his opinion in Brooks 
 J.'. Mitchell, 9 M. & W. 15, does not advert to it. 
 
 (n) Sice v. Cunningham, 1 Cowen, 397 ; Perry v. Green, 4 Harrison, 61. 
 
 {h) Lockwood v. Crawford, 18 Conn. 361. See Brock v. Thompson, 1 Bailey, 322. 
 In Field v. Nickerson, 13 Mass. 131. the point was touched upon, but not decided. 
 
 (c) Perry » Green, 4 Harrison, 61. See Martin v. Winslow, 2 Mason, 241. In 
 Lord V. Chadoourne, 8 Greenl. 198, it was doubted whether the fact that the indorser 
 requested the indorsee not to call upon the maker " at present " would excuse a delay 
 of six months. ^'
 
 380 NOTES AND BILLS. [CH. XI. 
 
 The authorities are not uniform as to the effect of notes which 
 are given as a security for a loan, or as accommodation paper ; 
 the better opinion being, that such notes should be placed on the 
 same footing as others. (6?) The distance at which the parties 
 reside from each other has some effect on this question as to what 
 is reasonable time, a shorter period being allowed when the par- 
 ties live in immediate proximity. (e) 
 
 Where there are several payments indorsed on the note, the 
 time of the last payment is said to be that from which the reason- 
 able time is reckoned. (/) 
 
 When the note is offered in evidence, duly indorsed, there be- 
 ing no date to the indorsement, the presumption is, that it was 
 indorsed before its maturity, and the burden is upon the party 
 seeking to invalidate the note on the ground of dishonor before 
 indorsement, to show that the transfer took place after a reasona- 
 ble time had elapsed. (^) But when it is once shown to have 
 been transferred to the holder at a time which would, in general, 
 
 (d) In Vreeland v. Hyde, 2 Hall, 429, the note was witnessed, and payable " without 
 default or defalcation." It was given for a loan, and no demand was made for twenty- 
 one months. The question was whether the indorser should be discharged. " The 
 rule requiring a presentment within a reasonable time wa? intended for, and is appli- 
 cable to, negotiable instruments made for commercial purposes only. It was not intended 
 for cases of suretyship, or notes of a like description, and the present one is evidently 
 excluded from the rule, by the peculiar circumstances attending it. Here the holder was 
 an old man, not connected with business, residing at some distance from the city. The 
 defendant knew tiiese circumstances, and cannot claim any peculiar indulgence from 
 a consiiicration of the facts. As each case is governed in some degree by the circum- 
 Btances attending it, in tliis there must be judgment for the plaintiff." But the better 
 doctrine is that laid down in Sice v. Cunningham, 1 Cowen, 397 ; Perry v. Green, 4 
 Harrison, 61, where it was held that the general rule api)lied to notes given for loans. 
 In the latter case it was also held that an indorsement for the maker's accommodation 
 was to be considered as any other indorsement. " It makes no difference in the case, 
 tliat the indorsement was in lieu of a former security between the same parties, or was 
 for the acconuTiodation of the maker, unless the indorser assented to the delay." Story, 
 J., Martin v. Winskjw, 2 Mason, 241. 
 
 ((?) Tilijlunan, C. J., Cromwell v. Arrott, 1 S. & R. 180, 184. See M'Kinncy v. 
 Crawford, 8 id. .3.51 ; Nash v. Harrington, 2 Aikens, 9, 1 id. 39 ; Eccles ;;. Ballard, 2 
 McCord, 388 For tlic circumstances hearing on this question, as regards present- 
 ment for acceptance, see nupra. 
 
 if) Sanford v. Mickles, 4 Johns. 224 
 
 (y) Hanger v. Cary, 1 Met. 3ti!». Nor is the burden removed by proof that the note 
 was delivered to the holder Infore disiionor, but was not indorsed till afterward. Ibid. 
 In this case the indorsement was not writtcsn till two years after tiie transfer. The 
 judge charged tiie jury, that the title was vested iti the liohler at the time of delivery 
 and when the consideration whs paid, as regards letting in the equities. Held corre *.
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 381 
 
 be considered as beyond the period recognized as a reasonable 
 time, or where no demand has been made upon the maker for the 
 purpose of fixing the liability of an indorser witliin tliat period, 
 the burden is then shifted upon the holder, or the party seeking 
 to enforce a claim by means of the rule, to show such circum- 
 stances as will amount to a legal excuse for not presenting the 
 paper sooner. (A) 
 
 A note or bill in which no time of payment is mentioned is 
 equivalent to a note on demand, and it is held that no evidence is 
 admissible to affect the bill by proof of a different agreement, (t) 
 
 A note indorsed after maturity is equivalent to a note on 
 demand, so far at least as regards the necessity of presentment 
 to the maker in order to charge the indorser. (j) The demand 
 
 {h) Martin v. Winslow, 2 Mason, 241 ; Hendricks y. Judah, 1 Johns. 319 ; Emerson 
 V. Crocker, 5 N. H. 159. 
 
 (("J Finer v. Clary, 17 B. Men. 66.3 ; Thompson v. Ketcham, 8 Johns. 189; Herrick 
 V. Bennett, id. .374; C<irnell v. Moulton, .3 Denio, 12; Keyes «^. Fensterniaker, 24 Cal. 
 329. Bexuea^ J., Michigan Ins. Co. v. Leavenworth, .30 Vt. 11, 20; Whitlock v. Un- 
 dervvoud, 2 B. & C. 157, 3 Dow. and W. 356, placing such notes on the same footing 
 as those on demand, with reference to the stamp net ; Sheehy v. Mandeville, 7 Cranch, 
 208, where the declaration did not state when the note was payable, and the note, when 
 offered in evidence, proved to be payable at a definite time, — held a fatal variance ; 
 Bacon v. Page, 1 Conn. 404, where the declaration was held bad for not averring the 
 note to be payahl rn demand, although it concluded by averring " that the defendant 
 hath never performed the same, though often requested and demanded," &c. ; Green v. 
 Drebilbis, 1 Greene, la. 552, where it was held tliat the words "on demand" need not 
 be used in the declaration, and that words of similar import were sufficient. In Bank 
 of Utica V. Smedes, 3 Cowen, 662, the declaration alleged an undertaking Xiy the de- 
 fendants to charge the first indorser of notes payable on demand, and set forth the first 
 indorsement to the plaintiffs as having been made on a day certain, the indorsement 
 and delivery of the notes by the plaintiffs to the defendants about six months after, 
 and their undertaking at the latter time. Held sufficient, especially after verdict, 
 though the declaration did not aver that the demand of payment was made within a 
 reasonable time. Freeman v. Ross, 15 Ga. 252. 
 
 {j) In the following cases, where it was contended in argument that no presentment 
 was necessary, it was held that demand must be made. Berry v. Robinson, 9 Johns. 
 121 ; Leavitt v. Putnam, 1 Sandf. 199 ; Bishop v. Dexter, 2 Conn 419 ; Dwight v. Em- 
 erson, 2 N. H. 159 ; Bank of North America v. Barricre, 1 Yeates, 360; an early Penn- 
 sylvania case to the contrary must be considered as overruled by M'Kinney v. Craw- 
 ford, 8 S. & R. 351 ; PatterMiu v. Todd, 18 Penn. State, 426 ; Ecfert v. l)es Coudres, 
 3 Const. R. 69 ; Course v. Shacklefoid, 2 Nott & McC. 283 ; Alewood v. Ilaseldon, 2 
 Bailey, 457 ; Levy v. Drew, 14 Ark. 334; Poole v. Tolleson, 1 McCord, 199 ; Benton 
 V. Gibson, 1 Hill, S. Car. 56. But in Gray c. Bell, 3 Rich. 71, O'Neall, J. said: "I 
 am however prepared to go much further, and to hold that the indorser of a note ne- 
 gotiated after due, is to be regarded cither as a new maker, or as the drawer of a bill 
 on a man without funds ; in neither of which cases is a demand of payment or notice 
 M all necessary. But a majority of the court is not as yet prepared to go so far."
 
 382 NOTES AND BILLS. [CH. XL 
 
 mast be made within a reasonable time ; (k) and with regard to 
 what shall be considered reasonable time, it is laid down by some 
 authorities that the same strict rules are not to be applied as 
 are required where a note has still time to run.(/) But other 
 authorities seem to place the two classes of cases on the same 
 footing,(wi) and it is believed with better reason ; for the law on 
 
 (i) Sanborn v. Southard, 25 Maine, 409; Branch Bank v. Gaflfney, 9 Ala. 153; 
 Benton v. Gibson, 1 Hill, S. Car. 56 ; Van Hoesen v. Van Alstyne, 3 Wend. 75 ; 
 Bishop 0. Dexter, 2 Conn. 419. 
 
 (/) Dincan, J., M'Kinney v. Crawford, 8 S. & R. 351 ; Hall v. Smith, 1 Bay, 330 ; 
 Chadwick v. Jeffers, 1 Rich. 397 ; Gray v. Bell, 2 Rich. 67, 3 id. 71. In llvt'^eW v. 
 Davidson, 4 Const. R. 33, Gantt, J. said : " But when a note is indorsed after it is due, 
 the transaction assumes a different aspect. It is no Ioniser a case within the custom 
 and usage of trade; the expectation of punctuality of payment from the drawer has 
 vanished, and the holder, in ordinary transactions of this kind, looks rather to the per- 
 son with whom he has contracted than to the drawer, for indemnity." 
 
 (m) In Dehers v. Harriot, 1 Show. 163, all the merchants agreed " that a bill nego- 
 tiated after the day of payment was like a bill payable at sight." By a statute in Mas- 
 rachusetts, sixty days from the date of a note is declared to he the period of reasonable 
 time within which demand is to be made upon the promisor, in order to charge an 
 indorser ; and in Rice v. Wesson, 1 1 Met. 400, where the indorsement was made more 
 than sixty days from the date, the court expressed an opinion to the effect that the 
 same length of time was still to be considered as reasonable. They also decided that 
 the defendant was not liable, because the holder, having demanded payment earlier 
 than he was obliged to, neglected to give the indorser notice, although a subsequent 
 demand was made within a reasonable time, and notice of the last demand was duly 
 given. In Bishop y. Dexter, 2 Conn. 419, Gould and Hosmer, JJ expressly say that 
 there is no difference between the rules applicable to each class. So Collier, J., Kcnnon 
 i;. M'Rea. 7 Port. Ala. 175 ; Adams v. Torbert, 6 Ala. 865 ; Branch Bank v. Gaffney, 
 9 id. 153. See Kcfert v. Des Coudres,3 Const R. 69 ; Course v. Shackleford, 2 Nott& 
 McC. 283 ; Poole v. Tolleson, 1 McCord, 199, where Richarfhon, J said: " If it be 
 asked wlieii notice is to be given, I can only answer that, in my individual judgment, 
 immi'diat(! notice is as much required in such a case as in any other. Not only sim- 
 plicity and uniformity recjuire that the same rule should prevail, but there is the same 
 force of reason and necessity in the one case as the other, whether we argue from 
 the letter, the allowed import of the contract, or from the consequences which may 
 fdllow." These same reasons would appear to apply all the more strongly to pre- 
 sentment. 
 
 There are two early cases in Vermont, where nn opinion is expressed, that at least 
 as much strictness, if not more, is necessary in the ca.sc of an indorsement after matu- 
 rity as in any other. Thus, in Nasli v. Harrington, 2 Aikens, 9, a note on demand 
 was indor!>eil eight months from date, and was tn.ated as overdue. The liolder neg- 
 lected preKcniment till the seventh day after the indorsement to him, and it was held 
 that the indorser was discharged. Ilntddnson, J. said : " Under these circumstances, 
 the demand siiould liavo been made in a day or two at furtiiest." The same judge 
 said, in Aldis v. Jolmson, 1 Vt. 136, 140: " If the indorsement be made alter th« 
 note fulls du(!, the demand of payment must be made as if the note fell due the day of 
 the indor.si'ment."
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 383 
 
 the subject of reasonableness of time would seem to be of itself 
 sufficiently difficult, without burdening it with unnecessary dis- 
 tinctions and uncertainties, which can only serve to render it 
 more difficult and obscure. («) 
 
 A bill payable at or after sight must, as has been seen, be pre- 
 sented for acceptance within a reasonable time,(o) and also, if 
 accepted, at maturity for payment ; (p) and a note so payable 
 must likewise be presented for payment within such time, before 
 the maker's liability can accrue. (^) 
 
 (n) The tendency to create confusion by introducing distinctions on this jjoint may 
 well be illustrated by the decisions in South Carolina, which are almost as numerous 
 as those of all the other States together, and many of them cannot be reconciled one 
 with another. It has been held in that State, that the question of reasonableness of 
 time, in case of notes indorsed after maturity, is one which the jury are to decide ; Hall 
 p. Smith, 1 Bay, 330 ; Eccles v. Ballard, 2 McCord, 388 ; Benton v. Gibson, 1 Hill, S. 
 Car. 56 ; Brock v. Thompson, 1 Bailey, 322 ; Chadwick v. Jeffers, 1 Rich. 397 ; Gray 
 V. Bell, 2 id. 67, 3 id. 71. In Gray v. Bell, 2 Rich. 67, Butler, J. said, in speaking of 
 the diligence in respect to demand and notice where the note is indorsed after it is due : 
 " This diligence does not admit of such exact definition as always to be a question of 
 law, but must, as it would seem from our decisions, be left, under all the circumstances 
 of the case, to the decision of a jury. The kind of diligence that should be observed 
 and pursued by an indorsee, in respect to the collection of a note indorsed before 
 due, is well settled by certain and acknowledged rules, and is such as always to 
 make it a question of law for the court." It is difficult to see any good reason for 
 such a distinction as this. In Brock v. Thompson, 1 Bailey, 322, it was held that 
 parol evidence of a stipulation by the indorser, at the time of the transfer, that the 
 maker should be indulged as to time by the holder, is admissible to show the de- 
 gree of diligence to which the holder was bound. In this case the agreement was that 
 the maker should not be called on for one half the amount of the note till the next win- 
 ter, and for the other half till the spring following. A demand was made in Novem- 
 ber, a second during the winter, and a third on March 1st. No notice appears to have 
 been given, except of the last demand. Held sufficient evidence of due diligence to go 
 to a jury, and a verdict for the plaintiffs was sustained. In Benton v. Gibson, 1 Hill, 
 S. Car. 5& ; Chadwick v Jeffers, 1 Rich. 397 ; Gray v. Bell, 3 id. 71, 2 id. 67, it was 
 held that service of a writ on the maker was sufficient, if known to the indorser at the 
 beginning of the suit or immediately after ; and in Gray v. Bell, 3 Rich. 71, 2 id. 67, 
 where tho maker and indorser were sued by separate writs served simultaneously, it 
 was held that the mere fact that the suits were commenced at the same time was suffi- 
 cient to carry with it a presumption of knowledge on the part of the indorser, and to 
 justify a verdict of the jury in fiivor of the holder. In Chadwick v. Jeffers, 1 Rich. 
 397, Frost, J. said that the duty of the holder in respect to demand and notice " is lim- 
 ited to the use of such diligence, according to the circumstances of the case, that the in- 
 dorser suffer no injury through his remissness or neglect." And finally, as has already 
 been stated, in Gray v. Bell, 3 Rich. 71, supra, p. 381, note j, O'Neall, J. said, that 
 in his opinion no presentment at all to the maker was necessary. 
 
 (o) Supra, p. 338, note c. 
 
 (p) See supra, p. 375. 
 
 (g) See supra, d. 376.
 
 384 NOTES AND BILLS. [CH. XI. 
 
 A note "on demand at sight" is the same as if payable at 
 sight, (r) 
 
 If a note or bill be payable on time, whether that time begins 
 to run from the date, or from siglit or demand, the question 
 sometimes arises as to how the time is to be compiited. The 
 word " month " means in the law merchant a calendar month, 
 and has always been so interpreted in relation to notes and 
 bills, (s) 
 
 A note or bill is usually payable at a certain number of days 
 "after" sight, demand, or date, and this word certainly excludes 
 the day of the presentment ; (t) or, in the case of a bill presented 
 on one day, but accepted on another, the day of acceptance, (m) 
 
 (r) Dixon v. Nuttall, 1 Cromp. M. & R. 307. 
 
 (s) Loffingwell v. White, 1 Johns. Cas. 99 ; Thomas v. Shoemaker, 6 Watts & S. 
 179 ; Wagner v. Kenner, 2 Rob. La. 120 ; McMurchey v. Robinson, 10 Ohio, 496. Seo 
 Cockell V. Gray, 3 Brod. & B. 186 ; Jolly v. Young, 1 Esp. 186. 
 
 (t) In Coleman v. Sayer, 1 Barnard. 303, an action against the indorser of a bill 
 payable at six days after sight, "the Chief Justice said that the day of sight is to be 
 taken exclusive, for the law will not allow of fractions in a day." In Bellasis v. Hes- 
 ter, 1 Ld. Raym. 280, the plaintiff declared upon a bill payable at ten days after sight, 
 seen and accepted May .'jth. The teste was dated May 15th. The defendant prayed 
 that the writ might abate, and the plaintiff demurred. The defendant contended that 
 the day should be excluded, " because it is always so understood among merchants." 
 The court were of opinion that the custom should have been pleaded specially. Pow- 
 ell and Nevill, JJ. decided that the day should be included, but Treby, C. J. held that if 
 should be excluded. " 1. Because the bill may be seen the last minute of the day, and 
 that may be intended as reasonable as that it was seen the first minute ; 2. the party 
 may have the whole day to view the bill, and that is allowed him by the law ; 
 3. because the contrary construction seems absurd ; for then, if a bill be payable 
 one day after sight, it must be paid the same day that it is seen, which is not the 
 day after the sight, aa the bill requires." In Lester v. Garland, 15 Vcs. 248, Sir Wm. 
 Grant, M. li. said ; " It is now settled that the day upon which a bill is ])rcsented is 
 to be excluded, though it had been ruled otherwise by three judges of the Court of 
 Common Picas against the opinion of Trchij, C. J." See Blanchavd v. Hilliard, 11 
 Mass. 85, where it is said that the usage of banks in Massachusetts had formerly been 
 to include the day of date ; Woodbridge v. Brigham, 12 id. 403, 13 id. 556 ; Presbrey 
 z. Williams, 15 id. 193, by Jnckxon, J., who said, " because otherwise a note payable in 
 one day would be the same as a note ])ayablc on demand." 
 
 (ii) Mitchell V. DeGrand, 1 Mason, 176, Sinn/, J.: '• A bill payable in so many days 
 after sight, means after so many days' legal sight. Now it is- not merely the fact of 
 having seen the bill, or known of its existence, that constitutes a presentment to the 
 drawee in legal contemplation. It must bo presented to him for acceptance, and the 
 time or the bill begins to run, not from the mere presentment, but from the pre- 
 sentment and acceptance." "The doctrine of relation cannot apply to '•rsc of 
 this nature."
 
 CH. XI.] AT WHAT TDIE DEMAND SHOULD BE HADE. 385 
 
 demand, or date,(y) and includes the day on which the note is 
 mature. (?^;) 
 
 If it be payable at siglit,(a;) or after any particular event, the 
 rule is the same. Tlie same construction is put upon the words 
 "in,"(?/) "from,"(5r) "from date," and "from the day of the 
 date," and they are held to be synonymous. (a) 
 
 A question has arisen with reference to notes payable on de- 
 mand, as to whether the Statute of Limitations is to be construed 
 as excluding the date, or including it, and the authorities on this 
 point are conflicting. (6) 
 
 {v) Fisher v. State Bank, 7 Blsickf. 610; Taylor r. Jacoby, 2 Penn. State, 495; 
 Barlow v. Planters' Bank, 7 How. Miss. 129; Henry ». Jones, 8 Mass. 4.53 ; Homes 
 V. Smyth, 16 Maine, 181 ; Ammidown v. Woodman, 31 id. .580; Avery v. Stewart, 2 
 Conn. 69, where the note was not negotiable. 
 
 {w) Ripley v. Greenleaf, 2 Vt. 129, 132. It is, in fact, always so computed. Thus 
 in May v. Cooper, Fortes. 376, the defendant pleaded a tender on Aug. 1st of a nolo 
 dated July 21st, payable in ten days, and it was held to be a day too late. In Cram- 
 lington V. Evans, 2 Vent. 307, a bill drawn Nov. 10th, at twenty-five days from date, 
 was presented Dec. 5, and it was alleged for en'or that " there were, as appears by the 
 bill of exchange, twenty-five days given for the payment of it after the date of the bill; 
 whereas here the request and refusal is upon the twenty-fifth day after the date. SkI von 
 alloratttr, for, as the bill is set forth, it is to pay the money ad viginti et quiiique dies post 
 datum, and this can't be if not paid at the five-and-twentieth day." In Hartford Bank 
 V. Barry, 1 7 Mass. 94, where a note dated May 20th, at four months with grace, was 
 demanded Sept. 23d, a point reserved at the trial at Nisi Prius, that the demand was 
 a day too early, was abandoned by the counsel for the defendant. 
 
 (r) This would seem to depend upon the question whether days of grace are al- 
 lowed on bills at sight. If they are, the date would be excluded ; otherwise the bill 
 would become, it is conceived, payable immediately. See this subject treated of infra, 
 pp. 404-406. 
 
 {//) Henry v. Jones, 8 Mass. 453, where the court said : " In the case at bar, the note 
 was made payable in sixty days, without adding, as is customary, from the date. But the 
 intention is apparent, and the court will supply the omission. The meaning must be 
 the same as in si.xty days from the date, otherwise a note payable in one day would be 
 payable immediately, which would be an absurdity." Leavitt v. Simes, 3 N. H. 14 ; 
 Blake v. Crowninshield, 9 id. 304. See the remarks of Howard, J., cited infra, note z. 
 The date was excluded in case of a note payable m nine months without grace, in Hill 
 V. Norvell, 3 JIcLean, 583. 
 
 [z] Henry t?. Jones, 8 Mass. 453; Avery y. Stewart, 2 Conn. 69. In Ammidown 
 V. Woodman, 31 Maine, 580, Howard, J. said : '' If there be several notes of the same 
 date, some payable in six months, some in six months from date, and some in six 
 months after date, they all have the same pay-day. In all of them the day of the date 
 is excluded." 
 
 (a) Henry v. Jones, 8 Mass. 453. " Where a note is payable in a certain number of 
 iays from the date, or from the day of the date, the day of the date is to be excluded." 
 So Gibson, C. J., Taylor y. Jacoby, 2 Pcnn. State, 495. 
 
 (6) In Presbrev v. Williams, 15 Mass 193, the note was dated Feb. 16th, ISIO. On 
 
 Vol. I.— Z
 
 386 NOTES AND BILLS. [CH. XI 
 
 If a note or bill has no date, or a void or impossible one, the 
 time must be computed from the day on which it was delivered 
 or issued ; (c) because there would seem to be " no other certain 
 indicium of the time of its taking effect."(G?) Where no date or 
 delivery is shown, the date is to be considered, it would seem, as 
 
 Nov. 1st, 1811, a payment had been made and indorsed upon the note. The action 
 was commenced Nov. 1st, 1817. Jackson, J. said : "By the Statute of Limitations it 
 was intended that the plaintiff should have six full years, and no more, within \vhi(.-h 
 to bring his action. In this case he might have brought his action on tlie 1st of No- 
 vember, 1811, as upon a new promise then made, supposing that tlie action had been 
 previously barred by the statute; and if he may also commence it on the 1st day of 
 November, 1817, it would make seven first days of November in the six years pre- 
 scribed by the statute. In the construction of a promissory note, payable in a certain 
 number of days, the day of the date is excluded ; because, otherwise, a note payable in 
 one day would be the same as a note payable on demand, and this is the reason given 
 in the case of Henry v. Jones," 8 Mass. 453, supra, note y. 
 
 The contrary was held in Cornell v. Moulton, 3 Denio, 12, where Bivnson, C. J. 
 said : " Our cases all go to establish one uniform rule, whether the question arises upon 
 the practice of the court, or the construction of a statute, and the rule is to exclude the 
 first day from the computation." 
 
 (c) In De la Courtier v. Bellamy, 2 Show. 422, " the fact was alleged to be, that a 
 party drew such a bill such a day, and the same was afterwards presented to, and ac- 
 cepted by, the defendant. An exception was taken, that the date of the bill was not 
 set forth, and the court held it was well enough, and they would intend it dated at the time 
 of drawing it." In Hague v. French, 3 Bos. & P. 1 73, the first count in the declaration 
 stated that the defendant, on the 15th day of September, 1800, drew a bill of exchange 
 bearing date the day and year aforesaid, payable two months after date. The second 
 count stated that afterwards, to wit, on the day and year aforesaid, the defendant drew 
 a certain other bill of exchange, payable two months after date. No express date was 
 mentioned in either count, but they were both held to be good. In Giles v. Bourne, 6 
 Maule & S. 73, 2 Chitty, 300, the plaintiff declared, that "on February 22d, 1816, A 
 made his bill of exchange, and thereby required the defendant, four months after date, 
 to pay at Messrs. V. & Co." &c. On demurrer because no date was assigned to the 
 bill, it was held that the declaration was good, for it might "be intended that the date 
 of the bill was the day on which it was alleged to have been made " A distinction 
 attempted to be taken between Hague v. French, 3 Bos. & P. 173, and this case, that 
 the former came before tiic court on a writ of error, and the latter on demurrer, was 
 overruled. In Mechanics' Bank v. Schuyler, 7 Cowen, 337, note a, Sutherland, J. said : 
 " Where they (a note or l>ill) have no date, the time, if necessary, may l)e inquired 
 into, and will be computed from the day they were issued." Where an award has no 
 date, the time must be cotn[)uted from the delivery. Armitt ». Breaine, 2 Ld. Uaym. 
 1076. So wIktc a df^ed has no date, or an impossil)le or void one. Com. Dig. Fait, 
 (B. 3); Styles v Wnrdic, 4 H. & C. 908. So in a lease; Bac. Abr. Leases, (K) 2, 
 Rale 2, 1 ; and in a bond ; (ioddard's case, 2 Ucp. 5. 
 
 (d) Bac. Abr. Leases, (10) 2, Rule 2, 1. This was said with reference to leasts, but 
 there seems to be no good reason why it should not apply to notes. The language 
 fiometinies used is, that a note without a date takes effect from the time >f its making 
 but this, it would seem, is iiiaecurate.
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 387 
 
 that time when the note or bill can first be proved to have a 
 legal existence. (e) 
 
 We have seen that, although a note does not take effect until 
 delivery, (/) and is said to be considered as made on the day it ia 
 delivered, (o-) yet this must be so only as regards the title or 
 the validity of the contract ; but in respect to the question of 
 computation of time,(/t) the note takes effect from its date, by 
 relation in case it is ante-dated, and prospectively where it is 
 post-dated. (i) One reason of this is, that it would otherwise be 
 
 (c) Thus, in Mahier v. Le Blanc, 12 La. Ann. 207, the case turned upon the point 
 whether a draft was accepted prior to, or subsequent to, certain judgments. Buchanan, 
 J. said : " The draft purports to be dated November 30th, 1849, but being a writing 
 sous seing priv€, it has, per se, no date as against third persons. The acceptance of the 
 draft bears no date, and for tlie determination of the antiquity of the claim of jilain- 
 ritF, as compared with the contracts and judgments which she seeks to annul, the only 
 date which can be assigned to that claim is the date of the protest, to wit, November 
 4th, 1850 ; for no other proof has been adduced of the existence of the draft, or of any 
 other legal consideration for the same, at a previous date to that protest." Chitty (p. 370, 
 10th ed., London) says : '"In general, the date of a bill or note should be stated, and 
 if there be no date, then the day it was made ; and if that cannot be ascertained, then 
 the first day it can be proved to have existed." Qiuere, whether a note where no date 
 or delivery can be ascertained might not in some cases be considered as payable on 
 demand ? 
 
 (f) Supra, p. 48, et seq. 
 
 ((/) In Lansing v. Gaine, 2 Johns. 300, Kent, C. J. said : " The date of the notes 
 then becomes immaterial, as they were valid only from the time of their delivery; and 
 unless the contrary be shown, the presumption will be that tiiey were then actually drawn, 
 and were antedated by mistake or design. If they had been previously drawn, they 
 had no force while in the possession, and under the coatrol, of the maker. To all legal 
 purposes, the notes are to be considered as made or drawn when they were delivered." 
 But this language, which is rather too broad, was used with respect to the question 
 whether a partnership note, dated before dissolution, but not issued till afterwards by 
 one of the partners, bound the others, and it was held that it did not. 
 
 (h) In Brewster y. McCardel, 8 Wend. 478, Sut/terland, J. said: "The date of a 
 note is in no respect material, except for the purpose of determining when it is pay- 
 able." 
 
 (/) The time from which the Statute of Limitations begins to run on a note is reck- 
 oned from the date, not from the delivery. Bumpass v. Timms, 3 Sneed, 4.'J9. So on 
 All acceptance. Montague v. Perkins, C. B. 1853, 22 Eng. L. & Eq. 516. In Styles 
 V. Wardle, 4 B. & C. 908, Bai/ley, J. said : " When there is no date, or an impossible 
 date, that word must mean delivery. But where there is a sensible date, that word in 
 other parts of the deed means the day of date, and not of the delivery .... The ques- 
 tioQ here is. What, in this covenant, is the meaning of datus? I consider that a party 
 executing a deed agrees that the day therein mentioned shall be the date for the pur- 
 poses of computation. It would be very dangerous to allow a different construction of 
 the word date; for then, if a lease were executed on March 30th, to hold from the date, 
 th 't being the 25th, and the tenant were to enter and hold as if from that day, yet, after 
 ch( expiration of the lease, he might defeat an ejectment on the ground that the lease
 
 ob'S NOTES AND BILLS. [CH. XL 
 
 difficult to know when the note was due, and much inconven- 
 ience would arise and great risk be incurred froni an uncer- 
 tainty as to the proper time of making the demand. It would 
 seem that a maker would be estopped from setting up in defence, 
 that a demand, though made at a proper time from the date, 
 was not made at maturity, reckoning from delivery, the evidence 
 of which would in many cases be uncertain ; (j) and it cannot 
 be supposed that any such defence would be open to an indorser 
 or any other party. We should not even admit that the holder 
 might have his option as to which period of time he would use 
 in reckoning the date of maturity, for it is obvious that the 
 former mode is far preferable, as tending to create greater uni- 
 formity and certainty in the law on this point. (/c) It may here 
 be remarked, that it is immaterial on what part of the note the 
 date is written. (/) 
 
 The New Style, or mode of reckoning the year according to 
 the Gregorian Calendar, is used everywhere except in Russia and 
 those countries in which the Greek Church is the established 
 religion, and these still adhere to the Old Style, following the 
 Julian Calendar.(w) In order to convert tlie Old Style to the 
 New, it is now necessary to insert twelve days. Thus, if a bill is 
 drawn in Russia, January 1st, 18G1, the date woiild correspond 
 with January 18th in this country. (>^) 
 
 was executed on a day subsequent to the 25th of March, and that he did not hold from 
 that day." In Powell v. Waters, 8 Cowen, 669, 687, Jones, Ch. said : "A note has no 
 binding force, or legal inception, nor constitutes any contract, until delivered and in the 
 hands of a bonajide holder. It acquires the form of a contract from the delivery, and 
 not, ah initio, from the execution of it. But when delivered it takes effect from its date, 
 and for all sulistaiitial purposes becomes a binding contract upon the maker ah initio.'" 
 
 ( /) He certiiinly would be, where a Iiolder for value received the note in ignorance 
 of the facts. 'J'hns, in Huston i;. Young, 33 Maine, 85, a note dated Janiiiiry 14th, 
 1847, payable in two years, was sued October 8th, 1849. The maker offered to prove 
 that the note was made in 1848, that the date 1847 was a mistake, and consccpicntly 
 tliai the suit was premature. The holder imught the note before maturity, unaware of 
 the mistake. Helil, that the (-vidence was inadmissible. 
 
 (k) See the n;marks of Baijlfi/, J., cited mipra, note i. 
 
 (/) Slicf)pard V. Graves, 14 How. 505, where it was written at the foot, opposite the 
 makers' nam<!«. 
 
 (m) Kee Kncyelopa?dia IJritannica, Vol. VIII. pp. 76 - 78, tit. Cah'iuhir. 
 
 (n) firegory directed that Octol>er 4tli, 1582, should l)e followed by the 15tli. The 
 year 1600 being ii leap-year, lioth aceoidiiig to the Cjrcgorian and Julian Calendar, no 
 further ehanL'ir oceiirreil riniil 1700, wliicb being a common year by the Gregorian f id 
 3 leap-year by tin' JiiIImm, the iliU'enmce between the New and Old Style I)ecame gre. cei
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 389 
 
 111 the case of bills drawn in a country using one style, and 
 payable in a country using another style, if a bill is payable at a 
 fixed period, the style of the country where it is payable governs 
 the time of maturity. Thus, if a bill is drawn in London, dated 
 January 13th, 1861, which is January 1st, 1861, according to 
 the Old Style, on St. Petersburg, payable at one month after date, 
 it will, if accepted generally, be payable on February 4th. And 
 conversely, a bill drawn in St. Petersburg on London, dated Jan- 
 uary 1st, will under like circumstances be payable on February 
 16th. (o) If a bill is payable after sight, or on or after demand, 
 the computation is unaffected by any diversity of style. 
 
 Usance sometimes comes into the calculation of the time, if 
 the bill be drawn on a country in Continental Europe, This 
 means the time which is fixed by the usage of the countries 
 between which the bill is drawn for its payment ; (/?) a bill being 
 drawn at so many usances instead of so many days. 
 
 We doubt whether usage has determined any usances between 
 this country and the countries of Europe, our bills being, usually 
 at least, drawn at a certain number of days or months instead 
 of usances, and this practice is said now to be taking the place 
 of drawing at usance in Europe. (^) Usances are calculated 
 exclusive of the day of the date, and days of grace are allowed 
 on bills so drawn, (r) A half-usance is always fifteen days when 
 usance is a month, notwithstanding the unequal length of the 
 months. (s) Mr. Chitty(^) gives a full list of those which exist 
 between England and the countries on the Continent, and we 
 have placed them in our note.(M) 
 
 by one. A like increase, for a similar reason, took place in the year 1800, so that now 
 the Old Style is twelve days in advance of the New. 
 
 (o) That is, adding the days of grace. Story on Bills, § 331 ; Chitty, 10th ed., 
 London, 253. 
 
 (/>) Chitty on Bills, 10th ed., London, 254 ; Story on Bills, § 50. 
 
 (q) Chitty on Bills, 1 0th ed., London, 254. 
 
 (r) Chitty on Bills, 10th ed., London, 254 ; Story on Bills, § 332. 
 
 (s) Byles on Bills, 160 ; Marius, 93. 
 
 (t) Chitty on Bills, 10th ed., London, 255-257 ; Story on Bills, § 332, note 2 
 
 («) Between London and 
 Aleppo, 1 month after date (sometimes ac- Antwerp, 1 month after date. 
 
 counted trehle usance). Bahia, none. 
 
 Altona, 1 month after date. Barcelona, 60 days after date. 
 
 Amerii;i, North, 60 days. Berlin, 14 " " sight. 
 
 Amsterdsun, 1 month after date. Bilboa, 2 months after date. 
 
 33*
 
 890 
 
 NOTES AND BILLS. 
 
 [CH. XI 
 
 Another circumstance to be taken into consideration in ascer- 
 taining the time at which a note or bill is to be paid, is, that in 
 most cases the note or bill is not mature at the precise time 
 mentioned in it, but three days after. This allowance is usually 
 
 Bordeaux, 30 days after date. Madrid, 60 days after date. 
 
 Brabant, 1 month " " Malta, 30 " 
 
 Brazil, none. Middleburgh, 1 month after date. 
 
 Bremen, 1 month after date. 
 
 Bruges, " " " 
 
 Buenos Ayres, none. 
 
 Cadiz, 2 months after date. 
 
 Constantinople, 31 days after date. 
 
 Dantzic, 14 days after acceptance. 
 
 Flanders, 1 month after date. 
 
 Florence, 30 days after date (sometimes Rio de Janeiro, none. 
 
 accounted treble usance). Rotterdam, 1 month after date. 
 
 France, 30 days after date. Rome, 3 " " " 
 
 Frankfort-on-the-Main, 14 days after ac- Rouen, 1 " " " 
 
 Milan, 
 
 3 " 
 
 Naples, 
 
 3 " 
 
 Netherlands 
 
 , 1 " 
 
 Oporto, 
 
 60 days 
 
 Palermo, 
 
 3 months 
 
 Paris, 
 
 1 " 
 
 Portugal, 
 
 60 davs 
 
 ceptance. 
 Geneva, 30 days after date. 
 Genoa, 3 months " " 
 Germany, 30 days " " 
 Gibralter, 2 months after sight. 
 " date. 
 
 Hamburg, 1 " 
 1 " 
 3 " 
 3 " 
 14 days 
 60 " 
 1 month 
 3 " 
 
 acceptance, 
 date. 
 
 St. Petersburg, none. 
 
 Seville, 60 days after date. 
 
 Smyrna, 31 " " " 
 
 Spain, 60 " " " (except Cadiz 
 
 Sweden, 30 " " sight. 
 
 Switzerland, 30 days after sight. 
 
 Trieste, 14 " " acceptance. 
 
 Venice, 3 months after date. 
 
 Vienna, 1 4 days after acceptance. 
 
 West Indies, 31 days after " 
 
 Zante, 3 months after date. 
 
 Zealand, 1 month after date 
 
 (sometimes). 
 
 Holland, 
 
 Italy, 
 
 Leghorn, 
 
 Leipsic, 
 
 Lisbon, 
 
 Lisle, 
 
 Lucca, 
 
 Between Amsterdam and 
 Brabant, 1 month. 
 Breslau, 14 days after sight. 
 Flanders, 1 month. 
 France;, 1 " 
 Frankfort, 14 days after sight. 
 Germany, 14 " " " 
 Hamburg, 14 " " " 
 
 Between Altona, Hamburg, and 
 Fiume, 2 inf)Mtlis after date. 
 J'raticc, I " " " 
 Gfrmany, 14 days after sight. 
 Holland, I month after date. 
 
 Between Amsterdam, Antwerp, Rotterdam, and 
 Dant/.ic, 30 days after sight. Germany, 14 days after sight. 
 
 Kngland, 1 month after date. Italy, 2 months after date. 
 
 France. 1 " " " Kiinigsberg, 30 days after sight, 
 
 Holland, 1 month. 
 
 Italy, 2 " 
 
 Nuremberg, 14 days after sight. 
 
 Portugal, 2 months. 
 
 Spain, 2 
 
 Vienna, 14 days after sight. 
 
 Zealand, 1 mouth. 
 
 Italy, 2 months after date. 
 Portugal, 2 " " " 
 Spain, 2 " " " 
 Trieste. 2 " " "
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 391 
 
 called grace ; which, as its name imports, was originally a favor, 
 and could not be demanded as a right by the payer, but depended 
 upon the inclination of the payee. (v) 
 
 It appears that in England, from an early time, the length of 
 this period in foreign bills was three days,(z^;) and that it was for 
 a short time somewhat doubtful whether any grace was given in 
 the case of inland bills ; (x) or if given, whether it was three days 
 or a "reasonable time."(?/) It may be supposed that in foreign 
 
 Portugal, 2 months after date. Spain, 2 months after date. 
 
 Riga, 30 days after sight. Switzerland, 14 days after sight. 
 
 Genoa, abolished by the Code Napoleon. 
 
 Holland, Venice, and Hamburg, 2 months after date. 
 
 Between Leghorn and 
 
 Hamburg, 2 months after date. 
 Holland, 2 " " " 
 Lisbon, 3 " " " 
 
 Paris, 
 Spain, 
 
 1 month after date. 
 
 2 .< « « 
 
 Between Lisbon, Oporto, and 
 France, 60 days after sight. 
 Germany, 2 months after date. 
 Holland, 2 " " " 
 
 Italy, 
 Spain, 
 
 15 days after sight. 
 
 Palermo and most places, except London, 21 days after sight. 
 
 (») Chitty on Bills, 10th ed , London, 2.58. 
 
 (w) Hill V. Lewis, Skin. 410 (1694), Holt, C. J. In Tassell v. Lewis, 1 Ld. Raym 
 743 (1696), it is said that, "In case of foreign bills, the custom is that three days 
 are allowed for payment of them ; and if they are not paid upon the last of the said 
 days, the party ought immediately to protest the bill and return it; and by this means 
 the drawer will be charged ; but if he does not protest it the last of the three days, 
 which arc called the days of grace, there, although he upon whom the bill is drawn 
 fiiils, the drawer will not be chargeable ; for it shall be reckoned his folly that he did 
 not protest." See Coleman v. Sayer, infra, note y ; Brown v. Harraden, 4 T. R. 148. 
 
 (x) In Cramlington v. Evans, 2 Vent. 307 (1691), an action against the drawer, tho 
 bill was drawn in Newcastle, Nov. 10th, 1685, payable in twenty-five days from date. 
 It was alleged for error, that " there were, as appears by the bill of exchange, twenty- 
 five days given for the payment of it after the date of the bill ; whereas here the request 
 and refusal is upon the twenty-fifth day after the date. Sed non allocatur: for as the 
 bill is set forth, it is to pay the money ad viginti et qiunque dies post datum ; and this 
 can't be if not paid at the five and twentieth day." There is no mention of grace 
 made in this case. 
 
 (y) In Tassell v. Lewis, 1 Ld. Raym. 743 (1696), it is said that " There is no cus- 
 tom for the protest of inland bills of exchange, nor any certain time assigned by the 
 custom for the payment of them ; therefore, the money ought to be demanded in a rea- 
 sonable time; and then, if it is not paid, the drawer will be charged." But in Coleman 
 r. Sayer, 1 Barnard. 303, " the otlier matter then came into debate whether three days 
 of grace in certain are allowable upon inland bills, as well as upon foreign ones, or 
 whether only a reasonable time. The Common Sergeant and the foreman of the jury 
 said that the constant practice in the city was to allow them in one case as well as the
 
 392 NOTES AND BILLS. [CH. XL 
 
 bills a reasonable time was at first allowed, which custom was 
 finally limited to three days, for the sake of uniformity and pre- 
 cision, and that the same thing happened in inland bills. It was 
 also for some time a " vexata questlo in Westminster Hall " 
 whether a promissory note was entitled to grace ; [z) but this was 
 finally settled in the year 1791, by a decision of the Court of 
 King's Bench, where it was held that the three days were to be 
 allowed on promissory notes, and on inland as well as foreign 
 bills. (a) 
 
 In some of the States of this country, the courts early held 
 that foreign bills alone were entitled to grace, and denied the 
 indulgence to inland bills and promissory iiotes ; but in all these 
 
 other. Upon which the Chief Justice said that then he would not alter it ; though he 
 observed that he remembered two cases, one in Lord C. J. Kelyncje's time, the other in 
 Lord Holt's, where they were both of opinion that in inland bills it is only a reason- 
 able time ; and what that is, the jury ought to determine." In Brown v. Harraden, 4 
 T. R. 148, 1.51, Lord Ken/jon said : " It is extremely clear that on foreign bills of ex- 
 change three days of grace are allowed. I think it is as little to be doubted that they are 
 
 also allowed on inland bills When it is stated in 1 Ld. Raym. 743, that there was 
 
 no certain time assigned by the custom of merchants for the payment of inland bills of 
 exchange, it only shows that the judges were very cautious on the subject ; but now it 
 has been settled for more than half a century that they are payable at the same tijne as 
 foreign bills of exchange." 
 
 (z) In May v. Cooper, Fortes. 376 (1722), the defendant pleaded a tender, on Au 
 gust 1st, of a note dated July 21st, payable in ten days. Held a day too late. In Dex- 
 laux V. Hood, Buller, N. P. 274 (1752), Denison, J. said there were no days of grace 
 on a note as there are on a bill of exchange ; but the jury said it was commonly un- 
 derstood that there were three days of grace, and therefore thought the demand in 
 time ; but the judge said the law was otherwise, and directed them to find for the de- 
 fendant. In Brown v. Harraden, 4 T. R. 148, Buller, J. said : " The question whether 
 three days of grace shall or shall not be allowed on promissory notes has, for many years 
 past, been a vexata questlo in Westminster Hall. But the practice among merchants and 
 bankers has been uniform in favor of the indulgence. The doubt which has arisen in our 
 own time has been principally founded on the determination of Mr. J. Denison, at Nisi 
 Prius ; thougii it appears that the jury there said that the judge's opinion was against 
 the practice ; and that case has always been handed down in print with a qmere. And 
 since I have sat upon the bench, I have always held at Nisi Prius, that the three days 
 are allowed, whether the fjucstion has arisen on the supposed laches of the holder, or in 
 cases of usury." 
 
 («) Brown v. Harraden, 4 T. R. 148, an action by an indorsee against the indorser 
 of a bill payable Novetnber 2(1. The defendant i)leaded a tender on Nov. 5th. Repli- 
 cation, that the defendant did not tender ])rior to Nov. 4th. Rejoinder, that the de- 
 fendant was not liable before the 5th. Surrejoinder, that he was so lial)le. General 
 demurrer and joindir. Verdict for the defendant In Leftley v. Mills, 4 T. R. 170, 
 three days were allowed on an inland bill. The rule as stated in the text is the gen- 
 eral rule. As to the kinds of notes and bills that are not entitled to grace, see 
 infra, j». .'193, notes b and < .
 
 CH. XI.] AT WHAT TBIE DEMAND SHOULD BE MADE. 393 
 
 the matter was soon regulated by statute. (6) In otliers, the 
 courts adopted the rule requiring the allowance of grace on in- 
 land bills and promissory notes, as a part of the common law, 
 without any express statutory regulations on the subject. (c) 
 
 (6) In Maine and Massachusetts, " a note of hand is not entitled to grace unless it is 
 expressly payable with grace," — a dictum of Parsons, C. J., Jones v. Fales, 4 Mass. 
 245. But "when the court gave the opinion" in this case as to grace, "it was new. 
 Gentlemen old in practice understood that we had adopted the English law as to this, 
 as we had the other parts of tiiat law in regard to negotiable contracts.'' 1 Dane, Abr. 
 413, § 7. In Maine, foreign bills were always entitled to grace, but inland bills and prom- 
 issory notes, by a statute passed in 1824, only when " discounted at any liank, or left 
 there for collection." Pickard v. Valentine, 13 Maine, 412; McDonald v. Smith, 14 
 id. 99; Central Bank v. Allen, 16 id. 41. A note payable at a bank, but not dis- 
 counted or left there for collection, was not entitled to grace in 1837. Buck v. Apple- 
 ton, 14 id. 284. But now, by R. S. 1857, p. 273, grace is allowed on "any promissory 
 note, inland bill of exchange, draft, or order for the payment of money, payable in this 
 State at a future day, or at sight, and not on demand." In Alussachusetts, in 1824, a 
 statute was passed allowing grace on bills of exchange payable within this State at 
 jiight or at a future day certain ; and on promissory negotiable notes, orders, and drafts, 
 payable within this State at a future day certain, in which there is not an express stipu- 
 lation to the contrary. Bills of exchange, notes, or drafts, payable on demand, are 
 expressly excepted from the foregoing provisions. Gen. Stat. 1860, p. 294. In Ohio, 
 upon notes payable at banks, and upon commercial bills of exchange, it is a well- 
 established usage to allow days of grace. In relation to mere ordinary notes of hand, 
 no such usage is understood to prevail. Sharp v. Ward, 7 Ohio, 223 (183.5) ; Isham v. 
 Fox, 7 Ohio State, 317. But by a statute passed in 1839, grace was allowed on all bonds, 
 notes, or bills made negotiable by statute. R. S. 1854, p. 576. In an act passed in 1857, 
 " all bonds, notes, or bills, payable at a day certain, after date or after sight, made ne- 
 gotiable," are entitled to grace. Laws of 1857. p. 76. In North Carolina, grace was 
 allowed, except between the original parties. Jarvis v. McMain, 3 Hawks, 10 (1824). 
 See State Bank v. Smith, 3 Murphey, 70. By statute passed in 1848, "all bills of ex- 
 change payable within the State, at sight, or at a future day certain, in which there is 
 no express stipulation to the contrary," are entitled to grace. Bills, notes, and drafts, 
 on demand, are excepted. Rev. Code, 1855, p. 111. In the Territory of Arkansas, in 
 McLain v. Rutherford, Hempst. C. 0. 47 (1827), it was held, that "the custom of 
 merchants (as to days of grace) does not apply to the maker and the payee"; in 
 Cook V. Gray, id. 84 (1829), that " days of grace do not attach to promissory notes." 
 
 (c) In Alabama, grace was allowed in 1824 on a promissory note. Crenshaw v. 
 M'Kiernan, Minor, 295. The first statute on the subject was passed in 1828. Now, 
 " bills of exchange, and promissory notes, payable in money, at a bank, or at private 
 banking-houses, are governed by the general commercial law." " All other instru- 
 naents, payable in money, at a bank or private banking-houses, are governed by the 
 commercial law, as to days of grace, protest, and notice. No days of grace are al- 
 lowed on any contract except those enumerated." Code, 1852, p. 317. 
 
 In Arkansas, in 1838, a statute was in force, enacting that "the remedy on bills, 
 foreign and inland, and on promissory notes or obligations payable in bank, shall be 
 fToverned by the rules of the law merchant, as to days of grace, protest, and notice." 
 Dig. of St.at. 1858, p. 211. There is no reported case on the subject prior to 1838. 
 
 In California, by an act passed in 1851, grace "shall be allowed, except on sight bills
 
 394 NOTES AND BILLS. [CH. XL 
 
 Most, if not all, commercial countries now require, as a matter 
 of strict right, the days of grace, which are added to the time 
 that a note or bill has to run. Chief Justice Marsliall declared 
 that the allowance of days of grace is a usage which pervades 
 
 or drafts." Woods, Dig. 1857, p. 74. There is no reported case on the subject prior 
 to this time. 
 
 In Connecticut, '' by the immemorial custom of merchants, sanctioned by judicial 
 decisions, notes and bills payable at banks are entitled to grace." Swift, C- J., Shep- 
 ard V. Hall, 1 Conn. 329 (1815). So on all negotiable promissory notes and bills. 
 Norton v. Lewis, 2 id. 478 (1818). The only statute respecting grace is with regard to 
 holidays. 
 
 In Delaware, grace was recognized as early as 1832. Bank of Wilmington r. Cooper, 
 1 Harring. 10. The only statute on the suiiject is one denying grace to "checks, 
 notes, drafts, or bills, payable without time or at sight." Rev. Code, 1852, p. 183. 
 
 In Florida, grace was allowed on a promissory note in 1847. Spaim v. Baltzell, 1 
 Fla. 301. There is no statute. 
 
 In Georgia, the only act on the subject denies grace to sight bills and drafts, and 
 specifies certain days as holidays. R. S. 1857, p. 278. 
 
 In lllinoifi, in the absence of any statute, grace was allowed on a bill of exchange in 
 1858, on the ground that the law merchant '.vas part of the common law of the State. 
 Cook V. Hcnick, 19 111. 598. 
 
 In Indiana, grace was allowed in 1820, in Piatt v. Eads, 1 Blackf 81, where it ex- 
 pressly apjicared that there was no statute. By an act passed in 1849, " on all bills of 
 exchange, })ayable within this State, whether sight or time bills, three days of grace shall 
 be allowed." R. S. 1852, p. 379. 
 
 In Iowa, grace was allowed in 1841, on a promissory note without any express 
 statute. Hudson v. Matthews, Morris, 94. " Three days of grace are allowed on bills 
 of exchange, according to the custom of merchants, but not on any other instruments ; 
 and a demand at any time during the three days of grace will be sufficient for the pur- 
 pose of charging the indorser." Code, 1851, p 150. But by an act passed in 1853, 
 "grace shall be allowed upon bills and notes executed and payable within this State, 
 according to the princi|)les of the law merchant, and notice of non-acceptance or non- 
 payment, or both, of said instruments, shall be rcipiired according to the rules and pr'in- 
 ciples of the commercial law." Laws of 1853, p. 188. Revision of 1860, p. 320. 
 The act of 1853 repeals the provisions of the Code, so that a demand on the first day 
 of grace is premature. Edgar v. Grccr, 8 Clarke, 394. 
 
 In Kenliick-ij, grace was allowed in 1 848. Stradcr v. Batchclor, 8 B. Mon. 168. There 
 is no statute. 
 
 In Ijjitisiana, by a statute passed in 1805. "instead of the ten days of grace 
 which have been heretofore allowed, three days only shall be hereafter allowed." Dig. 
 1828, Vol. I. p. 93. " Upon nil bills of exchange and promissory notes made nego- 
 tiable l)y law, or by usage and cu.stom of merchants in this State, three days of grace 
 shall he allowed." R. S. 1850, p. 46. 
 
 In Mni/hnid, in an action by an indorsee against the maker of a note, dated Sep- 
 tember rjtii, payable at twelve moTitlis, the writ was served on the defendant Septem- 
 ber 20th, and the plaintilf recovered. I'onsonby r. NiebolsoTi, 4 Harris & M. 72. This 
 was decided in 1797, and no reasons are given. But in Heck v. Thompson, 4 Harris & 
 J 531 (1819), a count in a declaration on a promissory note was held bad, beciiuse it 
 alleged a demand, without allowing for grace, "three days before the note becam«
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 395 
 
 the whole commercial world. In the same case he said that it 
 was universally understood to enter into every bill or note of a 
 mercantile character, and to form so completely a part of the con- 
 tract, that the bill does not become due, in fact or in law, on the 
 day mentioned on its face, but on the last day of grace ; and a 
 
 due, according to the established rule of law." Martin, J. See Jackson v. Union Bank, 
 6 Harris & J. 146 ; Flack v. Green, 3 Gill & J. 474. There is no statute. 
 
 In Michigan, a statute in the same terms as that of Massachusetts, supra, p. 393, note 
 b, was in force as early as 1838. Comp. Laws, 1857, p. 408. There is no reported 
 case on the point prior to that time. 
 
 In Miniifsota, a statute similar to that in Massachusetts was in force in 1858, Stat. 
 1858, p. 376, prior to any reported case on the subject. 
 
 In Mississippi, grace was allowed in 1842, in Fleming n. Fulton, 6 How. Miss. 473, 
 where it was contended that only foreign bills were entitled to it, and that four days 
 was the proper time ; but both objections were overruled. But in Harrel v. Bixlcr, 
 Walker, 176, where a suit was brought on a note by the indorsee against the indorser, 
 it was held that the defendant was not entitled to grace. There is no statute. 
 
 In Missouri, grace was allowed on a promissory note in 1823, in Schlatter v. Rector, 
 1 Misso. 286. The only statute on the subject is one prohibiting grace on bills at sight. 
 In New Hampshire, in Leavitt v. Simes, 3 N H. 14, Richardson, C. J. said, with refer- 
 ence to a promissory note, that it Avas well settled that the demand ought to be made 
 on the last day of grace. It appeared, in this case, that four out of the five banks in 
 Portsmouth, in one of which the note in suit had been left for collection, were in the 
 habit of allowing grace. This decision was rendered in 1823, and in 1828 a statute 
 was passed enacting that " no bill of exchange, negotiable promissory note, order, or 
 draft, except such as are payable on demand, shall be payable until days of grace have 
 been allowed thereon, unless it appear in the instrument that it was the intention of the 
 parties that days of grace should not be allowed." Comp. Stat. 1853, p. 460. 
 
 In New Jersey, in Ferris v. Saxton, 1 Southard, 1, 17 (1818), Kirkpatrick, C- J. said 
 that it was well settled that the day on which a note became due was on the third day 
 of grace. The only statute relates to holidays. 
 
 In New York, grace was mentioned in Leffingwell v. White, 1 Johns. Cas. 99 (1799) ; 
 and in Corp v. M'Comb, id. 328 (1800), the court say, that " notice to the indorser on 
 the third day of grace, after a demand made of the maker, and his default of payment, 
 is good." The only statute refers to holidays. 
 
 In North Carolina, " All bills of exchange payable within the State, at sight, or at 
 a future day certain, in which there is no express stipulation to the contrary, shall bo 
 entitled to days of grace, as the same are allowed by the custom of merchants on foreign 
 bills of exchange, payable at the expiration of a certain period after date or sight: 
 Provided, that no days of grace, shall be allowed on any bill of exchange, promissory 
 note, or draft, payable on demand." Rev. Code, 1854, p. 111. 
 
 In Oregon, the provisions of the Massachusetts statute were in force as early as 1855, 
 prior to any reported case. Stat. 1855, p. 531. 
 
 In Pennsglvania, it was adopted as early as 1792. Bank of North America v. 
 M'Knight, 1 Yeates, 145. The only statute denies grace Jo bills at sight. ^ 
 
 In Rhode Island, in Cook v. Darling, 2 R. I. 385, it was contended that the note in 
 suit was not entitled to grace, because not payable at a bank ; but the court overruled 
 the objection, and allowed the grace. There is no statute on the subject, except one 
 with regard to holidays and one denying it to bills at sight.
 
 396 NOTES AND BILLS. [CH. XI. 
 
 demand of payment previous to that day would not authorize a 
 protest, or charge the drawer of the bill.((:/) But the promisor 
 has the whole of the last day of grace wherein to make payment; 
 if he refuses on that day, notice of non-payment may issue ; 
 but if he pays afterwards on that day the notice is nugatory. (c/cZ) 
 We should say an action may be brought after demand and refusal 
 on that day, or after business hours.(f7e) The number of days 
 throughout the United States and England(«?) is three; and the 
 presumption in all cases would be that that is the number to be 
 allowed. (/) A usage formerly prevailed in the banks of the Dis- 
 
 In South Carolina^ grace was adopted in 1818, in Lovel v. Warten burgh, 1 Nott & 
 McC. 83. There is no statute. 
 
 In Tennessee, grace was recognized in 1823, in Broddie v. Searej-, Peck, 183. The 
 only statute denies grace to bills at sight, and refers to holidays. 
 
 In Texas, by an act passed in 1848, three days were allowed on "all bills of ex- 
 change and promissory notes, assigiialile and negotiable b}^ law, provided this shall 
 extend only to contracts lietween merchant and merchant, their factors and agents." 
 Hartley, Dig. 1850, p. 773. There is no reported case on the subject of grace prior to 
 this statute. 
 
 In Vennont^ in Nash v. Harrington, 2 Aikens, 9 (1826), the court decided to "adopt 
 the law merchant touching the necessity of demand upon the maker and notice back 
 to the indorser, in order to charge him." The point was raised, as to the adoption of 
 grace, in Kipley v. Greenleaf, 2 Vt. 129 (1829), but not decided, as the counsel had 
 agreed that it should be allowed. By a subse(iuent act, "all bills of exchange, drafts, 
 and promissory notes," executed or payable in that State, are entitled to grace. Con- 
 tracts payable on dcnumd, or in any other way than money, are excepted. Yiy an act 
 passed in 1850, contracts payable at sight are excepted. Comp. Stat. 1850, p. 443. 
 
 In Viri/inin, there is no statute. 
 
 In Wi,sronsi7i, a statute similar in its terms to that of Massachusetts was in force as 
 early as 1849. IJ. S. 1858, p. 409. Prior to this time there is no reported case on the 
 subject. 
 
 (d) Marshall, C. J., Bank of Washhigton v. Triplett, 1 Pet. 25. Notes and bills on 
 demand should be cxcc])tcd. In Savings Bank of New Haven v. Bates, 8 Conn. 505, 
 Jii.sseU, ,T. said : " It is too well settled to admit of dispute, that, in regard to negotiable 
 notes, the days of grace make a ])art of the original contract. Such a note, payable 
 by the terms of it in sixty days, is, in law, a note j)ayal)le in sixty-three days. Before 
 the expiration of that time, no dennnid of payment can be made, and if negotiated on 
 the sixty-first or sixty-second day, it is not negotiated when overdue." See also 
 Thomas r. Sliocniakcr," G Watts &"S. 179, Kennedy, J. In Cook v. Darling, 2 K. I. 
 385, it \Mis li(;ld that all negotiable jiromissory notes, whether payable at a bank or not, 
 arc ei:titl(;d to grace, unless tlicn? is a usage to the contrary ; and the burden of proving 
 sucli usage is upon the paity attempting to set it up. In DolU'us ;;. Fioscli, 1 Denio, 
 367, it was ln-ld that commercial pajier payable in France on a day certain will, in the 
 alisence of any prool' respecting the law of that country, be considered as jiayable on 
 the thii-d day of grace. 
 
 {(1(1) Ootbout?^. liallanl, 41 I'.arb. 33. 
 
 {(le) Vand(^sande v. Chapnnin, 48 Me. 262, and see ease cited in jireceding note. 
 
 {e) 'I'he same is true of Scotland, A\'ales, and Ireland. Chitty on Bills, 10th ed., 
 I>onilon, ]). 259. 
 
 U) Wood V. Corl, 4 Met. 203. Shaw, C. J. said: "Another ground of defence 
 was, that it does not appear that, l)y the law of ( )tiio, three days of grace are allowed ; 
 •anrl therefore it is not sliown'that a denninil on the third day was right. But we con- 
 t<l(l(T it well settled that, by the general law merchant, winch is jiart of the common 
 hiw, as prevailing tlirou^liont (he 1 iiitcd States, in the absence of all proof of particular 
 conliact or specud custom, tlirte dnvs of grace are allowed <in bills of exchange and 
 promissory noles; mid when it is relied u]ion that, by special custom, no grace is
 
 CH. XI.] AT WHAT TLME DEMAND SHOULD BE MADE. 397 
 
 trict of Columbia, not to make a demand of notes discounted by 
 them, or left with them for collection, until the day after tlie last 
 day of grace, thus allowing four days ; (g-) but this custom has 
 since been changed so as to conform to the general commercial 
 usage of demanding payment on the third day.(A) It was like- 
 
 allowed, or any other term of grace than three days, it is an exception to the general 
 rule, and the proof lies on the party taking it." So also Dollfus v. Frosch, 1 Denio, 
 367, supi-a, note d ; Lucas v. Ladow, 28 Misso. 342. But in Goddin v. Shipley, 7 B. Mon. 
 S?."), a contrary doctrine would seem to be laid down by Marshall, C. J., Avho said : 
 " The note was presented three days after the expiration of the time mentioned for 
 payment, and probably on the last day of grace. But the number of days of grace is 
 fixed by the local law, and not by the law merchant, which refers it to the law or usage 
 of the place or country where the instrument is payable. And there is no evidence of 
 the law of Missouri on this subject, none at least which would authorize the court to 
 withdraw tlie fact from the jury." In this case, the only dispute, as to fact, was whether 
 the note was payable in Missouri ; and the judge at Nisi Piius instructed the jury to 
 find for the plaintiff, if they believed that the note was payable in Missouri. He must 
 have acted on the presumption that the days of grace there wore three; but this instruc- 
 tion was held erroneous. 
 
 {()) Renner v Bank of Columbia, 9 Wheat. .'iSl. It appears that the Bank of Co- 
 lumbia had adopted this practice from its establishment in 1793, and that it has been 
 the universal custom of all the banks in Washington and Georgetown, for more than 
 twenty years. The indorser was acquainted with it when he indorsed the note, and a 
 demand on the maker at the fourth day was held sufficient to charge him. It was also 
 held that, although the declaration does not allege the custom, yet if proof of it is ad- 
 mitted, without objection, a judgment for the plaintiff is not erroneous. The same 
 points were decided in Bank of Columbia v. Magruder, 6 Harris & J. 172, where it was 
 held that the proper mode of procedure, where the custom was not alleged, was by way 
 of demurrer, on exception to the admissibility of the evidence at the trial. In Mills v. 
 Bank of U. S., 1 1 Wheat. 431, it was not proved that the indorser knew the usage ; but 
 Story, J., after referring to the case of Renner v. Bank of Columbia, said : " In the 
 present case the court is called upon to take one step further; and, upon the principle!! 
 and reasoning of the former case, it has come to the conclusion, that when a note i.'i 
 made payable or negotiable at a bank, whose invariable usage it is to demand payment 
 aijd give notice on the fourth day of grace, the parties are bound by that usage, whether 
 they have a personal knowledge of it or not. In the case of such a note, the parties are 
 presumed, by implication, to agree to be governed by the usage of the bank at which 
 they have chosen to make the security itself negotiable." So Raborg v. Bank of Colum- 
 bia, 1 Harris & G. 231 ; Bank of Columbia v. Fitzhugh, id. 239. In Bank of Washington 
 V. Triplett, 1 Pet. 2.5, it was held that there was no distinction in this respect between a 
 note or bill made negotiable at a particular bank, and one that was not. In this case the 
 bill was drawn in Alexandria on Washington ; but this was held not to vary the law, as the 
 rale respecting grace is to be governed by the usage of the place where the bill is paya- 
 ble. The bill had been left in the bank for collection. In Cookendorfer v. Preston, 
 4 How. 317, it was held that the usage only applied to notes discounted by the banks. 
 
 (h) Cookendorfer v. Preston, 4 How. 317, where it is stated that the change was made 
 in 181 8. But in Adams v. Ottorback, 1.5 How. 539, it is said that the Bank of Washing- 
 ton has changed back again to the previous custom since the decision of Cookendorfer 
 V. Preston. 
 
 VOL. I. 34
 
 898 NOTES AND BILLS. [CH. XI. 
 
 wise tlie custom in Louisiana formerly to allow ten days ; but 
 tliis has been changed by statute to the regular time.(/) The 
 number of days on the continent of Europe varies from none to 
 fifteen, and a list of these will be found in our note. (7) The 
 number to be allowed, in any case, and the regulations concern- 
 ing them, will be governed by the law of the place where the 
 
 (i) The statute was passed in 1S05, supra, p. 394, note c. 
 
 (j) Altona. Sundays and holidays included. Bills due thereon to be paid 
 
 the day previous 12 days. 
 
 Amsterdam, abolished by Code Napoleon None. 
 
 Antwerp. " u n. u << 
 
 Austria. None on bills at sight, demand, or less than 7 days after sight or 
 date ; bills presented after maturity to be paid within 24 hours, Sundays 
 and holidays included, and if the last day of grace falls thereon, protest 
 
 to be made the next day. 3 days. 
 
 Bahia. See Brazil 15 days. 
 
 Barcelona. 14 days. 
 
 Berlin. Bills due on Sunday or holiday to be paid the day previous. . . 3 " 
 
 Bilboa 14 " 
 
 Brazil. Sundays and holidays included. Bills due thereon to be paid the day 
 
 previous. 15 " 
 
 Bremen • . . . . 8 " 
 
 Cadiz 6 " 
 
 Dantzic 10 « 
 
 Denmark. 8 " 
 
 France. Abolished by Code Napoleon None. 
 
 Frankfort-on-the-Main. Sundays and holidays not included. None on bills 
 
 at sight. 4 days. 
 
 Geneva. 5 " 
 
 Genoa. Abolished by Code Napoleon None. 
 
 Germany. 8 days. 
 
 Gibraltar 14 " 
 
 Hamburg. Same as Altona. Called respite days 12 " 
 
 Leghorn None. 
 
 Lcipsic. ............. " 
 
 Lisbon. C days on local ; 15 on foreign bills. Bills not accepted to be paid the 
 
 day they fall due 6 or 15 days. 
 
 Madrid 14 " 
 
 Malta *. . 13 " 
 
 Naples. Abolislicd by Code Napoleon. None. 
 
 Oporto. Same as Lisbon. 6 or 1 5 days. 
 
 I'lilerino. .... None. 
 
 Hio <1(; Janeiro. Same as Bnizil. . . ...... 15 days. 
 
 Rotterdam. Aijolislied by Code Napoleon. None. 
 
 8t. Petersburg. On bills payable after date, 10 days; at sight, 3 days; at 
 any time after sight, none ; on bills presented after maturity, 10 days. Sun- 
 days Hnd liolidavH and the day the bill falls duo included ; on which days 
 no protest can ho made, hut payment must bo demanded the morning of 
 the last day of grace, and protest mada before sunset. Vary from 10 days to none
 
 ClI. XI.] A.T WHAT TIME DEMAND SHOULD BE MADE. 399 
 
 note or bill is payable ; (/c) though, as has been seen, the presump- 
 tion is that three days are allowed, and the burden of proof to 
 show that, by the usage or law of the place of payment, no grace 
 at all, or any number of days other than three, is allowed, is upon 
 the party seeking to avail himself of it.(/) As grace was itself 
 originally dependent upon, and had its origin in usage, it would 
 seem that evidence of usage should be admissible, in any case, 
 either to lengthen (m) or to shorten (n) the number of days, 
 although the courts in New York at one time seem to have been 
 inclined to exclude such evidence, as tendmg to control the set- 
 tled law with respect to negotiable paper. (o) One exception, 
 
 Spain. Varying; generally 8 on inland, and 14 on foreign bills. But see Ca- 
 diz. Bills payable at sight, or at a fixed date, or unaccepted before ma- 
 turity, not entitled Vary from 6 to 14 days. 
 
 Sweden 6 " 
 
 Trieste. Same as Austria 3 " 
 
 Venice. Sundays, holidays, and days when banks are shut, not included. 6 " 
 
 Vienna. Same as Austria 3 " 
 
 {k) Bank of Washington v. Triplett, 1 Pet. 25 ; DoUfus v. Frosch, 1 Denio, 367 ; 
 Bo wen v. Newell, 3 Kern 290, 2 Duer, 584. This case arose on a check made in New 
 York and payable in Connecticut. By the law of the former State grace is allowed, by 
 the latter, not. Held, that the check was not entitled to grace. On the first trial of 
 this case, as reported in 5 Sandf. 326, evidence of the usage of banks in Connecticut 
 not to allow grace was admitted, and held to govern the question whether grace should 
 be allowed. This was reversed in the Court of Appeals, in 4 Seld. 190, where it was 
 held that the evidence was inadmissible to control the rules of law in relation to such 
 paper. But on the next trial, as reported in 2 Duer, 584, the usage, being found gen- 
 eral, was admitted, and this was aftirmed on appeal, in 3 Kern. 290. It seems some- 
 what difficult to reconcile these cases. See iiifra, note o. Martin^ J., Vidal v. Thomp- 
 son, 11 Mart. La. 23 ; Goddin v. Shipley, 7 B. Mon. 575 ; Lucas v. Ladew, 28 Misso. 
 342 ; Ripley v. Grecnleaf, 2 Vt. 129 ; Bryant v. Edson, 8 id. 325. In this case, A, of 
 Massachusetts, made a note there, payable to B, of New Hampshire. B brought the 
 note to Vermont, and C, of Vermont, signed it as a joint maker. The note was dated 
 in Massachusetts. By the laws of New Hampshire and Massachusetts, the note was 
 entitled to grace ; by the law of Vermont, not. Held, that the note was to be consid- 
 ered as made and payable in Massachusetts. 
 
 (/) Supra, p. 396, notes d and / 
 
 (m) See the ca-ses cited supra, p. 397, note cj, as to the custom of banks in the Dis- 
 trict of Columbia to allow four days. 
 
 (w) See supra, p. 396, notes d and/'; Kilgore v. Bulkley, 14 Conn. 362, where Storrs, 
 J. said : " The question how far evidence of usage is admissible to show that, as to a 
 particular species of negotiable paper, it is entitled, not to the usual number of days 
 of grace allowed by the general law, but to a greater or less number, has received the 
 most deliberate consideration of our courts of the highest authority, especially on 
 commercial questions, and is most explicitly and decisively settled." Bowen v. Newell, 
 8 Kern. 290, 2 Duer, 584 ; City Bank v. Cutter, 3 Pick. 414, infra, p. 402, note z. 
 
 lo) Woodrufl' V. Merchants' Bank, 25 Wend. 673, where Nelson, C. J. said : " The
 
 400 NOTES AND BILLS. [CH. XI. 
 
 however, to this rule, is, that no evidence of usage can be allowed 
 to control the terms of any statutory enactment on the subject. (p) 
 The only remnant of the idea of favor wliich now attaches to 
 the days of grace is this : If a note or bill without grace falls 
 due on Sunday, or any recognized holiday, like any other con- 
 tract which is to be performed on that day,(^) it is not payable 
 until the next succeeding secular day, according to the weight 
 of authority, (r) because the payor cannot be compelled to do 
 
 effect of the proof of usage, as given in this case, if sanctioned, would be to overturn 
 the whole law on the subject of bills of exchange in the city of New York. We need 
 scarcely add, even if the witnesses were not mistaken, and the usage prevails there as 
 testified to, it cannot be allowed to control the settled and acknowledged law of the 
 State in respect to this description of paper." This case was affirmed in 6 Hill, 174. 
 The case of Brown v. Newell, 4 Seld. 190, is to the same effect. The only ground on 
 which these cases can be sustained is that the usage was not sufficiently proved. But 
 the courts did not seem to rest their decision on this ground. At any rate, so far as 
 the admission of evidence of a properly established custom is concerned, they are 
 overruled by the case of Bowen v. Newell, 3 Kern. 290. See supra, p. 399, note k. 
 
 (p) Perkins r. Franklin Bank, 21 Pick. 483. 
 
 (g) 2 Parsons on Contracts, 179. 
 
 (r) Salter v. Burt, 20 Wend. 20.5 ; Barrett v. Allen, 10 Ohio, 426, Lane, C. J. dis- 
 senting. The point was learnedly discussed, and elaborate opinions on both sides of the 
 question given, in Avery v. Stewart, 2 Conn. 69, where a majority of the court, con- 
 sisting of Swift, C. J , Trumbull, Smith, Brainnrd, Goddard, and Gould, JJ., decided 
 that a tender on Monday of the amount due on a note payable on Sunday, without 
 grace, was valid, Edinond, Smith, and Hosmer, JJ. dissenting. Gould, J. said : '• The 
 note in question became jjayable on Sunday. But payment on that day is prohibited 
 by law. The question, then, arises, whether the tender should have been made on 
 Saturday or Monday. It has been argued that the debtor in such a case must, at his 
 peril, pay or tender, at all events, within the time appointed. It would seem to mo 
 quite as reasonable to say that he cannot, in any event, be required to pay, nor thi 
 creditor to accept payment, before the time ap])ointed. It is true, as to contracts oi" 
 which days of grace are allowed, that if the last of those days is Sunday, payment 
 must be made on Saturday. But the allowance of grace was originally a mere indul 
 gence, wbicii it might be very reasonable to qualify with greater strictness than if it 
 had been demanflnble as a matter of right. At any rate, the allowance of grace is an 
 anomaly, and the rules resulting from it are, of course, not to be extended by analogy 
 Upon the whole, the doctrine whicb appears to me most reasonable is, that as Sunday 
 cannot, for tiie purpose of performing contracts, be regarded as a day, in law; it is, a* 
 to that purpose, to be considered as stricken from the calendar, though intervening 
 Sundays are doubtless to he counted as in all other computations of time; because 
 they are not appointed for the performance of any act. And this distinctit)n is analo- 
 gous to the modes of computation under the common rule for pleading in abatement.' 
 Iloumfr, J., in a dissenting opinion, said : " I have already observed, that the perform- 
 ance of tlie contract should be as near to the letter of it as it may be ; and that it will 
 be cfiually near, whether the day of payment is considered as being Saturday or Mon- 
 day. The other branch of my proposition is this, that it must not include a longer 
 period than the one which the contract expressly assumes. In otiier words, the panv
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 401 
 
 business on such a day, nor, in the case of Sunday, is it lawful 
 for him so to do. But if the last day of grace falls upon a holi- 
 day, the note or bill must be presented, in the absence of any 
 statutory provisions to the contrary, on the secular day next pre- 
 ceding the holiday, (s) even though the note be entirely deprived 
 
 promising must perform within the time prefixed. To enlarge the time of a contract 
 is jus dicere, non dare. If the contractor has appointed a day on which to perform, 
 when, by law, he cannot, he did it with his eyes open, with full knowledge that, unless 
 his agreement was void from the impossibility of performance, it could not be executed 
 on the day prefixed. What, then, is the reasonable consequence ? As the party prom- 
 ising knew that his contract could not literally be accomplished, and as he knew, like- 
 wise, that he must perform within the limits of the time assumed, he must have ex- 
 pected and intended to have fulfilled it on Saturday. This, in my judgment, is the 
 fair legal construction. If it wanted fortifying, it would derive it from the well-known 
 maxim, — a rule of some strictness and rigor, and the last to be resorted to, — that the 
 construction is to be most strong against the party promising." After referring to the 
 rule, that, when the last day of grace falls upon Sund#y, demand must be made on 
 Saturday, he proceeds : " Between a negotiable note becoming due on Sunday, and a 
 note not negotiable payable at the same time, I perceive a distinction, but no essential 
 difference. The construction, in my opinion, should be the same in both instances. 
 It cannot comport with public convenience that a different rule should prevail'ln cases 
 so very similar. It is much preferable that there should be one uniform rule on the 
 subject, than that a diversity should exist, which will embarrass mankind in their inter- 
 course with each other, and may be a fruitful source of error and litigation In 
 
 fine, in my judgment, one uniform rule of construction on the- point under discussion 
 is desirable. The person who promises to do an act must, at his peril, if there has no 
 impossibility arisen posterior to the engagement, perform within the time explicitly 
 assumed. If the contract is stipulated to be performed on Sunday, the legal construc- 
 tion is, that it shall be done on the preceding Saturday. This is agreeable to the usage 
 of merchants, in respect of bills of exchange and negotiable notes, — a usage not arbi- 
 ti-ary and founded on no reason, but bottomed on common sense and common law; 
 and in this opinion I am more deeply confirmed, since no case has been adduced to 
 show that a person has been allowed a period to perform in, beyond the express limita- 
 tion of his contract." See also Sands v. Lyon, 18 Conn. 18; Staples ;;. Franklin Bank, 
 1 Met. 4.3, 47. Shaw, C. J. The only decision to the contrary, in the case of notes, is 
 Osborne v. Smith, 14 Conn. 366, note, infra, p. 402, note u. But with regard to other 
 contracts, it will be seen that there is a conflict of authority. 
 
 (s) In Tassell v. Lewis, 1 Ld. Eaym. 743, it is said : " But if it happens that the 
 last of the said three days is Sunday, or great holiday, as Christmas day, &c., upon 
 which no money used to be paid, then the party ought to demand the money upon the 
 second day ; and if it is not paid, he ought to protest the bill the said second day, 
 otherwise it will be at his own peril, for the drawer will not be chargeable." Bussard 
 u. Levering, 6 Wheat. 102; Barker v. Parker, 6 Pick. 80; Jackson v. Richards, 2 
 Caines, 343 ; Lewis v. Burr, 2 Caines's Cas. 19.5 ; Spencer, J., Griffin v. Goff, 12 Johns 
 423 ; Ontario Bank v. Petrie, 3 Wend. 4.56 ; Cuyler v. Stevens, 4 id. 566 ; Ransom w. 
 Mack, 2 Hill, 587 ; Sheldon v. Benham, 4 id. 129 ; Sheppard v. Spates, 4 Md. 400; 
 Offut V. Stout, 4 J. J. Marsh. 332 ; Fleming v. Fulton, 6 How. Miss. 473 ; Barlow v. 
 Planters' Bank, 7 id. 129 ; Homes v. Smith, 20 Maine, 264, where a demand made on 
 
 Vol. I.— 2 A
 
 402 NOTES AND BILLS. [CH. XL 
 
 of grace by three succeeding holidays. (^) Tliis question, it may be 
 remarked, like all others connected with the subject of grace, is 
 dependent upon the law or the usage of tlie place where the note 
 or bill is to be presented. (w) In case the holidays intervene, they 
 are to be treated as any other day.(y) Sunday has been treated 
 as a holiday in England with respect to the days of grace on for- 
 eign bills from the time of Lord Holt, (it;) and it has since been 
 extended equally to inland bills and promissory notes. (x) 
 
 Before any statutory provisions concerning them, the fourth 
 of July,(?/) and Commencement-day at Harvard University in 
 Massachusetts, (2) have been recognized as holidays by the courts. 
 
 Sunday itself was held a day too late, and an indorser was discharged. See Avery v. 
 Stewart, 2 Conn. 69, stipra, p. 400, note r. 
 
 {t) In Dabney v. Campbell, 9 Humph. 680, the last day was Sunday. Saturday 
 was New- Year's day, and the demand was made on Friday. Neither counsel nor court 
 made any objection to it. 9he case, however, which was decided for the defendant, 
 an indorser, turned on another point. 
 
 (u) Blodgett V. Durgin, 32 Vt 361 ; Kilgore v. Bulkley, 14 Conn. 362, which was 
 a case on a certificate of deposit which fell due by its terms on Sunday. As it was 
 pavable in New York, it was held to be governed by the law of that place, as to the 
 proper day of presentment. Evidence was offered by the defendant to sliow that 
 grace was there allowed, and by the plaintiff that it was not allowed. The evidence 
 had been objected to. On the question whether Saturday was a proper day for pre- 
 sentment, the plaintiff introduced evidence of usage, and also a report of the case 
 of Osborne v. Smith, 14 Conn. 369, note, decided in the Superior Court of New 
 York city. The defendant objected to all this evidence, and introduced testimony to 
 prove that the custom was to make the demand on Monday, and also a report of the 
 case of Salter v. Burt, 20 Wend. 205, decided in the Supreme Court of New York. 
 The jury found for the plaintiff. Held, that the evidence and decisions were properly 
 admitted, and that the instruction given by the presiding judge, that the decision of the 
 Supreme Court was entitled to greater weight than that of the Superior Court, but 
 that neither was conclusive, was correct. 
 
 (v) Sec Avery v. Stewart, 2 Conn. 69, supra, p. 400, note r. So if the day the note 
 is due, on its face, is Sunday. Woolcy v. Clements, 11 Ala. 220. 
 
 (?/;) In Tas.sell v. Lewis, 1 Ld. Kaym. 743, " Mercliants, in evidence at a trial in 
 Guildhall, Trin. 7 Wni. III. (1696), licfore Holt, C. J., swore the custom of merchants 
 to be such, whicli was approved by /loU, C. J." 
 
 (x) Kent, C. J., Jackson v. Ridiards, 2 Caines, 343. It would seem always to have 
 been so considered in the United States. 
 
 (y) Lewis v. Burr, 2 Caincs's Cas. 19.5 ; Cuyler v. Stevens, 4 Wend. .566; Ransom 
 V. Mack, 2 Hill, 587 ; Sheldon v. Bcnham, 4 id. 129. 
 
 (z) In City Bank v. Cutter, 3 Pick. 414, it was held that, though this day was not a 
 legal holiday, yet a usage of any bank, in respect to notes falling due tliat day, to make 
 a demand and to .send notice the day previous, will bind an indorser, conusant of that 
 usage, of a note discounted for him at the Itank ; and whether the note was payable at 
 the bank or not is immaterial. In this case the note was payable on that day, and a 
 detriiind made tlii; day pnjvioiis. The indorser was held.
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 403 
 
 Now, ill most of the States, there are statutes spccihcally de- 
 scribing holidays, and prescribing the practice with regard to 
 them; (a) but independently of these, usage would determine 
 whether any day was to be so regarded, and also the regulations 
 concerning it.{h) 
 
 {(i) In Alabama, Sunday, Jan. 1st, and July 4th are established holidays. Code, 
 18.52, p. 317. In Arkansas, Sunday, July 4th, Dec. 2.5th In California, Sunday, 
 Jan. 1st, July 4th, Dee. 25th. Wood, Dig., 1858, p. 74. In Connecticut, Sunday, July 
 4th, Dec. 25th, Thanksgiving and Fast days. R. S. 1854, p. 694. 
 
 In Georgia, Sunday, Jan. 1st, July 4th, Dec. 25th, Fa.st and Thanksgiving days. 
 Cohh, New Dig., 1851, p. 522. In Illinois, Sunday, Fourth of July, Christmas, New 
 Year's day. 111. Stats., ed. 1858, p. 119. 
 
 In lown, Sunday, Jan. 1st, July 4th, Dec. 25th, Fast and Thanksgiving days. Re- 
 vision of 1860, p. 320. 
 
 In Louisiana, Sunday, Jan. 1st, Jan. 8th, Feb. 22d, July 4th, Dec. 25th, Good Fri- 
 day. These are called " days of public rest." R. S. 1856, p. 44. 
 
 In Maine, Sunday, Feb. 22d, July 4th, Dec. 25th, Fast and Thanksgiving days. 
 R. S. 1857, p. 273. 
 
 In Massachusetts, Sunday, Feb. 22d, Julj' 4th, Dec. 25th, Fast and Tlianksgiving 
 days. Gen. Stats. 1860, p 294 
 
 In Minnesota, Sunday, Jan. 1st, July 4th, Dec. 25th, Fast and Thanksgiving days. 
 Stat. 1858, p. 376. 
 
 In Missouri, Sunday, Jan. 1st, July 4th, Dec. 25tli, Thanksgiving. R. S. 1855, p. 
 298. In New Hampshire, Sunday, July 4th, Fast and Thanksgiving days. Laws of 
 1857, p. 187. In Neiv Jersey, Sunday, Jan. 1st, July 4tli, Dee. 25th. Nixon, Dig. 
 1855, p. 669. In Neiv York, Sunday, Jan. 1st, July 4th, Dec. 25th, Fast and Thanks- 
 giving days. R. S. 1852, p. 181. 
 
 In Ohio, Sunday, Jan. 1st, July 4th, Dec. 25th, Thanksgiving. Laws, 1857, p. 76. 
 
 In Rhode Island, Sunday, Jan. 1st, July 4th, Dec. 25th, Thanksgiving and Fast 
 days. R. S. 1857. 
 
 In Tennessee, Sunday, Jan. 1st, July 4th, Dec. 25th, Fast and Thanksgiving days. 
 Code, 1858, p. 400. 
 
 In Vermont, Sunday, Jan. 1st, July 4th, Dec. 25th, Fast and Thanksgiving days. 
 Comp. Stat. 1850, p. 443. 
 
 In Wisconsin, Sunday, Jan. 1st, July 4th, Dec. 25th, Thanksgiving. Gen. Laws, 
 I860, p. 224. 
 
 In the following States the demand must be made on the business day ne.xt preccd- 
 mg any holiday, — Alabama, Arkansas, California, Georgia, Louisiana, Massachusetts, 
 Minnesota, Missouri, New Hampshire, New Jersey, New York, Ohio, Rhode Island, 
 Vermont. In the following States, on the first business day next succeeding, — Con- 
 necticut, Wisconsin. In Elaine, where a holiday falls on the last day of grace, de- 
 mand must be made the business day next before the holiday. If on the last, and 
 also on the second, it should be made the next succeeding business day. In Ver- 
 mont, the regulations affect contracts on which no grace is allowed equally with 
 those which are entitled to that indulgence. 
 
 (6) City Bank v. Cutter, 3 Pick. 414, supra, notes. In Adams v. Ottcrback, 15 
 How. 539, a bank which had been accustomed to make presentment of paper dis- 
 counted on the day after the third day of grace, attempted to set up a usage to make 
 picscntment on IMonday, when Sunday was the fourth day ; but as the only eviden^'e
 
 404 NOTES AND BILLS. [CH. XL 
 
 It is settled that, if the maker is entitled to grace, the indorser 
 has tlie same privilege ; (c) and also that, if the indorser has the 
 right to consider the days of grace as a part of the contract, the 
 maker has also ; (d) though an opinion seems formerly to have 
 been entertained, that grace only applied as regards an indorser, 
 and that the maker was liable as soon as the note fell due, ac- 
 cording to its terms ; (e) but there is no modern authority to this 
 efifect, and no usage that we are aware of. 
 
 As to the kinds of instruments entitled to grace, the rule, as 
 supported by the weight of authority, is, that all negotiable notes 
 and bills, except those payable on demand and those in wliicli an 
 intention to exclude grace is apparent on the face, are entitled to 
 tiiis indulgence. (ce) And if a note is payable by instalments which 
 fall due on fixed days, with interest, each payment is entitled to 
 grace. (?/) 
 
 There may still be some doubt with reference to bills payable 
 at sight, for the law on this point can hardly be said to be in a sat- 
 isfactory state. In England, there has been as yet no authorita- 
 tive decision, though the inclination of the authorities appears to 
 be in favor of the allowance.(/) In this country, the weight of 
 
 (jf this usage consisted of four instances within two years, it was held not to be snf- 
 ticiently established. In Dabney v. Campbell. 9 Hinniib. 680. evidence was introduced 
 of a usage of the banks in Memphis and Nashville to regard New-Year's day as a 
 holiday. The judge, at Nisi Prius, charged the jury that a demand the day jirevious 
 was not sufficient to charge an indorser, unless he had express knowledge of the usage, 
 or previous dealings with the bank from «hich such knowledge could lie inferred. 
 Held correct, and a verdict for the defendant was sustained. The plaintiffs contended 
 that the defendant, liaving dealt with the bank, was bound by the usage, whether he 
 lind knowledge or not. Grccii^ J. said: "The custom proved in this case is not one 
 by which all the notes negotiated in this bank are regulated, l)Ut it is a custom appli- 
 c.'ible to only one day in the year. In the natu7-e ot things the cases on which this 
 usage has been actc(l on must be com])aratively few ; actual knowledge of it cainiot, 
 therel'ore, lie reasonably inferred, even in rebition to haliitual <leal(!rs in the bank. Hut 
 that a man who is not proved to have riealt at ail with the bank heretofore shall be hehl 
 hoimd by such usage, is to subvert altogether the origiiud principle of the cases, and to 
 fiulistitule the usa^c of n bank as the law of the contract, in opposition to, and disre- 
 gard of. the general law." 
 
 (<•) I'ickiinl II. Valentine, i;5 Maine, 140; Central Hank v. Allen, 10 id. 41. 
 
 (d) Love p. Nelson, Mait. ct Y. :i:}7 ; llogan v. Cuyler, 8 Cowcn, :20.3. 
 
 {(;) Jarvis /'. McMain, .'i Hawks, 10 (IS'24). In both cases cited snju-n^ note (?, the 
 judges at Nisi I'riiis instructed the juries to the same effect, Imt the courts above de- 
 cided that the instructions were erroneous. 
 
 {f:t:) In (California it is held imder the statute, that notes on dcmaiul are entitled to 
 three days of grace;, beginning after the ilay <d' demand. I'ell v. Sackett, .'iS l^al. 407. 
 
 {/■/) So belli in Mussaibnsetts. in Collin /'. Loring, .') Allen, 15.'). 
 
 (/) In Deliers )'. Harriot, 1 Show. l(i;i, 104, note (I0'.)2), all the merchants agreed 
 "tluit, if therfr were an acceptance, the prote-^t must be at tlie lUty of jiaynuMit; if at 
 Kight, then ut the third day of grace." In Coleman v. Sayer, 1 Harnard. .30.3 (1728), 
 one of the <|uestionH was " whetliei- ibe three days of grae(; are allowable by the custom 
 of l.rindon, as well where a bill is piMiiMe al ceitain diiys alter si;;lit, as well as where
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 405 
 
 authority is ou the same side, but the decisions are conflicting. (^'■) 
 Undoubtedly usage would determine the question in any particu- 
 
 it is payable upon sight. The Chief Justice said the days of grace were allowable in one 
 case as well as the other." In Janson v. Thomas, 3 Doug. 421 (1784). it was ol>jecte<' 
 by the defendant, that the bill, which was at sight, was unstamped. It was answered, 
 that the stamp act excluded bills on demand, and that bills at sight should come within 
 the operation of the act. Held, for the defendant, that the bills should have been stamped. 
 Lord Mansjield said : " I believe there is great doubt as to the usage about the three 
 days' grace." Bidkr, J. said : " In a case before IViUes, C. J. (1743), a special jury cer- 
 tified that, on bills at sight, three days were allowed. That was an action on an in- 
 land bill. I know that now they differ about it in the city, but in general it is taken." 
 In Dixon v. Nuttali, 1 Cromp. M. & R. .307 (1834), the point arose, but the court 
 thougiit it unnecessary to express any opinion upon it." In Webb v. Fairmaner, 3 
 M. & W. 473, 474, Bolland, B., interrupting counsel, said : " In the case of a bill paya- 
 ble at sight, it has been decided over and over again, that the holder cannot sue upon it 
 until after the expiration of the third day after sight." 
 
 (g) The cases allowing grace are Hart v. Smith, 15 Ala. 807, where Dargan, J. 
 said : " I am free to confess that my opinion, untrammelled by authority, would incline 
 me to hold that a bill of exchange, payable at sight, is not entitled to days of grace." 
 But after citing the English authorities, and the opinions of text-writers, adds : " Under 
 the influence of these authorities I feel constrained to hold that a bill payable at sight is 
 entitled to days of grace." Lucas v. Ladew, 28 Misso. 342. In ISiimick v. Martin, 
 1 Monthly Law Mag. 15, 17 West. Law J. 380, Strawhridge, J. said : " On the abstract 
 question, I have not now, nor have I for thirty years, had the least doubt." He then cites 
 the opinions of Kent, Bayley, and Chitty with approbation, and adds : " If we were at 
 liberty to examine into the reason of the thing, it would seem much stronger in favor 
 of a sight draft than of one at sixty days or six months, where all reason fails." Contra, 
 Trask v. Martin, 1 E. D. Smith, 505, Ingraham, J. dissenting. Woodruff, J., delivering 
 the opinion of the court, said: "However such allowance originated, whether in the 
 indulgence of the holder or otherwise, it became at last the right of the drawee. But it 
 is in contradiction of the terms of the bill, and a departure from its plain import. So 
 far as the usage allowing such departure has ripened into law, so far as this departure 
 lias been recognized and approved, so far, and so far only, should it prevail against the 
 otherwise obvious meaning of the language. The language of a bill of exchange payable 
 at sight requires that it should be paid when exhibited to the drawee. Is it payable ac- 
 (fording to its purport, or does that usage, which has now become law, embrace such a 
 bill, and alter its otherwise legal meaning? Prima facie, as already remarked, the 
 language of the bill should govern. This rule of construction is applicable as much 
 to commercial contracts as to any others. If the language is to be controlled and modi- 
 fied by usage, it may be, 1st, by a usage so ancient and so universal as to form a part of 
 the general law applicable to the subject, or, 2d, as usage of a particular place, uniform 
 witiiin its limits, creating an exception to the general rule, and to be ascertained by in- 
 quiry and proof Nothing, therefore, can be inferred respecting bills payable a^ sight 
 
 from the conceded fact that bills payable after sight or after date, or at a future day, have 
 days of grace, so long as it is no less clearly settled that bills payable on demand, or 
 without any day of payment named therein, have no days of grace. On the contrary, 
 if analogy furnished any guide, we should say that the terms 'at sight' no less de- 
 cide Jly indicated on the very instant, than 'on demand,' and there would seem to be no 
 more reason for allowing days of grace in the one case than in the other." The judge
 
 106 NOTES AND BILLS. [CH. XL 
 
 lar case, ar.d it has been so held. (A) The opmioii of some of 
 the older writers was for the exclusion of grace, (i) but this is not 
 so with the majority of modern authors who have treated of the 
 subject. (j) In many of the States statutes have been passed, 
 
 frocs on then to state that the case had been argued entirely apart from any local usage 
 in New York, and that the general usage with reference to bills at sight was so un- 
 certain, and its recognition so doubtful, that it could not be taken to contradict the im- 
 port of the language of the bill itself The cases cited supra, p. 404, notey^ were criti- 
 cised, and their authority denied. The opinions of the text-writers weie commented upon 
 at length, and the authority of Beawes and Kyd especially relied upon. He then adds •. 
 " My conclusion is, that the language of the instrument, in the absence of any settled 
 legal principle modifying its import, must govern the court in determining its meaning 
 and effect. And that there is no known recognized usage which the court, as a matter 
 of law, can say has given to such bills the allowance of days of grace." So far as the 
 reason of the thing is concerned, we should be inclined to adopt the opinion of Straw 
 bridtje, J., cited above. It has been stated that grace probably had its origin in the 
 fact that the goldsmiths, who were the early bankers, used to make their paj^mcntR 
 in bars of gold and silver, and often would require some time in order to have a sufli 
 cient weight at the place of payment to meet the demand. This of course would apply 
 with all the more force to those bills the time of whose presentment was uncertain, as 
 is the case with bills at sight; so that whenever a goldsmith stipulated that a bill 
 should first be shown to him, he also stipulated that a reasonable time should be al 
 lowed him within which to prepare to meet it. With respect to analogy, it is clcai 
 that, granting there is a difference between a sight bill and one on demand, the formei 
 bears a closer resemblance to a bill at one day's sight, which is without any doubl 
 entitled to grace, than the latter, which is not. The distinction between these two 
 kinds of instruments has always been clearly defined, and one objection to the decision 
 in Trask i:. Martin is, that it tends to obliterate the line which has been drawn between 
 them. With regard to the criticisms on the English authorities, although it will be 
 conceded that none of them is authoritative, yet they are all evidence to show what the 
 custom of merchants formerly was; and the opinion of "all the merchants" in the 
 case in Shower, of the " special jury" in the case tried before Miller^ C. J., is certainly 
 etititl(;<l to great weight on this point. As regards the contradiction of the language 
 of the bill, it would seem that this argument might have been used with greater force 
 at the early period in the law of notes and bills than at present, and that, instead of 
 being necessary to show by usage that a note or bill is entitled to grace, it would seem 
 to be more in accordance with the spirit of modern law, as stated in the cases cited 
 xu/mi, p. .396, notes d and f. that the burden of i)roof is upon the i)arty seeking to de- 
 I)rivc any kind of negotiable instrument of grace, to prove either a usage or law to that 
 effect. If this were not so, it is conceived that grace could never be allowed, "xcept 
 on paper whicli is aircatly entitled to it. 
 
 (h) Strijwbn'tjiffi, J., Nimick v. Martin, 1 U. S. Monthly Law Mag. 1,5, 7 Wes*^. Law 
 .Tourn. .3S0, in the District ('ourt of New Orleans, Nov. 1849. 
 
 (I) Beawes, pi 2.'J2, a.'ifi ; Glen, 119, citing Lav. torn. I, liv. 3, c. 5 ; Scarlett, C. 16, 
 R. 8; Johnson, 9; Joiisse di; rOrdonntincc IfiTI, 78; Kyd, 10; Pothier, 172. 
 
 ( /) Bayley, 23.T (Am. c<\. 18:!fi) ; Byles, 162. says : " The weight of aiithori'iy has 
 I»ecn considered to incline in favor of such allowance." Ohitty, 258, 261, 10th T^ond. ed.; 
 ICdwurds, 52.3 ; Forbes, 142 ; .3 Kent, Com. 102 ; Sclw. N. V , Bills of Kr-,ch 6 ; PMnnh,
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 407 
 
 owing to the uncertainty of the law ; some of them admit- 
 ting,{k) others excluding grace. (/) 
 
 Grace has never been extended to notes and bills on de- 
 mand, (/») but there are statutoiy regulations concerning this also 
 in several States. (/i) 
 
 If a note be payable by instalments, the days of grace are 
 allowed on each instalment. (o) A note payable the first day of 
 May, "• fixed," has been held not entitled to grace, the signifi- 
 cation of the word " fixed " being construed to be " without 
 grace. "(/>) This meaning has not been applied to the words 
 " without defalcation." (^) 
 
 A bank-check ordinarily is not entitled to grace ; but whether 
 it is entitled to the allowance or not when post-dated, or when its 
 terms are the same with those of a bill of exchange, is yet unset- 
 tled, the authorities being in a state of conflict, (r) Grace has 
 been allowed on bank post-notes,(5) and there seems to be no rear 
 
 Merc. Law, 249, 5th Lond. ed. ; Story on Bills, § 342 ; Viner, Abr., Bills of Exch. B. 
 Thompson expresses no opinion. So 1 Bell, Com. 416. 
 
 (k) Alabama, Arkansas, Indiana, Louisiana, Maine, Massachusetts, Michigan, Min- 
 nesota, New Hampshire, North Carolina, Ohio, Oregon, South Carolina, Texas, Wis- 
 consin. See supra, p. 393, notes b, c. 
 
 (I) California, Minturn v. Fisher, 4 Calif. 35 ; Delaware; Georgia, Freeman v. Ross. 
 15 Ga. 252 ; Missouri, Lucas v. Ladew, 28 Misso 342 ; New York ; Pennsylvania, Laws 
 of 1857, p. 630; Rhode Island, R. S. 1857, p. 278; Tennessee, Code, 1858, p. 400, 
 Vermont. See supra, p. 393, notes b. c. 
 
 (m) Cammer v. Harrison, 2 McCord, 246 ; Smith v. Bythewood, Rice, 245 ; Luckey 
 I'. Pepper, Morris, 490. See Freeman v. Ross, 15 Ga. 252 ; Cowen, J., Harker v. An- 
 derson, 21 Wend. 372 ; Woodruffs. Merchants' Bank, Nelson, C. J., 25 id. 673 ; Parke, 
 B., Oridge v. Sherborne, 11 M. & W. 374. 
 
 («) In the following States grace is expressly denied by statute, to notes and bills on 
 demand : Maine, Massachusetts, Michigan, Minnesota, New Hampshire, North Caro- 
 lina, Vermont, Wisconsin. See supra, p. 393, notes b, c. 
 
 (o) Oridge v. Sherborne, 11 M. & W. 374. See Carlon v Kenealy, 12 id. 139. 
 
 {p) Durnford v. Patterson, 7 Mart. La. 460, where the opinion of Febrero is cited 
 to show that " fixed " means " without grace," and that of Jousse, that it is super- 
 fluous. 
 
 (?) McDonald v. Lee, 12 La. 435. 
 
 (r) Infra, chapter on Checks, vol. ii., p. 69. 
 
 (s) Sturdy v. Henderson, 4 B. & Aid. 592 ; Staples v. Franklin Bank, 1 Met. 43 ; 
 Perkins v. Franklin Bank, 21 Pick. 483. These last two cases were decisions under a 
 statute which jirovides that on all promissory negotiable notes payable at a future 
 day certain, in which there is not an express stipulation to the contrary, grace shall 
 I'C allowed ; but as this appears to be nothing more than an cnat^tment of or recog- 
 nition of the common law on the subject, the authorities would apply etiually where 
 tliere are no statutory provisions.
 
 408 NOTES AND BILLS. [CH. XL 
 
 SOU w liy the same should not be applicable to certificates of de- 
 posit payable oii time ; but the law with reference to this last 
 kind of instrument is yet unsettled. (^) Whether notes payable 
 to a particular person without the words " or order," are entitled 
 to grace or not, is likewise unsettled. (m) A similar uncertainty 
 exists as to sealed notes. (v) The maker may stipulate that a 
 note or bill shall be paid without grace. Such a stipulation may 
 be in any form of words which convey the idea that the instru- 
 ment is to be payable without grace, as by using the words in the 
 body or on the margin " without grace," " no grace," " free of 
 grace," or any other circumlocution which would indicate to the 
 holder that it is payable on the day fixed. (i^;) 
 
 So in the case of au acceptance, where it is apparent from the 
 terms of the writing that the acceptor in designating the day of 
 payment intended to include the days of grace, the day men- 
 tioned is the peremptory time for presentment, without any ad- 
 ditional allowance. Thus, where a bill at sixty days' sight is 
 accepted September 14, payable November 16, the demand must 
 be made on this last date in order to charge a drawer or in- 
 dorser ; if made three days later, he would be discharged. (ri;) 
 The words, however, to have the effect of cutting off the days of 
 grace, shoidd fairly express tliat intent without ambiguity. (y) 
 
 With regard to the method of computing the time, as has 
 
 (t) See Kilffore v. Bulkley. 14 Conn. 36->, supra, p. 402, note u. 
 
 («) Grace is allowed in En<;lan(l, the note being: considered a negotiable one within 
 the statute of Amu; Smith v. Kendal, 1 Pjsp. 231, nom. Smith v. Kendall, 6 T. H. 
 123. Such would inoliahly l)e the rule in New York. Downing v. Baekenstoes, 3 
 Caincs, 137; Goshen & Minisink Turnp. Road v. Ilurtin, 9 Johns. 217; Dutchess 
 Cotton Manuf. v. Davis, 14 Johns. 238. Rut in Connecticut such a note, not being 
 considiTcd negotiable within the statute of that State, is not entitled to grace. Avery 
 V. Stewart, 2 Conn. 69 ; Backus i'. Danforth, 10 Conn. 297. 
 
 (v) In Love v. Nelson, Martin & Y. 237, it was held that a sealed note was entitled t( 
 grace. But the contrary was held in Jarvis v. McMain, 3 Hawks, 10, and Fields v. 
 Mallett, 3 Mawks, 46."). In both North Carolina and Tennessee, where these cases 
 were decided, sealed notes are put on the same footing as others by statute. 
 
 (w) Shaw, C. J., Perkins v. Franklin Bank, 21 Pick. 483. 
 
 (x) Kenner v. Creditors, 19 Mart. La. 5-JO, 20 id. 36, 1 La. 120. And if there is no 
 date to the acceptance it may be shown by parol. Ibid. 
 
 (»/) See Hu/ira, p. 407, notes j), </. In Perkins v. Franklin Bank, 21 Pick. 483, the 
 note, dated December 7th, 1836, was payable in seven months, with interest "until due 
 ftiul no intiTcHt aftir." On tlie margin were written the words, " Due July 7th, lb37." 
 It wait contended ihiit ibis amounted to a stipulation that there should be no grace 
 but the court ImIiI oihcrwise.
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 40ft 
 
 already been remarked, (sr) the date is always excluded. Thus, 
 in case of a note dated January 1st, payable in one month, ex 
 eluding the date, and including the last day of the month, the 
 note would be demandable, without grace, on February 1st, and 
 with grace, counting this date as the first day, demand should 
 be made on February 4th. 
 
 Tlie same method is used in computing the time when the 
 note is payable at a certain number of days after siglit or date. 
 Tiius, in case of a note dated June 1st, payable at ten days 
 after date, excluding the date, the note would be payable June 
 11th. Adding the three days of grace, the note would be paya- 
 ble June 14th, and payment should be demanded on that day. 
 
 Where a note is payable at a fixed date, as October 1st, the 
 days of grace are simply added, and consequently the demand in 
 such case must be made on October 4th. As we have already 
 seen, (a) the word " month " in the law of notes and bills always 
 means a calendar month, and no allowance is to be made for 
 their different lengths. But where a note is made on the last 
 day of one month which has a corresponding day in the month 
 when the note is due, the day after this corresponding day is to 
 be considered as the first day of grace. Thus, where a note is 
 dated September 30th, payable in one month from date, it must 
 be demanded November 2d.{b) Where a note is dated on the 
 last day of a month which has no corresponding day in the 
 month when it is due, the doctrine of cy-pres (or '' as near as 
 may be ") applies, by which the last day in the latter month is 
 taken, as the neai-est approximation, for the day before the first 
 day of grace. Thus, a note for one month, dated January 28th, 
 29th, oOth, or 31st, must in ordinary years be demanded on 
 March 3d ; and in leap years, if it is dated January 28th, it 
 must be demanded on March 2d, because in such case there is 
 a day in February corresponding to the day of the month on 
 which the note was made.(c) If a note has an impossible date, 
 as September 31st, where the time of delivery is not shown, the 
 note is considered as dated on the last day of the month, which 
 
 (z) Supra, p. 385, note v. 
 
 (a) Supra, p. 384, note s. 
 
 (b) See Wagner v. Kenner, 2 Rob. La. 120. 
 
 (c) See Wagner v. Kenner, 2 Rob. La. 120; where 6 Dalloz, Jur. du Roy., tit 
 Effete Je Comin., § 4, 2, is cited and approved ; Wood v. Mullen, 3 Rob. La. 395. 
 
 VOL. I. 35
 
 410 NOTES AND BILLS. [CH. XL 
 
 in the case supposed would be September 30th ; and, if payable 
 at six mouths from date, has been held demandable on April 
 2d.(^) The precise day upon which a note or bill falls due and 
 is payable need not be averred in the declaration. It is suffi- 
 cient to state a presentment at the time of maturity according 
 to the tenor and effect of the instrument. (e) But if, on com- 
 parison of its terms and the time- as stated under a videlicei, the 
 latter happens to be erroneous, it may be rejected as surplusage, 
 and the declaration will still be good.(/) 
 
 Where by special custom a demand may be made on any other 
 day than the third day of grace, such custom should be averred 
 and proved. (i^-) 
 
 A question has arisen, whether the maker of a note is liable to 
 be sued before the expiration of the last day of grace, and tlie de- 
 cisions are conflicting. In some States it has been held that a suit 
 brought on the third day was premature, the courts there adopt- 
 ing the general rule with reference to other contracts, that, where 
 a day is appointed for the payment of money, tlie payor has the 
 whole of the day down to the last moment in which to tender 
 the money. (i) But many courts have made a distinction in 
 
 {d) Wagner v. Kenner, 2 Kob. La. 120, wliere a demand, on April 3d, was held too 
 late, and the indorser was discharged. 
 
 (fi) Bynner v. Russell, 7 J B. Moore, 266. 
 
 ( /■) Bynner v. Kussell, 7 J. B. Moore, 266, where the declaration averred a pre- 
 sentment of a bill when it "became due and payable according to the tenor and effect 
 thereof, to wit, on March 31st, 1822." A special demurrer, assigning for cause that 
 March 31st was Sunday, was overruled, and judgment entered for the plaintiff. So, 
 " to wit, on June 2d, 1848," when the note was payable May fith. Frank o. Townsend, 
 9 Humph. 724. In this last case the defendant pleaded non assumpsit. In Weils f. 
 Woodley, h How Miss. 484, tlic averment was, " to wit, on Feb. 28th," when the 
 note WHH payable Jan. 29tli. Held suflicient, after judgment by default. 
 
 (</) Jackson v. Henderson, 3 Leigii, 196. 
 
 (() Lord Kniipii, C. J., Leftley r. Mills, 4 T. R. 170; Wiggle i;. Tliomason, 11 
 Smedes & M.. 4.')2 ; Walter v. Kirk, 14 111. 5.5. In Randolph v. Cook, 2 Port. Ala. 
 286, the point decided was, that the defendant might take advantage of the fact that 
 suit was brought on a note before it was due, by writ of error, after appearance and 
 judgment by nit (licit. The counsel for the plaintiff did not object that the suit was 
 prcinatiircly brought, but only that the objection was taken too late. The court said 
 that it wu.s unnecessary to examine the cpiestion whether the suit was premature or not. 
 But in a previous case. Crenshaw v. M'Kiern.'ui, Mitior, 29."), C/en.s/ifiw, J. said : "I 
 take it to be a correct doctrine, that, if payment is refused when a note or bill is pre- 
 sented on the day of payment, the liolder is not bound to wait imtil the last moment of 
 that day, but may forthwith give notice, and take any nvpiisite step to make the drawer 
 and indorser liable " In Wiggle; v. Thoinason, 11 Smedes & M. 4.')2, i». was held t\iai
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 41} 
 
 reference to negotiable notes and bills, (j) resting upon two rea- 
 sons. One is, that a protest, which can clearly be made on the 
 third day, presupposes a default in payment, and if there has 
 been such default in the maker, the right of action must be con- 
 sidered as having accrued at that time.(/i:) Another reason given 
 is, that grace was originally a matter of indulgence, and might 
 be shortened, while in ordinary contracts it has always been the 
 right of the payee to make a tender at the last moment of the 
 day specified. (/) 
 
 The same question has been similarly decided with reference 
 to the liability of an indorser, there being no distinction between 
 the two classes of cases in this respect, (m) One objection which 
 
 the maker could not sue till after the third day, and Love v. Nelson, Mart & Y. 237, 
 is cited as an authority. The head note in this case lays down the same doctrine, but 
 nothing of the kind was decided. The decision is, that, in Tennessee, the maker of a 
 sealed note is entitled to grace. In Thomas v. Shoemaker, 6 Watts & S. 179, the 
 last day of grace was Sunday. An action brought on Saturday was held premature. 
 See Bank of Utica v. Wager, 2 Cowen, 712, 766, Savage, C.J. In Osborn v. Moncure, 
 3 Wend. 170, it was held that the maker is not liable before the expiration of the third 
 day, and if he is sued before that time, that advantage may be taken of the error by 
 nonsuiting the plaintiff. In Hopping v. Quin, 12 Wend. 517, it was held that an attor- 
 ney could not recover of a client costs or money advanced in a suit on a note brought 
 on the last day of grace. Savage, C. J. said : " It was the duty of the plaintiff to have 
 known that a suit could not be brought on the last day of grace, and his bringing, such 
 suit must be imputed either to negligence or ignorance ; in either case it lays no 
 foundation for an action against his client, who has been the sufferer. "^ 
 
 ( /) The cases which decide that a maker may be sued before the end of the third 
 flay are Wilson v. Williman, 1 Nott & McC. 440; McKenzie v. Durant, 9 Rich. 61 ; 
 Coleman v. Ewing, 4 Humph. 241 ; Greeley v. Thurston, 4 Greenl. 479, but the plain- 
 tiff was, in this case, nonsuited, because there was no evidence of any demand ; Limt 
 V. Adams, 17 Maine, 230; Veazie Bank v. Winn, 40 id. 62; Staples v. Franklin Bank, 
 1 Met. 43; Vandesande v. Chapman, 48 Maine, 262. 
 
 {k) Bailer, J., Leftley v. Mills, 4 T. R. 170. In Staples v. Franklin Bank, 1 Met. 
 43, Shaw, C. J. said : " On the whi-ile, we think the weight of authority is in favor 
 of the conclusion to which we have come ; and if it were a new question, it seems to 
 follow, on legal principles, as a fair and legitimate conclusion from the established fact 
 that the contract of the acceptor or maker is broken by a neglect or refusal to pay on 
 demand, within reasonable time, on the last day of grace, that the holder may then 
 have his remedy by action." 
 
 (I) Turley, J., Coleman v Ewing, 4 Humph. 241. 
 
 (m) Thus, in the following cases, it was held that the indorser was liable to a 
 suit before the end of the third day. Park v. Page, at Nisi Prius, before Parsons, 
 C. J., in 1808, cited in 1 Met. 48; Shed v. Brett, 1 Pick. 401. See New England 
 Bank v. Lewis, 2 Pick. 12.5; City Bank v. Cutter, 3 id. 414, where a tender of the 
 amount of the face of a note, by the indorser, on the day succeeding the third day, 
 was held bad, because interest was not included. See Boston Bank v. Ilodgcs, 9 id. 
 42o , Church v. Clark, 21 id. 310 ; Whitwell v. Brigham, 19 id. 117 ; Flint v. Rogers,
 
 412 NOTES AND BILLS. [CH. XI 
 
 has been urged against a suit against an indorser before the end 
 of the third day, which does not apply where the maker is sued 
 under similar circumstances, is, that in many cases the indorser 
 could not get the notice in time to be of any service to him.(/t) 
 But the answer to this is, that the holder, by presenting at the 
 proper time, and depositing the notice in the usual and proper 
 conveyance, has done all that could be required of him in the 
 way of exercise of due diligence ; that the contrary rule would 
 create great uncertainty, because the right of action would ac- 
 crue at different times, according to the distance of the party 
 sued, and the time must often be left to conjecture ; and if a 
 
 15 Maine, 67 ; Dennie v. Walker, 7 N. H. 199, by Upham, J., who said : "It may now 
 be considered as settled, that notice may be given, and suit brought against an indorser 
 on the last day of grace, after protest has been made, the note being then considered 
 dishonored." Manchester Bank v. Fellows, 8 Foster, 302. In Crenshaw v. M'Kier- 
 nan. Minor, 29.5, an averment of demand on the maker on the third day, and of a 
 refusal at that time, was held, after verdict, to be a sufficient allegation that the maker 
 had not paid before suit was brought In Bevan v. Eldridge, 2 Miles, 3.53, it was held 
 that an indorser was not liable till after the expiration of the third day. In this case, 
 Stroud, J. said : " If, then, interest can be charged in advance to the end of the last day 
 of grace, there can be no propriety in treating any party to a note as in defoult, in 
 respect to payment, until that day has expired." In Smith v. Bank of Washington, 
 5 S. & R. 318, the demand was made May 13th, and suit brought May 16th. By 
 the usual course of the mail, the notice could not have reached the defendant, an 
 indorser, until the 19th. Held premature. Gibson. C.J said: "But I think it clear 
 that, whether notice be necessary onlij to enable the indorser to look to his concern? 
 with the drawer, or whether it be to apprise him tiiat he has encountered an im- 
 mediate instead of a secondary liability, it is nevertheless a substantive part of the 
 plaintiff's title to bring the action. This was expressly decided in Kushton v. Aspin- 
 wall, Doug. 679, on great consideration, and, as Lord Mansfield tells us, against the 
 wishes of the court, by whom it was held, in a case exactly like the present, that 
 the want of an allegation of notice of non-j)ayment was fatal, even after verdict; 
 and this on the ground that the title of the plaintiff was not merely set out defect- 
 ively, but that he had set out no title. Now, as the })laintiff's title must be com- 
 plete before suit is brought, it follows that the indorser must have notice before the 
 imp(;tration of the suit; or at least, that some fact be averred and proved that will 
 excuse the giving of notice altogether From certain facts the law raises a con- 
 clusive presumption of actual notice, but it is not so al)surd as to raise it from facts 
 which negative all possibility that tlie presumption accords with the truth of the case. 
 
 The notice, being for the benefit of the indorser, cainiot be dispensed with ; 
 
 and it would be extremely al>surd to supj)ose that any benefit could flow from it be- 
 fore there was a possibility of its having been received." But in King v. Holmes, 11 
 Pcnn. State, 456, it was held that a notary might protest a note at any time after 
 3 1'. M., and claim his fees. In (^astrif(ue v. Beriiabo, 6 Q. B. 498, the plaintiff was 
 nonmiitcd because the action was comrncinced at 5 P. M., and the notice could not, 
 by the usual course of the mail, have reached the; defendant before 4 or 5. 
 (rtj See the remarks of flihsan, (/. J., citi'd siijini, note in. 
 
 J
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 413 
 
 certain time is to be allowed to an indorser in which to receive 
 notice, the same time shonld be given him to pay the demand in, 
 because otherwise it would be saying that he was entitled to 
 receive the notice for his benefit, and at the same time declaring 
 that he should be precluded from taking any advantage from it.(o) 
 But it must be observed that it has been held that the maker 
 is only liable after a demand, when a demand is necessary, (/>) 
 which must be made at a reasonable time, (9) and an in- 
 dorser after tlie same, and also after notice has been deposited 
 where, according to the ordinary method of transportation, it 
 will reach him in due time.(r) With regard to what hour shall 
 
 (o) In Shed v. Brett, 1 Pick. 401, Parker, C. J. siiid : "The argument is, that 
 notice of the non-payment is essential to the plaintiff's right of action ; that it is neces- 
 sary to aver it in the declaration as a fact existing ; and that, as the case shows this 
 could not be true, the plaintiff has failed in an essential point. But this argument 
 proceeds upon the ground that there must be an actual reception of notice before tho 
 plaintiff can sue ; and this is certainly fiillacious. If the putting the letter into tho 
 post-office is notice in itself, which we have shown, then it was given before the com- 
 mencement of the suit. And it would be mischievous to decide otherwise, for every 
 plaintiff's right of action would commence at different times, according to the distance 
 of the party sued ; and the time of suing must be conjectured, as it cannot be known 
 when the notice will be actually received. Besides, if the object of waiting be to give 
 the party opportunity to take up the note, there must be a sort of double usance, for 
 the holder must wait till his letter is received, and for a reasonable time afterwards for 
 the party receiving it to come and pay the money. Who would take a bill or note 
 remitted from New Orleans if this doctrine be correct ? And if the parties liable bo 
 beyond the sea, such instruments would be mere waste paper. If the bill should not 
 be accepted, or the indorsed note not paid, the unfortunate holder, with property be- 
 longing to the drawer or indorser before his eyes, must remain an idle spectator of the 
 scramble of other creditors for it, or suffer it to be withdrawn by the debtor himself, 
 without the power of arresting it. This cannot be sound doctrine ; an averment of 
 notice will be sufficiently proved by showing that the steps necessary to give the notice 
 have been taken ; if subsequently received, it will relate to the time when it was sent; 
 if never received, the fact of having put it in the proper train is enough." 
 
 (/)) Greeley v. Thurston, 4 Greenl. 479 ; Veazie Bank v. Winn, 40 Mair.e, 62. In 
 Pierce w. Gate, 12 Cush. 190, S/iaw, C. J. said : " The rule in regard to notes like the one 
 in question is, that the note is payable at any time on actual demand, on the last day 
 of grace; and if such actual jiresentment and demand is so made, and payment is not 
 made, the maker is in default, and notice of dishonor may forthwith be given to the 
 indorser. But if no presentment or demand is made by the holder upon the maker, 
 the latter is not in defiiult till the end of the business day." In Butler v Kimball, 5 
 Met. 94, it was held that the action might be maintained when the writ is made after 
 sunset, and delivered to the sheriff the next day, although there is no demand before 
 the writ is made. 
 
 (17) See the cases cited infra, p. 414, note s. 
 
 [r) Manchester Bank v. Fellows, 8 Fost. 302. In New England Bank v. Lewis, 
 Pick. 12.5, *he action was brought before notice to the indorser, though it was received 
 35*
 
 414 NOTES AND BILLS. [CH. XL 
 
 be deemed reasonable, the same rule would apply here as in 
 orduiary cases, (*•) and the burden of proof is upon the holder to 
 show a demand at a reasonable hour,(/) and, in the case of an 
 indorser, after notice has been sent.(M) Whether the law is the 
 
 by him on the same day, and had been put into the hands of the notary before the writ 
 was given to the sheriff. Held, that the suit was prematurely brought. See Stanton 
 I'. Blossom, 14 Mass. 116. 
 
 (s) In Lunt v. Adams, 17 Maine, 230, the suit was brought after demand made at 
 8 A. M. Held premature. In Park v. Page, cited 1 Met. 48, and in Staples ?;. Frank- 
 lin Bank, 1 Met. 43, the writs were served at 11 A. M., and it was held that the suits 
 were properly brought. So in McKenzie v. Durant, 9 Rich 61, where the writ was 
 served at 4 P. M. Shed v. Brett, 1 Pick. 401, where the action was commenced in the 
 evening In Whitwell v. Brigham, 19 Pick. 117, an acceptor for the drawer's accommo- 
 dation took up the bill on the second day, and commenced a suit against the drawer on 
 the third. Held not premature. As to what is considered a reasonable hour of the 
 day at which to make a demand, see in/ja, p. 417, note a, &c. It will be seen that, when 
 a note is payable at a bank, a presentment there at any time within banking hours is to 
 be considered reasonable. The same rule has been applied to the case under consid- 
 eration, and it has been held, in the following cases, that the maker or indorser of a 
 note payable at a bank was not liable till after the close of banking hours. Boston 
 Bank v. Hodges, 9 Pick. 420, where the hours were from 9 to 2, and an action brought 
 at 18 minutes past 9 was held premature. So Church v. Clark, 21 id. 310, where the 
 writ was served at 1 minute past 12 A. M. The demand on the cashier at the bank, 
 but after business hours, was held proper in Flint v. Rogers, 1.5 Maine, 67. In Staples 
 r. Franklin Bank, 1 Met. 43, an action against a bank on its own post-note, it was 
 contended that the bank was not liable till after the close of business hours, and that 
 the same rules applied as in case of a note payable there ; but Shaw, C. J. said: "It 
 may be proper to make a remark on the point, that some of the cases in Massachu- 
 setts manifestly go upon the ground, that when a third person has accepted a bill or 
 made a note payable at a bank, or when, from circumstances, it may be inferred that 
 the parties intended that the note should be paid at a bank, the maker has the whole 
 of the usual time of banking*hours to pay it. This proceeds upon the ground tiiat the 
 parties have entered into an exjjrcss or implied agreement that the note shall be so 
 paid and treated. But when the bank itself has undertaken to pay a sum on any given 
 day, they are bound, like any other promisor, to pay on demand on that day; and 
 the otdy difference, in this respect, l)etween a bank and an individual is this, that what 
 would be reasonable time for a demand in case of individuals is fi.Kcd, in case of a 
 bank, by their known usual hours of being open for business. This is the case in regard 
 to common bank-notes, and it would be most pernicious, in regard to them, to estab- 
 lish a different rule, or raise a doubt respecting it. And a post-ngte, when hy the 
 lapse of time and the force of the contract it has become payable on demand, stands in 
 this respect on the same footing with a bank-notCj which is payable on demand in its 
 terms." 
 
 (t) Vcnzii- \',;u\k v. Winn, 40 Maine, 62. 
 
 («) Manchester Bank v. Fellows, 8 Foster, 302, where Eastman, J. said : " If the stjit 
 is commenced a day after the time that notice is given, or at any future time after 
 notic(!, the j)ro()f is rr^adily made ; bc^cause, where the notice is proved, it shows for 
 itMclf to have been before suit ; but where, as in this case, the suit is instituted on the 
 day of the notice, no such conrlnsion is u|)purent. The evidence does not show that
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 415 
 
 same with reference to notes on which no grace is allowed, does 
 not seem to be settled. (?') We incline to hold, however, both on 
 reason and on what seems to be tLe weight of authority, that a 
 note without grace may be demanded within business hours of 
 the day of maturity, and, if payment is refused, an action may be 
 brought against the maker, or notice be given to an indorser, and 
 an action brought against him, on the same day.{iy) The ques- 
 tion has never passed under adjudication in England, but in one 
 of the early cases we find a difference of opinion on the subject 
 between Lord Kenyon and Mr. Justice Buller.(a;) 
 
 the notice was given before the suit was commenced, and the court cannot presume it. 
 And in all such cases the phiintifFmust prove that the demand and notice were before 
 the suits were brought, otherwise it does not appear that they have a cause of action. 
 The phiintifFs in this case having produced no evidence showing that the notice was 
 put into the post-office at Boston before the writ was served, it does not appear that a 
 cause of action existed at the time of the commencement of the suit, and the action 
 necessarily fails." 
 
 (r) In Staples v. Franklin Bank, 1 Met. 4.3, Shaw, C. J. said : " A different con- 
 struction may perhaps apply when a note is payable without grace. As grace was 
 originally matter of indulgence and courtesy, and not of contract, it perhaps may be 
 contended that, although a debtor has the whole of the last day of the credit stipulated 
 for Ip' contract to make payment, yet a different rule may apply to grace, which is not 
 part of the contract. So when the third day of grace falls on Sunday, as the right of 
 one or the other of the parties must yield, it shall be that of the one who claims indul- 
 gence, and not of him who claims of right ; whereas, if a bond were to be payable on 
 Sunday, the debtor would have till the close of Monday to pay it. Some of the cases 
 appear to turn on this distinction." In Taylor ?;. Jacoby, 2 Penn. State, 495, an actioc 
 on a note where no grace was allowed, it was held that the note was not due, for thfi 
 purpose of commencing suit or entering judgment, until after the termination of the 
 day of payment. It has already been seen, that when a note without grace falls due on 
 Sunday, it is not payable until the next secular day. Supra, p. 402. 
 
 (iv) In Staples v. Franklin Bank, cited in the preceding note, the court appears to 
 incline to the views expressed in the text. 
 
 (t) Leftley v. Mills, 4 T. R. 170. In Colkett v. Freeman, 2 T. E. 59, it was held 
 that an express refusal in the morning to a holder to pay a bill constituted a complete 
 act of bankruptcy, though several of the jury, which was a special one, said that by the 
 practice of London merchants the payor has the whole day of maturity till five 
 o'clock, P. M., within which to pay. In Hume v. Peploe, 8 East, 168, a plea of a 
 tender of all the money due on a bill, after the day of payment, was held not to be a 
 good plea in bar, because it did not show a performance of the contract. So Poole v. 
 Tumbridge, 2 M. & W. 223, where Lord Abinger said : " I will not say that if this case 
 arose, that the acceptor went on the day the bill became due to the house of the holder 
 for the purpose of paying it, and could not find him, but on a subsequent day, when he 
 found him, tendered him the money, I am not prepared to say that, in such case, 
 the rules of law ought to be pressed so far as to render the party liable to an action the 
 next day after the bill becomes due, and not to allow him to plead that tender, by which 
 moans the proceedings of a court of law are made nothing else but machinery to
 
 416 NOTES AND BILLS. [CH. XI. 
 
 A note may be negotiated on the second day of grace, and the 
 holder will then be protected ; {y) but if negotiated on the third, 
 there is a conflict of authority on the question whether the note 
 
 increase costs." In Ex parte Moline, 19 Ves. 216, 1 Rose, 303, it was held that a de- 
 mand on the acceptor, at 1 1 A. M., and notice of non-payment to the drawer the same 
 morning, warranted the proof of the debt against the drawer, who had become bank- 
 rupt. In Staples t\ Franklin Bank, 1 Met. 43, Shaw, C. J. said : '■ In a late work, 
 Bjles on Bills, p 131, it is stated that the acceptor of a bill, whether inland or foreign, 
 or the maker of a note, should pay it on a demand made at any time within business 
 hours on the day it falls due, and if it be not paid on such demand, the holder may 
 instantly treat it as dishonored. But the acceptor has the whole of that day witliin 
 which to make payment ; and though he should in the course of that day refuse pay- 
 ment, which entitles the holder to give notice of dishonor, yet if he subsequently on 
 the same day makes payment, the payment is good, and the notice of dishonor be- 
 comes of no avail. This writer cites Hartley v. Case, 1 Car. & P. 5.55, 676, 4 B. & C. 
 339. The point was made in that case, that notice could not be given on the day the 
 note becomes due ; but the case went off on another ground, and no opinion was 
 given on this question. The passage cited appears contradictory to itself, inasmucii 
 as it declares that the note is due and payable on demand on the last day of grace, 
 and is dishonored if not then paid ; and yet that the maker and acceptor have tho 
 whole day to pay it in. It would seem that there could be no dishonor, unless the 
 maker had failed to comply with his contract ; and if he has failed to comply with his 
 
 contract, then, by a general rule of law, the holder has his remedy by action 
 
 It is probable, that, though the holder may have a strict right to proceed m all 
 respects as upon a dishonored bill on the last day, after demand, refusal, and notice, 
 yet it is so far the general practice to postpone notice and other proceedings till 
 the day following, that it is regarded amongst merchants as a right. That it seems 
 80 to have been understood by men of business, appears by a remark of Mr. Justice 
 BuHer, in Colkett v. Freeman, 2 T. R. 59, 61 ; and also by an oliitei- dictum of Bol/and, 
 B., in Webb v. Fairmaner, 3 M. & W. 473, 474 {supra, p. 405, note /). But the case 
 
 of negotiable hills and notes was not then under consideration Possibly it 
 
 may be considered that the holder has a right to treat the bill as dishonored, after de- 
 mand and refusal, and even to commence an action, subject to be defeated and barred 
 in case the maker should pay the amount due at any time on the last day of grace ; 
 though 't is difficult to perceive how the holder can have a perfect right to treat the 
 note as dishonored, by breach of the contract, and, at tlic same time, that the acceptor 
 can have a perfect right, by payment of the bill, to perform his contract, and save 
 himself from the consequences of such breach. In Hartley v. Case, 1 Car. & P. 556, 
 Ahhntt, C. J., on a motion to show cause, says: ' I think notice of dishonor, given on 
 the day on which the bill is payable, will be good or bad, as the acceptor may or may 
 not afterwards pay the bill. If he does not afterwards pay it, the notice is good ; and 
 if he does, it of course comes to nothing.' This certainly implies that, after non-pay- 
 ment on demand, on any part of the last day, there is a bronch of the contract of the 
 maker, and no further demand is necessary to complete tlie hoMer's right against the 
 maker, acceptor, and indorscrs. But whetlier, after stich breach, atxl before the close 
 of the day, an action might I)e cotnmenced against eitlicr, does not appear by this case, 
 nor, as we believe, by any case decided in England " In Chitty on Bills, 274, 10th 
 
 (//) Savings Baidv v. Bates, 8 Conn. 505
 
 CH. XI.] AT WHAT TIME DEMAND SHOULD BE MADE. 417 
 
 is dishonored. (z) We should consider the correct rule to be, that 
 where the note is payable generally, it is not dishonored until the 
 close of the day, and when payable at a bank, not until the close 
 of bank hours. 
 
 It is the usage of all our banks to consider notes and bills 
 discounted by them, or left with them for collection, whether 
 payable at the bank or generally, as dishonored at the close of 
 business hours, which are then the bank hours, on the day of 
 maturity. And the paper is then handed to a notary for demand 
 and protest. And undoubtedly this usage would determine the 
 rights and obligations of the parties in any case to which it 
 applied. 
 
 The hours within which presentment for payment and for ac- 
 ceptance should be made are the same in both cases. In the 
 case of paper not payable at a bank, demand may be made on the 
 payor personally, or on his authorized agent, at any reasonable 
 hour of the day, even so late as nine o'clock in the evening.(a) 
 
 Lond. ed., the question is discussed, whether the acceptor has the whole day or not 
 for payment. The author says that the hokler may treat the bill as dishonored on 
 the third day ; and that this " appears now to be -the established rule." In Castrique 
 V. Bernabo, 6 Q. B. 498, which was an action against an indorser, it appeared that the 
 notice was put into the mail the same day the action was commenced. It was held 
 that the plaintiff was bound to show that, in the ordinary course of the mail, the letter 
 would be delivered before the time of the commencement of the action. 
 
 (z) The note is held dishonored in Pine v. Smith, 11 Gray, 38, and not dishonored 
 in Crosby v. Grant, 36 N. H. 275. The two cases rest probably on the difference be- 
 tween the time when the right of action commences in the two States. 
 
 (a) In Burbridge v. Manners, 3 Camp. 193, a demand was made in the forenoon, and 
 held good. Ex parte Moline, 19 Ves 216, a demand on an acceptor at 11 A. M., and 
 notice sent immediately, were held to warrant a proof of the debt against the drawer, 
 who had become bankrupt. Lord Eldon said : " I do not recollect any decision, that, if 
 an acceptor declares at 11 o'clock in the morning that he will not pay, notice of that to 
 the drawer is not good. If the law does not impose on the holder the duty of inquiring 
 again before 5 o'clock, it would be extraordinary that this information to the drawer of 
 an answer precluding any hope of obtaining anything by calling again should not have 
 effect." In Leftley o. Mills, 4 T. R. 170, Bnlkr, J. said : Bills of exchange "are pay- 
 able at any time on the last day of grace, provided that demand be made within rea- 
 sonable hours. A demand at a very early hour of the day, at two or three o'clock in 
 the morning, would be at an unreasonable hour ; but, on the other hand, to say that the 
 demand should be postponed till midnight, would be to establish a rule attended with 
 mischievous consequences." So Greeley v. Thurston, 4 Greenh 479. In Dana v. Saw- 
 yer, 22 Maine, 244, where the maker was called up from his bed a few minutes before 
 midnight, the demand was held insufficient. S/iepley, J. said : " Perhaps it might be proper 
 to admit an exception in this and the like cases, if it should appear from the answer 
 made to the demand that there was a waiver of any objection as to the time, or that 
 Vol. J.— 2 B
 
 418 NOTES AND BILLS. [CH. XL 
 
 No fixed rule can be laid down beyond which a presentment will 
 be unreasonable and insufficient to charge an indorser. In gen- 
 eral, it should be made at such an hour that, having regard to 
 the habits and usages of the community where the maker resides, 
 he may reasonably be expected to be in a condition to attend to 
 ordinary bushiess. Various otlier circumstances are to be taken 
 into consideration, such as the distance of the place of resi- 
 dence of the maker from the place where the note was dated, 
 and where the holder at maturity was residing, and tlie season 
 of the year when it fell due. (6) When a note or bill is payable 
 at a bank, or at a banker's, it must be presented within busi- 
 ness hours. (c) But if presented after that time, while any of tlie 
 
 payment would not have been made upon a demand at a reasonable hour. But there 
 is nothing in this agreed statement to show that payment might not have been refused 
 because the demand was made at such an hour that the maker did not choose to be dis- 
 turbed, or because he could not then have access to funds prepared and deposited else- 
 where for safety." In Farnsworth v. Allen, 4 Gray, 4.53, a note dated at Boston; falling 
 due in August, was presented at 9 P. M. to the maker at his residence, ten miles from 
 Boston, after he and his family had retired. The maker refused to pay. Held suffi- 
 cient. See Lunt v. Adams, 17 Maine, 230, infra, p. 420, note f; Park v. Page, infra, 
 p. 420, note e. 
 
 (b) Bigelow, J., Farnsworth v. Allen, 4 Gray, 453, supra, note a. There arc various 
 dicta to the effect that a presentment after " the liour of rest " would be unavailing. 
 Thus, in Barclay v. Bailey, 2 Camp. 527, Lord Ellenborough said: " If the presentmetit 
 had been during the hours of rest, it would have been altogether unavailing." So Best, 
 C J., Triggs V. Newnham, 10 J. B. Moore, 249. In Wilkins v. Jadis, 2 B. & Ad. 
 188, Lord Tenterclen, C. J. said : " A jjrcsentment at 12 o'clock at night, when a person 
 has retired to rest, would be unreasonable." So S/iepley, J., Dana v. Sawyer, 22 Maine, 
 244. In Cayuga Co. Bank v. Hunt, 2 Ilill, 635, Cowen, J. said, that business hours 
 "generally range through the wiiole day down to bedtime in the evening." But this 
 cannot mean, that the mere fact that the maker had retired to bed in the evening before 
 the demand would make it unreasonable. Thus, in Farnsworth v. Allen, 4 Gray, 453, 
 supra, note a, Bigelow, J. said : " It is quite immaterial that the maker and his family 
 had retired for the night. The question whether a presentment is within reasonable 
 time cannot be made to depend on the private and peculiar habits of the maker of the 
 note, not known to the holder; but it must be determined by a consideration of the 
 circumstances which, in ordinary cases, would render it seasonable or otherwise " 
 
 (c) Parker v. Gordon, 7 Fast, 385, where a demand at 6 P. M. was held insullicicnt, 
 the banker's hours ending at 5. Lord Ellmhoroiyh, C. J. : " If a party choose to take 
 an acceptance, payable at an appointed place, it is to be presumed that he will inform 
 himself of the proper time for n.'cciving payment at such place, and he must ap])ly ac- 
 cordingly ; and if i)y going there out of due time the bill bo not paid, it is his own 
 fault, and he cannot i)roce<:d as upon a dishonor of it ; at least not without going a 
 «tcp fuitlicr, and i)resenting it for jjayment to the parly himself; otherwise it is fishing 
 for tlie dishonor of a bill made [layable at a banker's, to present it there for ])ayment at 
 a tim'- when it is known in llii' u^ual course of business that it cannot be paid.'' Su in
 
 CH. XI.] AT WHAT TIME DEMAND SHOUIJ) BE MADE 419 
 
 officers are present to give an answer at the time of the de- 
 mand, it will be sufficient. (c/) There is this difference, also, 
 between a demand on the payor at his residence, and one 
 at his place of business ; in the former case it may be made 
 at any hour of the day or evening when he may reasona- 
 bly be expected to be able to attend to business ; (e) but if 
 
 Elford V. Teed, 1 Maule & S. 28, a presentment by a notary's clerk, between 6 and 7 
 P. M., was held insufficient, and that no ])resumption of a prior presentment within 
 bankini; hours could be made from the fact that demand was made by the clerk. See 
 Boston Bank v. Hodges, 9 Pick. 420; Church v. Clark, 21 id. 310; cited supra, p. 414, 
 note s. Where, by the usage of a bank at which a note is made payable, the pa}or ip 
 allowed until the expiration of banking hours for payment, a demand before that time 
 is insufficient, unless the note is permitted to remain in the bank till the close of busi- 
 ness hours. Planters' Bank v. Markham, .5 How. Miss. 397 ; Harrison v. Crowder, 6 
 Smedes & M. 464. In Whitaker v. Bank of England, 6 Car. & P. 700, 1 Cronip. M. 
 & R. 744, an action against the bank, by a customer who had accepted a bill pnyable 
 there, for not honoring die acceptance, it was proved that the bill was presented at 9 
 A. M., and left till 11 A. M., when payment was demanded. A demand was again 
 made by the notary at 6 P. M., after banking hours. The court held that the note 
 must be considered as continuing in a course of presentment from 9 to II ; that if the 
 bank had funds at a reasonable time before 1 1, they were liable ; but that they were not 
 liable to pay after banking hours, even though they had funds, and had a person sta- 
 tioned there who answered, " Not sufficient effects." A demand on a bank of a note in 
 which the bank itself is the maker, made before 11 A. M., was held good. Staples v. 
 Franklin Bank, 1 Met. 43, supra, p. 414, note s. 
 
 {d) Garnett v. Woodcock, 1 Stark. 475, 6 Maule & S. 44, where the bill was present- 
 ed between 7 and 8 P. M., and a boy returned the aoswer, " No orders." Lord Ellen, 
 borough said : " Bankers do not usually pay at so late an hour ; but if a person be left 
 there who gives a negative answer, there is no difftrence between the case and that of 
 a presentment at a merchant's. I think it is perfectly clear, that if a banker appoint a 
 person to attend in order to give an answer, a presentment would be sufficient if it 
 were made before 12 at night In general there are two presentments, one in the 
 morning, and the other in the evening ; but if there be a presentment in the evening, 
 and the party is ready to give an answer, he does all that is necessary. The bank re- 
 turned an answer by the mouth of its servant, and non constat but that he was stationed 
 there for the express purpose." Henry ». Lee, 2 Chitty, 124 ; Shepherd v. Chamber- 
 lain, 8 Gray, 22.5 ; Flint v. Rogers, 15 Maine, 67 ; Commercial Bank v. Hamer, 7 How. 
 Miss. 448, where the notary, finding the front door shut, entered by the back door 
 and demanded payment of the teller, who said that there were no funds ; Cohea v. 
 Hunt, 2 Smedes & M. 227; Goodloe v. Godley, 13 id. 233; Bank of Syracuse v. 
 Hollister, 17 N. Y. 48, where the paying teller, being a notary, presented the note 
 to himself outside the bank doors, which were shut; Bank of Utica v. Smith, 18 
 Johns. 230. 
 
 (e) In Barclay v. Bailey, 2 Camp. 527, presentment was made at the place desig- 
 nated as the acceptor's residence, at 8 o'clock, P. ]\I. An answer was given, that the 
 acceptor had become bankrupt, and had removed. The defendant, the drawer, proved 
 thai Sc had stationed a person at the house, to take up the bill, from 9 A. M. to 4 P. M. 
 Held, that the demand was sufficient. L'jrd Ellenhcroucjh said : " I think this present-
 
 420 NOTES AND BILLS. [CH. .XI 
 
 demand be made at the place of business, it must be made within 
 the usual and ordinary business hours. (/) But no objection 
 can be made to the demand at either place at any hour, if the 
 payor had his agent there at that hour to make answer to the 
 demand, (g") 
 
 ment sufficient. A common trader is different from a banker, and has not any peculiar 
 hours for paying or receiving money. If the demand had been made during the hours 
 of rest, it would have been altogether unavailing, but eight in the evening cannot be 
 considered an unreasonable hour for demanding payment at the house of a private in- 
 dividual who has accepted a bill." So Wilkins v Jadis, 2 B. & Ad 188. In Park v. 
 Page, at Nisi Prius, before Parsons, C. J., in 1808, cited 1 Met. 48, a demand before 
 11 A M. was held good. See the cases cited supra, p. 418, note c. 
 
 (f) Shed V. Brett, 1 Pick. 401. This would only apply where there are regularly 
 established business hours. See Dana v. Sawyer, 22 Maine, 244. In England it 
 would seem that the hours within which demand may be made at any other place than 
 the bank or a banker's may extend so late as 7 or 8 P. M. Thus, in Morgan v. 
 Davison, 1 Stark. 114, Lord Ellenborou(jh held that a demand at a counting-room 
 between 6 and 7 P. M., when no one was present but a girl to take care of it, was 
 sufficient ; as " the hour was not an improper one, and the holder might reasonably 
 expect to find the party in his counting-house at that hour. In Triggs v. Newnham, 
 1 Car. & P. 631, 10 J. B. Moore, 249, a presentment of a bill payable at an attorney's 
 ofiSce at 8 P. M was held sufficient. In Lunt v. Adams, 17 Maine, 230, demand 
 was made on the maker at his store at 8 A. M. Held insufiBcient. Shepley, J. said : 
 " There may be little difficulty in towns and cities, where there are business on bank- 
 ing hours, in deciding that a demand should be made during those hours. But in 
 places where no particular hours are known for making and receiving paj'ments there 
 is more difficulty in determining what would be a reasonable hour for this purpose. It 
 may often happen that the party having a payment to make would appropriate the 
 earlier ])art of the day to obtain the means, either by collecting or by procuring a loan 
 from a bank or from some person in a neighboring town. To establish a rule that 
 would deprive him of that opportunity, and subject him to a suit, and that would ren- 
 der hirn liable to have his business broken up while thus employed, might justly be 
 regarded as unreasonable. The general rule being that the party has all the day to 
 make his payment, that in relation to bills and notes should not be so varied as to 
 prevent his having a fair opportunity to make arrangements and provide the means of 
 payment before he is subjected to a suit. In this case the demand was made at an 
 hour so early as to deprive him of that opportunity, and it was not, therefore, made at 
 a reasonable hour." In Cayuga Co. Bank v. Hunt, 2 Hill, 63,5, Cowen, J said, that 
 business hours, "except where the paper is due from the bank, generally range through 
 the whole day down lo bedtime in the evening." But this, it is conceived, would vary 
 according to the custom of each place. 
 
 (v) See the ca.ses cited supra, note d. Where the payor and payee are willing, the 
 one to make and tlie other to receive payment at any hour, and the payor is to acquire 
 some right as against a third party on paying, such third party cannot object to the 
 demand because; it was made at an unreasonable hour Thus, in Whitwell v. Brig- 
 ham, I'J Pick. 1 17, the a(cc|)tor of a bill for the accommodation of the drawer, having 
 paid the bill on the second day of grace, commenced a suit against the drawer at 6 
 o'clr)ck, A. M. ; and the suit wa,s iield not to be premature, oti the ground that the 
 payment might as well have been made at any previous hour of the third dav
 
 CE. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 421 
 
 It may liere be remarked, that a notary's certificate of present- 
 ment, which does not state the time of day, carries with it the 
 presumption that the demand was made at a proper hour, when 
 nothing appears to the contrary. (A) 
 
 SECTION VI. 
 
 AT WHAT PLACE DEMAND SHOULD BE MADE. 
 
 The principles of law applicable to the question, where the 
 demand should be made, are very ditferent in case of a note or 
 bill payable generally and one in which a place of payment is 
 specified. We will first consider the rule with reference to notes 
 in which no place is mentioned for payment. 
 
 We should say that, in general, a personal demand would be 
 sufficient, if made on the maker or acceptor at any place where 
 he may reasonably be expected to be in a condition to pay ; and 
 if made in any other place, — such, for instance, as the street, 
 — it would usually be good, unless objection were made to pay- 
 ment because the place was an improper one, or some similar 
 reason were given for the refusal. (i) 
 
 But a personal presentment is not necessary ; (j) and in case 
 such a one is not made, in the absence of circumstances which 
 amount to an excuse for demand, that demand must be made 
 where the maker resides, or at his usual and ordinary place of 
 business. (Aj) 
 
 (h) Cayuga Co. Bank v. Hunt, 2 Hill, 635 ; De Wolf ». Murray, 2 Sandf. 166. 
 
 {i) Supra, p. 372, note z. In Baldwin v. Farnsworth, I Fairf. 414, presentment was 
 made to both promisors of a joint and several note, made payable at their dwelling- 
 houses, at the barn-yard of one of the makers. Held sufficient, as they " made no objec- 
 tion, and intimated no readiness to pay in the house." 
 
 {j) The contrary is stated in Duke of Norfolk v. Howard, 2 Show. 235, supra, p. 
 371, noiey, but does not seem to have been followed. In Saunderson v. Judge, 2 H. 
 Bl. 509, it is said that " it is not necessary that a demand should be personal, and it 
 is sufficient if it be made at the house of the maker of the note." So in M'Gruder v. 
 Bank of Washington, 9 Wheat. 198, Johnson, J. said : " A demand on the maker is, 
 in general, indispensable, and that demand must be made at his place of abode or 
 place of business. That it should be strictly personal is not required. It is enough if 
 it is at his place of abode, or generally at the place where he ought to be found." 
 
 (k) In Sussex Bank v. Baldwin, 2 Harrison, 487, it was contended that the de- 
 mand ought to have been at the maker's house ; but Dayton, J. said : " It appears 
 
 VOL. I. 36
 
 422 NOTES AND BILLS. [CH, XL 
 
 It is clear that a demand at the place of business, M'ithout any at 
 the place of abode, is sufficient,(/) and this ordinarily would be the 
 safest and most proper place to present the note. It is said that a 
 demand at the maker's house would be equally good,(m) but it may 
 be doubted whether this is not subject to some qualification. It is 
 also said that the holder may presume that a maker or indorser 
 
 by the evidence that the office in question was the regular place of business of the 
 maker ; and I have no doubt where a person has an office, or known and settled place 
 of business for the transaction of his raouied concerns, whether he be a banker, broker, 
 merchant, manufacturer, mechanic, or dealer in any other way, a presentment and de- 
 mand at that place, as well as a presentment and demand at his residence, is good in 
 law. It must not, however, be a place selected and used temporarily for the transaction 
 of some particular business, as settling up some old books or accounts merely, but 
 his regular and known place of business for the transaction of his nionied concerns. 
 The counting-room of a banker or merchant may be a proper place for a demand, 
 though the manufactory or workshop would not. Yet if the manufacturer or mechanic 
 have an office or known place of business for the purpose aforesaid, a good demand 
 may be made there." In West v. Brown, C Ohio State, 542, Bowen, J. remarked : 
 " It is said that the demand ought to have been made at the maker's family residence, 
 and could not be made elsewhere, as he had no well-established business office. It 
 seems that he occupied a room at Harding's, where he directed calls to be made, and 
 where he received them. By his own acts and declarations he authorized the place to be 
 known as his office for transacting business. He apprised the public that he could be 
 found there, that ' word left there would find him.' He claimed no other business loca- 
 tion. He gave no directions or authority for calling on him for business purposes at 
 his residence. His desire was to have an office for doing business, where he might con- 
 veniently and with certainty be found, and a selection of such place he accordingly 
 made at Mr. Harding's, where he was sought by the notary public, but when applied for 
 happened to be out. The object of the visit, however, was fully explained to those 
 •who were found in the office. We are satisfied that reasonable diligence in this case 
 was used by the holder of the note to obtain payment from the maker, and that the 
 claim that no demand of payment was made of him is not well founded." 
 
 (I) Sec the cases cited sit/n-a, note k; also Nott v. Beard, 16 La. 308. 
 
 [m) In Sliamburgh v. Commagere, 10 Mart. La. 18, Porter, J. said: "A man's resi- 
 dence is the place wiiere it is presumed he is to be foimd. and lias funds to meet the 
 demand, and tliere is no obligation on the holder to seek for him elsewhere." In Oak- 
 ey V. Bcauvais, 11 La. 487, Carleton, J. said, that demand must be made personally, or 
 at the domicil of the mak(T, to bind an indorser. By "domicil," it is presumed "jtlace 
 of residenr-e " at the time of maturity was intended. In Deyraud v. Hanks, 16 La. 
 461, the ])rotest stated tliat the notary demanded payment at tiic domicil of tlie nuiker, 
 and was answered that there were no funds there to pay it. Held sufficient evidence 
 of a demand to charge the maker and indorser. So in Stivers v. Prentice, .3 B. Mon 
 461, it was held that a " ])ns(ntment of a bill at the dwelling-house of the acceptor, 
 in the absence of any proof of a f<[)ecial usage to the contrary, and he not being a 
 banker, was sufficient; and especially as there was one there who answered for him, 
 that no provision had been marie for i)ayment." In Story on Bills, §§ 236,351, Prom. 
 Notes, I) 235, it is said, wiicre the maker or acceptor lives in one town and does I)usi- 
 ncs« in another, or where he resides in one part of a town and his place of l)usiness is 
 another part, that the holder has liis ojjtion at which to present, and that a demaad at
 
 CII. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 423 
 
 lives where he did when he made the note or indorsement, unless 
 he has notice or knowledge of a change of residence.(mm) 
 
 Thus, where the maker has a well-known and long-established 
 place of business, where he is in the habit of transacting his finan- 
 cial concerns, and where a demand might be made, presentment of 
 a note, if of any considerable amount, should, it is believed, be made 
 here rather than at his residence; and in the absence of other cir- 
 cumstances, it could hardly be deemed using due diligence to demand 
 the note at the latter ])lace. But we know of no authority for this.(n) 
 
 If the maker has a place of residence, but none for the transac- 
 tion of business, demand should be made at the former. Thus where, 
 at the time a partnership note fell due, the firm had been dissolved, 
 a presentment at their former place of business was held insuffi- 
 cient; it appearing that one of the partners was, at the time of the 
 maturity of the note, residing in the same town, and that his house 
 might have been found by the holder without much difficulty. (o) 
 
 either would be sufficient. But in a note the learned author remarks that he has found 
 no case in point, but cites Chitty on Bills. In tlie latter work, p. 250, 10th Lond. ed., 
 it is stated that "presentment should be to the drawee of the bill or the maker of the 
 note at his residence." 
 
 {mm) Ward v. Perrin, 54 Barb. 89. See also Peters v. Hobbs, 25 Ark. 67. 
 
 (w) This refers to a presentment which is not personal. In West v. Brown, 6 Ohio 
 State, 542, supra, note ^•, the maker had a well-known place of residence, and a desk- 
 room, in an office in company with others, where he transacted business. A demand at 
 the latter place while the maker was out was held sufficient. In Lanusse v. Massicot, 
 3 Mart. La. 261, the maker, four months before the maturity of the note, was turned 
 out of his domicil, which was sold on execution. He went with his family to his 
 father-in-law's, but he spent two months at his brother-in-law's to attend to his business. 
 A demand at the latter place was held sufficient to charge an indorser. " This demand 
 must either be made of the maker of the note personally, or at the place of his residence. 
 But in this particular instance it appears to the court that the maker had no fixed 
 place of residence anywhere when the notes became due, and that the house in whirli 
 he spent the half of his time to attend to his business in the city was more to be coii.'^id- 
 ered as the place of his residence, /or such purposes, than the plantation of his father-in- 
 law where his family had a temporary asylum." 
 
 (o) Granite Bank v. Ayers, 16 Pick. 392, Shaw, C. J. said: "The firm of Poor & 
 Co. consisted of Poor and Breeden. They had failed and given up their place of busi- 
 ness, and the same place had been let to strangers, between whom and Poor & Co. there 
 was no privity, and no inquiry was made except at that place, and there the notary was 
 informed that Poor & Co. had failed and gone out of town. But the information was 
 not correct. By referring to the name of Samuel Poor & Co in the directory, it would 
 have been found that Breeden was the partner indicated by the word Co., and by ref- 
 erence to the name of Breeden it would have been found that he had a domicil in 
 town ; and it is now found that he was, in fact, residing in town. It is no excuse for 
 want of such D^A^entment and demand that the promisors had failed, as the plaintiffs 
 cannot recover without proof of demand and notice, or some fact whicli will excuse
 
 424 NOTES AND BILLS. [CH. XL 
 
 With regard to the conduct necessary to be pursued by the 
 holder where the maker's house or place of business is closed, or 
 where he has removed, absconded, or has died, or has no place 
 of business or residence, reference may be had to a subsequent sec- 
 tion on excuses for non-demand, where this subject is treated. (p) 
 And it will be sufficient here to remark, that in such cases, where 
 any demand at all is necessary, the maker's last usual placa 
 of abode or business is the place at which presentment is to be 
 made. 
 
 Where a note is payable generally, the parties may agree upon 
 the place where it shall be presented, and parol evidence is ad- 
 missible to prove such agreement : (q) and where a maker by his 
 
 the want of a demand ; and as the proof fails of showing any demand, or any legal 
 excuse for the want of it, the plaintiffs are not entitled to recover." In Packard v. Lyon, 
 5 Duer, 82, a note had been deposited in a bank for collection ; demand was made there, 
 with inquiry as to the residence of the maker. Slie was a married woman. Her name 
 was not to be found in the directory. It appeared that she was, at the time, keeping a 
 boarding-house in the city. Held insufficient, and the indorser was discharged. 
 
 (/)) Infra, chapter on Elxcusea. 
 
 {q) Pearson v. Bank of the Metropolis, 1 Pet. 89. Marshall, C. J. said : " But this 
 is not an attempt to vary a written instrument. The place of demand is not expressed 
 on the face of the note, and the necessity of a demand on the person, when the jtarties 
 are silent, is an inference of law which is drawn only when they are silent. A parol 
 agreement puts an end to this inference, and dispenses with a personal demand. The 
 parties consent to a demand at a stipulated place, instead of a demand on the person of 
 the maker ; and this does not alter the instrument so far as it goes, but supplies extrin- 
 sic circumstances, which the parties are at liberty to supply The indorser under- 
 takes conditionally to pay if the maker does not, and this imposes ou the holder the 
 necessity of taking the proper steps to obtain payment from the maker. This contract 
 is not written, but is implied. It is, that due diligence to obtain payment from the maker 
 shall be used. When the parties agree what this due diligence shall be, they do not 
 alter the written contract, but agree upon an extrinsic circumstance, and substitute that 
 agreement for an act which the law prescribes only where they arc silent." Sec Thomp- 
 son V. Ketcham, 4 Johns. 285. But Thom/ison, C. J., in Anderson v. Drake, 14 id. 114, 
 referring to Thompson v. Ketcham, said : " The note was dated at Montego Bay, yet 
 it was not deemed payable there ; otherwise, parol evidence would have been inadmis- 
 sible to prove it was i)ayable at New York. Such evidence would have bccn*rc- 
 pugnarit to the written note, if tlie inference of law was that it was payable at Mon- 
 tego Bay" So in Pierce v. Whitney, 29 Maine, 188, Sheplci/, J. said: "The first 
 cause of complaint presented by the bill of exceptions is, that tlie counsel for the plain- 
 tiff was not permitted to make an argument to the jury to show that the note, by the 
 underHtaiidirig and agreement of the j)arties, or at least on the ]iart of the nnikcr, was 
 to be ])ai<l in Boston. In doing so the ])residing judge acted correctly. It h;id already 
 been dccithrd that the note was not made payable in the city of Boston, because it ap- 
 peared to have been made and dated there. Parol evidence caimot be received, or havo 
 the eff(;ct to show, that a note not made j)ayable at any particular |)laee wus, in fact, 
 agreed to be |)ayable at a particular place."
 
 CH. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 425 
 
 directions or acts has induced the holder to make the present- 
 ment at any place in good faith, he would be estopped from 
 objecting to the demand on the ground that the place was an 
 improper one.(r) A presentment at the place thus appointed is 
 also sufficient to charge an indorser.(A') The law with reference 
 to altering a note or bill by the addition of a place of payment, 
 either in the body or by way of memorandum, will be consir' 
 ered hereafter. 
 
 We have already seen the conflict which has existed in the 
 English cases with reference to acceptance and notes payable 
 at a specified place, and that the statute 1 & 2 Geo. IV. c. 78, 
 was passed to obviate the difficulty. (/!) We will now consider 
 the law of that country Avith reference to the liability of the ac- 
 ceptor. 
 
 By the terms of the statute, an averment and proof of demand 
 is necessary Avhen the bill is accepted payable at a particular 
 place " only, and not otherwise or elsewhere." It is not neces- 
 sary, however, to use all these words, " and not elsewhere " hav- 
 ing been held to make an acceptance special and conditional ; (ii) 
 that is, to require demand at that place. The same rules would 
 doubtless apply where the bill was drawn payable at a specified 
 place only, and not elsewhere, and accepted generally. (z;) 
 
 An averment and proof of demand at tlie place is not neces- 
 sary where a bill is accepted payable at a particular place with- 
 out the exclusive words, (r^) nor where a bill is drawn payable 
 under like conditions, and accepted generally. (.^•) The acceptor 
 of a bill, accepted payable at a specified place, as, for instance, at 
 a banker's, without the words " only, and not elsewhere," will 
 
 (r) Sussex Bank v. Baldwin, 2 Harrison, 487, by Dayton, J. 
 
 (s) Sussex Bank r. Baldwin, 2 Harrison, 487 ; State Bank v. Hurd, 12 Mass. 172. 
 
 (/) Supra, p. 308, notes. 
 
 (u) Higgins v. Nichols, 7 DowL 551. 
 
 {v) Infra, note w. 
 
 {w) In Halstead v. Skelton, 5 Q. B. 86, 2 Dowl. n. s. 69, the declaration stated 
 that the defendant accepted the bill " payable at A. & Go's," and that he promised to 
 pay it " according to the tenor and effect thereof." A demurrer, that the bill was not 
 alleged to have been presented at A. & Co.'s for payment, was overruled as frivolous. 
 It will not be a variance to declare upon such a bill as payable at the place mentioned. 
 Blake v. Beaumont, 4 Man. & G. 7, 4 Scott, N. R. 617, 1 Dowl. n. s. 697. 
 
 (x) Selby v. Eden, .3 Bing. 611, 11 J. B. Moore, 511 ; Fayle v. Bird, 6 B. & C. 531, 
 2 Car %, P. 303, 9 Dow. & R. 639. 
 36*
 
 426 KOTES AND BILLS. [CH. XI. 
 
 still remain liable without any presentment at the place, though 
 he had fund.s with the banker sufficient to meet the acceptance, 
 and by the failure of the latter had lost the money. (2/) 
 
 The liability of the drawer and indorser of a bill has not been 
 altered by the statute. (sr) Therefore, if the bill is drawn payable 
 at a specified place, and accepted so payable, it is necessary both 
 to aver and prove a presentment there, to charge them. (a) But 
 inasmuch as, in an action against them, if the bill has been ac- 
 cepted payable at a certain place, without being drawn in that 
 manner, no acceptance at all need be stated, (6) a presentment at 
 the place need not be averred, (c) but it should be proved. (cZ) 
 
 iy) Turner v. Hayden, 4 B. & C. 1, 6 Dow. & R. 5, Ryan & M. 215; Sebag r. 
 Abitbol, 4 Maule & S. 462. 
 
 (z) The statute "is confined in its operation to the case of acceptors alone." Tindal, 
 C. J., Gibb V. Mather, 8 Eing. 214, 221. 
 
 (a) Chitty on Bills, lOtli Lond. ed., 375. In Boydell v. Harkness, 3 C. B. 168, whero 
 the bill was drawn payable in London, Maule, J., interrupting counsel, said : " The 
 necessity of a distinct allegation of presentment in London, if any exists, arises here 
 from the fact of there being a direction in the bill, on the part of the drawer, to pay tbo 
 bill there. If the drawer directs the drawee to pay the bill at a particular place, the 
 liability of the drawer and iudorscrs arises only on the drawee's failure to pay upon the 
 bill being presented to him at the place indicated." The case itself decides that, since 
 the venue was laid in London, a general allegation of presentment was sufficient, under 
 the rule of Hilary T. 4 Wm. IV. r. 8. In Lyon v. Holt, 5 M. & VV. 250, the head 
 note reads : " Where a bill is drawn payable to the order of the drawer at a particular 
 jjlacc, it seems thsit a declaration against the drawer or indorser, alleging a presentment 
 generally, is sufficient after verdict." In Byles on Bills, 168, note x, this is doubted, and 
 dicld in Boydfll v. Harkness, 3 C. B. 168, would also seem somewhat inconsistent 
 with it. 
 
 (b) Jones V. Morgan, 2 Camp. 474; Tanner v. Bean, 4 B. & C. 312 ; BayJcij, B. 
 Parks V. Edge, 1 Croinp. & M. 429. And if alleged, need not be proved. Tanner v 
 Bean, 4 B. &. C. 312 ; contra, Jones v. Morgan, 2 Camp. 474. 
 
 (c) I'arks v. Edge, I Cromp. & M. 429, 3 Tyrw. 364, an action against an indorser. 
 The bill was accepted payable at a certain ])lace. Harris v. Packer, 3 Tyrw. 370, note, 
 infra, note d. 
 
 (d) Gibb n. Mather, 8 Bing. 214, 1 Moore & S. 387, 2 Cromp. & J. 254. In an ac- 
 tion by an indorser against tiic drawer of a bill, accepted payable at a banker's, the 
 declaration diij not state any acceptance, out only a presentment to the acceptor, and 
 his refusal to pay. The proof was presentment to the clerk of the banker at the clear- 
 ing-house. IliM, that the presentment was sufficiently proved. Harris v. Packer, 3 
 Tyrw. 370, h(jie. A presentment of a bill acccjjted |)ayal)le at a banker's to his clerk 
 attlie clearing-house is sufficient. U(;ynolds v. Chettle, 2 Camj). 596. An averment that 
 a bill ncocpled pnyableat a banker's was, when due, ])resented to the banker's for payn/ent 
 according to the tenor tlu^reof, and that the banker, an acccjitor, refused payment, shall bo 
 supported after judgment on a sham jjlcii. Huffiam v Ellis, 3 Tantit. 415. So in an ai'tion 
 against sin iiiilor.ser of a bill, an averment of presentment to the banker and accept(>r 'ic- 
 fording to th<' tenor of the bill was held sufficient upon s|)e(ial demurrer, assignint; for
 
 CH. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 427 
 
 The "liability of the maker and iudorser of a note is also un- 
 changed by the statute. (e) The rule on this point is, that where 
 the place is mentioned in the body of the note, presentment must 
 both be averred and proved. (/) But if the place is stated in a 
 
 cause that no presentment at the house was averred. Bush v. Kinnear, 6 Maule & S. 210. 
 Where a liill is drawn, pa\'able to the order of the drawer at a particular place, it seems 
 that a declaration against the drawer or indorser, alleging a presentment, generally is 
 sufiflcient after verdict. Lyon v. Holt, 5 M. & W. 2.50. An allegation of presentment 
 to the acceptor is proved by evidence of presentment at the place specified. Hardy v. 
 Woodroofe, 2 Stark. .319 ; Giles v. Bourne, 6 Maule & S. 73, 2 Chitt. 300; Wilmot 
 V. Williams, 8 Scott, N. R. 713. These were actions against tiie drawers of bills ac- 
 cepted payable at a banker's. The same has been held where the bill was directed to 
 the drawee at a certain place, and accepted by him generally. Hine v. Allely, 4 B. & 
 Ad. 624. But in such case no allegation of presentment to the acceptor is necessary. 
 It is sufficient if there is an averment of due presentment at the place. De Bengareche 
 V. Pillin, 3 Bing. 476, 11 J. B. Moore, 3.50 ; Hawkey v. Borwick, 4 Bing 135, 12 J. 
 B. Moore, 478, 1 Younge & J. 376, an action against an indorser, where it was also 
 held that a presentment to the banker was not necessary. So Philpott v. Bryant, 3 Car. 
 & P. 244, 4 Bing. 717, 1 Moore & P. 754, where the acceptor had died before the ma- 
 turity of the bill. In Benson v. White, 4 Dow, 334, a declaration against the acceptor 
 stated that payment was demanded at the place where the bill was made payable, with- 
 out averring a refusal, but in conclusion stated that the acceptor had not paid any of the 
 suras mentioned. Judgment was entered for the plaintiff, and on a writ of error, brought 
 for want of an averment of a refusal, the judgment was affirmed in the House of 
 Lords. See to the same point Butterworth v. Despencer, 3 Maule & S. 150, infra, note /! 
 
 (e) Supra, note z, Parke, B., Emblin v. Dartnell, 12 M. & W. 830; Pollock, C B., 
 Spindler v. Grellett, 1 Exch. 384. 
 
 (f) Sand.erson v. Bowes, 14 East, 500; Dickinson v. Bowes, 16 id. 110; Howe v. 
 Bowes, id. 112, 5 Taunt. 30 ; Emblin v. Dartnell, 12 M. & W. 830, where a count in a 
 declaration was held bad after verdict, for omitting to allege a presentment at the place ; 
 Sands v. Clarke, 8 C. B. 751 ; Vander Donckt v. Thellusson, id. 812, where the note 
 was made in Belgium, in the following form: "A trois mois de date je payerai a 
 I'ordre de Mons. F. Vander Donckt la somme de cinq cent francs, valeur recue comp- 
 tant. Accepte', bon pour cinq cent francs, payable a la fin d'Octobre, 1843. Chez 
 M. Legrelle. C. Thellusson." Held, that this was to be considered as a note payable 
 at a specified place ; that the words " Chez M. Legrelle " could not be treated as a 
 mere memorandum, because they were separated from the preceding ones by a full pe- 
 riod ; and that, by the law of Eitgland, there must be a presentment at the place named. 
 The defendant objected that there was a variance, because the declaration described the 
 note generally, and that there was no averment of presentment at the place. The 
 plaintiff introduced evidence to show that, by the law of Belgium, a presentment at the 
 place was not necessary. The judge directed the jury to find for the plaintiff, if they 
 believed the law of Belgium to be as stated, and they found a verdict in accordance 
 with it. New trial ilciiied. Spindler v. Grellett, 1 Exch. 384. In this case the dec- 
 laration stated that the defendant made his promissory note, and thereby promised to 
 pay to the plaintiff "by the name and addition of Miss Jessie Hope, at 10 Duncan 
 Street, Edinburgh," the sum of £200. Averment, that the plaintiff was always ready 
 and willing to receive the said sum, according to the tenor and effect of the note, of 
 which the defendant had notice. Breach, non-payment. Held, on general demurrer,
 
 428 NOTES AND BILLS. [CH. XL 
 
 memorandum at the foot of the note, beneath the maker's signa- 
 ture, this is treated as only directory, and not a substantive part of 
 the contract, and presentment at that place is not essential. (g^) 
 The law with reference to altering a note or bill by the addition 
 of a place of payment, either in the body of the instrument or 
 by way of memorandum, will be found on a subsequent page. (A) 
 
 that this was a note payable at a specified place, and that the declaration was bad for 
 not averring a presentment at that place. Rolfe, B. : " The ground of demurrer is, 
 that the note appears, by the declaration, to have been made payable at a particular 
 place, and there is no averment of presentment at that place. First, it is said that such 
 is not the true construction of the note, and that the words 'at 10 Duncan Street' 
 arc merely descriptive of the person of the payee. But it is impossible to torture the 
 words to any such meaning, without endeavoring to make obscure that which is per- 
 fectly plain. Secondly, it is said that it is not necessary to aver a presentment, be- 
 cause the note is not negotiable; and Wain v. Bailey, 10 A. & E. 616, is relied on 
 (which decided that, where the instrument is not negotiable, the maker is bound to 
 pay it without its production, and therefore it is no answer to say that he was always 
 ready and willing to pay on the note being delivered up). But in that case the party 
 could not be damnified by the non-delivery of the note ; for the instrument not being 
 negotiable, the payee alone could sue upon it. No such distinction exists as to the 
 necessity for presentment, which must be averred, whether the note be negotiable or 
 not. The third point is, that, assuming this to be a note payable at a particular place, 
 the declaration alleges that which amounts to an averment of presentment, namely, 
 that the party was always ready and willing to receive the money according to the 
 tenor and effect of the note. It seems strange to endeavor to construe words which 
 have one meaning so as to give them another and different meaning. Those words 
 cannot apply to a presentment, and never were intended to mean it." In BnttcrAVorth 
 v. Despencer, 3 Maule & S. 1.50, the declaration averred a presentment at the place 
 specified, and that the defendant, though often requested, refused to pay. A demurrer, 
 on the ground that there was no averment of a refusal at the place, was overruled. See 
 Benson v. White, 4 Dow, 334, supra, note d. The contrary doctrine was held in the 
 earlier cases. Wild v. Rennards, 1 Camp. 425, note; Nicholls v. Bowes, 2 id. 498. 
 
 (g) Saunderson v. Judge, 2 H. Bl. 509 ; Richards v. Milsington, Holt, N P. 364, note ; 
 Price V. Mitchell, 4 Camp. 200 ; Exon v Russell, 4 Maule & S. 505 ; Williams v. War- 
 ing, 10 H. ScC.2,5 Man. & R. 9 ; Masters v. Baretto, 8 C. B. 4.33. In this case the 
 maker h.ad indorsed the note, and it was contended that, by the indorsement, he had 
 incorjjoratcd the meinorandum into tlie body of the note; but this was overnded. 
 Another distinction attempted to be taken bctwiH'n the cases cited supra, note /', and 
 the prcsimt was, that in the former the memorandum began with the word " at," while 
 in the latter it began with "payable at"; but this was likewise overruled. In Exon 
 V. Russell, 4 Maule & S. .505, a description of a note with such a memorandum at the 
 foot, as [)ayable at a Rpecifi(-d place, was held to be a variance. Contra, Sproule v. 
 Legg, 3 Stark. 156, 2 Dow. & R 15, 1 B. & C. 16. But if the declaration merely .states 
 that the note was made payable at the place, without saying that it was so payable ac- 
 cording to the t<:nor of the note, this docs not aniciunt to a inisdescription, iiiid may be 
 rcjefted as suridusnge. Hardy v. Woodroofe, 2 Stark. 319. In Trecotliirk v. Edwin, 
 I id. 468, Lord Kllmliorouf/h held, that if the memorandum was printed, it must ba 
 considered as a part of th(! note, having been made at the same time. Sed quxre. 
 
 (/() /„fra, Vol. II. j.p 546, 547.
 
 CH. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 
 
 429 
 
 The law on this subject in this country is, as has already been 
 remarked, different from that of England. In all the States, with 
 the exception of Louisiana and Indiana, it is now held that both 
 maker and acceptor are liable, without a presentment at tlie place 
 designated ; (i) but the fact that either of them had funds there 
 ready to be paid over on presentment of the note or bill might 
 be pleaded in reduction of damages or mitigation of costs ; (j) 
 but not in bar of the action. (/e) But it has been held that the 
 declaration should state the place at which tlie note is payable, 
 and that a count, which described the note as payable generally, 
 was fatally defective ; in other words, that this constituted a va- 
 riance. (/) 
 
 An opinion has been entertained by some covirts that an aver- 
 ment and proof of demand are necessary in case of a note paya- 
 ble on demand, or without any time being specified ; the rea- 
 son being, that where the time is fixed, the defendant may easily 
 aver a readiness and ability to pay at the place on present- 
 ment ; but where the time depends entirely on the pleasure of 
 the holder, it would be impossible in many cases to set up this 
 defence, (m) 
 
 {{) Supra, p. 309, note a. 
 
 (j) Supra, p. 309, note a. 
 
 {k) Supra, p. 309, note a. 
 
 (I) Covington v. Comstock, 14 Pet. 43 ; Sumner v. Ford, 3 Pike, 389. 
 
 (?n) In Wallace v. M'Connell, 13 Pet. 136, 146, Thompson, J. attempted to reconcile 
 the cases of Wild ?;. Rennards, 1 Camp. 42.5, note, NichoUs v. Bowes, 2 id. 498, and 
 Sanderson v. Bowes, 14 East, 500, on the ground that the former cases were actions 
 on notes payable at a time fixed, and the latter was on a note on demand. He said: 
 "Lord Elienborough, in the course of the argument in Saunderson v. Bowes, in answer 
 to some cases referred to by counsel, observed : ' Those are cases where money is to 
 be paid, or something to be done at a particular time as well as place ; therefore the 
 party defendant may readily make an averment that he was ready at the time and place 
 to pay, and that the other party was not ready to receive it ; but here the time of pay- 
 ment depends entirely on the pleasure of the holder of the note.' It is true Lord Ellen- 
 borough did not seem to place his opinion, on the ultimate decision of the cause, upon this 
 ground ; . . . . and there is certainly a manifest distinction between a promise to pay on 
 
 demand at a given place and u promise to pay at a fixed time at such place Where 
 
 the promise is to pay on demand at a particular place, there is no cause of action until 
 the demand is made, and the maker of the note cannot discharge himself by an offer 
 of payment, the note not being due until demanded." A decision to the like effect 
 was made in Bank of North Carolina v. Bank of Cape Fear, 13 Ired. 75, where Ruffin, 
 C. J. said, that there was no doubt that the law was as held in that case, and that the 
 cases in America clearly admit the distinction. A similar opinion was expressed by 
 Stanard, J., in Armistead v. Armistcads, 10 Leigh, 512, who said that " it would prob- 
 ably be held that there is no default of the maker or acceptor until such demand be
 
 4-jO . NOTES AND BILLS. [CH. XL 
 
 The conlrary doctrine, however, has been held by several 
 courts, (w) and the ground on which their decisions are based is 
 this: No such presentment is necessary where the time is fixed, 
 and a presentment prior to the suit is not essential, in the case 
 of notes on demand without any place being designated ; tliere- 
 fore a presentment at the place cannot l)e necessary where lioth 
 these circumstances concur in the same note : and the fact that 
 
 made, and consequently that no action would accrue to the payee until such demand 
 should be made." In Caldwell v. Cassidy, 8 Cowen, 271, Savage, C. J. said : " In the 
 case of a note payable on demand at a certain place, — a bank-note, for instance, — 
 I apprehend a demand would be necessary, and must be averred." But the same judge 
 held the contrary in Haxtun v. Bishop, 3 Wend. 1, infra, note n. In Maine, R. S. 
 1857, p. 273, it is enacted that, " in an action on a promissory note payable at a place 
 certain, either on demand or on demand at or after a time specified therein, the plain- 
 tiff shall not recover, unless he proves a demand made at the place of payment prior 
 to the commencement of the suit." A note payable at a time and place certain is not 
 within the statute. Stowe v. Colburn, 30 Maine, 32. 
 
 (n) Haxtun v. Bishop, 3 Wend. 13 ; New Hope D. B. Co. v. Perry, 1 1 111. 467 ; Mont- 
 gomeiT r Elliott, 6 Ala. 701 ; Dougherty v. Western Bank, 13 Ga. 287 ; McKenney 
 V Whipple, 21 Maine, 98, where Tcnney, J. said : " It is settled so far beyond dispute 
 that authorities are not thought necessary to be cited, that a note payable on demand 
 generally is payable everywhere, and a suit can be maintained, though not preceded by 
 a demand. A previous demand, then, in this State, is unnecessary on a note payable 
 at a particular place on a day certain ; and also on a note payable on demand gen- 
 erally. In the former, proof that the debtor was prepared at the place and on the day 
 when payment was to be made to discharge the note if presented, and bringing the 
 money into coiu't, would be a bar of damages, and entitle him to costs. Why should a 
 different principle be made to apply to the note containing in itself both the terms, 
 which may be disregarded in a note which contains one or the other, but not both ? Is 
 there any more necessity for the protection of the debtor's interests and rights, that a 
 demand should be made when both e.xist together than when they may be in two notes 
 between the same parties ? Are reasons to be found in one case inapplicable in the 
 other? The authorities which have been cited from English books to support the 
 views taken by the defendant's counsel establish there a doctrine which is not recog- 
 nized here. Is the maker of a note, payable at his own residence on demand, in a 
 situation to be injured by being called upon to answer to an action commenced upon 
 it, without a previous demand, more than ho would bo upon one payable at the same 
 place on a day certain ? In the latter case he is, to be sure, only to provide himself 
 with the means of payment on the day upon which he engaged to make it; and bj 
 doing so he is secure from injury. When, for instance, he engages to pay on demand 
 at liis residence, he is subjected to the additional risk of being called upon when he 
 may not liavc provided for the exigency; to be certain of cxemjjtion from costs, he 
 must be constantly in funds to meet the note, inasmuch as he would not be entitled to 
 notice of the time when the jiresentment of the note would be made ; and immediately 
 after a default on \\h part to meet the demand made according to the terms of his en- 
 gageini'tit, he would be liable He could not insist upon a day or an hour in which 
 to ])rovide the meaiiH of discharge. But this additional risk he has voluntarily taken 
 U[ioii hiiii^elf^ jiiid therefore he must ask no iiultilgenec on that aeeoutit. Jf the ac-
 
 CH. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 431 
 
 the defence is more difficult in the one case than in the other 
 does not avail, because the defendant has taken upon himself 
 the additional risk, and the hardship, if any, is one of his own 
 creation. 
 
 It seems to be settled, that, in order to charge the indorser of a 
 note, a demand at the place designated is necessary, and must be 
 averred and proved. (o) The reason given is, that his hability is 
 
 tioii is brought without a previous demand at his residence, the bringing the action 
 would be the demand, as in cases when the note is payable on demand generally; and 
 proof of a readiness to discharge the obligation at his residence on the day rf the 
 commencement of the suit, and bi-inging the money into court, would be a bar to dam- 
 ages, and would entitle him to his costs in the same manner as on a note payable at a 
 certain day at his residence. We are unable to see wherein he would not be equally 
 protected in the one case as in the other, excepting so far only as his own contract may 
 require liitn to be constantly ready in one, and only on a particular day in the other. 
 The restriction cannot be regarded as useless in one more than on the other. It may 
 be, and often is, a great benefit to the maker of a note to be allowed to pay it at a place 
 where he may be possessed of the means, and if he be thus possessed according to his 
 engagement, he does not suffer. And it is not seen in what manner he would be preju- 
 diced in such a note as the one now under consideration by a want of presentment, 
 more than in one payable on a day certain. On the hypothesis that a demand is ne- 
 cessary on a note like the one before us, the demand could be of no utility to the debtor, 
 
 if unprovided with the means of payment From the whole examination which we 
 
 have been able to make of the authorities bearing upon the question, aiul the consider- 
 ation which we have given the subject, we are satisfied that a decision in favor of the 
 defendant in this case would be virtually a denial of the soundness of the reasons which 
 sustain the law that is here settled, that a presentment is unnecessary on a note pay- 
 able at a particular time and place " The same was held with reference to a note 
 payable on demand after a fixed time, in Gammon v. Everett, 25 Maine, 66. But the 
 law has been changed in Maine, by statute, supra, note m. In Cook v. Martin, 5 
 Smedes & M. 379, the distinction was adverted to ; but it was held, that, whatever 
 might be the rule with reference to notes on demand, no demand at the place was neces- 
 sary to charge the maker of a note payable on demand five months after date. In 
 Dougherty t; Western Bank, 13 Ga. 287, an opinion is expressed that a demand is 
 necessary in the case of a bank-bill payable on demand at a designated place, but none 
 can be required on a note payable under like conditions. The reason given for the 
 distinction is public policy. The distinction is expressly denied in Bank of North 
 Carolina v. Bank of Cape Fear, 13 Ired. 7.5, which holds that a demand is necessary 
 in both cases ; and Haxtun v. Bishop, 3 Wend. 1, Montgomery v. Elliott, 6 Ala. 701, 
 were actions on bank-bills, and held that a demand was not essential, putting promis- 
 sory notes and bank-bills upon the same footing. 
 
 (o) In Bank of U. S. v. Smith, 1 1 Wheat. 171, it was held, thf t, in an action against 
 an indorser, on a note payable at a particular bank, the bank not being the holder, an 
 averment of a demand at that bank is indispensable. But where the bank is the holder, 
 an allegation that the note was presented to the maker and payment refused, under 
 which competent evidence of a demand was introduced at the trial without objection, is 
 so far sufficient that the judgment will not be reversed. Thompson, J., after intimating 
 an opinion that such averment would not have been necessarv if the defendant had
 
 432 NOTES AND BILLS. [CH. XL 
 
 conditional, while that of the maker and acceptor is absolute. 
 But when a note is payable at a bank, and the bank itself is the 
 holder, it has been held that an averment of presentment to the 
 maker generally was sufficient. (/?) 
 
 been the maker, said : " But when recourse is had to the indorser of a promissory note, 
 as in the present case, very different considerations arise. He is not the original and 
 real debtor, but only surety. His undertaking is not general, like that of the maker, 
 but conditional that if, upon due diligence having been used against the maker, pay- 
 ment is not received, then the indorser becomes liable to pay. This due diligence is a 
 condition precedent, and an indispensable part of the plaintiff's title and right of re- 
 covery against the indorser. And when, in the body of the note, a place of payment is 
 designated, the indorser has a right to presume that the maker has provided funds at 
 such place to pay the note, and has a right to require of the holder to apply for pay- 
 ment at such place. And whenever a note is made payable at a bank, and the bank 
 itself is not the holder, an averment and proof of the demand at the place appointed in 
 the note are indispensable." The same was held in Bank of Wilmington v. Cooper, 1 
 Harring. Del. 10; Watkins v. Crouch, 5 Leigh, 522; Hartwell v. Candler, 5 Blackf. 
 215, but this, it will be observed, was an Indiana case, where the law is stated to be 
 different from the other States ; Smith ». M'Lean, 2 Taylor, N. Car. 72 ; Nichols v. 
 Pool, 2 Jones, N. Car 23. In North Bank v. Abbot, 13 Pick. 465, a suit against 
 an indorser, Shaw, C. J. said : " Where a note is made payable at a particular 
 bank, or other place certain, it has long been held, and is now well settled, not 
 only that the holder is not bound to present it to the promisor at any other place, 
 but that a presentment at any other place would be unavailing ; a promisor would be 
 under no obligation to pay it at another place, and of course a refusal to pay upon 
 such presentment would be no dishonor upon which the indorser could be charged. 
 Berkshire Bank v. Jones, 6 Mass. 524 ; Woodbridge v. Brigham, 12 id. 405, corrected 
 in 13 id. 556." If this language is not to be considered as referring to an indorser, it 
 is incorrect, so far as it relates to the point that a presentment at any other place is un- 
 availing. The statement appears to be too broad. In Shaw v. Reed, 12 Pick 132, the 
 court said that the excuse for non-presentment to the maker, that he had absconded, 
 did not apply when the note is payable at a time and place certain ; " that an actual or 
 virtual demand must be made at that place, and notice of non-payment there must 
 be given to the indorser in order to charge him ; aiid it was resolved, that, as the 
 note m suit was not at the bank on the day on which it became due, no legal 
 demand was made, and therefore the defendant was discharged from liability as 
 indorser" See Carley v. Vance, 17 Mass. 389, Wilde, J.; Woodbridge v. Brigham, 
 13 id. 556, Parker, C. J. In Seneca Co. Bank v. Neass, 5 Denio, 329, McKissock, J. 
 said : " There was, it is true, a defect in tlie certificate, as it did not state where the 
 demand of the note was made ; but this difficulty was oi)viated by the oral testimony 
 of the notary, which showed that it was at the lianking-liouse of the plaintifls, the 
 place of jiaymcnt." See Woodworth v. Bank of America, 19 Johns. 391, 405, Kent, 
 Ch. ; Bacon v. Dyer, 3 Fairf 19, WcsUm, C. J. ; Hart v. Green, 8 Vt. 191, Phelps, J. : 
 Allen V. Smith, 4 Ilarring. Del 234, liooth, C. J. See also the cases of Sullivan ?>. 
 Mitchell, 1 N. ('ar. Law Rep. 482, Taylor, C. J.; Irvine i;. Withers, 1 Stew. Ala 234, 
 Sdffold, J. ; Roberts v. Mason, 1 Ala. 375 ; Montgomery v. Elliott, 6 id. 701, Onnond, 
 J,; GhiHgow V. Pratte, 8 Misso. 336. The demand was held sufficient, when made 
 after businesH hours, the officers declaring tliat the i)ayer had no funds there, in Shep- 
 herd V. Cluitriberlain, 8 Gray, 22.5. 
 
 (p) Blink of South Carolina »;. Plagg, 1 Hill, S. < 'nr. 177; Bank of V. S. n. Smiih, 
 11 Wheat. 171, niijira, note o.
 
 CH. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 4:'-j'd 
 
 It has been held that a presentment at a different place from 
 the one at which the note was payable, and an absolute re- 
 fusal by the maker to pay, and a statement that any further 
 presentment at the place specified would be useless, because 
 there were no funds there, was not sufficient to charge an in- 
 dorser.(<7) 
 
 So where a note payable at one bank was, with the consent of 
 an indorser, negotiated at another, a demand at the latter bank 
 was held insufficient to charge the indorser, although it was 
 proved that the maker had no funds at tlie bank where the note 
 was payable. (r) 
 
 We are not aware that the necessity of such averment and 
 proof to charge the drawer and indorser of a bill has been ad- 
 judged except in a very few of the reported cases in this coun- 
 try ; but as to tlie proof, it must be as essential where the drawer 
 or indorser of a bill is sought to be charged, as where the question 
 is concerning the liability of an indorser of a note.(s) Whether 
 
 {q) Smith V. M'Lean, 2 Taylor. N. Car. 72. 
 
 (r) Watkins v. Crouch, 5 Leigh, 522. 
 
 (s) Tuckerman v. Hartwell, 3 Greenl. 147, is the only case which has been found 
 where the liability of a drawer, in this respect, has been distinctly discussed. The bill 
 was accepted to pay in Boston, and the words, " A. F. Howe & Co." were written at 
 the lower left-hand corner, but were not plainly legible. The plaintiff insisted that 
 these words formed no part of the acceptance ; and as the bill was accepted payable in 
 Boston, that they were only bound to prove that it was in Boston at maturity, and that 
 due notice was given to the drawer of its dishonor. But the judge, at Nisi Prius, in- 
 structed the jury, if they should find that the words "A. F. Howe & Co " were phiced 
 upon the bill by the acceptor at the time of the acceptance, and intended to designate 
 the place at which the bill should be presented for payment, and that the plaintiffs, the 
 indorsers, knew that it was so intended, and where the place was, that it was incumbent 
 on the plahitiffs to prove a demand at the place. The jury found for the defendant, 
 and a new trial was refused. It may be observed, however, with reference to this case, 
 that Mel/en, C. J., after adverting to the difference between the liability of an acceptor 
 and that of a drawer or indorser, said : " The line of distinction, however, is not drawn 
 with clearness, and therefore we have not founded our opinion upon it, though there 
 seem to be good reasons for the distinction." In Story on Bills, § 35b, it is laid down, 
 that " if the bill be made payable at a banker's, or other particular place, and accepted 
 accordingly, it should be presented for payment at that place at its maturity, otherwise 
 the drawer and prior indorsers will be discharged." In Story on Prom. Notes, § 230, 
 it is said that the English and American authorities " are entirely in coincidence on the 
 point that it is indispensable, in order to charge the indorser or the drawer, that a pre- 
 sentment for payment should be made not only at the place, but also on the very day 
 of the maturity of the note or bill, otherwise the indorser or drawer will be absolutely 
 iischarged." In Edwards on Bills, 496, it is stated, that, " when a bill or note is 
 
 Vol. 1.— 2 C
 
 434 NOTES AND BILLS. [CH. XL 
 
 the distinction mentioned above, which the English courts seem 
 to have taken between the necessity of an averment where tlie 
 bill is drawn payable at a place certain, and its non-requirement 
 where the acceptance alone is so payable, would be followed, 
 may be doubted. 
 
 There can be no such distinction in this country as that which 
 exists in England witli reference to the liability of the maker, 
 where the place of payment is mentioned in the body of the note, 
 and where it simply constitutes a memorandum at the foot ; be- 
 cause if the maker is liable without a presentment in the former 
 case, he must be in the latter. This question might arise, how- 
 ever, with respect to the liability of an indorser of a note, or of 
 a bill, with such a memorandum at the foot of the acceptance, 
 or possibly of an acceptor who has accepted generally the bill 
 drawn with the memorandum beneath the signature of the 
 drawer. But it may well be doubted whether, independently of 
 the question of alteration, the distinction adverted to is not more 
 nice than sound ; and it has a tendency to create confusion and 
 uncertainty on this subject, already overburdened with niceties 
 and refinements. (^) Where thei-e is any difference between the 
 law of the place where a note or bill is made, and that which 
 exists where payment is to be demanded, the law of the latter, 
 which must be pleaded and proved like any other fact, will 
 govern, (w) 
 
 Whatever difference there may be in the cases, as to the 
 necessity of a demand at the place specified, it is perfectly 
 clear that, so far as place is concerned, a presentment there 
 by the holder is always sufficient. And this is true, whether 
 
 drawn payable at a place named, it is essential to show, in an action against the drawer 
 or indorser, a j)resentment at the place apjiointcd." None of the American cases cited 
 by the learned author, however, on this point, are direct decisions respecting drawers 
 or indorsers of bills. 
 
 (I) In Tnckerman v. Hartwcll, 3 Greenl. 147, the distinction in denied. The facts 
 in i\w case will be foutid supm, note s. But in Pierce v. Whitney, 29 Maine, 188, 195, 
 Shfifilpif, J. said : " The place of y)ayment must bo stated in the body of the note, to 
 make it payable at that jilacc." " A written memorandum of such a place at the foot, 
 or on the margin of the note, has been adjudged to be insuiricicnt." These are mere 
 dicta, however. The point was touched upon in Fletcher v. l?lo(l,';ett, 10 Vt. 26, where 
 it was said to be an open question. The subject of the effect of a memorandum, in 
 general, is treated clsewhcire. 
 
 (it) I'ryor r. Wright, 14 Ark. 189.
 
 CH. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 435 
 
 the liability of the indorser,(iy) maker, (.r) drawer,(y/) or ac- 
 ceptor (2) is concerned. 
 
 Nor in such case is it necessary for the maker himself, or his 
 agent, to make any formal demand, for it is sufficient if the note 
 is at the place on the day of maturity, ready to be delivered up 
 to any party who may be entitled to it on payment of tlie amounc 
 due ; and if, at the close of business hours, the note or bill is still 
 unpaid, these facts alone constitute a dishonor, and the requisite 
 
 (w) In Saunderson v. Judge, 2 H. Bl. 509, the place of payment was mentioned 
 in a memorandum, and yet a demand there was held sufficient. In Bank of U. S. 
 V. Cariieal, 2 Pet. 54-3, Stonj, J. said : " Where a note is payable at a bank, it is not 
 necessary to make any personal demand on the maker elsewhere. It is his duty to be 
 at the bank within the usual hours of business to pay the same, and if he omits so to 
 do, and a demand is there made of payment by the holder, within those hours, and 
 it is refused or neglected to be made, the holder is entitled to maintain his action for 
 such dishonor." Berkshire Bank v. Jones, 6 Mass. .524 ; Woodbridge v. Brigham, 
 
 13 id. 556, 12 id. 405 ; Bank of Utica v. Smith, 18 Johns. 230 ; Anderson v. Drake, 
 
 14 id. 114, 117, by Thompson, C. J., who said : " The settled law now is, tliat a de- 
 mand of payment at the place where the note is made payable is enough to charge 
 the indorser. Gale v. Kemper, 10 La. 205 ; Commercial, &c. Bank v. Hamer, 7 How. 
 Miss. 448 ; Cohea v. Hunt, 2 Smedes & M. 227 ; Harrison v. Crowder, 6 id. 464 ; Good- 
 loe V Godley, 13 id. 233 ; Rahm v. Philadelphia Bank, 1 Rawle, 335 ; Jenks o. Uoyles- 
 town Bank, 4 Watts & S. 505, where it was held, that a statement in the protest of a 
 demand at the bank was, prima facie, sufficient ; also, that it need not be shown that the 
 cashier was at the bank during the whole of business hours, because the presumption is 
 that he performs his duty. See Bank of South Carolina v. Fhigg, 1 Hill, S. Car. 177 
 In De Wolf v. Murray, 2 Sandf 166, the holder went to demand payment of the ac- 
 ceptor of a bill directed to the latter, "at the office of H. O. CoUard, No. 18 Chapel 
 Walks, Liverpool," and found the office shut, and no one there to answer. Held a suf- 
 ficient presentment to charge an indorser. See also irfra, note y. Bank of Syracuse 
 c. Holli.ster, 17 N. Y. 46, where the teller, who was also a notary, took the note to the 
 bank at about 6 P. M., and finding it shut, as notary, demanded payment of him- 
 self, as teller. He knew that there were no funds in tlie bank. Held sufficient. 
 
 (x) Lyon v. Williamson, 27 Maine, 149, where the maker was ready at the time and 
 place, and the holder was not there to receive the money, but subsequently made a 
 demand at the place, and was not able to obtain payment. Held sufficient. Stedinan 
 V. Gooch, 1 Esp. 3. 
 
 (v) Supra, notes. In Evans v. St. John, 9 Port. Ala. 186, the drawer of a bill pay- 
 able at a bank, in a suit against him, offered evidence to prove that he had deposited in 
 the hands of the acceptor, at the maturity of the bill, funds more than sufficient to 
 meet it. Held, that, inasmuch as a proper demand had been made at the bank, the evi- 
 ,ience was inadmissible, because immaterial. In Hine v. Allely, 4 B. & Ad. 624, the 
 acceptor accepted generally a bill directed to him at No 6 Budge Row, Watling St. 
 Held, tha.t an averment of presentment to the acceptor was supported by proof that the 
 holder went to the place mentioned to present the bill, and found the house siiut up, 
 and no one there. The subject how far this fact constitutes an excuse will be treated 
 infra. 
 
 {z) Fodcn i: Sharp, 4 Johns. 183 ; McClane r. Fitch, 4 B. Mon. 599.
 
 436 KOTES AND BILLS. [CII. XI. 
 
 notice may be given forthwith to the proper parties.(a) It is usual, 
 however, in such instances, to have a formal presentment and re- 
 fusal made. We do not regard this as necessary. (6) In a peculiar 
 case where a letter enclosing a bill was mislaid or lost in the bank, 
 and the bank was wholly ignorant that the bill was in the bank, it 
 was held that the fact that it was there did not constitute a present- 
 ment. (66) 
 
 In some cases an examination of the accounts of the maker 
 has been made, in order to ascertain whether the bank or banker 
 at whose place of business a note has been made payable has any 
 funds with which to pay the note.(c) But this is clearly un- 
 necessary, where it is proved by any competent evidence that no 
 funds were there to meet the note, and that no one came to pay 
 h.{d) And unless the bank or banker is the owner of the note, 
 and not merely the holder for collection, it may well be doubted 
 whether the mere fact that the bank or banker had funds of the 
 maker in its possession would constitute any defence for the 
 
 (a) Saunderson v. Judge, 2 IT. Bl. 509 ; Fullerton v. Bank of U. S., 1 Pet. 604 ; 
 Bank of U. S. v. Carneal, 2 id. 543 ; Berkshire Bank v. Jones, 6 Mass. .524 ; Folj;'er v. 
 Chase, 18 Pick. 6.3; Nichols v. Goldsmith, 7 Wend. 160; Ogden v. Dohhin, 2 Hall, 
 112; Woodin v. Foster, 16 Barh. 146; Gillett v. Averill, 5 Denio, 85; Allen i-. Miles, 
 4 Tlurring. Del. 2.34 ; Graham v. Sangston, 1 Md. 59 ; Hunter v. Van Bomhorst, id. 504 ; 
 Goodloe V. Godley, 1,3 Smedes & M. 233. These were cases against an indorsei". Maurin 
 II. Perot, 16 La. 276, an action against a maker; State Bank v. Napier, 6 Humph. 270, 
 un action against a !)aiik for neglect of dutv, by which it was claimed that the indorsers 
 of a note dejiosited there were discharged. 
 
 (b) In Ogdcu V. Dobbin, 2 Hall, 112, Oakley^ J. said: "There was no necessity for 
 the cashier to make any other demand. His sn])sequent delivery of the note to a no- 
 tary, and his personal demand on the makers, was jirobablj^ by way of greater caution, 
 and was clearly unnecessary." So in Gillett v. Averill, 5 Denio, 85, where the only 
 evidence of presentment was, that the teller, on the day of maturity, drew the note from 
 the jiackage where it was kept, and, knowing that the liiakcr had no funds in the bank, 
 he gave notice to the indorser, without any formal demand of ])ayment, or any actual 
 examination of the maker's account. The defendant moved for a nojisuit, which 
 was denied. WJMllcsiy^ J. said : " The jiresentment for payment was sufficient. It is 
 understood to be the custom of l)anks holding pronussory notes payable at their own 
 counter to wait, on the day of the maturity of the note, until the close of business hours, 
 ami then, if the maker has no funds, to give notice of noii-])ayment, willumt making 
 ;uiy otlier demand id' |)avnient. This custom is sanctioned by jndiciid decisions. It may 
 lie Usual for tiie teller, or other officer, to incjuire of the book-kecjier if the maicer has 
 any funds; but in this case such imiuiry was unnecessary, as the teller swore that he 
 knew there wen; no funds in the l)ank to ])ay the note. No formal demand, or unmean- 
 ing proclamation, at tlie close of banking hours for the day was necessary, or is ever 
 necessary, in such cases." Fullerton v. Bank of U. S., 1 Pet. 604, infra, note /; 
 Show, V.,]., (iilbcrt )'. Dennis, 3 Met. 495. 497. 
 
 {hh) (,'liico|)ee I'.ank /■. I'biladclpbia I'.ank, 8 Wallace, 641. 
 
 (r) Saunderson c .luilye, 2 H. 151. 509; Maurin v. I'erot, 16 La. 276; Bank of South 
 Carolina w. Flagg, 1 Hill, S. (Jar. 177. 
 
 (d) (iillrtt V. Averill, 5 Denio, 85, xiijirn, note b ; State Hank v. Napier, 6 Ilumpli. 
 270, wliere the judgr; at Nisi Prius instructed the jury that such examinaiion was 
 necessary, and llie charge was held to i>e, erroneous ; Fullerton i>. Bank of U. S., 1 Pet. 
 f)04, infra, note /.
 
 CH. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 43'^ 
 
 indorser ; because this would give no riglit to appropriate the 
 money to the payment of the note, without the direction of the 
 promisor, and the consent of the banlv or banker, or some usage 
 of trade or custom to that effect. (e) But if the bank or banker, 
 in such case, has become the owner, by discount or purcliase, 
 the circumstances just mentioned might perhaps furnish a de- 
 fence.(/) 
 
 It is not necessary for the holder to show that the note was in 
 the hands of the officer of the bank whose duty it was to receive 
 payment ; (g-) nor even if it were proved that it was not in his 
 hands, would this fact be material, provided the note was in the 
 bank, and was unpaid. (A) If the note were in the bank, the pre- 
 sumption is that the proper officer could have obtained it ; and 
 if the note is the property of the bank, the plahitiff need not 
 prove that it was at the bank, the presumption being that the 
 note was there, and the burden of proof is upon the defendant 
 to show that the maker called for the purpose of paying it.(t) 
 
 (e) We has'e found no authority to this effect, but it would seem that there can be 
 no doubt of the proposition. But Story, J., in Bank of U. S. v. Carneal, 2 Pet. 543, 
 said : " If the bank has funds of the maker in its hands, that might furnish a defence 
 to a suit brought for non-payment. But this is properly matter of defence to be 
 shown by the party sued, like any other payment, and not matter to be disproved by 
 the bank, by negative evidence." It may be, however, that the bank in this case was 
 the owner of the note. The suit was brought, it will be seen, in the name of the bank. 
 See FuUerton v. Bank of U. S., infra, notey. 
 
 (/) See Bank of U. S. v. Carneal, 2 Pet. 543, supra, note e. In Fullerton v. Bank of 
 U. S., 1 id. 604, the judge, at Nisi Prius, charged the jury, " that, on a note made payable 
 at a particular bank, it is sufficient to show that the note had been discounted and be- 
 come the property of the bank, and that it was in the bank, not paid at maturity." The 
 defendants excepted, and it was held that the charge was as favorable to them as they 
 had a right to claim. Johnson, J. said : " Nothing more than this could have been 
 required by the court; for the positive proof that the bill was not paid will certainly 
 imply that there were no funds of the drawer there to pay it. The fact could not have 
 been made more positive by inspection of the books. The charge is, perhaps, too 
 favorable to the defendants, since modern decisions go to establish that, if the note be 
 at the place on the day it is payable, this throws the onus of proof of payment upon the 
 defendant. This is more reasonable than to require of the plaintiff the proof of a nega- 
 tive, and comports better with the general law of contracts." See Gillett v. Averill, 
 5 Denio, 85, supra, note b. See also the cases of Allen v. Miles, 4 Harring. Del. 234 ; 
 Maurin v. Perot, 16 La. 276. The language used in these cases is, that it is sufficient 
 if the note is at the place, and there were no funds of the maker there. 
 
 (g) See Jenks v. Doylestown Bank, 4 Watts & S. 505, supra, p. 435, note w ; 
 Folger V. Chase, 18 Pick. 63, hifra, note i. 
 
 (A) State Bank v. Napier, 6 Humph. 270. 
 
 Ci) Berkshire Bank v. Jones, 6 Mass. 524 ; Folger v. Chase, 18 Pick. 63, where 
 37*
 
 4S8 NOTES AND BILLS. [CH. XI 
 
 If the holder, on the day of maturity, finds the place of pay- 
 ment closed, it has been held that he is not bound to make any 
 furtlier demand to charge either drawer {j) or iudorser.(A;) 
 
 If at that time the acceptor be dead, a presentment at such 
 place has also been held sufficient to cliarge a drawer. (/) 
 
 If the office at which payment was to have been made has 
 ceased to exist previous to and at the maturity of a note, no 
 demand at all has been held necessary,(m) even where the bank 
 has been sold to another similar corporation, which was made the 
 agent of the bank for settling its affairs of discount and de- 
 posit, (w) 
 
 Where a note is made payable at any or at either of the banks 
 of a city or town, the holder has a right to elect at which bank 
 
 Wilde, J. said : " No demand was necessary except at the bank ; and although there is 
 no express proof that tlie notes were there, and some officer of the bank in attendance, 
 at the times the notes fell due, yet this must be presumed, and it was for the defendants 
 to show that the makers called at the place appointed for the purpose of making pay. 
 ment. The testator by his indorsements guaranteed that the makers would respectively 
 be at the bank and pay the notes according to their tenor." 
 
 (j) Hine v. AUely, 4 B. & Ad. 624, supra, p. 435, note y. 
 
 (k) De Wolf y. Murray, 2 Sandf 166, supra, p. 435, note w. 
 
 (I) Philpott V. Bryant, 3 Car. & P. 244, 4 Bing. 717, 1 Moore & P. 754, supra, p. 427, 
 note d. 
 
 (m) Erwin v. Adams, 2 La. 318; Roberts v. Mason, 1 Ala. 373. See Central Bank 
 V. Allen, 16 Maine, 41, iii/ra, note n. 
 
 («) Roberts v. Mason, 1 Ala. 373. Collier, C. J. said : " The contract of indorsement 
 was, in law, an agreement on the part of the defendant to pay to the plaintiff, if the 
 note should be duly presented for payment at the office of discount and deposit of the 
 Bank of the United States at Mobile, and legal notice be given him of the default of 
 the makers, in the event of their failure to provide for it. One of the conditions on 
 which the liability of the defendant depended, it became impossible to perform, in con- 
 sequence of the office of discount and deposit ceasing to exist previous to the maturity 
 of the note. But it is not pretended that that occurrence was produced by the instru- 
 mentality of the plaintiff, and it cannot be held to int(!ri)olate the contract of indorse- 
 ment, so as to make the indorser's lial)ility depend upon the performance of a condition 
 by the indorsee whi(;h did not constitute a part of the original contract." But in Cen- 
 tral Bank v. Allen, 16 Maine, 41, a case where tiie bank at which the note was payalilo 
 had ceased to exist, and its place of business was occupied by another bank, without 
 any arrangement by the latter as to settling uj) the business of the former, the court 
 seemed disposed to tliink that presentment should still be made. Weston, C. J. said : 
 "And we are inclined to the opinion that the Branch Hank having ceased to opeiatc, if 
 iheir banking-house had not l)ecn occupied by a similar institution, prescniment would 
 have been excused. If this was the place of demand, and U|)on the fa-^ts we think it 
 was, liicn! is evidence of a sunicieiit iircscntment at that |)lacc." A demand was, it will 
 be seen, made at tlie latter bank, and the defemlant contended tiiat it ought to have 
 been made on the maker at his jjlace of business or of residence ; but the court held 
 the; (K'lriancl siillicient.
 
 CH. XI.] AT WHAT PLACE DEMAND SHOULD BE MADE. 4*59 
 
 he will make the presentment, and a demand there will be suffi- 
 cient, (o) This rule is applicable equally to places where there 
 are many banks, as to those in which there are only a few.(/>) 
 An opinion seems to have been entertained, that where there are 
 several banks in a large city, the holder is bound to give notice 
 to the promisor where his note is ; (q) but this must now be con- 
 sidered as overruled. (r) The reason given is, that the stipulation 
 as to the place of payment was not made for the benefit of the 
 maker, but of the holder ; and to require notice to be given 
 where the note is, would in many cases be more difficult to prove 
 than an actual presentment to the maker on the day of pay- 
 ment. {5) 
 
 (o) Maiden Bank v. Baldwin, 13 Gray, 154, a suit against the indorser of a note 
 payable "at bank in Boston "; North Bank v. Abbot, 13 Pick. 46.5, an action against 
 the indorser of a note payable " at either of the banks in Boston " ; Jackson v. Packer, 
 13 Conn. 342, a suit against the acceptor of a bill payable " at either bank in Provi 
 dence " ; Langley v. Palmer, 30 Maine, 467, an action against the indorser of a noto 
 payable " at any bank in Boston " ; Page v. Webster, 1 5 id. 249, a suit against the 
 indorser of a note payable at " either of the banks in Portland." 
 
 (p) In Langley v. Palmer, 30 Maine, 467, a distinction was attempted to be drawn 
 on this ground between that case and Page v. Webster, 15 id. 24, but the court over- 
 ruled it, saying that " tlie principle is applicable equally to a note payable in Boston 
 as in Portland." 
 
 ((]) Shaw, C. J., North Bank v. Abbot, 13 Pick. 465: " It would seem to follow, 
 from other established rules, that, in such case, the holder should give notice to the 
 promisor where his note is. But of this it is not necessary to give anj' opinion in the 
 present case, because it was proved that, in fact, the promisor had notice that his noto 
 was in the North Bank." 
 
 (r) Maiden Bank v. Baldwin, 13 Gray, 154 ; Jackson v. Packer, 13 Conn. 342, where 
 Waite. J. said that the notice " was not required by the express terms of the bill, nor 
 has any local usage upon that suiiject been shown, and we know of no rule of law re- 
 quiring it. If the parties wish for more certainty as to the place of payment, let them 
 be more explicit in the bill " Langley v. Palmer, 30 Maine, 467 ; Page v. Webster, 
 15 id. 249. 
 
 (.s) Biyelow, J.. Maiden Bank v. Baldwin, 13 Gray, 154. In Page v. Webster, 
 Shepliy, J. said : " This form of a note has been introduced into this part of the country 
 within a few years, and it may aid in determining the rights and duties of the parties to 
 inquire at whose instance the note must have been so formed. It is not easy to perceive 
 what benefit the maker would derive from a note in that form, unless it were made by 
 a banker or banking-house, in which case there might be hope of advantage from an 
 increased circulation. While the maker ordinarily could derive no advantage from 
 such a form, he might justly apjirehcnd some inconvenience in looking up the note to 
 pay it. For, as it regards him, it is quite clear that the holder, by the law in this and 
 most of the other States, is not obliged to have it at the place where payable A 
 readiness to pay at the appointed place is matter in defence only. It is not, therefore, 
 probable that it was so formed for his interest or accommodation. To the payee it 
 might be of advantage. He misrht be desirous of making use of the note in the mar-
 
 440 NOTES AND BILLS. [CH. XL 
 
 Where a note is payable at two places, the holder has a right 
 to present it at either he may choose ; (t) and if a bill be payable 
 in a city, and the acceptor has no residence or place of business 
 there, it will be sufficient to charge the drawer if the bill is in 
 the city at the day of maturity, ready to be delivered up to the 
 acceptor if he should come to pay it.(w) 
 
 If a bill is drawn on a person residing in one place, payable in 
 another, it is said that, in case of an acceptance and subsequent 
 refusal by the acceptor to pay, the latter is the proper place in 
 
 ket, or at a banking-house, to obtain the money before it became due. It would be 
 convenient to have it payable at a bank, to save the risk and trouble of a present- 
 ment to the maker. And if made payable at a particular bank, it would not be so 
 readily received at other banks, because it would subject them to the risk and trouble 
 of being watchful for the day of payment, and of sending it to the bank where pay- 
 able for presentment. It would be natural for business men to endeavor to obviate 
 this difficulty, so as to enable them the most readily to obtain cash for the note at 
 any bank, not being limited to one, where funds were to be loaned. A note payable 
 at any bank in a j)lace would therefore be desirable to the payee, and it is but rea- 
 sonable to conclude that such a form was introduced for his convenience and interest. 
 And if so, does it not show that the intention of the parties was to relieve the payee or 
 holder from risks and troubles to which he might be subjected if made payable at any 
 one bank only ? And if such were the intentions of the parties, they can only be car- 
 ried into effect by requiring the maker to look for his note at all the places vvhere he 
 promises to pay it. For to require the holder to give the previous notice now insisted 
 upon, would not only defeat the object of relieving from trouble and risk, but would 
 subject to much greater than if made payable at one bank only. The maker's express 
 promise to pay at any one of several places would indicate to a common mind the 
 dut}' to act according to what is supposed to Iiave been the intention of the parties, and 
 to look at all the places for it, or have funds there when it became due. And as re- 
 spects his own liabilities, it has already been seen that he must do it to relieve himself 
 from the danger of costs, or at least must show in defence a readiness at some place 
 named. The payee never could have designed, by receiving a note in that form, to 
 have incurred the responsibilities now supposed to attach to it, yet if there is any rule 
 of law 80 clearly settled and well established as to decide the legal construction which 
 ought to be given to a contract in that form, the parties must be supposed to intend to 
 conform to it." 
 
 (0 Becching v. Gowcr, Holt, N. P. 313, where tlie note was payable at Maidstone, 
 and at Kamsbottom & Co.'s, London. 
 
 In) Boot V. Franklin, 3 Johns. 207, where the bill was payable in London, and the 
 declaration stated that the bill not l)cing paid, and the holders, not knowing wliere to 
 present the same for payment in London, caused the same to be protested. Kent, C.J. 
 Baid : " Nor were tin; holders bound to go elsewliere to seek tlie drawees, as the bill had 
 directed the f)ayment to be in London. Tiiey conformed their conduct to the tenor of 
 tlic liill. They were in London on the diiy of jiaynient, ready to receive jiayment, and 
 they did ail that they were (■tiabled to do ; tliey caused the bill to be there protested. The 
 d(!chiration in this case also states sufficient to entitle tlu; |)hiintitTs to recover." Se(; also 
 Mtt.son V. Franklin, 3 Johns, '202. liii/elow, J., Maiden Bank j;. Baldwin, 13 GroJ, 154.
 
 CH. XI.] AT WHAT TLACE DEMAND SHOULD BE MADE. 441 
 
 which to make presentment. (v) Bnt where a bill drawn in thij> 
 way had been accepted for the honor of the payee, " if regularly 
 protested and refused when due," a presentment in the place 
 where the drawee resided, without any at the place where the bill 
 was drawn payable, was held to be sufficient. (t«;) 
 
 The fact that a note is dated at a certain place, it need hardly 
 be necessary to remark, does not make the note specially payable 
 there. (aj) It may have the effect of leading a holder, who has 
 
 (v) Story on Bills, ^ 282, 353. See Chitty on Bills, 1 0th Lond. ed., 240. But in Ma- 
 8011 V. Franklin, 3 Johns. 202, a bill drawn on a person at Liverpool, payable in London, 
 was protested for non-acceptance in Liverpool, and afterwards for non-payment at 
 the same place. Kent, C. J., after remarking that a good cause of action had arisen on 
 the protest for non-acceptance, said : " But we are of opinion that, as no place of pay- 
 ment in London was designated, the demand for payment and protest for non-payment 
 were well made upon the drawees personally at Liverpool. It would have been a very 
 idle act for the holder to have gone into London to make inquiry, when no place in 
 London was pointed out in the bill, and when the drawees resided at Liverpool, and 
 had refused to accept the bill. Tlie law merchant has not pointed out any particular 
 spot in London for such inquiries, and to have attempted it at large would have been 
 the height of absurdity. The common law in general, and especially the commercial 
 law, which forms a distinguished branch of it, is founded on the principles of utility and 
 common senje ; and it would be truly surprising, and repugnant to the very spirit of 
 the system, if an inquiry so senseless was requisite to consummate the right of the 
 holder of the bill. It must be a sound rule, that where no particular plaice of payment 
 is fi.xed, a demand upon the drawee personally is good. A general refusal to pay, was 
 a refusal to pay according to the face of the bill. It was equivalent to a refusal to pay 
 in London. We do not mean to say that the demand of payment at Liverpool was 
 indispensable. The bill being payable at London, it would have been sufficient for the 
 holder to have been there when the bill fell due, ready to receive payment. In the pres- 
 ent case a protest at London, or a demand and protest at Liverpool, were sufficient, and 
 the holder might take either course. The holders elected to demand payment of the 
 drawers personally at Liverpool, and to cause the bill to be protested there, and the 
 plaintiffs accordingly did all that in reason or law can be required to fix the antecedent 
 parties to the bill." 
 
 (w) Mitchell v. Baring, 10 B. & C. 4. In Chitty on Bills, 10th Lond. ed., 241, it is 
 said ; " This case, though decided upon the peculiar form of the acceptance, and there- 
 fore not involving the general question as to the usage and custom of merchants, was 
 nevertheless considered as sufficiently casting a doubt upon the validity of the pre- 
 vious practice to require the interference of the legislature ; and accordingly the Act 
 of 2 & 3 Wm. IV. c. 98, was passed." By the terms of this statute, such a bill as 
 that in Mitchell i'. Baring may, without further presentment to the drawee, be protested 
 for non-payment at the place where it is payable. 
 
 (x) Lightner v. Will, 2 Watts & S. 140. In Taylor v. Snyder, 3 Denio, 14."), 
 Beardsley, J. said : " The date of a note at a particular place does not make that the 
 place of payment, or at which payment should be demanded for the purpose of charg- 
 ing the indorser. This was expressly adjudged in the case of Anderson v. Drake, 14 
 
 Johns. 114 It has been supposed that the case of Stewart v. Eden, 2 Caines, 121, 
 
 •ount' narces a different doctrine. Livinr/ston, J. there said : ' The notes being dated in
 
 442 NOTES AND BILLS. [CH. XL 
 
 no knowledge of the place of residence or business of the maker, 
 to suppose that he might be found there. (?/) Perhaps it may be 
 said, generally, that the date of a certain place raises the pre- 
 sumption that the paper is payable, and therefore to be demanded, 
 at that place. 
 
 SECTION YII. 
 
 EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT. 
 
 We have already stated that all the parties subsequent to the 
 principal payor are only as his guarantors, and promise to pay 
 only on condition that a proper demand of payment be made, 
 and due notice be given to them in case the note or bill is dis- 
 honored. And we repeat this as one of the fundamental prin- 
 ciples of the law of negotiable paper ; and the infrequency and 
 the character of the circumstances which will excuse the holder 
 from making the demand, and still preserve to him all his rights 
 as effectually as if it were ma4e, will illustrate the stringency of 
 the rule itself. 
 
 The only general and universal rule which can be laid down 
 with respect to demand is, that in all bills of exchange, the 
 
 New York, tlie maker and indorscr are presumed to have resided and contemplated 
 payment tliere.' Tliis remark was in ))art strictly correct, for tlie date of the note was 
 presumptive evidence of residence ; and in a general sense it may also be true that tho 
 date raises a presumption that the parties contemplated |)ayment at that place. Judge 
 Livingston did not say that the note was, by law, payable at the place of its date ; on 
 the contrary, the form of expression conchf^ivcly repels that idea. lie was not speak- 
 ing of what the parties were bound to do by the terms of the note, of their legal obli- 
 gations flowing from the engagement as maker and indorscr, but sim])ly of what they 
 were presumed to have contemplated There is nothing, therefore, in this re- 
 mark of Judge Livingston wliich can bo made to countenance the idea that a note, 
 when no other place of payment is specified, is by law j)ayable at the place of its date. 
 Anderson v. Drake, 14 Johns. H4, supra ; Bank of America » Woodworth, 18 Johns. 
 .322." In Fisher v. Evans, ."5 liinn. .54 1 , Til(/hman, C J. said : " I can find no such prin- 
 ciple a.s that for which the plaintiff in error contends, that the place where the bill is 
 drawn must he taken to be the residence of tho drawer." Galjjin v. Hard, 3 McCord 
 394. Sec IJurrows v. Ilanncgan, 1 McLean, 309. But see the cases cited infra, p. 
 4.')8, note n, where a difltrrent doctrine seems to be laid down. 
 
 (//) Uliitiiinn, C. J., Tierce v. Whitney, 22 Maine, 11.3, 29 id. 188. Sec tho <-asC!i 
 cited Hiipra, p. 441, nolo x; Duncan v. M'CulIough, 4 S. & R. 480 ; Nailor v. B'twie. 
 3 Md. 2.51.
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT, 443 
 
 holder, in order to recover of the drawers or indorsers, " must 
 prove a demand of, or due diligence to get the money from, the 
 acceptor" ; (c) and in all actions upon promissory notes by ai; in- 
 dorsee against the indorser, the plauititf must prove a demand of, 
 or due diligence to get the money from, the maker of the note, (a) 
 
 The question of excuse, then, will depend upon the fact 
 whether due diligence has been used to find the maker or ac- 
 ceptor, and presents the ordinary inquiry as to negligence. That 
 question may, and often does, depend on such a variety of cir- 
 cumstances, that it is very difficult, if not impossible, to reduce 
 them to any fixed or invariable rule. (6) When there is no dis- 
 pute about the facts, due diligence is a question of law for the 
 court to determine ; (c) and where the facts are controverted, or 
 the proof equivocal or contradictory, it would seem to be a mixed 
 question of law and fact.(^) 
 
 The principal excuses resolve themselves into two classes : 
 First, the impossibility of demand. Second, the acts, words, or 
 position of a party, provhig tliat he had no right, or waived all 
 right, to the demand, of the want of which he would avail himself. 
 
 1. Where the Demand for Payment cannot be made. 
 
 That impossibility should excuse non-demand is obvious ; for 
 the law compels no one to do what he cannot perform. But it 
 must be actual, and not merely hypothetical ; and thougii it need 
 not be absolute, no slight difficulty will have this effect. 
 
 We have already considered the law of demand with reference 
 to the person by whom it is to be made, of whom it is to be 
 made, and as regards the method, time, and place of making 
 it. We will now consider the impossibility of presentment with 
 reference to the same points, and afterwards with respect to 
 other circumstances. 
 
 (z) Lord Mansfield, C. J., Heylyn v. Adamson, 2 Burr. 669, 678 ; Kent, J., Munroe 
 V. Easton, 2 Johns. Cas. 7.5. 
 
 (a) Lord Mansfield, C. J., Heylyn v. Adamson, 2 Burr. 669, 678. 
 (6) Slorrs, J., Windham Bank v. Norton, 22 Conn. 213, 221. 
 
 (c) Wheeler v. Field, 6 Met 290, where the notary testified that he had used due 
 diligence, and the lury, in reply to a question by the court, stated that they had found 
 that due diligence was used ; but the court set aside their verdict in favor of the plain- 
 tiff, and ordered a new trial. See Orear v. McDonald, 9 Gill, 350 ; Cathell i'. Goodwin, 
 ^ Harris & G. 468. 
 
 (d) See Orear v. McDonald, 9 Gill, 3.50 ; Cathell v. Goodwin, 1 Harris & G. 468.
 
 444 NOTES AND BILLS. [CH. XL 
 
 If at the time a note or bill matures the holder is dead, and 
 no executor or administrator is appointed, it is clear that no de- 
 mand can be made at that time ; and consequently this fact 
 operates as an excuse, but not in general for an entire want of 
 demand, but for a presentment at what would otherwise be the 
 time required by law. The executor or administrator has a rea- 
 sonable time after appointment in such cases within which to 
 present the note or bill.(e) So where an agent with whom a note 
 had been left for collection died four days before maturity, after 
 an illness of more than a month, and about three weeks after- 
 wards his executrix discovered the note locked up in his desk, 
 where it had remained unknown to her, and caused it to be im- 
 mediately presented, the indorser was charged. (/) 
 
 Where there is no person upon whom it is possible to make a 
 demand, the indorser must of course be liable without one. As 
 where a note was signed by an agent having authority so to do, 
 and the note was subsequently indorsed, the principal being dead 
 at the time the note was made and delivered, no demand was 
 held necessary. (»■) And the same would probably be held where 
 the apparent maker was living, but the note was void against 
 him,(/i) on account of usury, (i) illegal consideration, or forgery ; 
 or where the maker was a married woman ; or perhaps a minor, 
 both at the time of making and of maturity ; though some doubt 
 might be entertained in the last case.(y) But cases may be im- 
 
 (e) "White v. Stoddard, 11 Gray, . 
 
 (/) Du;.'giin V. King, Rice, 239. 
 
 [y) Bunill r. Smith, 7 Pick. 291, where Parker, C. J. said : "In this case, one of 
 the strong points of the argument for the defendant is, that there being in Aict no prom- 
 isor, the indorser, if compelled to pay, will have none to call upon to reimburse him. 
 Also, that the common requisites of an action against indorsers cannot be complied 
 with, for there can be no demand upon the promisor. But this will affect only the 
 form of the declaration. The same difficulty — if it is one — will occur in the cases of 
 void or voidable notes above mentioned ; for a demand in such cases would be merely 
 formal. The administrator of a deceased person, whose name appears to a note, may 
 as well be called upon, in order to give an action against an indorser, as the person 
 whose name is forged. An averment thiit, at the time of writing the note by the attor- 
 ney for the principal, the princijial was dead, would be sufficient to entitle the plaintiff 
 to recover." 
 
 (h) Chandler v. Mason, 2 Vt. 19.3. 
 
 ((■) Copj) V. M'Dugall, 9 Mass. 1, whore the evidence of the note being void was 
 considered an admission or recognition of the illegality of the note by the indorser. 
 
 (j) See till! remarks of Parker, C. J., snjira, note fj. The void or voidable notes 
 just mentioned arc notes void I)et\veeii promisors and payee, on account of usr/y
 
 CH. XL] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT. 445 
 
 agined under almost any of the circumstances above mentioned, 
 in whicli the maker has intimated a purpose of waiving such de- 
 fence ; and if so, it might be thought that a demand should be made 
 of him. And if this be so, should not a demand be made, on the 
 ground that, as the defence might be waived, the indorser had a 
 right to insist that a proper effort should be made to ascertain 
 whether the maker intended to make such waiver or avail him- 
 self of the defence ? The authorities do not aid us much in 
 answering all these hypothetical questions. But the nature and 
 purpose of negotiable bills and notes, and the decisions, as far 
 as they go, wo\ild lead us to lay down the rule, as at least gen- 
 erally applicable, that, wherever the maker has an unquestiona- 
 ble and certain defence in law, it will be the presumption of law 
 that he will make this defence, and therefore there need be no 
 demand of him. Nor is the indorser injured by this rule ; for if 
 the liability of the maker is wholly at his own option, he will be 
 at liberty to pay the debt to relieve or indemnify the indorser, as 
 for the immediate benefit of the holder, and so the indirect bene- 
 fit of the indorser. 
 
 We have already seen, that, where the maker dies before the 
 note matures, the general rule is, that demand should be made 
 of his personal representatives ; (k) consequently the death of 
 the maker or acceptor is no excuse for non-presentment. And 
 this is so even when the indorser whom it is sought to charge 
 has been appointed administrator of the maker's estate. (/) But 
 where there are no personal representatives, of course no demand 
 can be made. Thus, where the maker and his whole family 
 were drowned two days before the note matured, there being no 
 will, and no administration having been taken out on the estate, 
 it was held that no demand was necessary, (m) 
 
 or other illegal consideration. So if the indorsement is made of a note made by a 
 minor or of &feme covert, and even if the name of the promisor is forged. As regards 
 voidable notes, a distinction might be made on the ground that the makers might pay, 
 although they are not obliged so to do ; and it might be said, that, in order to consti- 
 tute due diligence on the part of the holder, he should make a presentment, to see if 
 they would not honor the notes. The necessity of demand would, it is conceived, be 
 Btill stronger where the maker has come of age before the note has matured ; as circum- 
 stances might have happened amounting to a ratification. 
 
 (k) Supra, p. 364, note x. 
 
 d) Magruder v. Union Bank, 3 Pet. 87 ; Juniata Bank v. Hale, 16 S & R. 157. 
 
 (»i) Haslett V- Kunhardt, Rice, 189, Richardson, J. dissenting. 
 
 VOL. I. 38
 
 446 NOTES AND BILLS. [CH. XL 
 
 But where an administrator lias been appointed, and by law is 
 entitled to a certain time within which to settle up the estate of 
 the deceased, prior to the expiration of which he is not liable to 
 be sued by any creditor of the estate, a demand upon him has 
 been held to be excused, provided the note fall due within the 
 time limited, but not otherwise. (w) 
 
 Where neither the maker nor his last and usual place of busi- 
 ness or residence can be found, no demand need be made, but 
 the holder must prove that he used due dilio;ence to find them, 
 and that his efforts proved unavailing. (o) 
 
 2. Of Insolvency. 
 
 As between the holder of negotiable paper and the prior par- 
 ties thereto, the insolvency or bankruptcy of the maker or ac- 
 ceptor will constitute no excuse for want of demand. (y;) The 
 rule is the same whether the payor becomes 'insolvent between 
 the time of indorsing the note and its maturity, (g) or is insolvent 
 before and at the time of the indorsement, and his insolvency is 
 known to the indorser when he puts his name upon the note.(r) 
 
 (/() Supra, p. 364, notes y and z. 
 
 (o) Infra, p. 448, note d. 
 
 [p] In llussel V. Langstatfe, 2 Doug. .514, .515, it was said by counsel in argument, that, 
 "as to the banicruptcy, it had been frequently ruled by Lord Mansfield at Guildhall, that 
 it is not an excuse for not making a demand on a note or bill, or for not giving notice of 
 non-payment, that the drawer or acceptor had become a bankrupt; as many means may 
 remain of obtaining payment, by the assistance of friends or otlierwise." But the case 
 itself turned on anotlier point. This statement, liowever, was recognized as law by 
 Lord I'jllenborough, in Warrington v. Furbor, 8 East, 242; and in Esdaile v. Sowerby, 
 11 id. 114, he said : " It is too late now (1809) to contend that the insolvency of the 
 drawer or acceptor dispenses with the necessity of a demand of payment or of notice of 
 the dishonor." So, in Nicholson v. Gouthit, 2 H. Bl 609, Eyre, C. J. .said : " It sounds 
 harsh that a known bankruptcy should not be equivalent to a demand or notice ; but 
 the rule is too strong to be dispensed with." See Bowes v. Howe, 5 Taunt. 30, 16 
 East, 112; Sands u. Clarke, 8 C. B. 751. So also Parsons, C. J., Bond v. Farnhani, 
 5 Mass. 170; Shaw *;. Uccd, 12 Pick. 132; Granite Bank v. Avers, 16 id. 392; Mead 
 »;. Small, 2 Greenl. 207 ; Grecly v. Plunt, 21 Maine, 455 ; Hunt v. Wadlcigh, 26 id. 
 271 ; Oreare. McDonald, 9 Gill, 350; Armstrong ?;. Thruston, 11 Md. 148, where insol- 
 vency was held to bo no excuse for non-demand of the m.aker himself, and a demand 
 on the assignee was held insullicient. See also BLiiedict v. Caffe, 5 Duer, 226. Sed 
 qiuere. E<lwards v. Thayer, 2 Bay, 217 ; Bruce v. Lytic, 13 Barb. 163, where a demand 
 was made but five days after mulurity, and the indorser was discharged. See contra, 
 Ilawkinson v. Olson, 48 111. 277. 
 
 (q) Crosscii v. linfchinson, 9 Mass. 205. 
 
 (>•) Sandford v. Dillaway, 10 Mass. 52; I'lirniMii i\ Fnwle, 12 id. 89 ; Jcrvey ?\ 
 Wilbur, 1 Mailey, 45.'5; Allwood v. nMHcldon, 2 id. 457, where the same rule was ap- 
 plied to n note indorsed after matinity; Iligbtower v. Ivy, 2 Tort. Ala. 308. Contra,
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT. 447 
 
 The reason is to be found in the stringency of the rule requiring 
 demand, coupled with the fact that it is possible tliat the note 
 may still be paid by the assistance of friends, or otherwise. 
 
 As between third parties, whether a presentment to the maker 
 may not be dispensed with, has been treated as a distinct questio-n 
 from that of the necessity of presentment as against the maker or 
 indorser of a note.(6') This question has arisen where a note is 
 received in payment, both parties being ignorant of the insol- 
 vency of the maker ; and the point is, whether the person who 
 takes the note may not recover of the party from whom he 
 receives it, without any presentment to the maker. For a con- 
 sideration of this subject reference may be had to the chapter on 
 Payment. (/) As neither death alone, nor insolvency alone, will 
 excuse a want of demand, so the death of the maker leaving his 
 estate insolvent will be insufficient. (m) 
 
 Insolvency also comes into consideration as an excuse, where 
 it is connected with other circumstances. Thus, where the 
 drawer had become bankrupt, and the acceptor unable to pay ; 
 tiie latter, in the presence of both holder and drawer, declared 
 that he should not pay the bill when presented ; a demand upon 
 him at maturity was held to be still necessary in order to entitle 
 the holder to prove the debt against the drawer's estate. (y) A 
 similar question also arises where the maker becomes insolvent, 
 and absconds ; this point will be treated subsequently,(^^;) as 
 
 De Berdt v. Atkinson, 2 H. Bl. 336. This case will be further considered in the 
 next chapter. In Clark v. Minton, cited 2 Const. R. 680, 682, the recorded insolvency 
 of the maker at maturity was held an excuse for want of demand. This case is re- 
 ported in 2 Brev. 18.5. See also Ividdell v. Peronneau, cited 2 Brev. 188. 
 
 (s) Maule, J., Sands v. Clarke, 8 C. B. 751, 761, 
 
 (t) Infra, Vol. II. ch. 7. The cases on the subject of payment will be seen to be in 
 1 state of conflict, and the law on the point under consideration would probably depend 
 upon the view entertained by the courts of any particular State on the general subject 
 of payment. 
 
 (w) Gower v. Moore, 25 Maine, 16 ; Lawrence v. Langley, 14 N. H. 70, an action 
 against the indorser of a joint note, one of the makers of which had died insolvent 
 and the other had failed ; Johnson v. Harth, 1 Bailey, 482. In Davis v. Francisco, 
 11 Misso. 572, where it appeared that the indorser, when he indorsed the note, which 
 was done after maturity, knew the fact of the maker's death, a demand was held un- 
 necessary, Scott, J. dissenting. The fact of knowledge, it is conceived, could hardly 
 make any difference in the law. 
 
 (y) Ex parte Bignold, 2 Mont. & A. 633, 1 Deac. 712. How far declarations of the 
 parties may affect the question of excuse will be considered infra. 
 
 Iw) Infra, p. 449 et seq.
 
 4:48 NOTES AND BILLS. [CH. XI, 
 
 also the conduct necessary to be pursued by the holder wliere 
 the note was indorsed for the accommodation of the maker, and 
 the latter has failed. (.r) 
 
 In case of a partnership note and a failure of the firm, it will 
 still be necessary to present to one of the partners, or to use due 
 diligence to find one ; a demand at what was their place of 
 business before failure, but not occupied by either of them at 
 maturity, is insufficient. (//) 
 
 3. Of other Circumstances. \ 
 
 With regard to impossibility connected with the method of 
 presentment, it has already been said that the party who makes 
 the demand must have the note with him at the time ; but if the 
 note or bill is lost, it is obvious that this requirement cannot 
 be complied with.(2) Yet this fact will not excuse want of 
 presentment, as will be seen subsequently, (a) 
 
 With respect to the impossibility of presentment as to time, a 
 question may arise where the holder receives a note so near 
 maturity that it will be impossible for him to make a demand 
 before that time. This will be connected with tlie point, as to 
 what effect the distance of the place of residence or of business 
 of the maker will have upon the subject of excuse, and will be 
 considered in that connection. (6) 
 
 We have already seen that a neglect to present negotiable 
 paper in which no particular time is mentioned for making the 
 demand, is excused, if the holder, within the ])eriod at which he 
 should have presented it, puts it into circulation. (c-) 
 
 Wbcre neither the maker nor his last and usual place of busi- 
 ness or of residence can, by the exertion of due diligence, be 
 found, the holder may, by showing these facts, hold an indorser 
 liable. (c/) Tims, where the maker of a note is a sailor, who has 
 
 (x) Infra, p. 655. 
 
 (;/) Grnnite Rank «;. Aycrs, 16 Pick. 392. See infra, note d. 
 
 (z) Infra, Vol. H. ch. 9. 
 
 (a) Infra, Vol. II. ch. 9. 
 
 (/*) htfra, J). 4.'i6. 
 
 (c) Hiifira, p. 267. 
 
 (J) Diiiiciin V. M'Cullouf,'!), 4 S. & R. 480 ; Franklin i;. Verbois, 6 La. 727. In this 
 case the notary certified, "tliut dili^jent incjuiry was made at several jilaces of piiUHc 
 rcBort in this city and elsewhere for tlio drawer of the note, in order to demand paynicnt. 
 buihe could not be found, nor any pernon who could tell where he was to be found.'' Tli'
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT. 44'.' 
 
 no established place of abode, and is at sea when the note ma- 
 tures, proof of these facts will constitute a sufficient excuse for 
 non-presentment. (e) But if he has a place of residence where 
 his family are living when the note matures, it will be necessary 
 to present it there. (/) 
 
 Where the maker has absconded, according to many author- 
 ities, the holder is entitled to recover of an indorser, by simply 
 proving this fact and due notice, without showing any furtber 
 search. (^) But in a late case in Massachusetts it has been held 
 
 defendant introduced testimony to show that the maker was living with his mother in the 
 same city where the protest was made. The demand was held sufficient to charge the in- 
 dorser. Billiard, J. said : " There is no evidence to show that the holder of the note, or 
 the notary, knew the domicil of the maker ; and we are of opinion that making diligent 
 inquiry for the maker, and for his domicil, without effect, excuses the want of a formal 
 demand." In Stewart v. Eden, 2 Caines, 121, the general principle seems to be taken 
 for granted, though a demand was actually made on a clerk of the maker. In Helme v. 
 Middleton, 14 La. Ann. 484, a firm on whom a draft had been drawn had dissolved prioi 
 to tlie maturity of the draft, leaving no place of business, nor could they be found wiien 
 the draft matured. The drawer was held. We have already seen, that, where either of 
 the partners could have been found, by the use of due diligence, the holder would have 
 been bound to present the draft to him. Supra, p. 448, note y. See Galpin v. Hard, S 
 McCord, 394. 
 
 (e) Moore v. Coffield, 1 Dev. 247 ; Beardsley, J., Taylor v. Snyder, 3 Denio, 145, 151. 
 
 (/) Whittier v. Graffam,-3 Greenl. 82 ; Dennie v. Walker, 7 N. H 199. See Bel- 
 lievre v. Bird, 16 Mart La. 186. 
 
 (g) In Anonymous, 1 Ld. Raym. 743, it is said that " The custom of merchants is, 
 that if B, upon whom a bill of exchange is drawn, absconds before the day of paj'ment, 
 the man to whom it is payable may protest it, to have better security for the payment, 
 and to give notice to the drawer of the absconding of B ; and after time of payment 
 is incurred, then it ought to be protested for non-payment the same day of payment 
 or after it. But no protest for non-payment can be before the day that it is pay- 
 able. Proved by merchants at Guildhall, Trin. 6 W. & M., before Trehy, Chief Jus- 
 tice. And the plaintiff was nonsuit, because he had declared upon a custom to pro- 
 test for non-payment before the day of payment." In Putnam v. Sullivan, 4 Mass. 4.5, 
 Piirsons, C. J. said : " The first objection made by the defendants is founded on a want 
 of a demand of payment on the promisor when the note was payable. As to this ob- 
 jection, the facts are, that, on the first day of grace, which was the last day of February, 
 notice was left at the lodgings of the promisor, that the note would be due on the last 
 day of grace, with a request to pay it then ; but it also appears that before that time it 
 was known to the parties that he had absconded, and when the note was payable 
 was not to be found. The condition on which an indorser of a note is holden is, that 
 the indorsee shall present the note to the promisor when due, and demand payment of 
 it, if it can be done by using due diligence. Now it appears that when the note in this 
 case was due, it could not be presented to the promisor for payment, and that there was 
 no neglect in the indorsees. We are all, therefore, satisfied that the indorsers are holden 
 on their indorsement in this case, notwithstanding there was no demand on the prom- 
 isor." In Widgery v. Munroe. 6 Mass. 449, the maker before the note fell due " stopped 
 payment and went out of the country," and the court held that the plaintiff was excused 
 
 Vol. I.— 2 D
 
 450 NOTES AND BILLS. [CH. XI. 
 
 that, if the maker of a note absconds, leaving no visible property 
 whicli can be attached, a want of demand or of inquiry for him 
 is not thereby excused so as to charge an indorser, thougli the 
 latter knew of such absconding. (//.) 
 
 If the maker removes from the place in which he resided and 
 transacted business to another jurisdiction between the time a 
 note is made and its maturity, tlie holder will not be obliged to 
 go out of his own State in order to make a demand either on the 
 maker personally or at his new place of business or of resi- 
 dence, (t) Whether it will be necessary for the holder to use due 
 
 from demanding payment of him. In Hale v. Burr, 12 Mass. 89, Parker, C. J. said : 
 " It is well settled, that, if the promisor abscond before the day of payment, or has con- 
 cealed himself, the necessity of a demand is taken away. Due diligence to find him is 
 all that is required in the latter case; and in the case of absconding, even that is not 
 necessary." There are also dicta to the same effect in Shaw v. Reed, 12 Pick. 132 ; 
 &nd in Gilbert v. Dennis, 3 Met. 495, 499, per Shaw, C. J. The point was decided in 
 Lehman v. Jones, 1 Watts & S. 126; Reid v. Morrison, 2 id. 401. See Duncan v. 
 M'CuUough, 4 S. & R. 480 ; Wolfe v Jewett, 10 La. 383 ; Galpin v. Hard, 3 IMcCord, 
 394. In Gillespie v. Hannahan, 4 id. .503, Johnson, J. said : " It seems to be generally 
 agreed, that the absconding of the maker of a note, or the acceptor of a bill of exchange, 
 will excuse the holder from making a demand." See Gist v. Lybrand,3 Ohio, 307. la 
 Taylor v. Snyder, 3 Denio, 145, Beardsley, J. lays it down as undoubted law, that ab- 
 sconding is an excuse; and in Spies v. Gilmore, 1 Comst. 321, his remarks are cited 
 with approbation hy Jewett, C. J. See also Bruce v Lytic, 13 Barb. 163. 
 
 (A) Pierce v. Gate, 12 Cush. 190, Shaw, C. J. said : " The court instructed the jury 
 that, if the maker had absconded, leaving no visible property subject to attachment, no 
 presentment of the note to the maker, or demand at his dwelling-house, or other in- 
 quiry for him, was necessary The court are of oi)inion that this direction is iiot 
 
 sustained by the rules of law, and that it is incorrect. We are aware that in sonic of 
 the earlier cases in Massachusetts it was held that proof that the maker had ahscoiuled, 
 or failed, and become insolvent, so that a demand would be unavailing, would he an 
 excuse for want of presentment. But it has been decided, on consideration, and upon 
 princijjle, that tiie obligation of an indorser is conditional ; that is, tliat he will be 
 Rpswcrable if, at the maturity of the note, the holder will present it to the maker for 
 payment ; and if, thereupon, the maker shall neglect or refuse to pay it, and the holder 
 will give seasonable notice to the indorser, he will pay it himself. These arc the con- 
 ditions of his liability. Tlie holder, therefore, to charge the indorser, must show a com- 
 pliance with these conditions, or that proper means have been taken to effect a com- 
 pliance with them, unless indeed he can prove a waiver of them by the indorser. And 
 this, we think, is the rule as now settled. If the maker has left the Stale, the holder 
 must demand payment at his at-tual or last phu^e of abode, or of business, within the 
 Slate." It is not .stated in tin; report, but it is a fact ])crsonally known to us, that this 
 point was not argued, nor indeed raised, by counsel in this case. The defence was based 
 upon other grounds, because it was supposed that the decisions overruled by this case, 
 and thi! [iractice under them, luul established the law. 
 
 (') In M'Gruder v. Bank of Washington, 9 Wheat. 598, the maktr removed from 
 tho District of Columbia to Maryland ten days before the note in suit naitured, with-
 
 CH. XI.J K.XCUSKS FOR ABSENCE OF DEMAND OF PAYMENT. 451 
 
 diligence to find the maker's lust and usual place of business or 
 of residence in the place which he has left is unsettled, the au- 
 thorities being conflicting. (y) But we consider that it is more in 
 accordance with the rules of law respecting demand to require 
 
 out the knowledge of the holder. The notary certified that he went to the place where 
 the maker last resided in order to demand payment, but not finding him there, and be- 
 ing ignorant of his place of residence, returned the note under protest Held sufficient 
 to charge an indorser. Wheeler v. Field, 6 Met. 290, where the maker had left New 
 York for Illinois; Anderson v. Drake, 14 Johns. 114, where the maker had removed 
 from Albany to Canada, and a demand at the former place was held sufficient to chargn 
 an indorser ; Central Bank v. Allen, 16 Maine, 41, where the maker had removed from 
 Portland to the Western country, and a written demand at his former residence was held 
 sufficient; Reid v. Morrison, 2 Watts & S. 401, where the maker had left Ireland and 
 gone to America ; Gillespie v. Hajinahan, 4 McCord, 503, where the maker left Charles- 
 ton, and was supposed to have gone to Pliihidelphia; Galpin ?:. Hard, 3 id. 394; 
 Gist V. Lybrand, 3 Ohio, 307 ; Widgery v. Munroe, 6 Mass. 449 ; Bmrdsleij, J., Tay- 
 lor V. Snyder, 3 Denio, 145. See the cases cited supra, p. 449, note /'. 
 
 (j) In Wheeler v. Field, 6 Met 290, W/lde, J. said: " The second ground of ex- 
 ception is, that the demand should have been made at the maker's last place of resi- 
 dence in the city of New York, unless it could be clearly proved that the plaintiff's had 
 made reasonable inquiries, unsuccessfully, to ascertain the same. And on tliis ground 
 we are of opinion that the exception is well sustained. The general rule is, that to 
 charge an indorser of a promissory note, a personal demand on the maker is to be 
 made ; or if he be not found where he ought to be found, and no place of payment is 
 specified, a demand at liis place of abode or place of liusiness is sufficient. If he re- 
 moves into a foreign countrj', or another State, a demand at his new place of residence 
 
 is not required The demiuid should have been made at the maker's last place of 
 
 residence in New York, and the plaintiff's were bound to make diligent inquiries to ascer- 
 tain it. This we consider indispensable ; and as the jury were not so instructed, but, on 
 the contrary, were instructed that no demand, under the circumstances stated, was ne- 
 cessary, the defendant is entitled to a new trial, notwithstanding the finding of the jury 
 that the notary had used due diligence in this respect." In Galpin v. Hard, 3 McCord, 
 394, the maker had removed, and it did not appear where he had gone. Johnson, J. said : 
 '• I take it, it is a settled riMC, that when the maker of a promissory note has removed from 
 the place where the note t-cpresents him to reside, and, for the same reason, wliere he did 
 reside at the time the note v/as made, the holder is bound to use every reasonable en- 
 deavor to find out where he has removed, and if he succeed, present it for payment." 
 But in Gist v. Lybrand, 3 Ohio, 307, the court say : " Whether a demand should be 
 made at any other place is not made a point, or adjudicated upon, in that case (M'Gru- 
 der ». Bank of Washington, 9 Wheat. 598). But it seems to us a clear consequence 
 of the decision, that such demand is unnecessary. The fact of removal commits the 
 indorser, and dispenses with all demand, unless a particular place be appointed for the 
 payment of the note in the note itself" It is not clear from the case itself but that the 
 maker had absconded If so, a diff'erent rule miglit apply. The declaration averred 
 that diligent search had been made for the maker, but he could not be found ; also, 
 that he had secretly absconded. So, in Reid v. Morrison, 2 Watts & S 201, Seiyeant, 
 T. said • " It was therefore impossible to make a presentment to the maker in Ireland, 
 arid it woukt seem the holder was not bound to search for him in a foreign country ; but 
 his removal dispensed with any further effort, and made the indorser, iji.'io facto, liable
 
 452 NOTES AND BILLS. [CH. XI. 
 
 that ih'i holder should endeavor to find this last place of business 
 or of abode, and present the note there. Our reason for this is, 
 that it is no unfair or unreasonable presumption that the maker 
 left, at his place of business within the State, means and arrange- 
 ments for attending to the business which he began there and 
 left unfinished there. The different States of this country are 
 considered as foreign to each other in this respect. (A;) 
 
 An opinion seems to have been intimated that the contiguity 
 of the old and new places of residence would have some effect 
 on the question of excuse, as relating to this point ; thus, if the 
 maker acquires a new domicil in a town adjoining liis former 
 place of residence, but in a different State, that the rule respect- 
 ing due diligence would require a demand at the latter place. (/) 
 But this view cannot be sustained, we think, without producing 
 confusion and obscurity in the law, where precision and certainty 
 are of more importance than abstract justice. (m) When the 
 
 without it." In tliis case the maker had absconded. In Gillespie v. Hannahan, 4 Me- 
 Cord, .503, diligent inquiry was made for the maker, and it was ascertained that he had 
 no place of residence in the city in which he made the note. The judge, at Nisi Prius, 
 held this to he insufficient ; but his ruling was reversed. The point now under consid- 
 eration does not seem to have been dwelt upon. In Dcnnie v. Walker, 7 N. 11. 199, 
 the rule is stated by Upham, J., as follows : " A removal without the bounds of the 
 government, after the making of a note and before it becomes due, and where no place 
 of payment of the note is specified, renders a demand uj)on the maker unnecessary ; but 
 this is an exception to the general rule, and must be construed strictly. Anything less 
 than an actual change of residence, by removal without the State, would leave the rule 
 too uncertain. In case of mere absence from one's place of residence, it is immaterial 
 whether it is for a longer or a shorter period. If the maker has a known domicil ot 
 place of business within the State, a demand of payment at such place is essential in 
 order to charge the indorser." 
 
 (k) Gillesjiie p. Hannahan, 4 McCord, 503. Sec the cases cited supra, j). 451, note j 
 
 (/) Wilde, J., Wliecler v. Field, 6 Met. 290. 
 
 (m) In Gillespie v Hannahan, 4 MeCord, 503, Johnson, J. said, in substance : In the 
 case of Widgery v. Munroe, 6 Mass. 449, the court say, that if, on the day when the note 
 became due, the maker t)eing then out of the country, the plaintiff was excused from 
 demanding i)ayinent of him, and it might seem unreasonable that, when he had only 
 removed across an imaginary line separating two countries, tluit it should be disjiensed 
 with. But it is equally unreasonable that the holder should be compelled to follow 
 him to St. Petersl)urg. 'I'lie necessity of a certain rule leaves no alternative but the 
 adoption of one or the other of these extremes. There can be no comjjromise between 
 them that will not work injustice. So in M'Grudcr v. Baid< of Washington, 9 Wheat. 
 598, where the new [ilacc of rcHidencc was hut niiu; miles fioin the old one ; and 
 yet it was iield that the holder was not obliged to present the note at the latter 
 place, ./o/nisoti, J. said : " We think that rea'<on and conv»!nience are in favor of 
 8U.ilaining the doctrine that such a removal is an excuse from an actunl demand. 
 I*re<'i.sion and certainly are ofien <jl' more imiioriance ici the rules of law ilian tl'«ir
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYiMENT. 458 
 
 removal is simply to another place within the same jurisdiction, 
 due diligence must be used to find the maker at the place lo 
 which he has removed. (w) 
 
 We have already alluded to the circumstance of the note being 
 dated at a particular place, and the presumption to be drawn 
 therefrom. We should add, that neither this fact nor any other 
 excuses the want of due diligence ; it only raises the question, 
 What is in that case due diligence ? And we incline to think the 
 answer should be, that this date does not excuse a holder from 
 demanding payment of the maker elsewhere, if within the State, 
 and the holder knows, or ought to know, where he is ; but tliat 
 a holder is not bound to make more inquiry than within that 
 town, unless there be something which tells him that by going 
 elsewliere within the State he will find him. 
 
 Where the maker, at the time of signing the note, lives in 
 another State from the one in which the note is dated and deliv- 
 ered, and in which the holder lives, a different question is pre- 
 sented. Where the party who receives a note under such cir- 
 cumstances knows, when he takes it, where the maker lives, and 
 
 abstract justice. On this point there is no other rule, that can be laid down, which will 
 not leave too much latitude as to place and distance. Besides which, it is consistent 
 with analogy to other cases, that the indorser sh.ould stand committed, in this respect, 
 by the conduct of the maker. For his absconding, or removal out of the kingdom, 
 the indorser is held in England to stand committed ; and although from the contiguity 
 and, in some instances, reduced size of the States, and their union under the general gov- 
 ernment, the analogy is not perfect, yet it is obvious that a removal from the sealtoard 
 to the frontier States, or vice versa, would be attended with all the hardships to a holder, 
 especially one of the same State with tiie maker, that could result from crossing the 
 British Channel." 
 
 (n) Anderson p. Drake, 14 Johns. 114, where the maker had removed from New 
 York to Kingston, both places being in the State of New York, Thompson, C. J. said : 
 " I am inclined to think that where a note is not made payable at any particular place, 
 and the maker has a known and permanent residence within the State, the holder is 
 bound to make a demand at such residence, in order to charge the indorser. Whoever 
 takes such note is presumed to have made inquiry for the residence of the maker, in 
 order to know where to demand payment, and to assume upon himself all the incon- 
 venience of making such demand, and the risk of the maker's removing to any other 
 
 >lace before the note falls due. As the demurrer, therefore, in this case admits the per- 
 manent residence of the maker to have been at Kingston when the note fell due, and 
 that known to the plaintiff, he was bound to demand payment of the note at that 
 ;)lace ; and not having done so, the indorser is discharged." La. Ins. Co. r. Sham- 
 burgh, 14 Mart. La. .511, where the maker had removed from New Orleans to Plaque- 
 mine ; Bellievre v. Bird, 16 id. 186. See Gillespie v. Hannahan, 4 McCord, ."JOS; 
 
 Wilde, J., Wheeler v. Field, 6 Met. 290 ; Sergeant, J., Reid v. Morrison, 2 Watts & 
 S 401.
 
 464 NOTES AND BILLS. [CH. XL 
 
 has s.ufl!;cient time before the maturity of the note within which 
 to cause a proper demand to be made upon the maker, it 
 would seem to follow tliat he should be considered as taking 
 the risk of a proper presentment in the State where the prom- 
 isor resides. We think also that it follows from the general prin- 
 ciples relating to the contract of indorsement, that due diligence 
 would require a demand at the place in which the maker lives. (o) 
 
 (o) Taylor v. Snyder, 3 Denio, 145. The facts of the case were, that the promisor, 
 a resident of Florida, made and dated the note in Troy, N. Y. The liolder knew this 
 fact as early as a month or two before the note matured. The indorser also knew it at 
 the lime of indorsement, but no stress is laid upon this circumstance. The demand 
 was made on the indorser at Troy, and it was held insufficient. Beardsley, J., in a very 
 able and elaborate decision, after stating that the fact that the note was dated at Troy 
 did not make it payable there; and reviewing the cases and law on the subject of 
 excuse, saying that the excuses were exceptions to the general rule, which must bo 
 construed strictly, continued : " We are, then, to inquire whether these exceptions are 
 to be multiplied, and extended to a case where no change in the condition of either 
 party has taken place, where the maker, when the note was made and indorsed, had a 
 known residence in another State, and which had remained unchanged at the maturity 
 of the note. It is palpable that this exception, if made, must be placed on some new 
 principle ; it cannot be allowed on the ground which upholds the others. The facts iu 
 this case are unchanged, and as the reason for making an exception does not exist, 
 the exception itself should not be allowed. Unless, therefore, the general position is 
 true, that one who indorses for a maker who lives in another State may be held liable 
 without any demand being made on the maker, I think the defendant was not liable in 
 the case at bar. And if any such general rule of law as I have stated exists, it cer 
 tainly may be shown ; but that it has no existence is, as I believe, not only according tc 
 the universal understanding amongst commercial men, but also according to the settled 
 course of business in the commercial world. The indorsement of a note is an order to 
 the maker to pay the amount to the indorsee or holder, as is specified and agreed in 
 the note, and an engagement by the indorser, that if the note is duly demanded of the 
 maker, and not paid, or if it shall be found impracticable to make a demand, the in- 
 dorser will himself, on receiving due notice, pay the amount to the indorsee or holder. 
 Now, where such an order is drawn ui)on a maker who resides in another State, and 
 which is well known to the person in wliose favor the order is drawn, ujjon what prin- 
 ciple can it i)e said that a demand of tlic maker is unnecessary ? The indorsee vol- 
 untarily consents to take such an order, and why sliouhl he not perform the condition 
 on which the ultimate liability of the indorser dci)eiids ? I confess I see no reason 
 why he should not. Here is no mistake, or misapj)reliension of fact, at the time the 
 indorsement if} made. The indorsee knows where the maker resides, and that it is in 
 another- State. He knows that, by law, unless the intervention of a State line makes a 
 difVerenc.e, the maker must be sought where he resides, and the demand must be made 
 there. When the time for payment arrives, the maker is still at his former residence ; 
 the facts of the ca.sc are jirecLsely as they were when the order was drawn Why, in 
 Hiich caHC, should the State line make a did'erence in the construction and icgal tsfFect 
 of this contract of the indorser ? It was fairly entered into between the parties ; let \\ 
 then he fairly observed and |)erfornied by them. I can well understand why such an 
 ruder made by an imlorser upon the maker of a note, ihennsiditKj within litis State, hut
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT. 45t 
 
 But it will be seen from the authorities cited in the note, that 
 this view is not universally adopted. (/?) 
 
 The same doctrine has been held where the promisor lived in 
 
 who removes into another State before the note falls due, should receive a different 
 construction, and that it would be unreasonable to requu'e the holder to follow the 
 maker to his new residence, in order to demand payment. Here a new and unlooked- 
 for event has occurred, which, like the absconding of a maker, or an inability to dis- 
 cover his residence, may very reasonably be held to excuse a demand. In these 
 respects, the indorser should be held to stand committed by the act of the maker. But 
 where the facts in reference to which the parties contracted were fully known to them, 
 and are in no respect changed, I am unable to discover any principle which will excuse 
 the maker from making a demand, or using proper diligence to make a demand, as in 
 ordinary cases. The intervention of a State line has, in my opinion, no possible bearing 
 on the question." Bank of Orleans v. Wiiittemore, Superior Ct. Mass., 20 Law Rep. 
 3.33, where the note was made and dated at Boston, and the maker resided in Newbern, 
 N. C. This case was affirmed in the Supreme Court, 12 Gray, Burrows i'. Han 
 
 negan, 1 McLean, 309 In this case, the maker lived in Newport, Indiana, and the uoto 
 was made and dated at Cincinnati. A demand at tlie latter place was held insufficient 
 It will be observed that nothing is here said about the knowledge of the maker's residence 
 by the holder. In Smith v. Philbrick, 12 Gray, the maker, two years before the note, 
 
 which was payable at three months, was made, removed from Boston, where he had 
 lived and transacted business, to Port Lavacca, Texas, where he resided and conducted 
 his business when the note matured. The note was made and dated at Boston, between 
 which place and Port Lavaeca the mail passed in twelve days. The notary certified 
 that he went with the note to the maker's place of business in Boston, and finding no 
 one there to pay the note, protested the same. Held, that a personal demand at Port 
 Lavacca was not necessary, unless the holder proved affirmatively that the holder of 
 the note, at the time it became due, knew of the maker's residence ; that all that was 
 required was the exercise of due diligence to make a demand in Boston, and that such 
 had been used in this case. Sed qucere. See infra, p. 4.59, note c. 
 
 (jo) In Story on Prom. Notes, § 236, it is said : " It seems also that, if the makei 
 of a promissory note resides and has his domicil in one State, and actually dates, 
 and makes, and delivers a promissory note in another State, it will be sufficient for the 
 holder to demand payment thereof at tiie place where it is dated, if the maker cannot 
 personally, upon reasonable inquiries, be found within the State, and has no known 
 place of business there." The authority which the learned author cites is Hepburn v 
 Toledano, 10 Mart. La. 643. It is not clear from the case whetlier the maker lived in 
 a different State from the one in whicli the holder resided, or removed after making the 
 note. Nor does it appear that the indorsee knew where the maker lived. Porter, J. 
 said : " The statement of facts shows that the note was dated in New Orleans, but not 
 made payable there, and that the drawer resided in Kentucky at the time of the pro- 
 test, and does so now. The only question wliich this case presents is, whether tlie 
 holder of the note was obliged to go out of the State to demand payment. There 
 is some difficulty as to the place where demand is to be made, when the maker of 
 a note or acceptor of a bill has been a resident of the State, and before the time of 
 payment has changed his domicil ; but if he lives in another country, the indorsees 
 cannot be presumed to know his residence, and all that the law requires of the holder 
 !s due diligence at that place where the note is drawn." It will he seen that the learned 
 judge cites^ as an authority, the case of Anderson v. Drake, 14 Johns. 114, supra, p.
 
 ibO NOTES AND BILLS. [CH. XL 
 
 a diflfereiit country from that in which the holder resided at the 
 time the note was indorsed to hini.(g) 
 
 It seems now to be well settled that mere distance is no excuse 
 for non-presentment, (/•) although there are opinions to be found 
 in some of the earlier reports to the effect that the holder may 
 wait, on the day the note falls due, for the maker to come and 
 pay ; and if the note is dishonored, that a reasonable time will 
 be given within which to cause a proper demand to be made.(A') 
 
 But distance may have some effect in anotlier point of view. 
 Thus, where an indorser transfers a note to the holder so soon 
 before maturity that the former must know the impossibility of 
 the demand being made at the very day the note falls due, we 
 think that this indorser, with reference to his immediate indorsee, 
 would be considered as having waived his strict right to require 
 a demand at maturity. (^) But this cannot apply to the prior 
 
 453, note n, which is a case of removal to anotlier country. In M'Grudcr v. Bank of 
 Washington, 9 Wheat. 598, Johnson, J. said : " In case of original residence in a State 
 different from that of tlie indorser at the time of taking the paper, there can be no 
 doubt." He then goes on to state, that the question of removal to another State 
 prior to maturity is a diiScult one, and to decide that a demand at the latter place 
 is unnecessary. It is not easy to see which view the judge adopted. 
 
 (7) Spies V. Gilmore, 1 Comst. 321, 1 Barb. 158, where this is considered as a legiti- 
 mate conclusion from the doctrine laid down in Taylor v. Snyder, 3 Denio, 145, supra, 
 p. 454, note 0, Gardiner, J. dissenting, on the ground that " Expediency and public con- 
 venience require that the necessity of a personal demand should be confined to cases 
 where the maker resides within the States or Territories of the Union. It is difhcult to 
 prescribe any other rule which will not leave too much latitude as to place and dis- 
 tance, and of course be fluctuating where it should be certain. Instances -will readily 
 occur to every one in which making a demand in a foreign country would be attended 
 with little inconvenience, and others in which it would be impracticable. Between 
 these e.\tremes there is a wide interval which would be opened to litigation, which sound 
 policy requires to be closed." 
 
 (r) Johnson, J., M'Grudcr v. Bank of Washington, 9 Wheat. 598, COl , note ; Bank of 
 Orleans v. Whittemore, siijiru, p. 455, note o. See also the cases cited siipni, pp. 450 - 455. 
 
 (s) Haddock v. Murray, 1 N. II 140. See Freeman v. Boynton, 7 Mass. 483 ; Par- 
 ker, C. J., Barker v. Parker, 6 Pick. 80. 
 
 (t) Abbott, J., Bank of Orleans v. Whittemore, 20 Law Rep. 333 ; Story on Prom. 
 Notes, tj 265. But in Chitty on Bills, 10th Lond. ed., p. 266, it is said : " The circum- 
 Htunce of the bolder having received a bill very near the time of its becoming due, is no 
 excuse for neglect to present it fcjr payment at nuiturity ; for he might renounce it if he 
 did not choose to undertake that duty, and send the bill back to the party from whom 
 lie received it; but if he k(!ep it, hi; is bound to use reasonable diligence in presenting 
 it." We think that this should be (pialKied according to the statement in the text. It 
 will be observed, that in the cas(! put the indorser himself has lost his remedy against 
 any prior indorser, unless under similar circumstances ; and the eflect of Mie indorse- 
 ment would probably be the same as if the note were indorsed after maturity
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT. 457 
 
 iudorsers, who transferred the note long enough before it fell duo 
 to have a proper presentment made.(M) Tlie same question would 
 occur where a joint note is indorsed, the indorser knowing that 
 the makers lived so far apart that a demand on both could not be 
 made on the same day. Here also we think that if the holder 
 presents the note to one when it falls due, and to tlie others as 
 soon as he reasonably can, he has done all that duo diligence can 
 require, and would not lose his claim on the indorser. (v) 
 
 What will constitute due diligence to find the maker cannot 
 be prescribed by any fixed rule to which all circumstances must 
 bend, as each case depends necessarily, in a great degree, upon 
 its own peculiar facts. It has been held, that if the holder goes 
 with a bill within reasonable hours to the house to which it is di- 
 rected, and finds the door closed, he is entitled to protest it with- 
 out any further inquiries for the drawer or acceptor ; (w) and 
 the same seems to have been held with reference to the maker of 
 a note in which no place of payment is specified. (.r) But we think 
 that some inquiry shoidd still be made for the payor ; or at least 
 that this is the safer as well as the better way.(2/) 
 
 (u) Story on Prom. Notes, § 265. 
 
 (v) Ah!x)t, J., Bank of Orleans v. Whittemore, 20 Law Rep. 333. 
 
 {w) Hine v. Allely, 4 B. & Ad. 624. But in this case, as reported 1 Nev. & M. 433, 
 it would seem that some inquiry was made for the acceptor. See Bu.Kton v. Jones, 1 
 Man. & G. 83, 1 Scott, N. R. 19. In Ogden v. Cowley, 2 Johns. 274, some inquiry 
 was made. 
 
 (x) Shed V. Brett, 1 Pick. 413. In this case the notary testified that he made dili- 
 gent search for the promisors, hut could not find either of them. Parker, C. J. said : 
 " And the question is, whether goinj^ to their place of business, finding it shut, no per- 
 son being left there to answer any inquiries, is due diligence We put out of the case 
 the declaration of the witness, that he made diligent inquiry, because it does not appear 
 where or of whom he inquired ; and as the promisors both lived in Boston, if inquiry 
 was necessary, it would hardly seem that enough was made. It seems, however, by 
 Ihe authorities, that what was done was sufiicient, provided the witness went to the 
 place of business of the makers, in business hours, which is not stated in his testimony. 
 And if, upon further application to the notary, he is not able to state this fact, a new 
 trial may be had, or the plaintiff ought to become nonsuit. But supposing this to be 
 with the plaintiff, he is entitled to recover." If the holder had done all that due dili- 
 gence required, then the fact that the makers had removed would seem to be immate- 
 rial. But the law is, that where the maker has removed to another place in the same 
 State, a demand at the last place, or inquiries to find it, are indispensable. It is diffi- 
 cult to reconcile this case with the general rules of law concerning demand, and we 
 ioubt the decision. 
 
 (y) In Collins v. Butler, 2 Stra. 1087, one of the questions was, whether the plain- 
 tiff had shown suffi'ient by proving that the maker shut up the house and went away 
 
 VOL. I. 39
 
 458 NOTES AND BILLS. [CH. XL 
 
 The case may, perhaps, be different where a note or bill is pay- 
 able at a particular place, and the party sought to be charged has 
 a right to require a demand at the place, (2) because a demand 
 anywhijre else would be unavailing, and one at a place with 
 closed doors might be considered as only a useless ceremony. 
 
 It has been sometimes said, that using due diligence to find the 
 maker at the place where a note is dated will satisfy the require- 
 ments of the law upon the subject of demand ; (a) but if this 
 were a universal rule, it would, in effect, make a note payable at 
 a city or town merely because dated there, which is contrary to 
 the weight of authority, (/^) and we prefer the view we have al- 
 ready given. 
 
 a month before the note matured. " And in this particular case Lee, C. J- held that 
 the plaintitt' had not gone far enough, but ought to show that he had inquired after the 
 drawer, or attempted to find him out." If the mere fact that the house is shut up is 
 sufficient, there would seem to be no necessity for the holder to go there at all; and 
 unless this is necessary, the case just cited is in conflict with Shed v Bi-ett, I Pick. 401, 
 supra, p. 457, note x. In Ellis v. Commercial Bank, 7 How. Miss. 294, .303, Clayton, J. 
 said : " In nearly all the cases which we have been able to find on this point, after a 
 very diligent search, the evidence shows that inquiry was made in the neighborhood 
 for the maker, or acceptor, when he was not found at his dwelling or place of business, 
 and thus an excuse for want of personal demand is furnished." The court, however, 
 refrained fiom deciding the point, because it was not necessary to the case. 
 
 (z) In Howe r, Bowes, 16 East, 112, the declaration averred that the defendant, a 
 maker of a note payable at the Workington Bank, became insolvent, and wholly de- 
 clined and refu-.ed to pay at that place. The evidence was, that the Workington Bank 
 was closed, and no payment had been made there for some time before the suit. Tho 
 plaintiff obtained a verdict, and the court refused to grant a new trial. Lord Ellenbor- 
 ough, C. J. said : " As it is not disputed that the banking-house was shut up, and that 
 any demand of payment which could have been made there would have been wholly 
 inaudible, that is substantially a refusal to pay their notes to all the world." This 
 judgment was reversed in the E.Kchequer Chamber, 5 Taunt. 30, on the ground that 
 the allegation itself was insufficient. 
 
 (a) Bui/, J., Moodie v. Morrall, 3 Const. R. 367, said : " Cliarlcston, being the 
 place wlierc tlie note was drawn and iiulorsed, shall be presumed to be the residence 
 of both for every mercantile purpose, and the use of due diligence to find out either of 
 tiieni there will answer the demands of tlie law upon this subject. It would be a mon- 
 Btrous inconvenience and cmbarrassnient to commerce, if the holder of a bill or note 
 was obliged to travel all over the world to find out the maker or indorser, in order to 
 give him notice of the non-payment. I take it, therefore, to be a well-established rule 
 of mercantile law at this day, that the use of due diligence, in the place or city where 
 the bill is drawn, to find out cither maker or indoiscr, is all that is requisite." In the 
 case itself, however, a demand was made at the house of the maker, on his wife, who 
 informi'd tho notary that tin; former was out of lowii ; and this was held sufficient. 
 Sec Hepburn v. Toledano, 10 Mart. La. (U.'i. 
 
 (/;) fiii/im, p. 441, note x. See. also the remarks of Johnson, J., cited su}ira, p. 4.'il, 
 note j ; of Thompson, C. J., J) 453, note n.
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT. 459 
 
 It may be said that a person who takes a note is under soma 
 obligation, at the time he receives it, to know or to inquire 
 where the maker lives ; and if so, and he neglects to do this, 
 refraining from all inquiry, he should suffer the consequences of 
 not being able to make a regular demand. It must certainly be 
 true that the holder cannot alter the terms or the essential prin- 
 ciples of the contract of indorsement, and they would require of 
 him at least as much as ordinary foresight and prudence would 
 seem to require. (c) It has been held that due diligence makes 
 necessary an inquiry of the indorsers or other parties to the note 
 for the place where the maker may be found, and because such 
 inquiry was not made, the indorsers were discharged. ((i) The 
 
 (c) We have already stated our opinion to be, that wliere the holder knows when he 
 takes the note that the maker lives in another jurisdiction, and there is sufficient time 
 before maturity to make a demand on tlie maker, such a demand is necessary. The 
 same rule should apply, we think, even if there be no knowledge of such residence, 
 provided there were sufficient time given to make the inquiries, and afterwards a de- 
 mand. For this reason we should doubt the authority of Smith v. Philbrick, supra, 
 p. 455, note o. 
 
 (d) In Porter v. Judson, 1 Gray, 175, the certificate recited that the notary went " to 
 various places, making diligent inquiry of divers persons for the promisor, but could not 
 find him, nor any one knowing him, nor any one with funds for the payment of the note." 
 When the note became due, the maker was living in the same city with the indorser ; but 
 prior to giving the note he had resided elsewhere. Shaw, C. J. said : " The presumption 
 is strong, not to say violent, that his home and place of business were known to the 
 
 indorsers, the last of whom indorsed the note to the plaintiffs, for value From 
 
 this statement, it appears that the notary knew the places of business of the indorsers, 
 but it does not appear that he inquired of them, and the probability is that he did not, 
 because if he had, the presumption is that he would have found the promisor." In 
 Wheeler v. Field, 6 Met. 290, the notary took the note to the office of the third in- 
 dorser, to inquire for the maker and the other indorsers, but was told that the third in 
 dorser was out, and also that a person living near by could give the desired information. 
 This person, on being asked, did not know where the parties lived. The notary then 
 protested the note. It was held that the third indorser was discharged. Wilde, J. said : 
 "It cannot be doubted, that, if inquiries had been made of the payee or the other in- 
 dorsers, the maker's place of residence miglit have been ascertained." In Duncan v. 
 M'Cullough, 4 S. & R. 480, it was held that an indorser was not obliged to tell the holder 
 where tlie maker was to be found. In Packard v. Lyon, 5 Duer, 82, a note had been 
 deposited in a bank for collection. The notary inquired of the bank where the maker 
 lived, and none of the officers could tell him. The directory was consulted, but the 
 name could not be found there. The notary then made a formal demand at the bank, 
 and on refusal to pay, protested the note. Held, that due diligence had not been used. 
 Slos.ion, J. said : " It may be exceedingly inconvenient, at times, to find the place of 
 residence of the maker of a note ; but that forms no excuse for the want of the knowl- 
 edge, if it can be obtained. It was gross carelessness in the holder to send the note to 
 the bank for collection, without a memorandum indorsed on it, or accompanying it, to
 
 41)0 NOTES AND BILLS. [CH. XL 
 
 reason given is, that, from the circumstances of the case itself, 
 there was a presumption that the indorser knew where the maker 
 was, and could give the requisite information ; where this rea- 
 son exists, there can be doubt of the rule ; but we are not pre- 
 pared to say that the law would always presume this reason and 
 necessity from the relation of the parties. 
 
 Want of presentment at maturity is excused by any inevitable 
 or unavoidable accident, not attributable to the fault of the 
 holder ; for this would bring it within the rule which excuses a 
 demand whenever it is morally or physically impossible. (tf) 
 
 Among the circumstances recognized by Mr. Justice Story as 
 constituting an excuse are the following : The prevalence of a 
 malignant disease which suspends the ordinary operations of busi- 
 ness, and which would make it dangerous to enter the infected 
 district. (/) The presence of political circumstances amounting 
 to a virtual interruption and obstruction of the ordinary nego- 
 tiations of trade. (^^•) The breaking out of war between the 
 country of the maker and that of the holder. (A) The occupa- 
 tion of the country where the parties live, or where the note is 
 
 show where the maker was to be found. This was a duty which he owed both to the 
 bank and its notary ; and he is without excuse in throwing upon the hitter officer the 
 trouble, annoyance, and possible risk of finding out a fact for his benefit with which 
 he is presumed to be iiiniself acquainted, and with which he ougiit to be acquainted 
 in fact." As to the necessity of consulting a directory, see Granite Bank v. Ayers, 
 16 Pick. 392. 
 
 (('.) Stairs, J., Windham Bank ('.Norton, 22 Conn. 213 ; Lord Ellenhoromjii, Patience 
 V. Townlcy, 2 J. P. Smith, 223 ; Samc/e, C. J., Schofield v. Bayard, 3 Wend. 488. 
 
 (/) Story on Prom. Notes, ^§ 257, 260. See infra, chapter on Notice. In 
 New York, by statute, R. S. 1852, Vol. II. p. 178, it is enacted, that, whenever the 
 board of health of the city of New York, or any other competent authority, shall, by 
 public notice, designate any portion of that city as the seat of an infectious and con- 
 tagious disease, and declare communication with such district dangerous, it shall be 
 the duty of the clerk of the city and county to provide a book in which the names, 
 firms, and places of business of any inhabitant of tlie city shall be registered, if the 
 parties desire it. The parties arc required to designate a place, in the registry, outside 
 tiie infected district, but within the county of New York, for the purpose of having a 
 demand of notes, drafts, or bills made, and to which notice may be sent. Any demand 
 made at, or notice sent to, sucli place is declared valid. In case of neglect to make the 
 registry, the holder may present the note, bill, or draft to the city clerk, and on dis- 
 lionor, deposit a notice; in the post-ollice directed to the ]iroj)er j)anies, if tliey live 
 williiii the infected district. 
 
 {(/) Story on Prom. Notes, Ijl) 2.'>7, 261. Patience v. Townlcy, 2 J. P. Sniitli, 223 ; 
 Kufh V. Weston, 3 Ksp. 54. Sec Ilojikirk v. Page, 2 Brock. 20. 
 
 (//J Story on Prom. Notes, ^ 2'u, •-'62.
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT. 461 
 
 payable, by a public enemy, which suspends commercial inter- 
 course. (i) Public and positive interdictions and prohibitions of 
 the State which obstruct or suspend commerce and intercourse. (7) 
 But it is also said that a violent storm will not excuse non-pre- 
 sentment at maturity, though a violent tempest which has so 
 broken up the roads or obstructed them as to prevent passing 
 might have this effect. (/fc) We should prefer to say, as to all these 
 excuses, that no one of them necessarily and always, by an ab- 
 solute presumption of the law, is sufficient (unless, perhaps, the 
 case of war be excepted), but only raises a prima facie presump- 
 tion, more or less strong according to circumstances, and consti 
 tuting an excuse, not in law, but in fact, if it comes within the 
 meaning and scope of the rule of impossibility. Ordinarily any 
 failure to present a note at the proper time, by reason of the 
 negligence of an agent, would discliarge an indorser,(/) but where 
 the holder makes use of the public mail for the purpose of trans- 
 mitting the note to the proper place in season to have a legal de- 
 mand made, and without any negligence on his part, we should 
 say that he would not lose his remedy on an indorser,(m) if 
 
 (i) Story on Prom. Notes, §§ 257, 263. 
 
 (_/) Story on Prom. Notes, §§ 257, 263. 
 
 (k) Barker v. Parker, 6 Pick. 80. 
 
 (I) Stoirs, J., Windham Bank v. Norton, 22 Conn. 213, 219. 
 
 (m) Windham Bank v. Norton, 22 Conn. 213. Slorrs, J. said: "No fanlt or im- 
 propriety is imputable to the phiintiffs, by reason of their having selected the public 
 mail as the mode of forwarding the draft in question to the bank in Philadelphia, 
 where it was payable. It is properly conceded by the defendants, that such mode 
 of transmission was in accordance with the general commercial usage and law, in 
 the case of paper of this description. Indeed, it is recommended in the books as 
 the most proper mode of transmission, as being the least hazardous, and therefore 
 preferable to a special or private conveyance. But although the public mail was a 
 legal and proper mode by which to forward this paper, it was their duty to nse it 
 in such a manner that they should not be chargeable with negligence or unreason- 
 able delay. If, therefore, they put the draft into the post-office at so late a period 
 that, by the ordinary course of the mail, it could not, or there was reasonable ground 
 to believe that it would not, reach the place of its destination in season for its pre- 
 sentment, when due, we have no doubt that there would be, on their part, a want of 
 reasonable diligence, which v/ould exonerate the indorscr. On the other hand, to 
 throw the risk of every possible accident, in that mode of forwarding the drafr, upon 
 the holder, where there has been no such delay, would clearly be most inconvenient, 
 unreasonable, and unjust, as well as contrary to the expectation and understanding 
 of the indorser, who is presumed to be aware of the general usage and law, in re- 
 gard to the transmission by mail of this kind of paper, and must therefore be sup- 
 posed to require only reasonable diligence in this respect on the part of the holder: 
 and would indeed be inconsistent with the rule itself, which sanctions its transmission 
 3!)*
 
 462 NOTES AND BILLS. [CH. XL 
 
 through any accident or disorder, or the neghgence or mis- 
 take of the post-office clerks, the note does not reach the des- 
 tined place in season to make the demand on the very day 
 
 in that manner. It has been suggested that the principle should be adopted, that when 
 the holder resorts to the public mail, he should be required to forward the jjresent- 
 ment at so early a period that if, by any accident, it should not reach the place of 
 its presentment in the regular course of the mail, there should be time to recall it, 
 and have it presented when and where it falls due ; or that, at least, it should be for- 
 warded in season to ascertain whether it reached there by that time, and to make such 
 a demand or presentment for payment as is required in the case of lost bills. We 
 find no authority whatever for any such rule, nor would it in our opinion comport 
 with the principle, now well established, requiring only reasonable diligence on the 
 part of the holder, or with the policy which prevails in regard to such commercial in- 
 struments. It would, in the first place, be the means of restraining the transfer of 
 sucli paper within such a limited time as to impair, if not to destroy, its usefulness and 
 value, arising out of its negotiable quality; and, in the next place, it would in many 
 cases be wholly impracticable. The casualties incident to this mode of transmission 
 are most various in their character, and cannot of course be foreseen ; and they might, 
 in the case of forwarding mercantile paper, be such as to render it impossible to ascer- 
 tain its miscarriage, or to recall it in season to remedy the difficulty. In the case of 
 the draft now before us, for example, if it had been placed by the plaintiffs in the post- 
 office at Windham, where they were located and transacted their business, for trans- 
 mission direct from thence to Philadelphia on the very day when they became the 
 holders of it, which was between three and four months before it became due, and by 
 an accident or mistake of the postmaster in the former place, similar to that which 
 occurred in this case at New York, it had been mailed to one of the most distant parts 
 of our country, or to a foreign country, which would not have been more singular than 
 that it should have been mistakenly mailed, as in the present case, for Washington, it 
 might not have been practicable for the plaintiffs to learn the accident or obviate its effect 
 before the jjaper fell due. In short, such a rule as that suggested would be merely 
 artificial in its character, productive of great inconvenience and injustice in particular 
 cases, without any corresponding general benefits, and change the whole course of busi- 
 ness in regard to a most extensive and important class of mercantile transactions. 
 Nor has any other arl)itrary or positive rule been suggested which is not equally ob- 
 noxious to the same or similar objections. The only rettiaining inquiry is, whether tho 
 plaintiffs an; chargeable with ncyligence for not forwarding the draft in question by an 
 earlier mail from New York to Philadel[)hia. It was sent by the usual legal and proper 
 mode. It was deposircd in the ])ost-office in season to reach the place Avherc it was 
 payable before it fell due, by the regular course of the next mail ; and there was no rea- 
 son to believe that it would not be there duly delivered. It was actually sent by that 
 mail, and, i)Ut for the mistake of the postmaster where it was mailed in misdirecting 
 the |)acknge containing it, would have reached its proper destination, and been received 
 there in season for its presentment when due. It in fact icached that jjlace when it 
 should have done, but was carried beyond it in consequence of that mistake. As that 
 mistake could not be foreseen or apprehended by the plaintiffs, it is not reasonable to 
 recpiire them to take any steps to guani against it. Indeed, they could not have done 
 so, as they had no control or supervision ovc-r the postmaster. They had a right to 
 presume that the hittir hud done his duty. They could not know that he had misdi- 
 rected ttie package, uiiiil it was too hue to remedy the con.scqucnccs. The occurrence 
 of the draft being sent beyond iiH place of dcstiiuition was, therefore, so far as the
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT. 463 
 
 of maturity. But all the authorities do not seem to adopt this 
 
 vie\v.(«) 
 
 4. Of the Acts of a Party ivhich affect his Rig-ht to require 
 Demand of Payment. 
 
 The second class of excuses, which we will now consider, arise 
 from the acts, words, or position of a party, by means of which 
 he is not entitled to the demand, of the want of whicli he would 
 avail himself. If the drawer of a bill had no etfects in the hands 
 of the drawee, and had no legitimate expectations, grounded 
 upon some definite arrangement, that the bill would be paid, we 
 have seen that he has no right to require a demand of it.(o) 
 
 plaintiffs were concerned, an unavoidable accident. It happened, not in consequence 
 of any delay of the plaintiffs in putting the draft into the post-oftice at so late a period 
 that it could not, or probably would not, reach its destination in due season, but merely 
 in consequence of the act of the official to whom it was properly confided, done after 
 it was properly in his charge by the plaintiffs for transmission. The accident, more- 
 over, was of a very peculiar and extraordinary character, and quite different from those 
 which are ordinarily incident to that mode of transmission, and against wliich it would 
 be extremely difficult, if not impossible, to guard. It would have been equally liable 
 to occur at any time, when the draft should have been placed in the post-office. It was 
 not owing in any sense to the fault of the plaintiffs, but solely to that of the postmas- 
 ter. Under these circumstances, we do not feel authorized to impute any blame or 
 negligence to the plaintiffs. We are therefore of opinion that judgment should be ren- 
 dered for the plaintiffs." 
 
 (h) In Schofield v. Bayard, 3 Wend. 488, the holder of a bill payable in London 
 sent it by mistake to Liverpool. His agent at the latter place immediately sent it back 
 to the holder; but by some oversight of the clerks in the post-office, it did not get to the 
 holder in time for him to forward it to London, although had it not been for the deten- 
 tion, there would have been sufficient time to have had a regular demand made. Savage, 
 C. J. said : " This case presents no impossibility, if due diligence had been used. The 
 plaintiffs should not have sent the bill to Liverpool at all. It is true that, after the let- 
 ter containing it had been left at Liverpool, it could not have reached London in season ; 
 but it was the fault of the plaintiffs to have parted with the bill in the manner they did. 
 Instead of sending it to Liverpool, they should have sent it to London, and then it would 
 have been in season, and probably would have been paid. I am of opinion that, by the 
 law merchant, payment should have been demanded in London on the 12th of Novem- 
 ber, and that not having been done, and there being no impossibility to prevent it but 
 what is attributable to the want of due diligence on the part of the holder, the defend- 
 ants are legally discharged, and are entitled to judgment." This case presents a some- 
 what different statement of facts from that in Windham Bank i>. Norton, '22 Conn. 213, 
 siipi-n, p. 461, note m, and may perhaps be reconciled with it, on the ground that the 
 failure to present was connected, in its inception, with a mistake of the plaintiffs them- 
 selves. 
 
 (o) Terry v. Parker, 6 A. & E. 502, 1 Nev. & P. 752. Lord Dmman, C. J. said : 
 " Many cases establish the fact that notice of dishonor need not be given to the drawer 
 In such a case ; and the reason assigned is, because he is in no respect prejudiced by
 
 464 NOTES AND BILLS. [CH. XL 
 
 But the parties subsequent to the drawer have still that right, 
 and are discharged by non-demand, although he is not.(p) 
 
 The reason why the drawer has no such right is twofold. In 
 the first place, he had no right to draw and put into circulation 
 such a bill ; and, secondly, he can have no action or claim against 
 the acceptor, for whom he is a surety, for not paying, because 
 the acceptor was under no obligation to pay, and can suffer no 
 injury wliich does not spring from his own fault. The test must 
 always be in such a case, not whether the drawer had funds in 
 the hands of the drawee, nor what particular arrangement he 
 had made, but whether, in case of non-acceptance or non-pay- 
 ment, he can maintain an action against the drawee. 
 
 As by far tlie greater number of cases on this subject and its 
 rules and their qualifications liave arisen with respect to excuse 
 for want of due notice, it has been thought best to postpone a 
 further discussion of the topic until we treat of Notice. We 
 shall also consider under that head the question as to what effect 
 the making or indorsing a note for the accommodation of any 
 party thereto has on the subject of excuse. 
 
 It is obvious that any one may waive his right to presentment 
 and demand. This is sometimes done expressly, by an indorser 
 writing over his name, " I waive demand," or otiier similar 
 words. (<7) There may be also a constructive waiver arising, by 
 implication, from the acts or words of any particular indorser. 
 This subject of waiver of demand is also so intimately connected 
 with waiver of notice, that we prefer to consider them both to- 
 gether in the chapter on Notice. (r) 
 
 If an indorser belongs to two firms, one of which has signed 
 and the other indorsed the paper, it has been held that a demand 
 is still necessary. (5) 
 
 want of such notice, liavinfij no remedy against any other party on the bill. This reason 
 equally applies to want of presentment for payment, since if the bill were presented, 
 and f)aiil by the drawee, the drawer would become indebted to him in the amount, in- 
 stead of bcin^j indebted to the bolder of the bill, and would be in no way benefited by 
 such presentment and payincTit." Dollfus r. Froseh, 1 Dciiio,.367 ; Commercial Bank 
 V. IIuKbes, 17 Wend. 94; Aborn v. Hosworth, I R. J. 401 ; Tarver v. Nance, 5 Ala. 
 712 ; Foard v. Womack, 2 id. 308. This subject will be further considered under No- 
 tice, iii/rii. 
 
 {p) Infill, <li:i|)tcr on Notice. 
 
 (7) Woodman v Thurston, 8 Cush. 157. 
 
 (r) Infill, chapter on Notice. 
 
 («) Dwi^jbt V. Scovil, 2 Conn. 654. Swift, C. J. said : " The circumstance thnt one
 
 CH. XI.] EXCUSES FOR ABSENCE OF DEMAND OF PAYMENT 4G5 
 
 With respect to the pleading in case of excuse, it will be seen 
 that an averment of presentment and demand of payment on a 
 promisor is supported by proof of circumstances amounting to an 
 excuse thereof. (^) 
 
 We are unwilling to close this topic of excuse for non- 
 presentment without remarking, that the rule requiring present- 
 ment is so stringent, and rests upon reasons which require so 
 I'igid an adherence to the rule, that it is not safe or prudent to 
 rely upon any of these excuses, except, perhaps, an express 
 waiver in writing on the paper itself. 
 
 A question might be raised in regard to the operation of a 
 waiver beyond the person who makes it. If a payee indorses a 
 note, and writes over his name, " I waive demand," he certainly 
 cannot complain if no demand is made. But are all subsequent 
 indorsers affected and bound by his waiver ? So, if there be 
 many indorsers, and the fourth indorser makes an express waiver 
 of demand, the three before him are certainly unaffected by this 
 waiver ; but are those who follow equally unaffected ? It might 
 be said, that whoever indorses after a written waiver is made 
 must be considered as assenting thereto, if he expresses no dis- 
 sent. But, in the absence of authoritative decisions, we should 
 say, on the general theory of waiver, that it cannot affect the 
 rights of any person other than the party who makes it. 
 
 It should also be said, that although the whole law of nego- 
 tiable paper rests upon the fact that such paper is intended to 
 be an instrument of mercantile business, and is adapted to this 
 purpose by this system of law, it is certain that the rules are the 
 same, and equally enforced, whether the parties affected by them 
 are merchants or not. 
 
 of the defendants was a member of both the companies who made and indorsed the 
 note can make no ditfcrence; for each company is to be considered as distinct persons, 
 with different funds and liabilities, and there is the same reason for presentment and 
 demand as if the companies were wholly different. If the companies should reside in 
 diff'erent and distant places, the drawing of bills on each other might be convenient in 
 the coarse of their business; but, on the principle contended for, the company drawing 
 the bill might be subjected to pay it, because one of the partners belonged to both 
 companies when the company on whom it was drawn was solvent, and would have 
 paid the bill if it had been presented." ^ 
 
 (<) Infra, chapter on Pleading. 
 
 Vol. I.— 2 E
 
 46il NOTES AND BILLS. [CH. XIL 
 
 CHAPTER XII. 
 
 OF NOTICE OF DISHONOR. 
 
 While the duties of presentment and of notice of dishonor are 
 distinct, they are so far similar that much that was said of pre- 
 sentment, as to the persons by wliom and to whom, the form and 
 manner, and excuses for the non-performance of the duty, are 
 appUcable to both topics, yet there are important differences be- 
 tween them ; and it seems better to treat of both topics inde- 
 pendently, even at the risk of some actual and more apparent 
 repetition. 
 
 We shall examine, first, the form of the notice ; secondly, the 
 manner in which it should be given ; thirdly, the place to which 
 it should be sent ; fourthly, to whom ; fifthly, by whom ; and 
 sixthly, when it should be given. Excuses for want of notice 
 will be considered in the next chapter. 
 
 SECTION I. 
 
 OF THE FORM OF THE NOTICE. 
 
 This is so far immaterial that neither tlie law nor mercan- 
 tile usage prescribes any exact form or phraseology to be used 
 invariably, or even generally. (w) But there are certain essential 
 requisites which the notice must contain ; and these must be 
 fully stated, accurately and intelligibly. In theory, a notice 
 should describe the bill or note in such a way that it could not 
 
 (m) Thompmn, J., Bank of Alexandria i\ Swann, 9 Pet. 33. In Hartley v. Case, 4 
 B. & C. 339, the rule is stated hy Lord Tenterden, C. J. as follows : " There is no pre- 
 cise form of words necessary to ho used in f^iviiip notice of the dishonor of a hill of 
 exchange, but the lun^;n|f;o used must be such ns to convey notice to the party what 
 the hill is, and that i)iiyrnent of it has been refused by the acceptor." So Fletcher, J., 
 HouMHtonic Bank v. Laflin, .5 Cush. 540; Kii^^oro v. Bulkiey, 14 Conn. 362 ; Uoedy 
 i;. Seixas, 2 Joiins. Cas. 337; Spunn v. Balizeli, 1 Fla. 301 ; Brewster v. Arnc<d, J 
 Wist 264.
 
 CH. Xn.] THE FORM OP THE NOTICE. 467 
 
 be mistaken ; should state the presentment, and the dishonor 
 of it ; should be dated ; should say that the party to whom the 
 notice is sent is looked to for payment ; should state where the 
 note is, that the party notified may find it ; and should state who 
 the holder is, and who gives the notice, or at whose request it is 
 given. (?/m) Such at least are the elements of a full, regular, and 
 perfectly safe notice. And formerly courts have looiscd upon all 
 of these as so far essential, that the entire failure of any one of 
 them would go far to vitiate the notice. 
 
 Perhaps this early strictness was excessive ; but it is at least 
 quite as certain that the laxity shown in some modern cases, in 
 which far too much regard is paid to the seeming equity of the 
 particular case, has tended to create much difficulty in determin- 
 ing what is now absolutely essential to the sufficiency of a notice. 
 In some case or other almost every one of the elements above enu- 
 merated has been disregarded ; and there seems to be a general 
 consent, especially of the American courts, that some of these 
 are quite unnecessary. In a brief but very excellent treatise on 
 Bills, (y) published in England, it is said : " All that is necessary 
 is to apprise the party liable of the dishonor of the bill in question, 
 and to intimate that he is expected to pay it." But the weight 
 of American authority is against the express requirement of the 
 statement of demand, and it would therefore follow that nothing 
 more is necessary than a statement that the bill or note is dis- 
 honored. But this seems to us to be going somewhat too far. 
 
 All the cases agree that the dishonor of the bill or note must be 
 clearly stated ; indeed, it is difficult to see that the notice could 
 be effectual for any pui-pose whatever, if this were omitted. (m') 
 The rule, as stated in some of the English cases, is, that it ought 
 to appear on the face of the instrument " in express terms, or by 
 necessary implication," that the bill or note was presented and 
 dishonored. (.x) But this method of laying down the rule has 
 
 (mm) Artisans' Bank v. Backus, 36 N. Y. 100. See Aniolil v. Kinlocli, 50 Barb. 44. 
 
 («) Byles on Bills, 213. In Chitty on Bills, 10th Lond. ed., 299, it is stated that 
 " there are two requisites which are indispensable to a good notice, namely, a descrip- 
 tion of the bill and an intimation of its being dishonored." 
 
 (m>) Solarte v. Palmer, 7 Bing. 530, 1 Ciomp. & J. 417, 1 Tyrw. 371. This case was 
 taken from the Exche([uer Chamber to the House of Lords, and confirmed there. 
 1 Bing. N. C. 194, 8 Bligh, N. S. 874, 2 Clark & F. 93; Gilbert v. Dennis, 3 Met. 495. 
 See Lockwood v. Crawford, 18 Conn. 361. 
 
 (x) Ti7uln?.^ C. J., Solarte v. Palmer, 7 Bing. 530, 1 Cromp. & ,J. 417, 1 Tyrw. 371. 
 The rule is so stated by Park, J. in this case, as decided by tlie House of Lords in
 
 468 NOTES AND BILLS. [CH. XIL 
 
 beea objected to as too stringent, and it has been said that " it is 
 enough if it appear by reasonable intendment, and would be 
 inferred by any man of business, that the bill has been presented 
 to the acceptor, and not paid by him."(7/) It is difficult to recon- 
 cile the cases in that country as to what form of words amounts 
 to a satisfactory information respecting tlie fact of dishonor, and 
 to deduce any general rules which may apply to all cases. It 
 seems to be well settled, however, that the mere statement of the 
 fact that a note or bill is unpaid is insufficient; (2) but if in ad- 
 dition some words which apply to the protest are used, such as 
 "noting,"(a) " charges,"(&) &c., the defect will be remedied. 
 With respect to the word "returned," there seems to have been 
 a conflict of opinion between the Court of Common Pleas and 
 those of the Exchequer and the Queen's Bench, the former hav- 
 ing been of opinion that it was not sufficient, (c) and the latter 
 that it was, because it was a technical expression well understood 
 as applying to negotiable paper which has been dishonored. (c?) 
 The word " dishonored " is sufficient. (e) It would seem that 
 less strictness is required in case of a verbal notice than where 
 it is written, or that a want of precision in the notice may be 
 cured by the answer. Thus, when the clerk of the holder, the 
 day after the maturity of the bill, told the drawer that the bill 
 
 I Bing. N. C. 194. It is so laid down by Tindal, C. J., in Boulton v. Welsh, 3 Bing. 
 N. C 688. 
 
 (y) Parke, B., Hedger v. Steavenson, 2 M. & W. 799. 
 
 (z) Boulton V. Welsh, 3 Bing. N. C. 688; Strange v. Price, 10 A & E. 12.5 ; Phil- 
 lips V. Gould, 8 Car. & P. 355 ; Furze v. Sharwood, 2 Q. B. 388 ; Bailey v. Porter, 
 14 M. & W. 44, seems inconsistent with the previous cases ; but it will be seen tliat the 
 bill was accepted payable at a specified place. It will be remarked, however, that no 
 Btress was laid upon this fact in the language of the Judges who delivered opinions 
 This rule was much relaxed in Paul v. Joel, 3 II. & N. 45.5, where the notice was, that 
 " A's acceptance to B, £500, due, &c., is unpaid. Payment to C & (^o. is requested 
 before 4 o'clock." Held sufficient. 
 
 [n] Hedger v. Steavenson, 2 M. & W. 799; Armstrong v. Christian!, 5 C. B. 687. 
 
 (li) Onigcon V Siuiih, 6 A. & E. 499 ; Everard v. Watson, 1 Ellis & B. 801. 
 
 (r) Honlton v. Welsh, 3 Bing. N C. 688. But the later cases in this court seem to 
 be receding from the ground first taken. See Tindal, C. J., Messenger v. Southcy, 1 
 Man. & (i. 76. 
 
 (d) IIcdgiT V. Sli'avenson, 2 M. & W. 799; Lewis v. Gompertz, 6 id. 399 ; Grugeon 
 V. Smith, 6 A. & K 419 ; Furze v. Sharwood, 2 Q. B. 388. See the remarks of Little- 
 dale and (,hleridi/e, J.J., in Strange v. Price, 10 A. & E. 125. 
 
 («•) Woodthorpc v. Lawes, 2 M. & VV. 109; Stockcn v. Collin, 7 id. 515 ; Row- 
 lands V. Springett, 14 id 7; King v. Bickley, 2 Q. B. 4'.?; Smith v. Boulton, I 
 Hurl. & W. 3.
 
 CH. XII.] THE FORM OF THE NOTICE. 469 
 
 had been duly presented, and that the acceptor could not pay it, 
 and the drawer replied that he would see the holder about it, 
 this was held to be sufficient evidence to warrant the jury in 
 finding that the fact of the dishonor of the note was sufficiently 
 communicated to the drawer. (/) Some of the later cases seem 
 to relax the very stringent rule as originally laid down, and the 
 first authoritative decisions have been sometimes regretted. But 
 the rules of law on this subject are still exact. (^) 
 
 (/) Metcalfe v. Richardson, 11 C. B. 101 1. See Paul v. Joel, 3 H. & N. 455. 
 
 {g) Parke, B., Allen v. Edinundson, 2 Exch. 719 ; Lord Campbell, C. J., Everard v. 
 Watson, 1 Ellis & B. 801. The following notices have been held insufficient, for not 
 stating the fact of dishonor. '' I am desired to apply to you for the payment of the sum 
 of £ 1 50, due to myself, on a draft drawn by Mr. Case on Mr. Case, which I hope you 
 will, on receipt, discharge, to prevent the necessity of law proceedings, which otherwise 
 will immediately take i)lace." Hartley v. Case, 4 B. & C. 339. " A bill drawn by Mr. 
 J. K. upon Messrs. J. & Co., and bearing your indorsement, has been put into our 
 hands by the assignees of Mr. J. R. A., with directions to take legal measures for the re- 
 covery thereof, unless immediately paid to yours," &c. Solarte v. Palmer, 7 Bing. 530, 
 siifjru, p. 467, note w. " The promissory note, &c. became due yesterday, and is returned 
 to me unpaid." Boulton v. Welsh, 3 Bing. N. C. 688. " Messrs. S. & Co. inform Mr. P. 
 that J. B 's acceptance, &c. is not paid ; as indorser, Mr. P. is called upon," &c. Strange 
 V. Price, 10 A & E. 125. " A bill, &c. lies at my office unpaid." Phillips v. Gould, 
 8 Car. & P. 355. " The bill, &c. is not took up, and 4s. 6c?. expenses ; and the money 
 I must pay," &c. Messenger v. Southey, 1 Man. & G. 76. " A bill, &c. is unpaid, and the 
 person at whose house it is made payable don't speak very favorably of the acceptor's 
 punctuality." Furze v. Sharwood, 2 Q. B. 388. " A bill, &c. is unpaid, and lies due at 
 Mr. J F.'s," &c. Id. " A bill, &c. lies due and unpaid at my house." Id. " W. H.'s 
 acceptance, &c. is unpaid. He has promised to pay it in a week or ten days," &c. Id. 
 
 The following notices were held to state the fact of dishonor sufficiently. " Your 
 note has been returned dishonored." Lord Abinger, C. B, Edmonds v. Cates, 2 
 Jur. 183. "Mr. E. is unable to pay the note for a few days; he says he shall be 
 ready In a week," &c. Margesson ?». Goble, 2 Chitty, 364. " A promissory note, &c., 
 has been returned unpaid, and I have to request that you will please remit the amount 
 thereof, with Is. 6(i. noting." Hedger v. Steavenson, 2 M. & W. 799. " A bill, &c. 
 is dishonored and unpaid, and I am desired to give you notice thereof, and request 
 that the same may be immediately paid." Woodthorpe v. Lawes, 2 M. & W. 109. 
 " A bill, &c. has been presented for payment to the acceptor thereof, and returned dis- 
 honored, and now lies overdue and unpaid," &c. Lewis v. Gompertz, 6 M & W. 400. 
 " I am instructed to give you notice that a bill, &c. has been dishonored." Stocken v. 
 Collin, 7 M. & W. 515. " An acceptance, &c is unpaid, and I request your imme- 
 diate attention to it " Bailey v. Porter, 14 M. & W. 44. " Bill, &c. dishonored." 
 Rowlands v. Springett, 14 M. & W. 7. " The bill is this day returned, with ciiarges." 
 Grugeon v. Smith, 6 A. & E. 499. " The acceptance, &c. has been presented for pay- 
 ment, and returned, and now remains unpaid." Cooke v. French, 10 A. & E. 131, note 6. 
 ''Your draft, &c. is returned to us unpaid, and if not taken up this day, procoodiiigs 
 will be taken against you for the recovery thereof." Robson v. Curlewis, 2 Q. B. 421. 
 "A bill, &c. lies at, &c., dishonored." King v. Biekley, id. 419. " We beg to ac- 
 quaint you with the non-payment of A's acceptance, &c., amounting, with expenses, 
 
 V ».T„ I. 40
 
 470 NOTES AND BILLS. [CH. XH. 
 
 Although hi some of the cases in America the rule is stated in 
 the words of Lord Tindal, C. J. and Parke, J., yet it does not 
 seem to be so stated generally, and the tendency of tlie authori- 
 ties is towards the more liberal application ; (h) but still it is clear 
 that something more than the mere fact of non-payment must 
 appear. (i) The reason is, that it does not follow that a note is dis- 
 
 to, &c., which remit to us in course of post, without fail." Everard v. Watson, 1 Ellis 
 & B. 801. " A bill, &c. became due, &c., and is unpaid. Noting, 5s." Armstrong v. 
 Christiani, .5 C. B. 687. A notice by an attorney as follows : " 1 am requested to 
 apply to you for payment of, &c., the amount of an overdue acceptance drawn by you, 
 &c.. and to inform you that, unless the same be paid to me, with noting, interest, and 
 .5s. for this application, proceedings will be taken," &c. Wathen v. Blackwell, 6 Jur. 
 738. A parol notice to the following eifect : " I called to tell Mr. A. that a bill, &c. 
 was presented, &c., is unpaid and dishonored," &c. Smith v. Boulton, 1 Hurl. & W. 3. 
 
 (//) Storij, J., Mills V. Bank of U. S., 11 Wheat. 431 ; Shaw, C- J., Gilbert v. Deu- 
 nis, 3 Met. 495 ; Beurdsley, J., Wynn v. Alden, 4 Denio, 163. 
 
 (i) Gilbert v. Dennis, 3 Met. 495; Pinkham v. Macy, 9 id. 174 ; Dole v. Gold, 5 
 Barb. 490; Ransom v. Mack, 2 Hill, 587; Sinclair y. Lynah, 1 Speers, 244 ; Town- 
 send V. Lorain Bank, 2 Ohio State, 345 ; Armstrong v. Tliruston, 11 Md. 148; Man- 
 ning V. Hays, 6 id. 5 ; Boehme v. Carr, 3 id. 202 ; Nailor v. Bowie, id. 251 ; Graham v. 
 Sangston, 1 id. 59. In Gilbert v. Dennis, 3 Met. 495, Shaiv, C. J. said, after referring 
 to the case of Mills v. U. S. Bank, 11 Wheat. 431, which had been cited in argument 
 as an authority to show that the notice need not state the fact of dishonor : " As to the 
 sufficiency of the notice, the opinion was delivered by Mr. Justice Story. Some particu- 
 lar expressions, taken alone, would seem to warrant the position for which it is cited. 
 But taking the whole together, and in reference to the case then before the court, we 
 think it is not opposed to the rule as stated in the English cases." After carefully 
 reviewing tiie autiiorities, the learned judge continued: '" We have thus attempted, at 
 the risk of being somewhat tedious, to ascertain what the true rule is upon this subject, 
 on account of the extreme importance of certainty and uniformity in the rules of law 
 applicable to the rights and duties of holders and other parties to notes and bills of ex- 
 change. And we take that rule to be, that, as an indorser is liable only conditionally 
 for tiie payment, in case of a dishonor of the note at its maturity by the maker, and 
 notice thereof to the indorser, in order to charge him, notice of such dishonor must 
 be given him by the holder or his agent, or some party to the bill ; that mere notice of 
 non-payment, which does not express or imply notice of dishonor, is not such notice as 
 
 will render the indorser liable This notice comes from an individual, not from a 
 
 bank. It was delivered at 11 A. M. There would liien be no default and no dishonor, 
 unless a demand had been made on the promisor. An averment, therefore, that it was 
 unpaid, did not, by necessary implication, or reasonable intendment, amount to an aver- 
 ment or intimation that payment had been demanded and refused, or that the note had 
 been otiii'rwise dishonored." Some of the earlier cases seem to have been less strict, and 
 to have decided that a notice was suflicient if it put the indorser on inquiry ; but we are 
 aware of no recent decisions to this ctrcct. Sec Bank of CajjC Fear v. Seawell, 2 Hawks, 
 5f.O ; CliewningB. Gatevvood, 5 How. Miss. 552; Bank of U. S. v. Norwood, 1 Harris 
 & J 423 ; Sussex Bank v. Baldwin, 2 Harrison, 487, 490; Shrieve v flombs, 1 Littell, 
 194 ; H.cdy v. Scixas, 2 Johns. Cas. 337 ; Bank of Kochcstcr v. Gould, 9 Wend. 279. 
 
 Tim following notice was held suRicient, the note being payable at a specified place: 
 " I uddnis.icd written notices to the indorsers of the note therein, informing them that
 
 CH. Xn.] THE FORM OF THE NOTICE. 471 
 
 honored because it is unpaid, for we have seen that the holler is: 
 obliged to use reasonable diligence to find the maker and acceutor. 
 and to present the bill to him. This does not apply where a note 
 or bill is made payable at a specified place, and consequently the 
 notice may be sufficient in such a case if it appear simply *hat 
 the note or bill was unpaid. (7) The word " protested "*use(] in 
 a notice clearly implies that the note or bill has been dishonored, 
 in all cases where a protest is necessary ; (k) and by the weif'ht 
 of authority this word sufficiently designates that the necessary 
 steps have been taken even in the case of inland bills (/) ard 
 promissory notes, (?n) where the law does not require a protest. 
 
 In the earlier English cases it has been regarded as a third 
 requisite to a valid notice, that it should state that the party to 
 whom the notice was sent was looked to for payment. {/*) But 
 there does not seem to have been any express decision to thir 
 point, and from the later cases it would seem to be considerec' 
 that this is not essential, because it is implied from the fact of 
 the bill being protested. (o) 
 
 they were severally held liable for the payment thereof." Graham v. Sangston, 1 Md. 
 59. So were the following notiees, where the note was payable at a bank. " The note 
 of, &c., which you indorsed, fell due this day, and remains unpaid." Clark v. Eldridge, 
 13 Met. 96. " I addressed written notices to the indorsers, &c., informing them that 
 it had not been paid," &c. Hunter v. Van Bomhorst, 1 Md. 504. 
 
 (_;■) Clark v. Eldridge, 13 Met. 96. See Pinkham v. Macy, 9 id. 174 ; Gilbert v. Den- 
 nis, 3 id. 495 ; Housatonic Bank v. Laflin, 5 Gush. 546 ; Graham v. Sangston, 1 Md. 
 59 ; Hunter y. Van Bomhorst, id. 504 ; Sasscer v. Farmers' Bank, 4 id. 409. 
 
 (k) Crawford i'. Branch Bank, 7 Ala. 205 ; Spies v. Newberry, 2 Doug. Mich. 495. 
 In De Wolf v. Murray, 2 Sandf. 166, a statement by an indorsee charging the indorser 
 with " protested exchange," giving the names of the drawer and acceptor, the amount 
 and charges, was held sufficient to warrant a finding by the jury that this contained 
 sufficient intimation of dishonor. 
 
 (/) Saltmarsh v. Tuthill, 13 Ala. 390. 
 
 (m) Mills y. Bank of U. S., 11 Wheat. 431 ; Bank of Alexandria y. Swann, 9 Pet. 33; 
 Cook y. Litchfield, 5 Sandf. 330, 5 Seld. 279 ; Cayuga Co. Bank v. Warden, 1 Comst. 
 413, 2 Seld. 19 ; Youngs v. Lee, 2 Kern. 551, 18 Barb. 187 ; Beals v. Peck, 12 Barb. 445 ; 
 Keiner y. Downer. 23 Wend. 620 ; Crocker v. Getchell, 23 Maine. 392 ; Bank of Roches- 
 ter V. Gould, 9 Wend. 279 ; Howe v. Bradley, 19 Maine, 31 ; Smith v. Little, 10 N. H. 
 526 ; Mainerij. Spurlock, 9 Rob. La. 161 ; Kilgore v. Bulkley, 14 Conn. 362; Housatonic 
 Bank v. Laflin, 5 Cush. 546 ; Brewster v. Arnold, 1 Wise. 264 ; Denegre v. Hiriart, 6 La. 
 Ann. 100 ; Burgess v. Vreeland, 4 N.J. 71. Contra, Piatt y. Drake, 1 Doug. Mich. 296. 
 
 (71) Buller and Ashhurst, JJ., Tindal v. Brown, 1 T. R. 169. 
 
 (o) Miers y. Brown, U M. .& W. 372. Purke, B., Allen v. Edmundson, 2 Exch. 719 ; 
 Furze ". Sharwood, 2 Q. B. 388 ; King v. Bickley, id. 419 ; Chard v. Fox, 14 id. 200 ; 
 Uitsswell, J., Caunt v. Thompson, 7 C- B. 400 ; Hamilton v. Smith, Longf. & T. 100. 
 In East V Smith, 4 Ddw. & L. 744, Coleridge, J. made a distinction between the case
 
 i72 NOTES AND BILLS. [CH. XIL 
 
 The Supreme Court of the United States has distinctly de- 
 clared that a notice of dishonor addressed to a party to a note 
 " necessarily implies " tliat he is looked to for payment, because 
 •' for what other purpose could it be sent ? "(/?) Such is' certainly 
 the prevailing rule at this time.(^) While, however, a demand 
 is implied by a statement of dishonor, it is quite clear that as yet 
 dishonor is not implied in a statement of demand ; and it is 
 therefore not enough to tell the party notified that he is looked 
 to for payment, unless he is also told that the paper is dishon- 
 ored. Such is the English rule, and we are not aware of any 
 authoritative American cases which hold otherwise ; although it 
 would be easy to ask on what other ground can payment be 
 required, and about as logical and rational to hold that dishonor 
 was implied in demand, as that demand was implied in dishonor. 
 
 It is obvious, also, that the notice should describe the instru- 
 ment so that its identity is sufficiently certain, and so that there 
 can be no reasonable ground for mistaking it. Tlie requirements 
 of the law on this point would seem to be satisfied with any de- 
 scription which, under all the circumstances of the case, so desig- 
 nates and distinguishes the note or bill as to leave no doubt in the 
 mind of the indorser, as a reasonable man, what note was intend- 
 ed, (r) Tliere is, however, much uncertainty in the adjudication 
 of our various courts, and it is not easy to say, either on reason 
 or authority, what the law actually requires. Thus it has been 
 held in England, that notice to the drawer that his draft on the 
 drawee, naming the latter, was dishonored, was prima facie suf- 
 ficient, although neither the date, amount, time of maturity, &c. 
 was specified. (i') it has been held in America, that a notice to 
 
 of a notico coming diructly from tlie holder and one not cominj^ immediately from liim, 
 intimatin;^; liiat in the former no statement tiiat the party I'eceiviiif; the notice was loolced 
 to for i)aymeiit was necessary, and in tlic hitter, tiiat such statement should be made. 
 
 {p) Bank of U. S. v. Carneal, 2 Pet. .')43. 
 
 (7) Cowlcs V. Harts, 3 Conn. 516 ; Warren v. Oilman, 17 Maine, 360; Townsend w. 
 Lorain Bank, 2 Ohio State, 34.') ; Barstow v. Iliriart, 6 La. Ann. 98 ; Biiryess v. 
 Vr(;clatid, 4 N. J. 71 ; Shrieve v. Duckliam, 1 Littell, 194. See Hansom v. Mack, 
 2 Hill, .-iS?. 
 
 (r) See !Shuw, C. J., Gili)ert v. Dennis, 3 Mot. 495, 498 ; Shelton v. BraitJiwaite, 7 
 .M. & W. 436 ; Wood V. Watson, 53 Me. 301. 
 
 (h) Slieltx)n i;. Brailliwailc, 7 M. & W. 436. In Stockman v. I'arr, 11 iil. ,S()9, the 
 only dcHcciiition of the liill .sned on, in an action iijj;iiinst the drawer, was ".t.^.'i I \.i. M. 
 due on your dishonored note, dated 19th of Decendicr last." The amount of the lull 
 WHS £53, the (■hiir;;('s hcinj^ 6.'*. Cn/. This wiis held snllieient.
 
 CH. XU.] THE FORM OF THE NOTICE. 478 
 
 an iiidorser of a note, simply stating the name of the maker, the 
 amount, and the fact that it was indorsed by the party to whom 
 the notice was sent, was a sufficient description. (^) But iu such 
 cases it is open to the defendant to prove any circumstances 
 tending to show that sucli a description was insufficient to ap- 
 prise him what note was intended. He may show, for instance, 
 such facts as that there were two or more notes or bills to which 
 the terms of the notice might equally apply, and then tbe notice 
 might be void for uncertainty as to the description, (w) It has been 
 
 {t) Housatonic Bank v. Laflin, 5 Cush. .546 ; Beals v. Beck, 12 Barb. 245 ; Youngs 
 V. Lee, 18 id. 187, 2 Kern. 551 ; Kilgore ?;. Bulklcy, 14 Conn 362. In Wlicaton v. 
 Wilinarth, 13 Met. 422, the notice, in addition to these facts, stated the date when the 
 note was due, and was held sufficient. So Bank of Rochester v- Gould, 9 Wend. 279. 
 In Cook V. Litchfield, 5 Seld. 279, 5 Sandf. 330, the notice stated the name of the 
 maker, the amount and date of the note, the indorsement, and also information that it 
 was protested on the same day it became due. This was held to describe the note suffi- 
 ciently. The notice need not state the name of the holder, Mills v. Bank of U. S., 1 1 
 Wheat. 431, Bradley v. Davis, 26 Maine, 45; nor at whose request the notice was 
 given, id.. Shed v. Brett, 1 Pick. 401 ; nor where the demand was made, Mills v. Bank 
 of U. S., 11 Wheat. 431 ; nor when a note was protested. Cook v. Litchfield, supra; 
 nor where the bill is lying, nor on whose behalf payment is demanded, Woodthor])e v. 
 Lawes, 2 M. & W. 109, Housego v. Cowne, id. 348, Harrison v. Ruscoe, 15 id. 231 ; 
 nor at what hour the note was presented at a bank, Fleming v. Fulton, 6 How. Miss. 
 473 ; nor that the party presenting had the paper with him at the time, nor the name 
 of the drawees, Mainer v. Spurlock, 9 Hob. La. 161 ; nor the fact of payment, nor the 
 absence of the maker when the note was presented, Sanger v. Stimpson, 8 Mass. 260; 
 Qor at what time payment was due, Denegre v. Hiriart, 6 La. Ann. 100. In Wynn 
 V. Alden, 4 Denio, 163, the notice, which had no date, stated that the note had been 
 " this day presented for payment." Held defective. Sedqnwre. In Cayuga Co. Bank 
 V. Warden, 1 Comst. 413, 2 Seld. 19, the notice to each of two joint indorsers stated 
 that the note was indorsed " by you." It was objected, that this described the indorse- 
 ment as a several one, when it was joint, but the court overruled the objection. 
 
 (u) In the cases cited supra, note s, the reason given for the decision was, that it did 
 not appear that there were any other bills to which the notice could apply, and there- 
 fore the indorser could not have been misled. In Cook v. Litchfield, 5 Seld. 279, there 
 were four notes of the same maker, indorser, date, and amount, but payable respec- 
 tively at nine, ten, eleven, and twelve months from the common date. The notices 
 were alike in all respects except their dates, and in two the amount of the interest due 
 was stated in the margin. It was held that the first notice was sufficient, no other 
 note to which the notice was applicable having, at that time, become due ; but that the 
 notice was insufficient as regarded the three other notes, because there were, at the time 
 each became due, two or more notes in existence to which the terms of the notice would 
 equally apply. It will be seen that each notice was dated the day when the note to 
 which it referred fell due, and the only reference to the time of maturity contained in 
 the body of the notice was the fact of protest " on the day when the same became due." 
 It is somewhat difficult, we think, to answer the objection to this case, that on the day 
 the sec md notice was received the indorser could not have considered it as referring to 
 the first note, because lie had already received notice of the dishonor of that note a 
 40*
 
 474 NOTES AND BILLS. [CH. XH 
 
 held tliat the notice should state the name of the maker of the 
 note,(y) and also the date of the presentment, (i<;) but it may 
 be doubted whether the latter is essential. A verbal notice in 
 which the only words of description were " the note " has been 
 held sufficient, it appearing from the conversation that the in- 
 dorser understood what note was referred to. (a;) Tlie authorities 
 are conflicting as to the point whether the question of sufficiency 
 of the description in the notice is one for tlie court or the jury 
 to decide. We should say, that on principle the court ouglit to 
 determine tlie point, which is not whether the party notified was 
 misled or deceived, but whether he miglit, under all the circum- 
 stances, as a reasonably prudent man, have been deceived. (</) 
 But there are authorities which hold that the matter depends on 
 whether the indorser has been actually misled or deceived, and 
 that this is a fact wliicli the jury alone can decide. (;:) 
 
 The effect of a misdescription of the note in the notice has been 
 somewhat considered, and liere also the authorities are in an 
 unsatisfactory state. It is said that the law in England " now is, 
 that any misdescription which does not mislead is immaterial, 
 and does not vitiate the notice." (a) It would follow from this 
 view that a jury should determine the question, for it must be 
 a matter of fact in each case whether the indorser was misled or 
 
 month previous. The court held that it could not apply to the third or fourth note, 
 because these were not at this time due. The judgment of the Superior Court, 5 
 Sandf 3.30, was overruled. Duer, .T., in his opinion in the latter court, said : "Nor can 
 we doubt that, in each case, tiic note thus arrived at maturity was understood by the de- 
 fendant to be the note dishonored. That he was in fact misled is most improbable ; 
 that he ought not to have been misled is quite certain." The only answer to the above 
 objection, given by Rit(/f/les, C. J., in the Court of Appeals, was, that " it is not strong 
 enough to sustain the plaintiff's demand, without violating a settled and salutary prin- 
 ciple of law. The description of the note should be sufficiently certain to enable the 
 
 indorser to know to what one in particular the notice applies In the present case, 
 
 the defendant indorsed four notes which were alike in all respects, excepting in regard 
 to the time of payment; and yet the notices omitted to describe them with reference tc 
 that important particular, by which only they could be distinguished one from the other." 
 
 (v) Home Ins. Co. v. Green, 19 N. Y. .518. 
 
 (w) Wynn v. Alden, 4 Dcnio, 16.3, su/ira, p. 473, note t. 
 
 (x) Woodin V. Foster, 16 liarb. 146. 
 
 (//) Crawford v. Branch Bank, 7 Ala. 20.5. Sec Maincr v. Spurlock, 9 Kob. La. 161, 
 and the casiis cited in/rn, p. 475, note; l>, and p. 477, note; r. 
 
 («) Kilgore v Bulklcy, 14 Conn. 362. See the cases cited iii/ni, p. 475, note b. 
 
 (a) Ciiitty on Bills, 10th I,ond. erl , 299. The cases cited in supjmrt of this doctrine 
 are Bn.nuige v. Vaughan, 9 Q. B. 608; Mcllorsh v. Rippcn, 7 Exch. 578; and Smith 
 i;. Whiting, 12 Mass 6.
 
 CH. XII.] THE FORM OF THE NOTICE. 475 
 
 not, and many authorities adopt this viQ\v.{b) But our opinion, 
 independently of authorities, would be, that if it were intended 
 to describe the proper note, and the description of the note be 
 such that a reasonably prudent man, under the circumstances 
 of the case, ought to know what note was intended to be de- 
 scribed, the misdescription would not invalidate the notice, and 
 that it would be immaterial whether the indorser were misled in 
 fact or not. This must be deducible mainly from the notice 
 itself, and by construction, although facts could come in to help 
 the construction, and therefore we should prefer to consider the 
 matter as a question of law for the court, and there are authori- 
 ties to this effect. (c) 
 
 One of the circumstances which would have much effect here 
 would be the existence or absence of other notes by the same 
 parties, to which the terms of the notice would equally apply ; 
 and here, also, the burden of proving this would be upon the 
 party seeking to invalidate the notice. (cZ) It has been held that 
 a notice addressed to an indorser, and describing him as drawer, 
 was insufficient. (e) But notices describing the drawer as the 
 acceptor,(/) a note as a bill,(^) a bill as a note, (A) were suf- 
 
 (6) Stockman v. Parr, 11 M. & W. 809; Smith v. Whiting, 12 Mass. 6 ; Reedy v. 
 Seixas, 2 Johns. Cas. 337 ; Bank of Rochester v. Gould, 9 Wend. 279 ; McKnight v. 
 Lewis, 5 Barb. 681 , Ross v. Planters' Bank, 5 Humph. 335 ; Moorman v. Bank of 
 Alabama, 3 Port. Ala. 333. See Carter v. Bradley, 19 Maine, 62. 
 
 (c) In Remer v. Downer, 23 Wend. 620, 2.5 id. 277, the Court of Appeals reversed 
 the decision of the Supreme Court, as reported in 21 id. 10, where it was left to the 
 jury to decide the matter ; but the ground for the reversal does not appear clearly. 
 Branson, J , in Ransom o. Mack, 2 Hill, .587, thinks the decision proceeded upon the 
 ground that the court should have decided the question, and not the jury. In Mills 
 V. Bank of U. S., 11 Wheat. 431, the judge directed the jury to find the notice good, if 
 no other note, of the same parties, and payable at the same place, had been proved to 
 their satisfaction to exist ; and this charge was held correct. This would seem to be 
 treating the question as a matter of law. It was so treated in Bank of Alexandria v 
 Swann, 9 Pet 33, and in Cayuga Co. Bank v. Warden, 1 Comst. 413, 2 Seld. 19. 
 See the cases cited supra, p. 474, note]/. 
 
 (d) Mills V. Bank of U. S., 11 Wheat. 431 ; Bank of Alexandria v. Swann, 9 Pet. 
 33 ; Reedy v. Seixas, 2 Johns. Cas. 337 ; Cayuga Co. Bank v. Warden, 1 Comst. 413, 
 2 Seld. 19. See sttpra. p. 473, note u. 
 
 (e) Beauchamp v. Cash, 1 Dow. & R., N. P. 3. See next note. 
 
 (/) Mellersh v. Rippen, 7 Exch. 578. The case of Beauchamp v. Cash, 1 Dow. & 
 R., N. P. 3, which held a notice to be bad because the indorser of a bill was described 
 as the drawer, must be considered as overruled. 
 
 {g) Messenger v Southey, 1 Man. & G. 76. 
 
 {k) Stockman v. Parr, 11 M. & W. 809, supra, p. 472, note s.
 
 476 NOTES AND BILLS. [CH. XH. 
 
 ficient. Also, misdescription of the amount,(i) names of the 
 parties, (y) date of the note, (A;) the place wliere tlie bill or note 
 was payable, (/) or where it was lying,(m) or where it fell due,(w) 
 liave been held immaterial. Whether a misstatement as to the 
 time when tlie note or bill was presented or protested is suf- 
 ficient to invalidate the notice is unsettled, the authorities being 
 conflicting. (o) But the reasons for holding the notice ineffectual, 
 because by this or any other inaccuracy the notice informs the 
 indorser in reality that he is discharged, seem to be quite strong. 
 There is also a conflict on this point with respect to whether this 
 is a question of law or fact.(j») Although a misstatement may 
 not be material as regards the invalidity of the notice, yet it may 
 have some effect in other respects. Tluis, if a notice misstated 
 the name of the person on whose behalf it was given, the effect 
 of this would probably be to place the party giving it in the same 
 situation as to the party to whom it was given as if the repre- 
 sentation had been true, and therefore tlie latter would have 
 every defence against the former that he would have if the notice 
 had been really given by the party named. (^7) Upon the whole, 
 we must content ourselves with saying that tlie notice should 
 contain all the facts which we have before enumerated, in order 
 
 (i) Reedy v. Seixas, 2 Johns. Cas. 337 ; Bank of Alexandria v. Swann, 9 Pet. 33 ; 
 Cayujra Co. Bank v. Warden, 1 Comst. 413, 2 Seld. 19 ; McKni^-^ht v. Lewis, .5 Barb. 
 681 ; Bank of Rociiester v. Gould, 9 Wend. 279 ; Rowan v. Odenheimfr, 5 Smedes 
 & M. 44 ; Snow i\ Perkins, 2 Mich. 238. 
 
 {j) Smith V Whiting, 12 Mass. 6. where the maker, whose name was Jotham Ciish- 
 man, was called Jotham Gushing ; Moorman v. Bank of Alabama, 3 Port. Ala. 353, 
 where a subsequent indorser was described as Pyron, when his nam« was Byron ; 
 Dennistount;. Steward, 17 How. GOG; Garter (?. Bradley, 19 Maine, 62. 
 
 (k) Mills V. Bank of U. S., 11 Wheat. 431 ; Ross v. Planters' Bank, 5 Humph. 335; 
 Tobey v. Lenuig, 14 Penn. State, 483. 
 
 (/) Bromage v. Vauglian, 9 Q. B. G09. 
 
 (/«) liowlands v. Springett, 14 M. & W. 7. 
 
 {it} Smith V. Whilring, 12 Mass. 6. 
 
 (o) That the notice was ineflcctual was luld, as a matter of law, in Ransom v. 
 Mack. 2 Hill, 587; Ruuth v. Robertson, 11 Smedes & M. 382 ; Etting i;. Schuylkill 
 Bank, 2 Peim. State, 355 ; 'J'ownsend v. Lorain Bank, 2 Ohio State, 345. Coutm, On- 
 tario Bank v. Petrie, 3 Wend. 45G ; Groeker v. Gctehell, 23 Maine, 392. The reason 
 given here was tliat tlie indorser could not have been mi.ilcd. In the former case, the 
 mutter was hrft with the jury ; in the latter, the court seem to have decided it. It "vill 
 be Hcen, however, that in the iatler case the mistake was apparent upon the face of tho 
 notice. 
 
 (/)) See the cases in Jiol*' a, xiijini. 
 
 {i/j Harrison v. IJu.scue, 15 M. & \V. 231.
 
 CH. Xn.] MANNER IN WHICH NOTICE SHOULD BE GIVEN. 477 
 
 that it may be sure to answer its purpose ; but there is miich 
 uncertainty as to most of them, as we have ah^eady seen. Where 
 the facts are not in dispute, and are independent of the matter 
 of description, misdescription, or misinformation, our leading 
 authorities hold that the sufficiency of the notice, if iji writing, 
 is to be determined by the court. (r) 
 
 SECTION II. 
 
 OF THE MANNER IN WHICH NOTICE SHOULD BE GIVEN. 
 
 The notice is usually in writing, but it seems to be sufficient 
 to satisfy the law if it be oral only ; (s) but it can be much more 
 easily and certainly proved if in writing, and in mercantile mat- 
 ters any departure from established customs is objectionable and 
 generally suspicious. Personal service is never necessary. It is 
 said to be sufficient to leave a written notice at the dwelling or 
 counting-room of the parties, or a verbal notice with any one 
 who may be found there. (/) This rule must, however, receive 
 a reasonable interpretation. It would not, for example, be suf- 
 ficient to leave the notice with one known to be casually there 
 for a temporary purpose ; nor with one who was obviously unable 
 to comprehend or deliver a message. Notice is usually sent by 
 mail in London, and in this country where the sender and the 
 
 (r) Dole V. Gold, 5 Barb. 490; Wynn v. Alden, 4 Denio, 163; Townsend r>. 
 Lorain Bank, 2 Ohio State, 345 ; Piatt v. Drake, 1 Don<r. Mich. 296 ; Brewster v. 
 Arnold, 1 Wise. 264. It seems to have been so treated in Gilbert v. Dennis, 3 Met. 495; 
 Pinkham v. Macy, 9 Met. 174. Contra, it would seem, Paul i'. Joel, 3 H. & N. 455 ; 
 De Wolf V. Murray, 2 Sandf. 166. In McKnight v. Lewis, 5 Barb. 490, the distinc- 
 tion is taken between a notice defective on its face and one in which the note is misde- 
 scribed. The case of Cayuga Co. Bank v. Warden, 1 Comst. 413, 2 Seld. 19, is relied 
 upon ; but in that case the court decided the question themselves. It would seem that 
 an indorser might equally be deceived, where the notice does not convey sufficient in- 
 formation respecting the note or the circumstances attending its dishonor, as well aa 
 where it contains some error or mistake. 
 
 (s) Cuyler v. Stevens, 4 Wend. 566; Woodin v Foster, 16 Barb. 146; Shaw, 
 C. J., Gilliert v. Dennis, 3 Met. 495 ; Glasgow v. Pratte* 8 Misso. 336 ; Metcalfe v. 
 Richardson, 11 C. B. 1011 ; Caunt v. Thompson, 7 id. 400; Housego v. Cowne, 
 3 M. & W. 348 ; Phillips v. Gould, 8 Car. & P. 355 ; Smith v. Boulton, I Hurl. & 
 W. 3. 
 
 (/) See infra.
 
 478 NOTES AND BILLS. [CH. XH. 
 
 Darty addressed do not live in the same town.(?y) And if prop- 
 erly sent by mail, the law, which for certain purposes seems to 
 guarantee a discharge of their duties by persons employed by 
 the State, or to assume such due discharge as a fact, liolds the 
 sender reUeved from all consequences of a miscarriage, as has 
 been already intimated in respect to demand. In other words, 
 tlie sender is bound to use due diligence ; and on tliis point it is 
 sufficient diligence if the letter be put into a regular post-office ; 
 for it cannot be asked of any sender that he should have any 
 oversight of, or interference with, the public service of the post- 
 office. And therefore he is held to no liability for accident 
 there, however it may happen. (i?) 
 
 The same rule would undoubtedly apply to an international 
 mail service by water. But if the sender prefer sending the no- 
 tice by his own messenger, or by any other means, he may do 
 so ; (w) it is not, however, quite certain what his responsibility 
 now is. It may be that the due diligence required of him is sat- 
 
 («) See infra, pp. 481, 482. 
 
 (v) In tlie following cases it was held that puttinjj a letter, properly directed, and at 
 a proper time, in the post-office was sufficient, without proof of its reception. Saun- 
 derson v. Judge, 2 H. Bl. 509 ; Parker i'. Gordon, 7 East, 385 ; Bussard v. Levering, 
 
 6 Wheat. 102 ; Lindenberger v. Beall, id. 104 ; Munn v Baldwin, 6 Mass. 316 ; Stan- 
 ton V. Blossom, 14 id. 116 ; Ogden v. Cowley, 2 Joims. 274 ; Ellis v. Commercial Bank, 
 
 7 How. Mis.s. 294; Commercial Bank v. Strong, 28 Vt. 316. See Walters v. Brown, 
 15 Md. 285 ; Haly v. Brown, 5 Penn. State, 178; Smyth v. Hawthorn, 3 Rawle, 355 ; 
 Hartford Bank v. Hart, 3 Day, 491. See Shepard v. Hall, 1 Conn. 329. In Miller 
 V. Hackley, 5 Johns. 375, the notary testified that it was his usual practice to mail 
 notices to iudorsers living at a distance the evening of the day of protest, and that he 
 had no doubt but that he had done so with the notice in the case in suit, though he 
 could not recollect positively. Held sufficient. But in Dale v Lubbock, 1 Barnard. 
 199, R'lyiiioiiJ, C. J. '"did not think the bare sending of a letter to the post-house would 
 be sufficient, without some further proofs of the acceptor's receiving it." In the follow- 
 ing cases iliere was evidence of a delay in the transmission by mail. Dickins v. Beal, 
 10 Pet. 572 ; Mount Vernon Bank v. Ilolden, 2 R. I. 467 ; Dobree v. Eastwood, 3 Car. 
 & P. 2.=)0; Stocken v. Collin, 7 M. & W. 515; Woodcock v. Ilouldsworth, 16 M. & 
 W. 124. In the following cases there was evidence that tlie notice was not received. 
 Shed V. Bntt, 1 Pick. 401 ; Hcnshaw ». Triplett, 23 Misso. 213; Chapman v. Lips- 
 combe, I Johns. 294, where, from the circumstances of the case, the notice couhl not 
 have couic to the hands of the party to whom it was scut. In Jones v. Wardcll, 6 
 Watts & S. 399, there was a delay owing to the fact that the wrong person, of the 
 Hamc name with the indorscit took tli(! notice out of the post-office. The indorscr was 
 held. 
 
 («;) Jarvis v. St. Croix Maniif Co., 23 Maine, 287 ; Bancroft v. Hall, Holt, N. P. 
 476 ; Pearson v. Crallan, 2 J. P. Smith, 404 ; W/iUeheud, J., Hazelton Co. v. Kyerson. 
 S()encer, \ '/'.>.
 
 CH. Xn.] MANNER IN WHICH NOTICE SHOULD BE GIVEN. 479 
 
 isfied with reasonable care in selecting his messenger or servant ; 
 but perhaps it should be held that he may select either to employ 
 a public servant, and then the responsibility is off his hands as 
 soon as the notice is delivered to the mail ; or he may elect to 
 send it by his own private conveyance, and then his responsibility 
 continues until due delivery to the person to be notified. (a:) We 
 think this latter view is more consonant with the true principles 
 of the case, and should be unwilling to admit an exception to it, 
 unless, perhaps, where the sender could not be said to elect, be- 
 cause there was no public conveyance between him and the person 
 to be notified. (?/) Then it becomes his duty to send the notice 
 in the best and safest way he can ; and if he exercises a sound 
 discretion in selecting and in using that way, he miglit be safe 
 from the consequences of a miscarriage which could not be at- 
 tributed to him as a fault. Where it should be sent by mail, but 
 is sent by a private messenger, it seems that if it arrives on the 
 same day on which the mail would bring it, and later in the day, 
 it is still sufficient if it comes within business hours ; (z) but if it 
 does not come until the day after, this delay vitiates the notice. (a) 
 
 (x) In Van Vechten v. Pruyn, 3 Kern 549, 555, Johnson, J. said : " Where the ser- 
 vice is by mail, the duty of the holder is discharged by depositing the notice in the 
 post-office, properly directed. Whether it ever reaches the indorser or not, his liability 
 is fixed. On the other hand, where personal notice is to be given, the obligation is 
 upon the holder to leave the notice, either with the party to be charged, or at his resi- 
 dence or place of business. In these cases, there is no risk in transmission to be borne 
 by the indorser." 
 
 (y) In Bank of Columbia v. Lawrence, 1 Pet. 578, 584, Thompson, J. said : " In cases 
 where the party entitled to notice resides in the country, unless notice sent by mail is 
 sufficient, a special messenger must be employed for the purpose of serving it. And 
 we think that the present case is clearly one which does not impose upon the plaintiffs 
 such duty. We do not mean to say no such cases can arise, but they will seldom if 
 ever occur, and at all events such a course ought not to be required of a holder, except 
 under very special circumstances. Some countenance has lately been given to tliis 
 practice in England in extraordinary cases, by allowing the holder to recover of the 
 indorser the expenses of serving notice by a special messenger. The case of Pearson 
 V. Crallan, 2 J. P. Smith, 404, is one of this description. But in that case the court did 
 not say that it was necessary to send a special messenger, and it was left to the jury to 
 decide whether it was done wantonly or not. The holder is not bound to use the mail 
 for the purpose of sending notice. He may employ a special messenger if he pleases, 
 but no case has been found where the English courts have directly decided that he 
 must. To compel the holder to incur such expense would be unreasonabIe„and the 
 policy of adopting a rule that will tln-ow such an increased charge upon commercial 
 paper on the party bound to pay, is at least very questionable." 
 
 {z) Bancroft v. Hall, Holt, 476. 
 
 (a) See Beeching v. Gower, Holt, 315, note ; Darbishirc v. Parker, 6 East, 3. In Jarvis
 
 480 NOTES AXD BILLS. [CH. X!l 
 
 If the want of an early post would cause a considerable delay, 
 and the parties were near, so that notice could easily and clieaply 
 be sent by private hand, we should say, however, that it ought to 
 be sent so; and a long delay could not be justified. (6) It has 
 been held, that, where a private messenger was employed, a holder 
 might in such a case charge the person addressed a reasonable 
 sura for the expense of doing so.(c) It has been held, that a bank 
 which holds a note for collection, and exercises due care in 
 selecting a notary to whom it is sent for demand, protest, and no- 
 tice, is not answerable for the default of the notary. The notary 
 public stands in some degree on the footing of the mail service, 
 as an agent or instrument provided by law, and therefore to a 
 certain extent guaranteed by law. The authorities are not uni- 
 form on this question ; some hold the bank liable for the proper 
 conduct of the notary employed ; and those which hold the bank 
 discharged by due care in selection seem to apply the same rule 
 to any person selected with due care as a competent agent, (c?) 
 
 V. St. Croix Manuf. Co., 23 Maine, 287, a notice had been forwarded part of the way by 
 a private messenger. By the regular course of the mail the notice might have been 
 received some days before its actual reception. Held, that it was incumbent upon the 
 plaintiff to have explained this delay, and not having done so, he was nonsuited. 
 
 (b) In some cases it has been held that it was necessary to make use of a special mes- 
 senger, as when the indorser lived at a considerable distance from a post-office. Fish 
 V. Jackman, 19 Maine, 467 ; Farmers'. &c. Bank v. Butler, 3 Littell, 498 ; Barker v. Hall, 
 Mart. & Y. 183 ; Bedford v. Hickman, 1 Yerg. 166. See Farmers', &c Bank ?•. Battle, 
 4 Humph 86. But these may be doubted, as it will be seen hereafter that many author- 
 ities hold that, in such cases, it will l)e sufficient to send the notices to the nearest pos^ 
 office. In State Bank v. Avers, 2 Halst. 130, Ford, J. said : "If persons residing far 
 from a post-town, aside from the common walks of gregarious commerce, will give 
 their names in guaranty of commercial paper, it is better that they should be held to 
 inquire for letters at the nearest post-office, about the time such paper comes to ma- 
 turity, than that the holder should be compelled to send a special messenger fifty or 
 one hundred and (ifty miles to serve personal notice, or that an established system 
 of notices, siiffieieiitly complex already, should be forced to give way to the introdiu-- 
 tion of novel excejitions, imposing burdensome, expensive, and hazardous duties on 
 all men of business, merely out of favor to eccentric residences." 
 
 (c) Pearson n. Crallan, 2 J. P. Smith, 404, where it was left to the jury to decide 
 whether the s[pecial messenger was necessary, and whether the charge was reasonable. 
 
 (d) nelleinire v. Bank of United States, 4 Wliart. 10.') ; Jackson v. Union Bank of 
 Maryland, 6 Harris & J. 146 ; East Haddam Bank v. Scovil, 12 Conn. 303 ; Wingate 
 V. Mechanics' Hank, 10 Barr, 104 ; Falieiis v. Mercantile Bank, 23 Pick. 3.30 ; Dor- 
 chcHter &, Milton Bank r. New Ktigland Bank, 1 Cush. 177; Warren Hank v. SuffiDlk 
 Bank, 10 Cu^h. 582. It was so held hy the Supreme Court of New York in Allen v. 
 MercliaiiiH' Bunk, 1.*) Wend. 4H2. The decision in this ca.se was, however, reversed hy 
 the Court of Errors by a vote of 14 to 10, Chancellor Walworth delivering an opinion
 
 CH. XII.] MANNER IX WHICH NOTICE SHOULD DE GIVEN. 481 
 
 In London, it is enougli if the notice is put into any autliorized 
 receiving-house ; but it has been said not to be enough to deliver 
 it to a " belhnan " in the streets. (/) Subsequently, this, how- 
 ever, seems to be doubted, (g*) and Lord Denman* calls a bellman 
 " an ambulatory post-oflfice."(A) The true qiiestion must be 
 this, — Is a bellman an officer of the state, and in substance an 
 authorized receiver for the post-office ? If not, he should stand 
 upon the same footing as any other carrier. Probably usage 
 would have some effect on a question of this kind. 
 
 Proof that a letter was put on a table with others, and that it 
 was the regular course of business of the porter of the place to 
 take all letters so deposited to the post-office, was held to be in- 
 sufficient ; but it was intimated that the evidence of the porter, 
 that he always carried the letters, without any distinct recollec- 
 tion of this one, might have made the proof sufficient. (i) If the 
 
 in favor of aflBrming the judgment of the Supreme Court. 22 Wend. 21.5. This decis- 
 ion of the Court of Errors is regarded as having settled the law in New Yorl;. See 
 Hoard v. Garner, 3 Sandf. 179 ; Montgomery Co. Banli v. Albany City Bank, 8 Barb. 
 896, 3 Seld. 459. 
 
 (/) In Hawkins v. Rutt, Peake, Cas. 186, Lord Kenyon held, that evidence that a 
 letter containing bills of exchange was delivered to the bellman was no proof that the 
 letters arrived at the post-office. 
 
 (g) In Pack v. Alexander, 3 Moore & S. 789, a letter containing bank-notes was 
 given to the bellman, who put it into his mail-bag. The bellman testified that the 
 bags are delivered locked at the post-office, and that a letter once put in could not be 
 abstracted without the aid of the key. The jury found for the plaintiff, on the ground 
 that there was no evidence that the letter ever reached the post-office. The court set 
 aside the verdict as against evidence. The cases of Hawkins v. Rutt, and Pack v. 
 Alexander, were not, it will be seen, cases involving the delivery of a notice to a 
 postman, but letters containing money ; and it may well be doubted whether suet 
 strictness would be required in the former case as in the latter. In Scott v. Lifford, 
 9 East, 347, 1 Camp. 246, the plaintiff, living in London, sent the notice to the defend- 
 ant, who resided in Shadwell, by the twopenny-post. Held sufficient. Le Blanc, J. 
 said, 9 East, 348 : " I cannot rule that the holder of a bill may not avail himself 
 of the conveyance by the twopenny-post." So the court said, 1 Camp. 249, that 
 " they did not see why, when the parties reside in London, or the near neighborhood, the 
 party sending the notice should not be allowed to avail himself of the convenience of 
 the twopenny-post, but should be obliged to despatch a special messenger." In Smith 
 V. MuUett, 2 Camp. 208, the notice was sent by the twopenny-post, and no objection 
 was taken to this ; but the case turned on atiotlier point. In Kilton v. Fairclough, 2 
 Camp. 633, it was held that a notice might be sent by the twopenny-post to any place 
 within its limits, and that distance was immaterial. In Dobree v. Eastwood, 3 Car. & 
 P. 250, the notice was sent by the same conveyance, the parties all residing in the same 
 place. It was proved that tiiere was an actual delay, but the notice was held sufficient. 
 
 (A) Skilbeck v. Garbett, 7 Q. B. 846, 849. 
 
 (i) Hctherington v. Kemp, 4 Camp. 193. In Skilbeck v Garbett, 7 Q. B. 846. a 
 
 Vol. I.— 2 F
 
 482 NOTES AND BILLS. LCH. Xfl. 
 
 parties live in the same town, the American cases hold, very gen. 
 erally, that the mail is not the proper instrument, or rather that it 
 has no advantage in law over any other means. (j) So, according 
 
 clerk of the plaintiff testified that, in the general course of business at the plaintiff's 
 office, letters were made up by him, and the public postman called every day for the 
 letters, which were placed in a box in the room where the witness sat, and were taken 
 from the box by the postman. The witness testified that the letter in question was made 
 up in the usual course, but no furtlier evidence was given as to the sending. Held 
 sufficient. See also Brailsford v. Williams, 1.5 Md. 150; Bell v. Hagerstown Bank, 
 7 Gill, 216 ; Flack ». Green, 3 Gill & J. 474 , Miller v. Hackley, 5 Johns. 375, supra, 
 p. 478, note v. In Commercial Bank v. Strong, 28 Vt. 316, it was proved to be the 
 duty of one clerk of a bank to fill out and direct notices, and to place them on his desk. 
 It was also proved to be the duty of another clerk to take the notices, so left daily, to 
 the post-office. The notice was proved to have been left in the usual place on a cer- 
 tain day, and afterwards on the same day had been removed. The clerk whose duty 
 it was to carry letters to the post-office testified that his usual practice was to carry them 
 promptly, but he could not swear that he had carried the notice in the case in suit. 
 Held sufficient proof of notice. Eedjield, C. J. criticises the propositions laid down 
 in Chitty on Bills, — that it is incumbent upon the holder " to prove distinctly and 
 by positive evidence that due notice was given, and that it cannot be left to inference or 
 presumption " ; and that " the party who puts a letter giving notice of the dishonor 
 of a bill into the post-office must be able to swear to a certainty, and not doubtfully, 
 that he put the letter in himself, and not that he was doubtful whether he did not de- 
 liver it to another clerk to put it in," — declaring them unsupported by the authorities 
 referred to. In Mount Vernon Bank v. Holden, 2 R. I. 467, the notice was delivered 
 to an assistant of the postmaster, in a room adjoining the office, such being the usage 
 in that place. Held sufficient, although there was a delay in the transmission there. 
 In Hawkes v. Salter, 4 Bing. 715, 1 Moore & R 750, the holder's clerk, who copied the 
 notice, said that it was put into the post-office, hut could not recollect whether by him- 
 self or by another clerk. Held not sufficient evidence of its being deposited in Uie 
 post-office. 
 
 (;■) Peirce v. Pendar, 5 Met. 352 ; Ireland v. Kip, 10 Jolms. 490, 11 id. 2;il. See 
 Smedes v. Utica Bank, 20 id. 372 ; Cayuga Co. Bunk v. Cennett, 5 Hill, 236; H\slop 
 B. Jones, 3 McLean, 96 ; Shepard ?'. Haley, 1 Conn. 367 ; Manclicster Bank v. Fel- 
 lows, 8 Foster, 302; Green v. Darling, 15 Maine, 141 ; Davis v. Gowen, 19 id. 447; 
 Kramer v. M'Dowell, 8 Watts & S. 138; Haly j). Brown, 5 Penn. State, 178; Bell 
 V. Hagerstown Bank, 7 Gill, 216; Walters i-. Brown, 15 Md. 285; Farmers', &c. 
 Bank v. Butler, 3 Littell, 498; Clay v Oakley, 17 Mart. La. 137; Miranda v. City 
 Bank, 6 La. 740; Porter v. Boyle, 8 id. 170; Manadue c Kitchen, 3 Rob. La. 261 ; 
 Saul V. Brand, I La. Ann. 95 ; Curtis v. State Bank, 6 Blackf. 312 ; Costin v. Ran- 
 kin, 3 Jones, N. Car. 387; Stephenson v. Primrose, 8 Port. Ala. 155; Foster v. 
 McDonald, 3 Ala 34; Brindley v. Barr, 3 Harring. Del. 419; Remington v. Har- 
 rington, 8 Ohio, 507. But where there arc two post-offices in the sainc town, and the 
 notice would be transmitted from the one to the other, in the ordinary course, in order 
 to reach the indorser, such a method of transmission is proper. Ransom v. Mack, 2 
 Hill, 587. See Seneca Co. Bunk v. Neasa, 5 Denio, 329, 3 Comst. 442. S/taw, C. J , 
 Peirce v. Pendar, 5 Met. 352 : The penny-i)Ost might lie used in such case. Sec the 
 c.mcH of Bank of Columbia v. Lawrence, I ]'ct. 578 ; Brindley u. Barr, 3 Harring. Del. 
 419; Curtis v. Stale liuiik, 6 Mlackf 312; Farii\ers', &c. Bank ■. Butler, 3 Litlell, 498;
 
 CH. XII.] MANNER IN WHICH NOTICE SHOULD BE GIVEN. 483 
 
 to one authority, if the party addressed duly receive tlie notice, 
 or if the jury can properly presume from the facts of the case that 
 it was received, the mere manner in which it was sent is wholly 
 
 Gist V. Lybnxnd, 3 Ohio, 307; Louisiana State Bank v. Rowel, 18 Mart. La. .'JOG ; Bell 
 V. Hagerstown Bank, 7 Gill, 216. In Walters v. Brown, 15 Md. 285, it was held, tliat 
 where there vvas a penny-post, the mail niigiit be used as a method of transmission, and 
 that the same rule applied as to the risk in such eases as wlicre the parties resided in 
 different towns- Where the indorser and holder live in different towns, the notice may 
 be deposited in the post-office of the town where the indorser lives. Stamps v. Brown, 
 Walker, 526 ; Gindrat u. Mechanics' Bank, 7 Ala. 324 ; Foster v. McDonald, 8 id. 376, 
 Timms ». Delisle, 5 Blackf 447. Contra, Patrick v. Beazley, 6 How. Miss. 609 ; Hogatt 
 V. Bingaman, 7 id 565 ; M'Crummen »;. M'Crummen, 17 Mart. La. 158. In Greene v. 
 Farley, 20 Ala. 322, it was held, that if the indorser and owner live in the same place, 
 but the note is protested in another by a notary, the latter may still transmit notice to 
 the indorser by mail. Where the parties live in different towns, but use the post-office in 
 the same town, the mail may be used as a place of deposit for the notice. Carson v. 
 Bank of Alabama, 4 Ala. 148; Bank of Columbia v. Lawrence, 1 Pet. 578; Jones v. 
 Lewis, 8 Watts & S. 14 ; Timms v. Delisle, 5 Blackf 447 ; Bell v. State Bank, 7 Blackf. 
 456; Fisher v. State Bank, id. 610 ; Barret v. Evans, 28 Misso. 331 ; Foster v. Sineath, 2 
 Eich. 338. Contra, Laporte v. Landry, 17 Mart. La. 359 ; Louisiana State Bank v. Rowel, 
 18 id. 506; Pritchard v. Scott, 19 id. 491 ; Glenn v. Thistle, 1 Rob. La. 572 ; Harris v. 
 Alexander, 9 id. 151 ; Farmers', &c. Bank v. Butler, 3 LittcU, 498. But these cases are 
 Qow overruled. New Orleans Canal, &c. Co. v. Barrow, 2 La. Ann. 326 ; Hepburn c. 
 Ratliff, id. 331 ; Bird v. McCalop, id 351 ; New Orleans, &c. R. Co. v. Patton, id. 352 ;. 
 Lathrop v. Delee, 8 id. 170; Bank of Louisiana v. Tournillon, 9 id. 132; Bondurant v. 
 Everett, 1 Met. Ky. 658. In Hartford Bank v. Stedman, 3 Conn. 489, a note was dis- 
 counted at the Hartford Bank, and protested at Middletown, at a bank in which place it 
 was payable. The notary in Middletown directed the notice to the indorser, leaving tiie 
 place blank, and enclosed it to the Hartford Bank. The cashier of the latter bank inserted 
 the word " Hartford," the indorser living there, and deposited the notice in the post-office. 
 Held sufficient. So Manchester Bank v. Fellows, 8 Foster, 302 ; Warren v. Oilman, 
 17 Maine, 360; Eagle Bank v. Hathaway, 5 Met. 212. But in Siieldon v. Benliam, 4 
 Hill, 129, the notary protested a note in the place where it was payable, and forwarded 
 notices for all the indorsers residing at a different place to the fourth indorser. He 
 deposited them in the post-office in the place where the indorsers lived. Held insuffi- 
 cient. If a note is payable at a bank in the same place where the indorser lives, notice 
 to him cannot be deposited in the post-office. Bowling v. Harrison, b How. 248; State 
 Bank v. Slaughter, 7 Blackf. 133. But in such case, a usage to deposit notices in the 
 post-office will bind the parties to the note. Chicopee Bank v. Eager, 9 Met. 583 ; Gin- 
 drat V. Mechanics' Bank, 7 Ala. 324. See Bank of U. S. v. Norwood, 1 Harris & J. 
 423; Bell v. Hagerstown Bank, 7 Gill, 216. The usage should be clearly proved. 
 Thus, in Bowling v. Harrison, 6 How. 248, there was a memorandum attached to the 
 note, that " the third indorser, J. P. H., lives at Vicksburg." A usage of the banks 
 in Vicksburg was proved, to the effect that personal notice was served on the indorsers 
 living in that place, unless there was a memorandum on the note or bill designating 
 the place to which the notice was to be sent. It was contended that the jury might be 
 allowed to infer, from the facts of the case, that there was a usage in such cases as the 
 one in suit to deposit notices in the post-office ; but it was held that there was no evi- 
 dence from which a jury would be justified in drawing such inl'erence. But in Wilcox
 
 48-1 NOTES AND BILLS. [CH. XH. 
 
 immaterial. (A') But if sent by mail where both parties live in 
 the same town, it would seem that the sender remains responsi- 
 ble for the due delivery of the notice. Although, however, the 
 general rule may be considered as well settled, yet the decisions 
 of our courts are by no means unanimous with regard to its ap- 
 plication. One class of authorities, which adheres with much 
 strictness to the rule, declares that the true principle by which 
 each case is to be decided is this, — that the post-office is to be 
 used as a means of transmission only, and not a place of de- 
 posit. (/) Other authorities, regretting that the rule was origi- 
 nally adopted, declare that it is too well settled to be overturned, 
 but decide that its operation is not to be extended. The true 
 test would, then, seem to be only the fact whether the holder and 
 the party to whom the notice is to be sent reside in the same 
 town or not.(?n) Originally, perhaps, notice could never be sent 
 through the post-office, and the first relaxation was to allow this 
 method of communication where the parties resided in different 
 towns. (w) We are aware of no good reason for any difference 
 between our law and that of England, except that the~ English 
 law is in that respect very much London law, and in tliat vast 
 city the public arrangements for speedy delivery to everybody give 
 peculiar weight to all the reasons which would induce a resort 
 to the post-office anywhere. In this country, generally at least, 
 a use of the post-office in the same town would imply a delay of 
 a day, which may be avoided by employing a clerk or messenger. 
 It seems to be held in England, and for reasons which would 
 probably be deemed sufficient in this country wherever they were 
 applicable, that if there was a communication across the ocean 
 by regular lines of packets, under steam or canvas, the vessels 
 composing that line might be used, and a liolder might delay a 
 
 I'. M Nutt, 2 How. Miss. 776, it was held that a custom among the notaries of a par- 
 ticuhir city to deposit notice in the post-office for an indorscr could not make the prac- 
 tice lawful. Chan^i^cd in New York hy statute in 18.57. The usage should be certain 
 and clear. Thorn v. Rice, 1.5 Maine, 263. 
 
 (/-) Ilyslop V. Jones, .3 McLean, 96. See Hill v. Crary, id. .582; Fosters. McDon- 
 aid, .5 Ala. .'176 ; Hradley v. Davis, 26 Maine, 45 ; Bank of U. S. v. Corcoran, 2 Pet. 
 121 ; Manrhestcr Hank ». Fellows, 8 Foster, 302; Whitcford ?>. Burckmyer, I Gill, 127. 
 
 (/) liromon, J., Kansom v. Mack, 2 Hill, 587 ; Farmers', &c. Bank v. Battle, 4 
 Humph. 86. 
 
 (m) Slinw, C. J., Eagle Bunk v. IlMlluiway, 5 Met. 212. 
 
 (n) lirouson, J.. Kaiisom v. Mack, 2 Hill, 587.
 
 CH. XII.J MANNER IN WHICH NOTICE SHOULD BE GIVEN. 485 
 
 reasonable time for the next regular ship ; and the fact that a 
 casual ship which might have taken the notice sailed sooner and 
 arrived sooner would not vitiate the notice. (o) If the delay 
 caused in this way were very great, and the probability of this 
 should have been anticipated, as if the holder delayed a fortnight 
 for a regular sailing packet, and a casual but safe steamer de- 
 parted in a day or two, such delay would no doubt be considered 
 unreasonable, and therefore inexcusable. 
 
 The postmark on a letter is prima facie evidence that the 
 letter was deposited in the office on that day, but is open to 
 rebutter. (/>) 
 
 Curious questions have arisen as to the address. If, for in- 
 stance, the sender has no better means of knowing how to 
 address a drawer than by his name as written by himself on 
 the bill, and through an error caused by the indistinctness of 
 the writing the notice does not reach the drawer in season, the 
 drawer is not discharged. ((/) Nor would the indorsers be dis- 
 
 (o) Muilman v. D'Eguino, 2 H. Bl. 565. The head note in Fleming v. M'Clure, 
 I Brev. 428, is, that " where a bill drawn in this country on Europe has been dishon- 
 ored, notice must be sent by the first ship bound to any port of the United States ; and 
 it is not sufficient to send it by the first ship for the port where the drawer and indorser 
 resides." This is neither law nor the decision of the court. All that was decided was 
 this : A bill was drawn in Charleston on London. The notice was not received until 
 four months after the dishonor of the note. The judge left it to the jury to say, from 
 the circumstances of the case, whether the notice might not have been sent earlier, and 
 Raid that '■ it would be doing violence to presumption " to suppose that it might not 
 have been sent before. His charge was held correct. All that the case really decides 
 is, that a party in London cannot wait three months in order to send a notice by ship 
 direct to Charleston, when he may be supposed to have had chances to forward it by 
 vessel to some other port. If the head note correctly states the law, then the holder 
 might be obliged to forward a notice to Portland, by a vessel for New Orleans, although 
 it might be sent to Portland direct by a vessel which sails for the latter place a day or 
 two subsequently to the former vessel. 
 
 (p) Crawford v. Branch Bank, 7 Ala. 205, where it was also held that the postmark 
 was not evidence of itself, but might be proved by the person who stamped it, or by 
 any one in the habit of receiving letters from that office. Sed qimre. See Abbey r. 
 Lill, 5 Bing. 299. But see Woodcock v. Houldsworth, 16 M. & W. 124. In Stocken 
 V. Collins, 9 Car. & P. 653, the postmark of a letter denoted that it was put in on April 
 29, at 10 A. M. A witness stated that it was put in on April 28, before 1 P. M. The 
 judge charged the jury to find for the plaintiff, if they should find the letter to have been 
 leposited at the time the witness stated ; and to find for the defendant, if it was depos- 
 •ted at the time the postmark denoted. The jury found for the plaintiff, and a motion 
 for leave to enter a nonsuit was overruled. 
 
 (q) Hewitt V. Thompson, 1 Moody & R. 543. It will be seen hereafter, that if 
 a person use due diligence to discover the address of a drawer or indorser, and 
 41 *
 
 486 NOTES AND BILLS. [CH. XII. 
 
 olmrgecl, for the case seems to come under the rule of impossibility, 
 as the holder has done all that lie could do. 
 
 Where a notice to an indorser was mailed in London, addressed 
 to "Mr. Haynes, Bristol," Abbott, C. J. ruled that it did not 
 raise the presumption of delivery, and required some proof of tlie 
 reception of the notice by the defendant, on tlie ground that, as 
 the place was very populous, there might be many persons there 
 of the same name.(r) If, however, all the information which the 
 drawer has is given by the signature, and all this information is 
 made use of by the holder, it is certainly evidence from which 
 a jury may infer due notice to him,(A^) or at least that the holder 
 has done all that he could. In this country, a letter in which a 
 notice is sent should be directed to the proper town and State, 
 and an omission as to the latter has been held to invalidate the 
 notice. (^) 
 
 It may be expected that questions will arise on this sul)ject 
 before long, by reason of the recently invented and already gen- 
 erally used magnetic telegraph. We have, however, no knowl- 
 edge of its being used for purposes of this kind, or of any suppo- 
 sition by merchants or lawyers that it is the necessary or proper 
 instrument for giving such notice. We shall not attempt to 
 anticipate either these questions or the answers to them, further 
 than to remark, that if a message were duly sent by telegraph, 
 
 Btill misdirect the letter, the notice will be good. See Siggers v. Brown, 1 Moody 
 & R. 520. 
 
 (r) Walter v. Haynes, Ryan & M. 149. In Jones v. Wardell, 6 Watts & S. 399, a 
 notice in a letter was directed to " Wm. D. Jones, Philadelphia, Pa." Tiie letter was 
 taken out of the post-otRce by another person of the same name with the indorser. 
 The indorser received it after a few days' delay. Held, that tiiis delay did not dis 
 charge him. See Lawrence v. Miller, 16 N. Y. 23.5 ; True v. Collins, 3 Allen, 438. 
 
 (s) In Mann v. Moors, Ryan & M. 249, the drawer dated the bill " Manchester." 
 The fact that a notice was sent, addressed to " Mr. Moors. Manchester," was held cvi- 
 di-nce by which a jury might find that he had received due notice. 'I'he jury found for 
 the plaintiff. The same has been held, where the drawer dated the bill at London. 
 Chirke v. Shari)e, 3 M. & W. 166; Burmester v. Barron, 17 Q. B. 828. In this last 
 ca.se there was evidence that the cirawer never received the notice. The jury found 
 for the plaintiff, and a rule to (inter a nonsuit, on a verdict for the defendant, was 
 refused. It was also held here, that the fact that the resilience of the acceptcn- was 
 Htat(!d in the acceptance, and that iiniiuries might have been made of him by which 
 the n"<i(lenco of tla; (lraw(;r might have been ascertaiiu'd, did not lender the notice 
 insiifli(i(!nt. 
 
 (t) Jicckwitb V. Smith, 22 Maine, 12.5, whore the letter was directed to Calais. It 
 wus proved that there was a Calais, Me. and a Calais, Vt.
 
 CH. XII.J TO WHAT PLACE THE NOTICE SHOULD BE SENT. 487 
 
 and duly delivered, it would no doubt be deemed sufficient ; and 
 if the importance of giving early information of the dishonor of 
 negotiable paper should induce our merchants to aj)ply the tele- 
 graph to this purpose, a usage may grow iip which would gradu- 
 ally acquire the force of law. At present, no such usage is 
 known to exist. A question may arise in other cases of notice 
 as well as in that now under consideration, in which a party who 
 is entitled to the earliest information of an important fact, from 
 a delay in giving this information suffers actual damage ; and this 
 may cause an inquiry whether the informing party discharged 
 the whole of his duty. And if he made use of the mail, wliich 
 required a delay of many days, when a means of telegraphic com- 
 munication was open to him for which as many minutes sufficed, 
 and one which is found to be reasonably safe and trustworthy, 
 and which does not at all interfere with a resort to the mail also, 
 the question may arise whether it was not his duty to make use 
 of this more rapid means, or, on the other liand, whether it would 
 not be competent for him to say, that he had no confidence in 
 new things, but preferred " ire per antiquas vias."'' But this 
 question must depend lor its answer in each case upon its pecu- 
 liar circumstances and merits, as well as upon the usages which 
 may grow up. 
 
 SECTION III. 
 
 TO WHAT PLACE THE NOTICE SHOULD BE SENT. 
 
 The place of business, if the notice is sent by a clerk or mes- 
 senger, is the proper place as well as the usual one ; (m) and it has 
 
 (u) There seems to be some uncertainty as to the proper statement of the rule. 
 Thus, in the following cases it is laid down that, where the parties live in the same 
 place, notice must be served personally, or at the indorser's residence, or at his place 
 of business. Bank of Columbia v. Lawrence, 1 Pet. .'578, 583 ; Williams v. Bank of 
 U. S., 2 id. 96, 101 ; Hyslop v. Jones, 3 McLean, 96 ; Eagle Bank t. Hathaway, 5 
 Met. 212; Peirce v. Pendar, id. 352; Ireland v. Kip, 11 Johns. 231 ; Green v. Dar- 
 ling, 15 Maine, 139; Kramer v. M'Dowell, 8 Watts & S. 138; Haly ?». Brown, 5 
 Penn. State, 178; Brindley v. Barr, 3 Harring. Del. 419; Curtis v. State Bank, 6 
 Blackt. 312 ; Stephenson v. Primrose, 8 Port. Ala. 155 ; Phillips v. Alderson, 5 Humph. 
 403 ; Wilcox i; M'Nutt, 2 How. Miss. 776 ; Manadiie v. Kitchen, 3 Rob. La. 261 ; 
 Saul V. Brand, 1 La. Ann. 95. In the following cases it is said that the notice should be 
 served personally, or at the indorser's residence. U. S. v. Barker, 4 Wash. C. C. 464,
 
 488 NOTES AND BILLS. ( CH. XIL 
 
 even been said, that it is the duty of the person notified to have 
 some one to attend to such matters at his place of business ; (v) 
 and therefore, if notice is sent in that way, and no person is 
 found at the place of business, it is a sufficient notice. (i^) But 
 this may be doubted ; and we should not think it always safe 
 to rely upon such notice. Even demand may be made, as we 
 
 470 ; Ireland u. Kip, 10 Johns. 490 ; Sinedes v. Utica Bank, 20 id. 372, 392. So ia 
 Commercial Bank y. Strong, 28 Vt. 316, Redjield, C. J. said: "The general course 
 of decision is, certainly, that notice to the indorser must be sent to the place of his resi- 
 dence, unless he is shown to have his place of business elsewhere." In Shepard v. Hall, 
 1 Conn. 329, Swifl, C. J. said: " Where the parties live in the same town, personal 
 notice of the non-payment of bills and notes must be given." A personal notice is 
 good wherever it may be served. Hyslop v. Jones, 3 McLean, 96. In Van Vechten v. 
 Pruvn, 3 Kern. .549, 5.52, Comstock, J. said that the true rule was, that " when the ser- 
 vice is not by mail, notice may be left indifferently at the indorser's dwelling or place 
 of business." In this case the indorser and holder lived in the same town. The in- 
 dorser spent three days in the week there, and the remaining four in the city of New 
 York, where he transacted his business and usually received his papers and letters 
 Held, that a notice sent by mail to the latter place was insufficient, without proof that 
 the notice was received. Sed qimre. 
 
 [v] Lord EUenburongh, Crosse v. Smith, 1 Maule & S. 545; Lord Eldon, in Gold- 
 smith V. Bland, cited id. 554, left it with the jury to say whether the indorser should 
 have a person there. In Granite Bank v Ayers, 16 Pick. 392, Shaw, C. J. said : " Now 
 though a man is out of town, yet if he has a domicil or place of business, it is to be pre- 
 sumed that he will leave some person charged with the care of his business, or at least 
 some one between whom and himself there is a privity or confidence. It is upon this 
 principle that all notices at one's domicil, and all notices respecting transactions of a 
 commercial nature at one's known place of business, are deemed, in law, to be good 
 constructive notice, and to have the legal effect of actual notice." So in Jones v. 
 Mansker, 15 La. 51, 54, Morphy, J. said : If the indorser has left no one there to at- 
 tend to his affairs, it is his loss, and the holder of the note or bill has done his duty, 
 and all that the law demands of him. Notice left with a clerk at the indorser's office, 
 ill the absence of the latter, is sufficient. Edson v. Jacobs, 14 La. 494; Jones v. 
 Mansker, 15 id. 51 ; Commercial Bank v. Gove, id. 113. 
 
 (w) Crosse v. Smith, 1 Maule & S. 545 ; Goldsmith ;;. Bland, id. 554 ; Bancroft v. Hall, 
 Holt, N. P. 476 ; State Bank v. Ilennen, 16 Mart. La. 226 ; Miller v. Henneii, 15 id. 
 587. Sec Granite Bank v. Ayers, 16 Pick. 392. See Allen v. Edmundson, 2 Exch. 719, 
 where it was held that the fact that the counting-room of the indorser was closed should 
 have been pleaded as a (li.-<pcnsation of notice, and that it did not support an allegation 
 of due notice. Notice left with a clerk at the indorser's place of business, in the ab- 
 Hcnccof the latter, is sufficient. Edson v. Jacobs, 14 La. 494 ; Jones v. Mansker, 15 id. 
 51 ; Commercial Bank v. Gove, id. 113. So notice left at the indorser's store, there 
 being no proof as to the person with whom it was left, is sufficient. Bank of Louisiana 
 v. Mansker, i<l. 115. Notice left with a black man at the indorser's office is sufficient. 
 Bank of U. S. v. Merle, 2 Bob. La. 117. Notice left at the indorser's counting-room, 
 with a person who declared hims(!lf to be the indorser's agent, is sufficient, and proof 
 that th<! person with whom it was left was not an agent of the indorser is irrelevant, 
 the ry^itice having iieen left at liu: right place. Jacobs v. Town, 2 La. Ann. 964- A
 
 CH. XII.] TO WHAT PLACE THE NOTICE SHOULD BE SENT. 489 
 
 have seen, (a;) at the residence of a payor, although it can- 
 not be supposed to be usual, in the course of business, for 
 a maker or acceptor to keep his funds or his books at his 
 house. No such objection, nor any other, lies against giving 
 notice of dishonor at one's residence ; and this we think sliould 
 be done, if no one is found at the place of business, (y) Bat 
 
 notary's certificate of notice to an indorser by " a letter delivered to his har-kecjier, he 
 not being in, is insufficient, because it does not mention the place of delivery ; but tiie 
 defect may be cured by evidence. Saul v. Brand, 1 La. Ann. 95. Notice left with a 
 mate on board a brig commanded by an indorser is enough. Austin v. Latham, 19 La. 
 88. In Ogden v. Cowley, 2 Johns. 274, the notary called at the house of an indorser, 
 and finding it shut, on inquiry learned that he had gone out of town. The yellow 
 fever was prevailing there to some extent The notary deposited the notice in the post- 
 office. Held sufficient. A notice left at the office of the indorser, with a person there, 
 was held sufficient Lord v. Appleton, 15 Maine, 270, where it is also said that, if it 
 had been simply left there, in the absence of any person to receive it, it would have 
 been sufficient. In Miles v Hall, 12 Smedes & M. 332, the notary went to the bed-side 
 of the indorser, wlio was sick, with the notice, and said he had protested a note, but 
 could not say that the indorser heard him. He then left the notice on the mantel- 
 piece. Held sufficient. 
 
 {x) Supra, p. 422, note m. So a notice left at the dwelling-house of an indorser is 
 Bufficient. Franklin z;. Verbois, 6 La. 727 ; Coulon ?;. Champlin, 15 id. 544. A notary's 
 certificate that he left the notice at the domicil of the indorser is sufficient, as it is 
 nnnccessary to show a delivery to any one there, or that he simply left it, as either 
 is enough. Manadue v. Kitchen, 3 Rob. La. 261. Notice delivered to a black man, 
 who seemed to be a servant of the indorser's family, standing before the indorser's 
 house early in the morning, before the door was opened, and who said that the family 
 were not up, was held insufficient, defendant proving that the black man was not con- 
 nected in any way with the family. Dufour v. Morse, 9 La. 333. 
 
 (_(/) But in Crosse v. Smith, 1 Maule & S. 545, it appeared that the drawer, to whose 
 counting-room a person was sent to give notice of the dishonor of the bill, resided but a 
 short distance from the counting-room ; and in the other cases cited supra, note w, no 
 mention is made of any demand at the residence, or any suggestion of its necessity or 
 propriety. In Bank of Columbia v. Lawrence, 1 Pet. 578, it was held, that the fact that 
 an indorser occupied a room in another's house for settling up his former business, and 
 where he kept his books of account, and his newspapers and foreign letters were left, 
 did not make this his "place of business." In Stephenson v. Primrose, 8 Port. Ala 155, 
 it was held, that a room where a man is accustomed to resort, but where he is not 
 shown to carry on any regular trade or employment, is not his place of business In 
 Commercial Bank v. Strong, 28 Vt. 316, it was held, that the office of a railroad cor- 
 poration of which the indorser was president was not his place of b^isiness. A notice 
 left at the post-office of which the party notified was postmaster was held sufficient. 
 Cook V. Renick, 19 111. 598. In Granite Bank v. Avers, 16 Pick. 392, a notice was 
 left on the counter of the shop of a stranger, who told the notary that the indorser's 
 place of business was behind the shop, that the indorser was absent from town, and 
 promised to give him the notice when he returned. It seems that this was insufficient. 
 In Chouteau v. Webster, 6 Met. 1, the notice was sent to Washington to the defendant, 
 « Senator in Congress. Held sufficient, although his permanent place of residence was
 
 490 NOTES AND BILLS. [CII. XII. 
 
 it may, perliaps, be sent to either, if both are in the same to\vn.(2;) 
 And it may be to the party's actual residence, although that is not 
 his domicile. (ss) 
 
 Here, as in the case of demand, the holder must do what he 
 can, but is excused by an impossibility. If he does not know 
 where the indorser lives, but can acquaint himself with it by rea- 
 sonable endeavors, he must do so. (a) Thus it is not enough to 
 
 elsewhere, and although he had an agent who had charge of his business matters in 
 another place. So also Tunstall v. Walker, 2 Smedes & M. 638, overruling 3 How. 
 Miss. 259. In Marr v. Johnson, 9 Yerg. 1, notice sent to the residence of a member of 
 Congress, who was in Washington at the time, was held sufficient. In Hill v Norvell, 
 3 McLean, ^S3. a notice to an indorser, a member of the Senate or House of Repre- 
 sentatives in Washington, left at the post-office of the Senate or House, Congress then 
 being in session, was held insufficient. In Bank of U. S. v. Lane, 3 Hawks. 453, the 
 notice was sent to the shire town. The indorser was high sheriff of the county, and at 
 the time was in attendance at the court. Held sufficient, although not sent to the place 
 where he lived, or to his usual post-office. 
 
 (z) Williams ?;. Bank of U. S.. 2 Pet. 96, 101. So where they are in different towns. 
 Bank of Geneva v. Howlett, 4 Wend 328; Downer v. Remer, 21 id. 10. A note 
 was payable at a bank in the town of A., where the indorser got his letters. The 
 notice was sent to an adjoining town, where he lived. Held sufficient, it not appear- 
 ing that the party sending the notice knew that the indorser usually received his 
 letters at A. Seneca Co. Bank v. Neass, 3 Comst. 442, 5 Denio, 329. Where an 
 indorser lived in one village, and occasionally got his letters there, but transacted 
 his business in another town, where he received most of his letters, a notice sent to 
 the latter place was held sufficient. Montgomery Co. Bank y. Marsh, 3 Seld. 481. 
 In Runyon v. Mountfort, Busbee, 371, the indorser had lived in Onslow. Somo 
 years before the maturity of the bill, he purchased a house and lot in Newbern, and 
 afterwards lived in the former place from October till June, and in the latter the 
 rest of the year. His letters were received in Onslow. The notice was sent to New- 
 bern in April. Held, that Newbern was not the proper place to which the notice 
 should he sent But in Stewart v. Eden, 2 Caines, 121, where the indorser resided 
 part of tlie year in New York, and spent the summer in the countrj', a few miles from 
 that city, a notice ])ut into tlie keyhole of the door of the house in New York was held 
 sufficient. And in Exeliaiige, &c. Co. v. Boyce, 3 Rob. La. 307, it was held, that where 
 a person lives part of the year in one jdace and part in another, notice may be sent to 
 either. Wiiere the indorser has two or more places of business in the same town, the 
 holder may send the notice to either. I'hillips r. Aldcrson, .5 Humj)]i. 403; Rcdjidd, 
 C. J., Commercial Bank v. Strong, 28 Vt. 316, 320. 
 
 (zz) Young V. Durgin. 15 (Jray, 264. See aide, p. 372. 
 
 (fi) Harris v. Hobinson, 4 ]UnY. 336; Burmcstcr ii. Barron, 17 (l- H. 828; Lamhert 
 V. Oliiseiin, •) How. 552; Chapcott v. (^urlewis, 2 Moody & R. 484; Carroll v. Upton, 
 3 Comst. 272, 2 Sandf. 171 ; Hawdon v. Redliehl, 2 Sandf. 178; Sjjcncer v. Bank of 
 Saiiiui, :» Hill, 520; Bank of Ttica »;. Do Mott, 13 Johns. 432; Hank of Utica ?.'. Ben- 
 der, 21 Wend. 643; Beiden v. IvmuiIi, 17 Couu. 441 ; Hill v. Varrcll, 3 Greenl. 233; 
 Ilaly V. IJrowii, 5 rcnn. State, 178; Smith v. Fisher, 24 id. 222 ; Runyon ?;. Montfort, 
 Busbee, 371 ; Nichol v. IJnte, 7 Yerg. 305; M'Murtrie v. Jones, 3 Wash. C. C. 206. As 
 to what constitutes due diligence, it is extrenudy difficult, if not impossible, to lay down 
 any general rules iipplicalile to all cases, inasmuch as each one is (lei)(Mident to a great 
 degree on its own special circiMnstaiices. In K'awdoii v. Redlield, 2 Sandf. 178, the
 
 CH XII.] TO WHAT PLACE THE NOTICE SHOULI BE SENT. 491 
 
 address notice by mail to a drawer, at the place where the bill is 
 drawn, without some inquiry, if any is practicable, to ascertain 
 
 general doctrine is laid down, that if the notary inquire of persons who, from their 
 connection with the transaction, are likely to know where the indorser resides, and are 
 not interested to mislead tiie notary, and he acts on information thus obtained, it is ex- 
 ercising due diligence. In the case itself, the inquiries were made of tiie acceptor and 
 holder, and were considered sufficient. In Harris v. Robinson, 4 How. 336, it was held 
 that tliere was no absolute obligation incumbent on the notary to inquire of tlie holder 
 of the note where the indorser lived. McLean, J. dissenting, on the ground tliat, if such 
 were the law, a holder who is presumed to know where the indorser resides niigiit evade 
 the law with respect to demand and notice by employing an agent who does not possess 
 such knowledge. " It is a new principle in the law of agency, that the knowledge of the 
 principal shall not affect him, provided he can employ an agent who has no knowledge 
 of the subject." The circumstances of the case showed, in the of)inion of McLean, J., that 
 the holder knew where the indorser resided. In Smith v. Fisher, 24 Penn. State, 222, 
 Haly V. Brown, 5 id. 178, the notices were held insufficient, principally because the 
 holder and owner had not given any information to the notary as to the place where the 
 indorser lived. So in Hill v. Varrell, 3 Greenl. 233, it is held that inquiry should be made 
 of the parties to the note ; the only inquiry made was of one indorser, and the notice was 
 held insufficient. And in Lawrence v. Miller, 16 N. Y. 235, it was held that the holder is 
 presumed in law to know where his immediate indorser lives, and is bound to communi- 
 cate his information to any agent employed to give notice ; and where tliis had not been 
 done, and the notary left the notice at the place of business of a stranger of the same 
 name with the indorser, the latter was discharged. In Preston v. Daysson, 7 La. 
 714, Ballard, J. said: "It is true the holder of the paper ought not to avail himself of 
 the ignorance of the notary as to the residence of the indorser, but there is no evidence 
 to show that the holder knew where she resided." In this case the notary certified that 
 he had used due diligence. The evidence was, that he sent his clerk to the store of the 
 drawer, and of the payee and indorser, and could not obtain any information. The 
 indorser received notice some days after the maturity of the note, and was held. In 
 Fitler v. Morris, 6 Whart. 406. the holder knew where the drawers lived, but the notary 
 who sent the notice did not. The notice went to the wrong place, and the drawers 
 were dist'harged. See Paterson Bank v. Butler, 7 Halst. 268. In Laml)ert v. Ghise- 
 lin, 9 How. .552, the inquiries were made of a person trading at a particular ])lace, who 
 said that the indorser lived in the same place with him. Held sufficient. It was 
 also held, that if due diligence was used in sending the notice, it was not necessary 
 to send a further one, if the holder should subsequently find out the actual residence 
 of the indorser, and that it was at a different place from the one to which the first 
 notice had been sent. In Chapman v. Lipscombe, 1 Johns. 294, a bill was dated at, 
 and accepted in, New York. Inquiries were made at the banks of that place, and 
 froiTi information thus acquired notice was sent, though to the wrong place. Held 
 sufficient. In Bank of Utica v. De Mott, 13 Joims. 432, the book-keeper of the 
 bank where the note was inquired of the cashier and directors, and of others whom 
 he supposed likely to know. The notice was sent to the wrong place. The indorser 
 had lived more than ten years previously at his place of residence. Held insufficient. 
 In Bank of Utica v. Bender, 21 Wend. 643, inquiry of the drawer for the residence 
 of his accommodation indorser, and acting on information so acquired, was held suffi- 
 cient, though the notice was sent to the wrong place. So in Ransom v. Mack, 2 Hill, 
 587, where the inquiry was made of the second indorser. In Spencer v. Bank of Salina, 
 3 id. o20, the noiary testified that he inquired of several persons in a bar-room of a hotel,
 
 492 NOTES AND BILLS. [CH. XH 
 
 vrhetln^r the drawer lives tliere.(6) But if he can learn no more, 
 
 And of other persons whom he met in the street, and at the post-office. Held, that due 
 diligence had not been used. Branson, J. said that he ought to have gone among busi- 
 ness men. " If he had been told by some credible person who would be likely to Icnow 
 the fact, he might have acted upon that information without jjushing his inquiries fur- 
 ther. But until some one is found who professes to be able to give the required infor- 
 mation, it will not do to stop short of a thorough inquiry at places of public resort and 
 among such persons as would be most likely to know the residence of the indorser." 
 In Belden v. Lamb, 17 Conn. 441, the cashier of a bank where a note was payable 
 went out of the bank the day the note matured to find where the indorser lived, and on 
 his return directed the notice to be sent to Chicopee. The note was payable at another 
 bank near by, and the indorser had received notices within a few months previous from 
 that bank and from others in the same place. The holder of the note did not know 
 where the indorser lived. Held sufficient evidence from which a jury might infer that 
 proper inquiries had been made at the other banks, and that due diligence had been 
 used. Williams, C. J. and Storrs, J. dissenting. Inquiry by the notary of the officers 
 of a bank where the note was to be discounted was held not to be using due diligence, in 
 Stuckert v. Anderson, 3 Whart. 11. In Sturges v. Derrick, Wightw. 76, the l)older 
 inquired of the maker's son where the indorser lived, and could get no information. 
 Held, due diligence. But in Beveridge v. Burgis, 3 Camp. 262, Lord Ellenborouyh non- 
 suited the plaintiff in a case where the only inquiries made were at the place where 
 the acceptance was payable. Where no inquiry is made of the maker or his syndic, or 
 of a person of the same surname with the indorser, but the initial letter of whose first 
 name is differently printed in the city directory, sufficient diligence is not used. Vance 
 V. Depass, 2 La. Ann. 16. Where an indorser, formerly a shipping-master, iiad kept no 
 office for some years, though still engaged in business, and, his name not being found in 
 the directory, the notary went to that quarter of the city where his office had been, and 
 inquired at a shipping-office, the clerk of which said that the indorser formerly stayed 
 there, but had left, and it was not known where he had gone; and the notary, after in- 
 quiring at the sailor boarding-houses in the neigidiorliood and elsewhere without success, 
 deposited the notice in the post-office of the city where the indorser resided, it was held 
 Bufficient Peet v. Zanders, 6 La. Ann. 364. In Brighton Market Bank v. Philbrick, 
 40 N. H. 506, where the holder of a dishonored note, not knowing the residence or 
 business address of the indorser, went to the princif)al hotel in the village where the 
 indorser was accustomed to do business, — tiiat at which men of the same occupation as 
 the indorser usually stopped, — to the keepers of which the indorser was well known, 
 and from the direction of wliich the holder had noticed the indorser coming to his own 
 place of business, and upon inquiring tiicre, was distinctly informed that the indorser 
 resided in a particular town, whereupon he, in good faith, seasonably forwarded notice 
 of the dishonor to the indorser at that town, it was held tiiat he had exercised duo 
 diligence. 
 
 (h) The law is so stated in the following cases ; but in all it appeared that the drawer 
 lived in a dilferent place from that to which the notice was sent. Carroll v. Upton, 3 
 Coinst. 272 ; Lowery v. Scott, 24 Wend. 3.')8 ; Foard v. Johnson, 2 Ala. 56.5 ; Hill v. 
 Varrell, 3 Cireenl. 233 ; Barnwell v. Mitchell, 3 Conn. 101, where it also appeared that 
 no incjuiry had l)eeii made of the acceptor, who knew where the drawer lived ; Fishery 
 Kvuns, 5 IJinn. 541, but in this case no notice was sent. In Tierce v. Strulhers, 27 
 I'enn. tState, 249, an opinion was expressed, to the effect that sending the notice to the 
 drawer at the place where the bill was dated was /iriiiin facie sufficient; and if it should 
 be shown that he lived elscwlii'n-, tlicii dui' diligence to ascertain his jilacc of rc.-idciico
 
 CH. XII.] TO WHAT PLACE THE NOTICE SHOULD BE SENT. 493 
 
 a letter should be so seiit.(c) Or if the party to be notified is 
 travelling, or is absent from home for any reason, and his present 
 address is known to the holder, or if his absence from home is 
 known, and the holder has any means of learning his address, or 
 of ascertaining whom he has left bcliind to attend to his business, 
 it might perhaps be his duty (but we cannot say this on autlior- 
 ity) to send notice accordingly. But if a party leaves home 
 without taking usual and proper precautions to facilitate sending 
 business communications to him, undoubtedly this is his fault, 
 and he can relieve himself from no responsibility by such fault, 
 and will be held to all parties as if duly notified, provided due 
 efforts were made.(<i) If one about to be absent directs that 
 
 should be used. In Robinson v. Hamilton, 4 Stew. & P. 91, the same appears to have 
 been held. See also Dickins v. Beal, 10 Pet. .572. But this would not probably apply 
 to the case of an indorser, because it is difficult to see how there can be any presump- 
 tion that he lived where the note or bill is made or drawn. Denny v. Palmer, 5 Ired. 
 610; Runyon v. Montfort, Busbee, 371 ; Branch Bank v. Peirce, 3 Ala. 321 ; Spen- 
 cer V. Bank of Salina, 3 Hill, 520. In Wood v. Corl, 4 Met 203, the note was dated 
 at Buffalo. Notice was sent to the indorser at that place, and the notary testified that 
 it was reported that he lived there. The defendant, the indorser, contended that the 
 plaintifl' should be required to prove, either that he lived there, or that due diligence 
 had been used. But the court held the evidence sufficient. In Page v. Prentice, 
 .5 B. Mon. 7, a bill was dated at Louisville, and notice to the indorser was sent there. 
 Process had been served upon him in the county in which Louisville is situated. Held 
 sufficient, in the absence of proof that he resided elsewhere. In Moodie v. Morrall. 3 
 Const. R. 367, the note was made and payable in Charleston. The maker lived there," 
 and the indorser, when there, resided in the same house. Payment was demanded of the 
 indorser's wife, who said that both were absent, and a notice was left there for the in- 
 dorser. Held sufficient to charge him. In Sasscer v. Whitely, 10 Md. 98, Le Grand, C.J. 
 said : " In the absence of knowledge of the holder, to be shown in proof, the place of 
 the date of the note is to be taken as the place of residence of the maker and indorser." 
 If the holder does not know where the indorser lives, and cannot ascertain it by due 
 diligence, it will be sufficient to send the notice to the place where the note or bill is 
 dated. Godley v. Goodloe, 6 Smedes & M. 255 ; Branch Bank v. Peirce, 3 Ala. 321 ; 
 Bank of Utica v. Davidson, 5 Wend. 587 ; Sasscer v. Whitely, 10 Md. 98. 
 
 (c) See the cases cited supra, note b. It may be doubted, however, whether this is 
 necessary, since where the place of residence cannot be ascertaine<l, after due diligence 
 has been used, no notice at all is necessary. Baldwin, J., Dickins v. Beal, 10 Pet. 572, 
 580; Hoopes v. Newman, 2 Smedes & M. 71, 79; M'Lanahan v. Brandon, 13 Mart. 
 La. 321 ; Robinson v. Hamilton, 4 Stew. & P. 91. But in Phipps v Chase, 6 Met. 
 191, Shaw, C. J. said, that if the actual place of residence of a party could not be as- 
 certained, notice should be given at his last place of abode. 
 
 (d) Where the holder is temporarily absent, notice should be left at his last place of 
 abode or of business. Curtis v. State Bank, 6 Blackf 312; Wilco.x v. M'Nutt, 2 
 How. Miss. 776 ; Moodie v. Morrall, 3 Const. R. 367, supra, note b. Notice left wit\i the 
 wife of the indorser, in his absence, is sufficient. Blakely v. Grant, 6 Mass 386 ; 
 Fisher v. Evans, 5 Binn. 542 ; Cromwell v. Hynson, 2 Esp. 511 ; Housego y. Cowne, 2 
 
 VOL. I. 42
 
 494 NOTES AND BILLS. [CH. XIL 
 
 notice should be sent to liiai at a certain distant place, notice so 
 sent to him, and from him to prior parties, will bind both him 
 and the prior parties, although it would have reached him and 
 
 M. &. W. 348. Notice left with a fellow-boarder, at a private boarding-house where 
 the indorser lodged, in his absence, is sufficient. Bank of U. S. v. Hatch, 6 Pet. 250, 1 
 McLean, 90 ; M'Murtrie v. Jones, 3 Wash. C. C. 206. In Ashley v. Gunton, l.'j Ark. 
 415, the notary left the notice at the hotel where the indorser resided, addressed to him. 
 It did not appear whether the indorser was at the hotel at the time, or the notary in- 
 quired for him, or left the notice with any jDCrson for him. Held insufficient. So in 
 Rives V. Parmley, 18 Ahx. 256, Coster v. Thomason, 19 id. 717, where the only testi- 
 mony was the notary's certificate that the notices were left at the office of the indorser. 
 But Curry v. Bank of Mobile, 8 Port. Ala. 360, seems contra. In Bradley v. Davis, 
 26 Maine, 45, the notice was left with the bar-keeper of a hotel, for a guest. It was 
 testified that letters so left were put into an urn, and sent up to the guests' rooms 
 within a short time after their reception. The court thought this sufficient. So Dana 
 V. Kemble, 19 Pick. 112. In Howe v. Bradley, 19 Maine, 31, the indorser occupied a 
 room in a. public house. The notary went to the house, and learning that he was 
 absent, left a notice at the door for him. It was proved that his room was locked. 
 Held sufficient. See Lord v. Appleton, 15 Maine, 270 ; supra, p. 489, note u\ In' 
 McClain v. Waters, 9 Dana, 55, it was held, that when the indorser or drawer is a 
 transitory person, without any fi.Kcd place of residence, notice may be sent directed to 
 the place where he usually resorts. In Tunstall o. Walker, 2 Smedes & M. 638, it is 
 said that no notice at all is necessary in such case. In case of a permanent removal 
 between the making and maturity of a note, it is laid down in some cases that the 
 holder must use reasonable efforts to ascertain the new place of residence, and give 
 notice there. Phipps v. Chase, 6 Met. 491 ; Barker v. Clark, 20 Maine, 156. But in 
 others the doctrine is held, that the presumption is that the indorser continues to 
 'reside where he did when he indorsed the note, and that a notice sent there is suffi- 
 cient, unless the holder knew, or ought to have known, of his removal. Bank of 
 Utica V. Phillips, 3 Wend. 408, where Marcy, J. said : " It appears to me that the 
 question of diligence caimot arise except in cases where the party knows, or ought 
 to know, that there is occasion for its exercise. Ought the holders of this note, when 
 it fell due, to have known that between its discount and maturity the indorser had 
 changed his residence ? They had no reason to expect such an event, and of course 
 no considerations of diligence could have prompted them to institute any inquiry in 
 relation to it. Where the place of an indorser's residence is established at the time 
 when a note, having the usual time of l)ankable paper to run, is discounted, and is at 
 Buch a distance from the place of payment as to repel the presumption tliat a removal, 
 in case it happens before the note falls due, would come to the knowledge of tiie holders, 
 and no actual knowledge is brought home to them, a notice of demand and non-payment 
 directed to such place of residence is sufficient, although the indorsee has, in fact, in 
 the mean time become a resident of another place." The same was held in Harris v. 
 Mcmjihis Bunk, 4 Humph. 519. In Farmers', &c. Bank v. Harris, 2 Humph 311, the 
 judge charged the jury, iliat where the places of residence of the holder and indorser 
 were near to each other, and coninuuiicatiou frequcTit, the holder would, in legal con- 
 templation, be presumed to know of the removal. Held incorrect, as it is a matter of 
 fact and not of law. In Planters' Hank /•. Bradford, 4 Humph. 39, where the removal 
 WHH made under circumstances of particular notoriety, I he notice sent to the formej 
 place of residence was held insullicicnt. In Winaiis y. Davis, 3 Han ison, 276, there
 
 CH, Xir.] TO WHAT PLACE THE NOTICE SHOULD BE SENT. 495 
 
 them much sooner if sent to his residence. (e) Where the place is 
 mentioned in the indorsement, notice sent there is sufficient ;(ee) 
 and if the street and number are added, the notice should be so 
 addressed. (e/*) And if a foreigner in going away tells the holder 
 where he is going, his absence is no excuse for non-notice, because 
 it should be sent to the place he pointed out.(/) If a drawer or 
 indorser hold himself out to the public as a resident of any town, 
 and thereby deceive the holder, inducing him to send the notice 
 there, the notice so sent will be binding, although the indorser live 
 elsewhere. ((/) In such case he would be estopped from denying the 
 validity of the notice on the ground that it was sent to the wrong 
 place. 
 
 The general rule applicable to all cases is, that the party 
 should send the notice to that place where it would most proba- 
 bly find the party to be notified most promptly, either in fact or 
 according to the best information he possessed or could obtain 
 by the reasonable use of such means as were within his power.(A) 
 
 were inquiries made by the holder which would have justified him in sending the notice 
 to the former place. So in Bank of Utica v. Davidson, 5 "VVend. 587. In Dun lap v. 
 Thomps<in, 5 Yerg. 67, notice sent to the place from which the indorser had removed 
 was held sufficient. So also Hunt v. Fish, 4 Barb. 324; McGrew v. Toulmin, 2 Stew. 
 
 6 P. 428, 436. 
 
 (e) Shelton v. Braithwaite, 8 M. & W. 252. 
 
 (ee) Morris v. Husson, 4 Sandf. 93 ; Carter v. Union Bank, 7 Humph. 548 ; Far- 
 mers', &c. Bank v. Battle, 4 id. 86; Baker v. Morris, 25 Barb. 138. In the last case the 
 indorser wrote after his name the words, "Auburn P. 0." Held, that a notice deposited 
 there was good, althougli all the parties lived in the same town. So notices may be sent 
 to any jihue where the indorser directs them to be left, although he may have a place 
 of residence or of business elsewhere. Eastern Bank v. Brown, 17 Maine, 356. See 
 Bank of U. S. v. Corcoran, 2 Pet. 121, 131. Although there may be post-offices nearer 
 to the place where he lives. Crowley v. Barry, 4 Gill, 194 ; Bell v. Hagerstown Bank, 
 
 7 id. 216; Bank of Columbia v. Magruder, 6 Harris & J. 172; Cormena «. Bank of 
 Louisiana, 1 La. Ann. 369. 
 
 (ef) Bartlett v. Robinson, 9 Bosw. 305. 
 (/) See Hodges v. Gait, 8 Pick. 251. 
 
 ((/) Lewiston Falls Bank v. Leonard, 43 Maine, 144. In this case the indorser was 
 the president of a bank in Hallowell, from some time prior to making ttie note till 
 after its maturity, but his actual place of residence was in New York. By a statute of 
 Maine, no one but a resident of that State was eligible to the office of director of a 
 bank. The indorser had a box in the post-office in Hallowell, and his daughter was in 
 the habit of taking his letters and forwarding them to him. She testified to having 
 received the notice in question, but said she never sent it to her father. The indorser 
 was held. 
 
 (A) In Chouteau v. Webster, 6 Met. 1, 7, Sliaiv, C. J. said: "It is conformable to 
 the more general rule, sustained by many authorities, that notice shall be so given, and 
 at such ]ilace, that it will be most likely to reach the indorser promptly. Bank of Co- 
 lumbia ri. Lawrence, 1 Pet. 578 ; Bank of U. S. v. Carneal, 2 id. 543." For the incptiries 
 which should be made, see the cases cited mqjro^ p. 490, note a. In Bank of Utica v. 
 Bender, 21 Wend. 643, the bill was dated at C, and under the defendant's name as
 
 496 NOTES AND BILLS. [CH. XH. 
 
 If it be sent where the drawer did actually reside, his absence 
 from home or his removal does not vitiate the notice, unless such 
 removal was known, or should have been known, to the sender. (t) 
 
 If it actually reaches the party to be notified in due season, it 
 is altogether immaterial to what place it was sent.(j) 
 
 We have already seen (A;) that, in cases where the mail may 
 legally be used for the purpose of transmitting notices of dishonor, 
 the sender is not responsible for any failure in their transmission. 
 Consequently, under such circumstances, putting a notice to an 
 indorser or a drawer in the post-office, properly directed to him 
 at the place where he lives, is considered generally as using due 
 diligence. (^) Where there are two or more post-offices in the 
 
 indorser was written " C," and notice was sent to the defendant bj' mail to C. 
 Bronson, J. said : " It is not absolutely necessary that notice should be brought home 
 to the indorser, nor even that it should be directed to the place of his residence. It is 
 enough that the holder of a bill makes diligent inquiry for the indorser, and acts upon 
 the best information he is able to procure. If after doing so the notice fail to 
 reach the indorser, the misfortune falls on him, not on the holder. There must be 
 ordinary or reasonable diligence, such as men of business usually exercise when their 
 interest depends upon obtaining correct information. The holder must act in good 
 faith, and not give credit to doubtful intelligence, when better could have been ob- 
 tained The case then comes to this. The plaintiffs applied for information to a 
 
 man worthy of belief, and who was likely to know where the indorser lived. They re- 
 ceived such an answer as left no reasonable ground for doubt that C. was the place to 
 which the notice should be sent. I tiiink they were not bound to push the inquiry further. 
 Men of business usually act upon such information. They buy and sell, and do other 
 things affecting their interest, upon the credit which they give to the declarations of a 
 gingle individual concerning a particular fact of this kind within his knowledge. This 
 is matter of common experience. Ordinary diligence in a case like this can mean no 
 more than that the inquiry shall be pursued until it is satisfactorily answered. This is 
 the only practical rule. If the holder of a bill is required to go further, it is impossible 
 to say where he can safely stop. Would it be enough to inquire of two, three, or four 
 individuals, or must he seek intelligence from every man in the place likely to know 
 anything about the matter ? It would be difficult, if not impossible, to answer this 
 question." 
 
 ((■) Snpin, p. 493, note d. 
 
 (/) Bradley v. Davis, 26 Maine, 45. Sec Dana v. Kemble, 19 Pick. 112; Wnsh- 
 wfjton, J., Bank of U. S. v. Corcoran, 2 Pet. 121, 132. In Wharton v. Wright, 1 Car. 
 & K. 585, the bill was dated " Brunswick Hotel." The defendant, an indorser, was 
 employed on various railways, and had no fixed place of residence. His wife had 
 made a memorandum that she had received the notice. Hold admissible to prove re- 
 ception of the notice by the defendant, the wife being dead, and a verdict was rendered 
 against him. 
 
 (k) Supra, p 478, note v. 
 
 [l) Carson ». State Bank, 4 Ala. 148; Crisson v. Williamson, 1 A. K. Marsh. 454' 
 Rand v. Heynoldn, 2 Gratt. 171, infra, p. 497, note m; Thorn r. Rice, 15 Maine, 263 
 Slor,/, J., Batik of U. S. v. Carneul, 2 I'et. 543. 551.
 
 CH. XII.] TO WHAT I'LACK TIIK NOTICE SHO¥LD BE SENT. 497 
 
 same town, a notice directed to the town, without specifying any 
 particular part of it, is sufficient,(m) unless the holder knew, or 
 ouglit to have known, at wliich post-office the party to be notified 
 reported for his letters, in which case the notice sliould be sent 
 there. (/i) Where there is no post-office in the town where the 
 drawer or indorser resides, notice would seem to be sufficient if 
 sent to the nearest post-office, (o) although there are authorities 
 
 (m) Bank of Manchester v. Slason, 13 Vt. 334, where notice was not sent to tlie 
 post-office nearest the place of residence of the indorser, and where he usually got his 
 letters; Catskill Bank v. Stall, 15 Wend. 364 ; Ilemer v. Downer, 23 id. 620, 21 id. 
 10; Morton v. Westcott, 8 Cush. 425; Cabot Bank v. Russell, 4 Gray, 167. See Ha- 
 zelton Coal Co. v. Ryerson, Spencer, 129 ; Gale v. Kemper, 10 La 205 ; Cuyler v. Nel- 
 lis, 4 Wend. 398, which held that in such case the holder was bound to make reasona- 
 ble inquiries to ascertain to which post-office the indorser usually resorts, or which is 
 the nearest one, is overruled. This last seems to be the opinion held in Ferris v. Sax- 
 ton, 1 South. 1 ; Taylor v. Bank of III., 7 T. B. Mon. 576. In Becnel v. Tournillon, 
 6 Rob. La. 500, a notice directed to a parish generally, in which there were several post 
 offices, was held insufficient. But in Follain o. Dupre, 1 1 id. 454, it was proved that 
 the notice so directed would regularly go to the office nearest the indorser's residence, 
 and the indorser was held. In Rand v. Reynolds, 2 Gratt. 171, a notice sent to a post- 
 office within the same district in which the indorser lived was held sufficient; although 
 the indorser usually got his letters in a different town, which was nearer his residence. 
 In Weakly v. Bell, 9 Watts, 273, a notice sent to the shire town of the county where 
 the indorser lived was held sufficient, although there was a nearer post-office which he 
 was in the habit of using. 
 
 (n) In Morton v. Westcott, 8 Cush. 425, Shaw, C. J. said : "It seems well settled, 
 that, when there are two post-offices in a town, notice by letter to an indorser addressed 
 to him at the town generally is sufficient, unless the party addressed has been gener- 
 ally accustomed to receive his letters at one of the offices in particular, and to have hia 
 letters addressed to him there by his correspondents. Such being the rule, the plain 
 tiff proves his case, prima facie, by proving notice by letter addressed to the defend- 
 ant at the town generally. If, then, the defendant would rebut this presumption of fact, 
 and bring himself within the exception, it lies on him to prove that he did usually re- 
 ceive his letters at one office only, and that this might have been known by reasonable 
 inquiry at the place where the letter was mailed. Without this proof it may be true 
 that the defendant received his letters habitually as well at one post-office as the other, 
 and then the plaintiff's pnVnayJici'e proof remains unrebutted, and he must prevail." 
 
 (o) Shed V Brett, 1 Pick. 401 ; Union Bank v. Stoker, 1 La. Ann. 269; Priestley v. 
 Bisland, 9 Rob. La. 422. See Mainer v. Spurlock, id. 161 ; Duncan v. Sparrow, 3 id. 
 264; Mechanics', &c. Bank v. Compton, id. 4; Nicholson v. Marders, id. 242 ; Union 
 Bank v. Brown, 1 id. 107 ; Nott v. Beard, 16 La. 308. See Foreman v. Wikoff, id. 20 ; 
 Downer v. Remer, 21 Wend. 10 ; Dunlap v. Thompson, 5 Ycrg. 67, where the indorser 
 had removed a few days before maturity, and a notice sent to the former place was held 
 sufficient ; Farmers', &c. Bank v. Battle, 4 Humph. 86 ; State Bank r. Ayers, 2 Halst. 
 130; Hazclton Coal Co. v. Ryerson, Spencer, 129; Ferris v Saxton, 1 Southard, 1 ; 
 Cuyler v. Nellis, 4 Wend. 398 ; Taylor v. Bank of 111., 7 T. B. Mon. 576 ; Bondurant 
 r. Everett, 1 Met. Ky. 658 ; Thompson, J., Bank of Columbia v. Lawrence, 1 Pet. 578, 
 583; Slon/,J., Rank of U. S. r. Carneal, 2 id. 543, 551. In Davis v. Beekham, 4 
 
 Vol. I.—' G
 
 498 NOTES AND BILLS. [CH. XH. 
 
 which ho]i that a special messenger sliould sometimes be used ; (p) 
 and where the nearest post-office is unknown, a notice directed to 
 that which, on proper inquiry, is supposed to be the nearest, will 
 suffice. (^) But it is held, that notice may be sent to the post- 
 office to which the indorser usually resorts, although there are 
 other offices nearer his place of residence, (r) and although this 
 office is in a different town from the one in which the party to be 
 notified lives. (s) And in conformity with the same principle it 
 is held, that where the indorser is in the habit of receiving his 
 letters at either one of three post-offices, the notice may be sent 
 to either of the three. (^) 
 
 Humph. 53, notice was sent to the one designated as the nearest ; but on proof being 
 offered that it liad been discontinued for a year, the notice was held insufficient. In 
 Davis t>. Williams, Peck, 191, the plaintiff, knowing where the defendant lived, sent 
 the notice to a place sixteen miles distant, although there was a post-office within five 
 miles. The indorser was discharged. In Moore v. Hardcastle, 1 1 Md. 486, notice was 
 sent to the shire town of the county, when the indorser lived twelve miles distant. 
 His usual post-office was four miles from his residence. There was no proof of any 
 inquiry by the notary for the nearest post-office. Held insufficient. 
 
 (p) Supra, pp. 478, 479. 
 
 (7) Marsh v. Barr, Meigs, 68, 9 Yerg. 2.53. 
 
 (r) Bank of U. S. v. Carneal, 2 Pet. 543 ; Thompson, J., Bank of Columbia r. Law- 
 rence, 1 id. 578, 583 ; Bank of Geneva v. Howlett, 4 Wend. 328 ; Whittlesey, J., Seneca 
 Co. Bank v. Ncass, 5 Denio, 329, 338 ; Mercer v. Lancaster, 5 Penn. State, 160 ; Sher- 
 man V. Clark, 3 McLean, 91 ; Bank of Louisiana v. Watson, 15 La. 38 ; Mead r Car- 
 nal, 6 Rob. La. 73 ; New Orleans, &c. Co. v. Robert, 9 id. 130; Grand Gulf, &c. Co. 
 V. Barnes, 12 id. 127 ; New Orleans, &c. Co. v. Barrow, 2 La. Ann. 326 ; Hepburn v. 
 Ratliff, id. 331 ; New Orleans, &c. Co. v. Patton, id. 352; Citizens' Bank v. Walker, 
 id. 791 ; Bank of Louisiana v Tournillon, 9 id. 132; Farmers', &c. Bank v. Battle, 
 4 Humph. 86 ; Hazcltoii Coal Co. v. Ryerson, Spencer, 129 ; Walker n. Bank of Au- 
 gusta, 3 Ga. 486 ; Moore v. Hardcastle, 11 Md. 486 ; Gist v. Lybrand, 3 Oliio, 307 ; 
 Glasscock v. Bank of Mo., 8 Misso. 443. 
 
 (s) Bank of Columbia v. Lawrence, 1 Pet. 578; Rcid v. Payne, 16 Johns. 218 ; Bank 
 of Geneva v. Howlett, 4 Wend 328 ; Ran.-^oin v. Mack, 2 Hill, 587 ; Morris r. Ilusson, 
 4 Sandf 93 ; Whiltleseij, J , Seneca Co. Bank v. Neass, 5 Dciiio, 329, 338. See Mont- 
 gomery Co. Bank v. Marsh, 3 Scld. 481 ; S/iaw, C. J., Chouteau v. Webster, 6 Met. 
 1.6: Bank of Columbia v. Magrudir, 6 Harris & J. 172; Grand Gulf, &c, Co v. 
 Barnes, 12 Rob. La. 127; Bird v. McCalop, 2 La. Ann. 351; New Orleans, &c. Co. 
 V. Patton, id. 352 ; Glasscock v. Bank of Mo., 8 Misso. 443. 
 
 (/) Bank of U. S. v. Carneal, 2 Pet. 543. Tlie earlier cases on this point in Louisiana 
 held that the notice must be sent to the nearest. Mechanics', &c. Bank v. Coinpton, 
 3 Rob. La. 4 ; Nicholson v. Mardcrs, id. 242 ; Mead v. Carnal, 6 id. 73. In Follain v. 
 Du[tre, 1 1 id. 454, it was held that, where there was only a difference of a mile or two 
 in the distances of the offices from the indorscr's residence, the notice might he sent to 
 cither. And in the later cases — New Orleans, &c. Co. v. Briggs, 12 id. 175 ; Bank of 
 Louisiana v. Tournillon, 9 La. Ann. 132 — it is held that, where there are two or 
 more usual offices, notice may be sent to either.
 
 CH. XII.] TO WHOM NOTICE SHOULD J5K GIVEN. - 499 
 
 SECTION IV. 
 
 TO WHOM NOTICE SHOULD BE GIVEN. 
 
 Upon the question to whom notice must be given, altnoiioh 
 tlie practice is sufficiently uniform, it is not easy to state a rule 
 which meets all the cases. We think, however, that the true 
 rule, although it may not reconcile all the authorities, and indeed 
 must be open to some exceptions, should be this : Every person 
 who, by and immediately upon the dishonor of the note or bill, 
 and only upon such dishonor, becomes liable to an action, either 
 on the paper, or on the consideration for which the paper was 
 given, is entitleo to immediate notice. 
 
 Notice should certainly be given to all the parties, but the 
 holder is bound to give notice only to the indorser wliom he 
 intends to hold liable, and he may charge a subsequent indorser 
 without notifying a prior,(?/) or a prior without notifying a sub- 
 sequent one.(y) provided the party whom he notifies exercises 
 his right to secure liiinself by giving notice furtlier. It is held 
 that a letter to the last indorser, inclosing notices addressed to 
 all the indorsers, charges the jn-ior indorsers.(?'u) Notice may 
 certainly be given to the agent of the party to be notified. (?/?) It 
 has been said that strict proof of authority to receive notice is 
 required, (a;) but this cannot apply where notice is properly left 
 at the place of business or of abode of the party to be notified, 
 because a notice left there with any one who is found on the 
 
 {u) Baker v. Morris, 25 Barb. 138 ; Morgan v. Van Ingen, 2 Johns. 204; Morgan 
 V. Wood worth, 3 Johns. Cas. 89; Carter v. Bradley, 19 Maine, 62; State Bank v. 
 Hennen, 16 Mart. La. 226; Peyroux v. Dubertrand, 11 La. 32; McCulIock v. Com- 
 mercial Bank, 16 id. 566; Union Bank v. Lea, 7 Kob. La. 76; Union Bank v. Hyde, 
 id. 418; Grand Gulf, &c. Co. v. Barnes, 12 id. 127; Watson v. Templeton, 11 La. 
 Ann. 137; Lawson v. Farmers' Bank, 1 Ohio State, 206; Wilcox v. Mitchell, 4 How. 
 Aliss. 272; Valk v. Bank of South Carolina, 1 McMullan, Eq. 414; Mathews <;. Fogg, 
 1 Rich. 369; Whitman v. Farmers' Bank, 8 Port. Ala. 258. 
 
 (v) Harrison v. Ruscoe, 15 M. & AV. 231. 
 
 (vv) Waniesit Bank v. Buttrick, 11 Gray, 387. 
 
 (w) Hestres v. Petrovie, 1 Rob. La. 119; Wilkins v. Commercial Bank, 6 How, 
 Miss. 217. An attorney at law is not authorized to receive notices for his client unless 
 by special authority. Louisiana State Bank v. EUery, 16 Mart. La. 87. In Fortner 
 V. Parham, 2 Smedes & M. 151, delivery of a notice to the indorser's clerk in the 
 street, without proof of its reception, or of the clerk's authority to receive it, was held 
 insufficient. In Paterson Bank v. Butler, 7 Halst. 268, notice delivered to a stranger, 
 who said he was the indorser's brother, was held insufficient. 
 
 (x) Montillet v. Duncan. 1 1 Mart. Ln. 534.
 
 500 NOTES AND BILLS. [CH. XII 
 
 promises would ordinarily be siifificient.(//) We have seen that 
 a presentment to any one there would be sufficient, (s) and if 
 this is true where something is expected to be done by the party 
 of whom the demand is made, it certainly is true where nothing 
 is to be done except to receive a notice. 
 
 Authority to indorse negotiable paper has been held not to 
 carry with it authority to receive notice of dishonor, (a) but an 
 opinion to the contrary has been expressed. (6) 
 
 If an agent draws a bill in his own name, notice must be given 
 to him, and if given to his principal, who is no party to the paper, 
 it will not be sufficient. (c) 
 
 If a person entitled to notice be bankrupt, notice should be 
 given to him, if his assignees are not yet appointed. (c?) If they 
 are, notice should perhaps be given to them, if the fact of their 
 appointment is known to the holder, or might be known by him 
 by the exercise of due diligence, (e) but notice might perhaps even 
 then be sufficient if given to the bankrupt. Under our Statu 
 insolvent laws, and wherever the point has not been settled by 
 decision or a positive usage, it would seem to be the safest course 
 to give notice both to the insolvent and to the assignees also. 
 
 If one indorses as cashier of a bank, and before the note matures 
 ceases to be cashier, and notice is given to the bank and not to the 
 cashier who indorsed the note, it is sufficient. (cc) 
 
 If the insolvent has absconded, notice should be given to the 
 assignees ;(/) and if they are not appointed, we should suppose that 
 a delay until their appointment would not discharge any one; and 
 although notice may be given to any one holding or representing 
 the estate,(/7) we should think it better to notify the assignees when 
 appointed. 
 
 If the indorser is dead at the time the note matures, and this 
 
 (y) Cromwell v. II\nsnn, 2 Es]). 511 ; Honscf^o v. Cmviu*, 2 M. 8c W. 348, where 
 notices left, at the iiidorscr'.s house with his wife were hclil sulHcieut. 
 
 (z) Supra, p. 48'.), note. r. 
 
 (a) Viilk V. GuilliinJ, 4 Slroh. !)!); Sharkry, C. J., Wilcox v. ]\outh, 9 Sineilcs & 
 M. 476, 483. 
 
 {!)) Lonl Tentirdni.^ V,. J., Firth /■. Thrnsh, 8 H. it V. 387. 
 
 {)■) (Jrosveiior v. Stone, 8 I'ick. 71). In V,h\\ v. ()!ii<l(n', 15 Miirt. 1^:1. 137, it was 
 liclii, thiit. wh(!re the ii;;ent iiulor-es in the |irin(i|ial's niiiiie, notice to the latter is suf- 
 ticient. Whether it nii;;lit lie sul'ely j;iven to the ii^ent in such case may (h^peud upon the 
 qucKtion wlutther an authority to indorse {■iirrics with it, an authority to receive notice. 
 
 {(I) See Kx j)Mrte Moline, ]!> Ves. 210. 
 
 (fi) See liohde v. I'roctor, 4 I'.. iK- ('. 517, Dow. & K. 610; Ex parte Johnson, 3 
 Deiie. & v.. 4.33, 1 Mont. & A. 022 ; Ex i)arfe (;ha])pel, 3 Mont. & A. 4'.)0, 3 Deac. 21.S. 
 
 {pr) C!ofTiiian v. IJank of Kentucky. 41 Miss. 212. 
 
 (f) Uolnle V. I'roctor, 4 I'.. & ( '. 517, Dow. & H. Oil). 
 
 (y) See KolMJe v. I'roctor, 4 JJ. & C'. 517, 6 D..w. & K. 610.
 
 CH. Xn.] TO WHOM NOTICE SHOULD BE GIVEN. 501 
 
 fact is known to tlie holdci', notice must be sent to his adminis- 
 trators or executors, ii" it can be ascertained by reasonable inqui- 
 ries wlio and where they are, (A) and a notice directed to tlie 
 deceased by name will, under such circumstances, be insufficient 
 to charge the estate. If tlie death is not known, and nothing 
 appears to show that the sender ought to have known this fact, 
 notice addressed to the deceased indorser will be sufficient,(i) 
 and the same would be true where the holder cannot by reason- 
 able diligence ascertain whether there is an administrator or 
 executor, or who he is or where he resides. (j) 
 
 It may not always be necessary to designate the administrator 
 or executor by name. Thus, where the notary, being ignorant 
 as to who the administrator or executor was, sent the notice 
 directed to the "legal representative" of the indorser, but mailed 
 to his last place of residence, this was held sufficient, although 
 the notary might have ascertained tlie name without much 
 trouble, on the ground that " legal representative " and " admin- 
 istrator " or " executor" are synonymous terms. (^^) 
 
 (/<) Oriental Bunk v. Bhike, 22 Pick. 206, wlicre the holder, knowini^ that the indorser 
 was dead, left the notice at his last place of residence. Held insufficient. So Cayuga 
 Co. Bank v. Bennett, 5 Hill, 2-36, where the holder knew of the indorser's death, 
 tliat his will had been proved, and that it was in the surrojj^atc's office, in the villajje 
 where tlie holder lived. In Barnes n. Reynolds, 4 How. Miss. 114, the notice was sent 
 to the indorser's last residence. The judye charged the jury, that if the holder knew 
 of the death of the indorser, and could by ordinary diligence have ascertained who his 
 executors were, it was incumbent on him to give them notice ; but if the holder did not 
 know of the death, or by oidinary diligence could not have ascertained who were the 
 executors, the notice directed to the intestate was sufficient. Held correct, and a ver- 
 dict for the plaintiff was sustained. Where an indorser died eight months before the 
 note matured, notice directed to him was held bad, in the absence of proof by the 
 plaintiff of due diligence in ascertaining who were the representatives. Bank of Lou- 
 isiana V. Smith, 4 Rob. La. 276. But where the heir has been put in po.ssession of the 
 estate before maturity, notice directed to the indorser's legal representative is not suf- 
 ficient. Christmas v. Fiuker, 7 id. 13. But notice should be sent to the executor, 
 although the heir had been recognized, had given security, and taken possession, if the 
 executor has not rendered any account, nor received from the heir the money neces- 
 sary to pay the debts. New Orleans, &c. Co. v. Kerr, 9 Rob. La. 122. See the cases 
 cited infra, chapter on Excuses for Want of Notice. 
 
 (i) Merchants' Bank v. Birch, 17 Johns. 25 ; Planters' Bank v. White, 2 Humph. 
 112. See Beals v. Peck, 12 Barb. 24.5 ; Barnes v. Reynolds. 4 How. Miss. 114, sitpra. 
 note h. Lapse of time may have the effect of requiring the plaintiff to prove due dili- 
 gence. See Bank of Louisiana v. Smith, 4 Rob. La. 276, su;ira, note /;. 
 
 ( /) Metcalf, J., Mass. Bank v. Oliver, 10 Cash. 557 ; Stewart v. Eden, 2 Caines, 121 ; 
 Kanies v. Reynolds, 4 How. Miss. 1 14, supra, note A. 
 
 {k) Pillow V. Hardeman, 3 Humph. 538.
 
 602 NOTES AND BILLS. [CH. XD. 
 
 But a notice sent to the " estate " of a deceased was held 
 insufficient, where the name of the administrator could have 
 been ascertained without much difficulty. (/) The reason given 
 was, that the word " estate " was too ambiguous, comprehend- 
 ing the heir-at-law equally with the administrator or executor. 
 In all these cases, as in many othei-s, if it reaches the adminis- 
 trator or executor seasonably, the notice will be good, and proof 
 of its reception will supply any defects in the sending, (m) No- 
 tice to one of several administrators or executors has been held 
 sufficient, on the ground that they, like partners, all represent 
 one and the same interest, (w) 
 
 Notice to one member of a partnership which indorses a note 
 or bill is notice to all, because each partner represents the inter- 
 ests of the other partners and of the partnership, (o) and the same 
 has been held where the notice has been given after dissolution 
 and publication. (/?) So if one of the firm dies before maturity, 
 notice to the surviving partner is sufficient to hold the estate and 
 the legal representative of the deceased. (17) If a bill be drawn 
 on the firm by one partner, and accepted by him, notice of dis- 
 honor need not be given to the firm.(r) 
 
 But tlie interests of each joint indorser are not so far similar 
 that notice to one is notice to all ; they should all be notified ; (s) 
 and if either is discharged by the neglect to notify him, that dis- 
 charges tlie other ;(ss) nor should a notice to any mere member of 
 
 (/) Mass. Bank v. Oliver, 10 Gush. .557. 
 
 (wi) Cowev, J., Cayii^a Co. Bank v. Bennett, 5 Hill, 236. Sec Beals v. Peck, 12 
 Barb. 245 ; Mass Bank v. Oliver, 10 Cusli. 557. 
 
 (n) Beals v. Peck, 12 Barb. 245 ; Lewis v. Bakewell, 6 La. Ann. 359, where notieo 
 was given to the maker, one of three excentors of the indorser. 
 
 (o) Nott V. Donming, 6 La. 680, 684 ; Maf;ee v. Dunbar, 10 id. 546. See Beals v 
 Peck, 12 Barb. 245, 251 ; Willis v. Green, 5 Hill, 232 ; and cases cited infra, note r, 
 
 (/)) Coster ?•. Thomason, 19 Ala. 717. 
 
 (7) Cocke V. Bank of Tcnn , 6 Huinpli. 51 ; Dabney v Stidger, 4 Smedes & M. 749 
 
 (;•) Rhett r. Poe, 2 How. 457 ; Fuller v. Hooper, 3 Gray, 334 ; Gowan v. Jackson, 
 20 Johns. 176 ; Porthouse v. Parker, 1 Camp. 82 ; Bi<,Mi()Id v. Waterhousc, 1 Maule & 
 8. 255. 
 
 («) Shcpard v. Hawlcy, 1 Conn. 367 ; Willi.? v. Green, 5 Hill, 232 ; Beals r. Peck, 
 12 Barb. 245. See Bank of Chenango v. Root, 4 Covven, 126; Sayro v. Frick, 
 7 Watts & S. 383; Miser v. Troving(!r, 7 Ohio State, 281 ; State Bank v. Slaughter, 
 7 Blackf. 133; Dabney v. Stidger, 4 Sincdes & M. 749; Wood v. Wood, 1 Harri- 
 Bon, 429. Contrti, Dodge i>. V,:\nk of Ky., 2 A. K. Marsh. GIO, 615; Hi^gins v. 
 Morrison, 4 Dana, 100, 105; Byles on Bills, p. 229, citing PorthousC v. Parker, 1 
 Camp. 82. In this case, however, by the head note, it apjjcars t!iat the drawers wero 
 purtncrH. 
 
 (««) People's I'.ank ?'. Kcech, 2<) Mil. 521.
 
 CII. XII.] BY WHOM NOTICE SHOULD BE GIVEN. 503 
 
 a joint-stock company, who was not an officer nor agent of the 
 company, suffice to bind the corporation. (^) 
 
 If one not a party to the note assign it without, indorsement, 
 he is not entitled to strict notice. (m) But where an action on 
 the consideration or on the paper, as on guaranty or the like, 
 accrues to the transferee, we should say the transferrer was 
 entitled to have notice given hiin.(i;) We shall also, under the 
 subject of Guaranty, see that a guarantor of a promissory note is 
 entitled only to have such notice as shall be actually sufficient 
 for his safety, and cannot in general defend himself by showing 
 want of notice, without showing also actual injury.(i^?) 
 
 SECTION V. 
 
 BY WHOM NOTICE SHOULD BE GIVEN. 
 
 There appaars to be considerable confusion in the language of 
 the courts, and in the cases, with reference to the party by whom 
 notice should be given. Thus it has been said that notice must 
 come from the holder, and that a notice given by any other party 
 was insufficient, because the drawer or indorser is not apprised 
 thereby of the holder's intention to look to him for payment. (a;) 
 
 It has also been said that it makes no difference who apprises 
 the drawer, since the object of the notice is that the drawer may 
 have recourse to the acceptor, (y) 
 
 It has likewise been said that any party to the bill may give 
 notice. (z) 
 
 The first of these propositions is clearly inaccurate, because it 
 has long been settled that a notice properly given by a prior 
 indorser, in due time, will enure to the benefit of the subsequent 
 
 (?) See Powles v. Page, 3 C. B. 16. 
 
 (u) Van Wart v. Wooley, 3 B. & C. 439, 445 ; Swinyard v. Bowes, 5 M. & S. 62. 
 
 \v) Infra, Vol. II. p. 137. 
 
 (w) infra, VoL II. p. 137. 
 
 (x) Tindal v. Brown, 1 T. R. 167, 2 id. 186 ; Ex parte Barclay, 7 Ves. 597. These 
 eases were expi-essly overruled by Chapman v. Keane, 3 A. & E. 193, 4 Nev. & M. 607. 
 
 ((/) Lord Kenijon, Shaw v. Croft, Chitty on Bills, p. 333. 
 
 [z] 3 Kent. Com. 108; Lord Ellenhoroiiyh, Wilson v. Swabey, 1 Stark. 34; Glasgow 
 i;, Pratte, 8 Misso. 336. See Glasscock v Bank of Mo., id. 443 ; Walker v. Bank of 
 Mo., id. 704 ; Duncan, J., Juniata Bank v. Hale, 16 S. & U. 157, 160.
 
 O04 NOTES AND BILLS. [CH. XH. 
 
 parties. (a) Thus, if the holder duly notifies the sixth indorser, 
 and he the fifth, and he the fourth, and he the third, and he the 
 second, and he the first, the latter will be liable to all tlie par- 
 ties, (Z>) So notice duly given by a subsequent indorser to the 
 prior indorser will enure to the benefit of all up to the first. (c) 
 Thus, if the holder in the case supposed duly notified all the 
 indorsers, the first indorser will be liable to all, although the 
 holder was the only party to give the notice. 
 
 The second proposition cannot be true, because it is equally 
 well settled that notice cannot be given by a stranger to the note 
 or bill.(^) 
 
 The third proposition is inaccurate, because it is clear that no- 
 tice cannot be given by any party who is himself discharged by 
 the laches of any prior party, either on his own account, (e) or 
 for the benefit of other parties to the bill.(/) There appears to 
 be much doubt whether notice given by the acceptor who refuses 
 to pay is a good notice, which can enure to the benefit of any 
 other party. It has been decided that a notice so sent to the 
 drawer is sufficient to bind him.(^'-) But this has been much 
 questioned, (/i) on the ground that one of the objects of sending 
 
 (a) Jiimeson v. Swinton, 2 Camp. 373, 2 Taunt. 224; Wilson v. Swabuy, 1 Stark. 
 34 ; Bray v. Hadwen, 5 Maule & S. 68 ; Chapman v. Keane, 3 A. & E. 193, 4 Nov. 
 & M. 607 ; Lysaght v. Bryant, 9 C. B. 46 ; Triplett v. Hunt, 3 Dana, 126 ; Whitman 
 c. Fanners' Bank, 8 Port. Ahi. 2.58; Wilcox v. Mitchell, 4 How. Miss. 272 ; Renshaw 
 v. Triplett, 23 Misso. 213; Glasscock v. Bank of Mo., 8 Misso. 443 See Baker v. 
 Morris, 25 Barb. 138. 
 
 (b) In Hilton v. Shepherd, 6 Eart, 14, note c, there were six indorsers, and notice 
 was regularly given by the indorsers in succession. The second sued the first indorser, 
 and recovered. 
 
 (c) Stafford v. Yates, 18 Johns. 327; Abat v. Kion, 9 Mart. La. 465; Marr v. 
 Johnson, 9 Yerg. 1 ; Wilcox v. Mitchell, 4 How. Miss. 272. Whether this is confined 
 to the case of actual rcce[)tian by the party to be charged, or whether, if a subsequent 
 indorser, after using due diligence, sends the notice to the wrong place, this enures to 
 the benefit of any party, is considered infra, p. 627. 
 
 (d) Stewart v. Kennett, 2 Camp. 177; Chanoine v. Fowler, 3 Wend. 173; Duncan, 
 J., Juniata Bank v. Hale, 16 S. & R. 157, 160; Tuck, J., Brailsford v. Williams, 15 
 Md. l.-iQ, 158. 
 
 (e) Turner v. Leech, 4 B. & Aid. 451 ; Ilowo v. Tipper, 13 C B. 249. 
 (/) See Harrison v. Ruscoe, 15 M. & W. 231. 
 
 (()) By Lord Kmyon, at Nisi Rrius, in Shaw ». Croft, Chitty on Bills, p. 333 ; 
 Lord /Clh'iilxjioiii/fi, in lioslier v. Kicran, 4 Camp. 87; Brailsford v. Williams, lo Md. 
 150; Union Hank v. Grimsliaw, 15 La. 321. 
 
 (A) Baylej on Bills, 6tli London cd. 250; Chitty on Bills, 333; Byle.9 or. Bills, 214; 
 Story, i 304 In Harrison v. Rus(;oe, 15 M. & W. 231, Par/ce, B., after cjlot'ng the
 
 CH. XII.] BY WHOM NOTICE SHOULD BE GIVEN. 505 
 
 notice is to inform the party to whom it is sent that he is looked 
 to for payment by the party who sends ; and inasmuch as the ac- 
 ceptor who refuses to pay has no claim upon the drawer, or on 
 any party to the bill, he cannot make any demand. A drawee 
 who refuses to accept is not a proper party to give notice ; (i) and 
 it is somewhat difficult to see what difference there is in the case 
 of an acceptor refusing to pay. 
 
 It seems also to have been held that the maker may give no- 
 tice. (j) On the whole, we do not see why, if the party primarily 
 liable is a proper person to give notice, a mere stranger may not. 
 Our own method of stating the rule, independently of these au- 
 thorities, would be, that notice may be given by any party to a 
 note or bill, not primarily liable thereon as regards third parties, 
 and not discharged from liability upon it at the time notice is 
 given. 
 
 It will not be understood that these remarks apply to an ac- 
 ceptor supra protest, as it is within his power to give notice of 
 the dishonor by the original drawer, and he will have a claim 
 founded thereon, and on his own acceptance. (yt) 
 
 The holder may of course give notice by his agent, (/) who may 
 give the notice in his own name,(w) or in the name of one of the 
 other parties, (w) But in this last case, the party charged by the 
 notice will be entitled to insist on any defence against the real 
 principal which he might have made against the party from whom 
 the notice purported to come.(o) 
 
 A person to whom a note is indorsed for the purpose of collec- 
 
 rule laid down by Judge Story with approbation, said : " The rule equally excludes the 
 case of notice by an acceptor, who never could sue himself upon the bill after taking 
 it up ; and the instances iu whicli a notice by an acceptor has been held good at Nisi 
 Prius are explained by Mr. Justice Bayley, on the supposition that in these the ac- 
 ceptor had a special authority to do so." 
 
 (i) Stanton v. Blossom, 14 Mass. 116. 
 
 ( /) Glasgow V. Pratte, 8 Misso. 336. 
 
 (k) Supra, p. 319. 
 
 (/) Harris v. Robinson, 4 How. 336 ; Tunno v. Lague, 2 Johns. Cas- 1 ; Shed v. 
 Brett, 1 Pick. 401 ; Follain v. Dupre', 11 Rob. La. 454, 470; Walker v. Bank of Mo., 
 8 Misso. 704; Crawford v. Branch Bank, 7 Ala. 205, 213. In East v. Smith, 4 Dow. 
 & L. 744, it was doubted by Coleridge, J. whether a tradesman's foreman or servant was 
 a proper party. 
 
 (in) Woodthorpe v. Lawes, 2 M. & W. 109. 
 
 (n) Rogcrson v. Hare, 1 Willm. W. & D. 65, 1 Jur. 71 ; Harrison r. Rus^oe, 15 
 M. & W. 231. 
 
 (o) Harrison v. Ruscoe. 15 M. & W. 231. 
 
 \0L. I. 4a
 
 506 NOTES AND BILLS. [CH. XIL 
 
 tion is a proper party to give notice ; {p) and so is a notary to 
 whom tl)e note is handed to protest, (</) though the latter officer is 
 not obliged to give it.(y) 
 
 If the holder is dead, notice should be given by his administra- 
 tor or executor, if any are appointed ; (s) and if none are ap- 
 pointed at the time of maturity, the indorser will not be dis- 
 charged, provided notice is sent to him within a reasonable time 
 after his appointment. (^) So it would be if the note or bill is 
 not discovered, or its existence known to the administrator at 
 maturity, (m) provided the administrator is not guilty of laches 
 in not finding it, and forwards the notice immediately after 
 finding it. 
 
 It has been held that a signature is essential to a notice, be- 
 cause if a notice is not signed, it cannot be said to be given by 
 any person ; {v) but it has been also said that a notice was good 
 whetlier signed or i\oi,{w) and we have also seen that it need not 
 state who the holder was at the time of maturity. (.^) 
 
 It has been said that it is the duty of a notary who makes a 
 protest to give notice of \i.{xa) But although it is usual and 
 convenient for the notary to give notice, and he has undoubtedly 
 sufficient authority to do this as tlie agent of the holder, it is 
 quite certain that this is no part of his official duty.(a;6) 
 
 SECTION VI. 
 
 AT WHAT TIME NOTICE SHOULD BE GIVEN. 
 
 One of the most important questions under the law of notice 
 is, Within what time must the notice be sent? The rule, as laid 
 
 (p) Ogden v. Dol)bin, 2 Hall, 112. So it may bo given by his ugent. Cowj»^r 
 tliwiiite V. Slicflicld, 1 Saiidf. 416, 3 Comst. 243. 
 (7) Infra, p. 645. 
 (r) Infra, p. 645, note /. 
 («) Siory on Proin. Notes, § 304. 
 {t) Infra, p. 559. 
 (h) Infra, p. U:><A. 
 
 (») Walker n. IJank of Mo., 8 Misso. 704. 
 
 («;) Ili'.nikrson, J., Bank of Ciipe Fear v. Seawell, 2 Hawks, 560. 
 (x) Siijira, p. 473, note. 
 
 (ra) (Jowtn, J., in Ilalliday ». Mt l).>,i;^,iil, M sV^c.ni. 66. 
 (rb) IJurke v. McKiiv, 2 How. 66.
 
 CH. XII.] AT WHAT TIME NOTICE SHOULD BE GIVEN. 507 
 
 down ill tlie earlier English cases, (//) and in some of the Ameri- 
 can cases, (z) was, that notice must be sent within a reasonable 
 time after dishonor, and that what was a reasonable time was a 
 question of fact for the jury. Nov\^, however, the courts have 
 fixed tliis period so definitely as a matter of law, that it hardly 
 seems appropriate to speak of it as a merely reasonable time, 
 although this continues to some extent to be the language both 
 of text-writers and of judicial decisions. (a) 
 
 (^)>\Ve have already seen that originally the rule was, that a demand and protest 
 might be made in a reasonable time after the day a note or bill matured. In Hussel v. 
 Langstaffe, 2 Doug. 514, one of the notes was payable Sept. 22, two on Sept. 27, and 
 two on Oct. 4. The plaintiff notified the iudorser on Oct. 14. Ot)jection was made 
 that this was not in time. The counsel for the defendant " admitted that what shall be 
 deemed reasonable notice to an indorser of non-payment by the drawer ought properly 
 to be decided by the jury, but said it was well established that such notice ought to be as 
 early as possible. That where the parties live at a distance, the notice ought to be given 
 by the first post, but that here the parties lived in the same town, and no notice had been 
 given till ten days after the time of payment, even in the case of the notes payable in 
 October." But the case turned on another point. In Hilton v. Shepard, 6 East, 14, 
 note c, Ho|)es v. Alder, id. 16, note, Lord Kenyon tliought the question to be one for 
 the jury, notwithstanding the case of Tindal v. Brown, 1 T. R. 167. 
 
 (z) The early cases in Pennsylvania do not appear to l)e quite consistent. In Stein- 
 metz V. Currey, 1 Dall. 2.34, 270, the court admit that notice must be given in a reason- 
 able time, but set aside a verdict for the plaintiff where there had been a delay of over 
 two years, holding that the war which then existed was no excuse for so long a delay, the 
 parties living within one hundred and fifty miles of each other. But in the following 
 cases the time was held a matter of fact for the jury, liohertson v. Vogle, 1 Dall. 252 : 
 Bank of North America v. Vardon, 2 id. 78 ; Bank of North America ?>. M'Knight, id. 
 1 58, 1 Yeates, 145, where there was a delay of one day ; Mallory v. Kirwan, 2 Dall. 192 ; 
 Warder v. Carson, id. 2.33, 1 Yeates, 531 ; Bank of North America v. Pettit, 4 DaU. 
 127; Gurly v. Gettysburg Bank, 7 S. & R. 324, where there was a delay of five 
 days, and a verdict for the plaintiff was sustained There seems to be a similar con- 
 flict in the cases in North Carolina. In Pons v. Kelly, 2 Hayw. 45, it was held thai 
 the court are to judge of what is reasonable time. In London v. Howard, id. 332, it 
 was submitted to the jury, the judge, however, expressing to them his opinion that ten 
 days' delay was too much. The jury found for the defendant. In Brittain v. Johnson, 
 1 Dev. 293, tl*e reasonable time was held a matter of fact, and also that the strict rules 
 as to negotiable paper did not apply, as between farmers in the country. In Brahan 
 V. Iliigland, Minor, 85, the question was held to be one of fact. So Hager c. Boswell, 
 4 J. J. Marsh. 61. 
 
 (a) In Tindal v. Brown, 1 T. R. 167, notice was not given until two days after the note 
 matured The jury found for the plaintiff, and a new trial was granted. A second 
 verdict for the plaintifl' was likewise set aside, and a third resulted in a verdict for the 
 defendant. This judgment was affirmed in the Exchequer Chamber, 2 T. R. 186. See 
 Darbishire v. Parker, 6 East, 3. In Furze v. Sharwood, 2 Q. B. 388, 415, Lord Den- 
 ]/uin, C. J said : " Perhaps Lord Mansfield never conferred so great a benefit on the 
 commercial world as by his decision in Tindal v Brown, where his pci'severanee 
 compelled them, in spite of themselves, to sul)mit to the doctrine of recjuiring immedi-
 
 508 NOTES AND BILLS. [CH. XH. 
 
 It is clear that there can be no notice without a prior demand, 
 because notice must be based upon the fact that presentmeiit has 
 been made, and payment refused. (6) 
 
 There appears to be some want of precision in the language of 
 the text-writers, and of some of the courts, in laying down the 
 rule as to the time within which notice must be deposited in the 
 post-office in order to charge the indorsers. One eminent jurist 
 has expressed an opinion that notice will be sufficient if mailed 
 at any time on the day after dishonor, although it may not be in 
 season to go by the mail of that day.(6') But this opinion is open 
 to the objection, that it would be almost necessarily giving the 
 holder more than the entire day after dishonor ; as, for instance, 
 if the only daily mail for the place where the indorser lives 
 should close at 8 P. M., and the holder were allowed to deposit 
 
 ate notice as a matter of law." We are aware of no modern cases in this country in 
 which a different doctrine is held. Tliere may not, however, be so great a conflict be- 
 tween the decisions which hold the question to be one of law and those in which it 
 is said to be a matter of fact, or a mixed question of law and fact, as mijrht at first 
 appear. The rule as now generally laid down is, that the courts have established a 
 definite limit, within which the plaintiff must prove that he sent the notice, or else must 
 show such circumstances as will excuse him from a strict compliance witli the rule; 
 and this last fact must necessarily open the whole question, as it may depend on such a 
 variety and complication of facts that the intervention of a jury is essential to decide 
 the matter. In Stott v. Alexander, 1 Wash. Va. 3-31, a bill was drawn in Philadelphia 
 on London, and protested there in September. Notice Vi^as received in the latter part 
 of the followini,^ June. The court thought the notice was reasonable. In Finder v. 
 Nathan, 4 Mart. La. 346, tlie question was held to be one of fact; but in Chandler v. 
 Sterling, 9 id. .56.5, it was held to be a mixed question of law and fact. So Spencer v. 
 Stirling, 10 id. 88, where there was a delay of one month, and a verdict for the plain- 
 tiff was sustained. In Haddock v. .Murray, 1 N. H. 140, it was said to be a question 
 of fact ; but where the facts were ascertained, the court should pass upon it. In Bryden 
 V. Bryden, 11 Johns. 187, it was said to be a mixed question of law and fact; but 
 where the facts were clear, it was a question for the court. Three days' delay was held 
 too long. In Philips v. M'Curdy, 1 Harris & J. 187, it is said that notice must be given 
 " in due and convenient time, of which the court are to judge." In Scarborough v. Har- 
 ris, 1 Bay, 177, it is said that "the holder of a l)ill must give reasonable notice to the 
 indorser, that is, by first jtost or convenient opi)ortunity, which is partly a matter of 
 fact fur jury, what is reasonable or not." In Stanton v. Blossom, 14 Mass. 116, it is 
 said that notice must be given within a reasonable time. So in Aldis i*. Johnson, 
 i Vi. 136, 140 ; but the court decided the question. 
 
 (It) Jackson v. liichards, 2 ('aines, .343, where notice was given the last day of grace, 
 and the demand made tlic succeeding day. 
 
 (c) 3 Kent, Com. 106, note e. In a subsequent part of this note, added in one 
 of the more recent editions, the learned editor appears to have adopted ihe stricter 
 view, and, as is conceiv<;d, fallen into the opposite error. See also the remarks ol' Jihn 
 ion, J., Johnson v. Harlli, 1 Bailey, 482, 484.
 
 CH. Xn.] AT WHAT TIME NOTICE SHOULD BE GIVEN, 509 
 
 the notice in the office at 9 P. M., the effect- of this would be to 
 allow the holder two days ; for the notice miglit as well be per- 
 mitted to remain in his desk as to lie in the post-office till the 
 mail for the next day should close. This seems to be a greater 
 relaxation than is consistent witli all the leading authorities. 
 
 Anotlier suggestion has been made by a distinguished judge 
 and writer, (c^) wbich is, that the holder should be required to send 
 the notice by the first mail which starts after twenty-four hours 
 from the time of actual dishonor. But the great objection to this 
 view is, that it would render an inquiry into the exact time of 
 presentment necessary, which would clearly be inconvenient and 
 uncertain. 
 
 It has also been said that notice should be sent by the next 
 mail after dishonor, (e) or by the next practicable mail.(/) This 
 is incorrect, because it might render it necessary to mail the no 
 tice on the very day of dishonor, and the cases are clear and de 
 cisive on the point that notice need in no case be sent on thai 
 day.(^) Thus, in one case, where notice was received at 9 A. M., 
 and the mail left at 6 P. M., it was held that notice need not be 
 forwarded that day, although the next subsequent mail did not 
 leave until the second day thereafter. (A) 
 
 {d) Story on Bills, ^ 290, note. Judge Story simply puts this by way of sugges- 
 tion. In § 288 the rule is stated with accuracy. See also Prom. Notes, § 324. 
 
 (e) Tindal v. Brown, 1 T. E. 1 67 ; Darbishire v. Parker, 6 East, 3, 9 ; Hubbard v. 
 Troy, 2 Ired. 134 ; Denny v. Palmer, .5 id. 610; Whittlesey v. Dean, 2 Aikens, 263; 
 Curry v. Bank of Mobile, 8 Port. Ala. 360 ; Hickman v. Ryan, 5 Littell, 24. 
 
 (/) Mitchell V. Degrand, 1 Mason, 176 ; U. S. v. Barker, 4 Wash. C. C. 464 ; Mead 
 V. Engs, 5 Cowen, 303 ; Dodge v. Bank of Ky., 2 A. K. Marsh. 610, 616. 
 
 (g) Hartford Bank v. Stedman, 3 Conn 489; Whitwell y. Johnson, 17 Mass. 449 ; 
 Housatonic Bank v. Laflin, .5 Cush. .546 ; Howard v. Ives, 1 Hill, 263 ; Bank of U. S. 
 V. Merle, 2 Rob. La. 117; Downs v. Planters' Bank, 1 Smedes & M 261 ; Deminds v. 
 Kirkman, id. 644. The rule is the same where the parties live in the same place. 
 Pearson v. Duckham, 3 Litt. 385 ; Noble v. Bank of Kentucky, 3 A. K. Marsh. 262. 
 The dictim of Parker, C. J., in Woodbridge v. Brigham, 1 2 Mass. 403, 404, to the con- 
 trary, is overruled by Grand Bank v. Blanchard, 23 Pick. 305, where an indorser who 
 was notified on the day after dishonor was held, although it had been the usual course 
 of the bank which sent the notice to notify the ])arties living in the same town on the 
 last day of grace. There is also a (firtmn of Hntchins, J., in Nash v. Harrington, 2 
 Aikens, 9, to the same effect. See Whittlesey v. Dean, id. 263. 
 
 (h) Geill V. Jeremy, Moody & M. 61. It will be seen subsequently, that in general 
 any party wiio receives a notice is entitled to as much time in which to forward it to 
 ^le iiMJorser whom he wishes to charge, as the holder at the time of dishonor. In Bank 
 of Aie.'candria v Swann, 9 Pet. 33, demand was made at 3 P. M. The mail closed 
 at half past 8 P. M. (11)jection that the notice should have been forwarded thereby was 
 43*
 
 510 NOTES AND BILLS. [CIL XH. 
 
 It is said in some cases that the notice should be sent by the 
 first mail of the next day after dishonor ; (i) but the authorities 
 in which it was necessary to decide the point hold that it may be 
 sent by any mail of that day. Tims, where one mail leaves in 
 the morning and another in the evening, the holder has tlie riglit 
 to elect which one he will use by which to transmit the notice. {^') 
 
 In many cases it is said that notice should be sent by the mail 
 of the next day after dishonor ; [k) but most of these were cases 
 
 overruled. So Mead v. Engs, 5 Cowen, .303, where the notice was received in the 
 morning, and the mail left at 1 P. M. ; Howard v. Ives, 1 Hill, 263, where the mail 
 closed at 5 P. M. See also the cases cited Infra, p. 51 1, note /, p. .512, note o. 
 
 ()■) Dickiiis V. Beal, 10 Pet. 572, 581 ; Bank of U. S. v. Merle, 2 Rob La. 117; 
 Townsley v. Springer, 1 La. 122. See Brown v. Turner, 11 Ala. 752. 
 
 {j) Goodman v. Norton, 17 Maine, 381 ; Howard v. Ives, 1 Hill, 263 ; Whitwell v. 
 Johnson, 17 Mass. 449. See Housaionic Bank v. Laflin, 5 Cush. 546, where it is said 
 that this is true, however late the last mail might start. 
 
 (k) In Lenox v. Roberts, 2 Wheat. 373, Marshall, C. J. said : "It is the opinion of 
 the court that notice of the default of the maker should be put into the post-office early 
 enough to he sent by the mail of the succeeding day." So also U. S. v. Barker, 4 Wash. 
 C. C. 464, 12 Wheat. 559, where the notice was received on one day, and not forwarded 
 by the only mail of the next day, which left at half past 10 A. M. The court held that 
 the indorser was discharged. In Fullei-ton r. Bank of U. S., 1 Pet. 604, the judge 
 charged tlie jury that " notice should have been given to the indorser through the 
 medium of tiie post-office, the day after the last day of grace, in season to go by the 
 suceeding mail." Held correct, as the word "succeeding" must, be taken to apply 
 to the words " last day of grace," and not " the day after the last day." Johnson, .J. 
 said : " With this signification, it was rather more favorable than need be given, since 
 the mail of the next day may have gone out before early business hours, or no mail 
 may have gone out for several days." In the following cases it is laid down that notice 
 should be sent by the next day's mail. Williams v. Smith, 2 B. & Aid. 496 ; Wright 
 r. Shawfross, id. .501, note ; Hou.satonic Bank v. Laflin, 5 Cush. 546 ; Talbot v. Clark, 
 8 Pick. 51 ; Whitwell r. Johnson, 17 Mass. 449; Brown v Ferguson, 4 Leigh, 37; 
 Manchester Bank v. White, 10 Foster, 4.t6 ; Manchester Bank ». Fellows, 8 id. 302. 
 In Chick V. Pillsbury, 24 Maine, 458, Shep/ei/, J., in a dissenting opinion, maintained 
 that the UDtice must be sent, at all evetits, by the mail of the day succeeding dishonor, 
 however early it may start. The cases of Goodman v. Norton, 17 Maine^38l, Beck- 
 with V. Smith, 22 id. 125, arc cited as sustaining Ids o[)inion, but they do not seem to be 
 decisions on the point ; or if they arc to be so con»iidered, they are overruled by Chick 
 V. Pillsbury, 24 Maine, 458 The objections which Mr. Justice Shepley makes to the 
 opinion of the majority of the court are, that that doctrine will introduce too great 
 Uncertainty into the law, that this view inaintainc<1 liy him would be certain and uni- 
 form, 'i'hcrc is no doubt that it would. But then the more lax rule, as stated by 
 Chancellor Kent, sii/ira, p. 508, note c, wouhl certainly be as " uniform, certain, and 
 ea«y of apprehension." Tlicic is an objection to that rule, as already stated, it is 
 true. But there i.s a like ohje<'tion to the more strict one, which we state in our t«!xt 
 And if it should be neccBsary to choose between one or the other, we apprehend that it 
 would he more reasonable to adopt the former. But moderu decisions, as we shall seo. 
 take a middle ground between them.
 
 CH. XII.] AT WHAT TOIE NOTICE SHOULD BE GIVEN. 511 
 
 which hold that a notice so sent is sufficient, whicli is undoubt- 
 edly true, else the court only intended to state the general rule 
 without the qualifications. It is obvious that, if there is no 
 mail the next day, the notice cannot be sent by such a mail ; 
 and if by this rule is meant that notice must be sent at any 
 rate by a mail of that day, we should say that it is incorrect. 
 So, if the only mail which leaves on the day after dishonor 
 should close at 2 A. M., and leave at half past three, our 
 opinion is that notice need not be sent by that mail, but may 
 be forwarded by that of the next day. The most recent au- 
 thorities in wliich it has been necessary to pass directly upon 
 this point have so decided, and the rule, and, as we think, the 
 correct one, is affirmed to be, that the holder is bound to for- 
 ward the notice as early as by a mail of tlie day after dishonor 
 wliich does not start at an unreasonably early hour;(/) and if 
 there is no mail which leaves on that day after a reasonably early 
 hour, the notice is to be forwarded by the next mail which starts 
 
 {I) See the remarks of Johnnon, J., cited supra, p. 510, note fc. In Carter v. Burley, 9 
 N. H. 558, 570, Parker,C. J., after an able review of the authorities, and hiving down the 
 general rule that notice must be sent as early as by the mail of the day follovving dis- 
 honor, said : •' This rule, liowevcr, must be qualified so far that, if the party receiving 
 the notice cannot, by the exercise of reasonable diligence, forward notice to a prior 
 party by the mail of the day following, it will be sufficient if sent by the next. In this 
 country, where many of the mails go out at an early hour of the morning, and are 
 sometimes closed at an early hour of the evening before, it would be impracticable in 
 some instances, and nearly so in many more, to prepare and forward a notice by the 
 mail of the next day, where notice was received late in the afternoon, or in the even- 
 ing." In Sussex Bank v. Baldwin, 2 Harrison, 487, the judge charged the jury that 
 it was sufficient if the holder put the notice in the post-office on the day after he re- 
 ceived it. Held incorrect, and the rule was declared to be, that " the notice must be 
 sent on the day next after the third day of grace, unless the mail of that day go out at 
 so earh an hour as to render it impracticable by the exercise of a reasonable diligence." 
 So Chick V. Pillsbury, 24 Maine, 458, Sheylei], J. dissenting ; Mitchell v. Cross, 2 R. I. 
 437 ; Stephe-nson v. Dickson, 24 Penn. State, 148; Burgess v. Vreeland, 4 N. J. 71 ; 
 Lawson v Farmers' Bank, 1 Ohio State, 206 ; West v. Brown, 6 id. 542 ; Downs v. 
 Planters' Bank, 1 Smedes & M. 261 ; Deminds i'. Kirkman, id. 644 ; Hoopes v. New- 
 man, 2 id. 71 ; Fortncrc. Parham, id. 151 ; Wemple v. Dangerfield, id. 445 ; Davis v. 
 Hanly, 7 Eng. Ark. 645. See Moore v. Burr, 14 Ark. 230. In Farmers' Bank v. 
 Duvall, 7 Gill & J. 78, the bill was dishonored on April 22d. The mail closed on that 
 day at 9 P. M., six hours after the dishonor, and left the next morning at sunrise. The 
 next subsequent mail closed at 9 P. M. on the 24th, and left at sunrise on the 25th. 
 Held, that a notice might be forwarded by this mail. In Wemple v. Dangerfield, 2 
 Smedes & M. 445, the mail closed at 9 P. M. on the day of dishonor, and left at 4 A. M. 
 if the next day. The mail for the place where the indorser lived left only three times 
 a week. Held, thai notice need not be sent by that mail.
 
 512 NOTES AND BILLS. [CH. XIL 
 
 thereafter. (w.) With respect to what is not a reasonably early 
 hour no precise rule can be laid down, except that, in general, 
 the limit must be defined by business hours, which depend upon 
 the particular habits of the mercantile community in each 
 place, (w) and from this fact arises much of the discrepancy 
 which we find in the cases upon the point. (o) 
 
 (m) Parker, C. J., supra, note /. See Chick v. Pillsbiiry, 24 Maine, 458 ; Lawson 
 r. Farmers' Bank, 1 Ohio State, 206; Downs v Planters' Bank, 1 Smedes & M. 261 ; 
 Wemple v. Dangerfield, 2 id. 445, supra, note / ; Farmers' Bank v. Duvali, 7 Gill & J. 
 78, supra, note /. In Davis v. Hanly, 7 Eng. Ark. 645, where the mail went out at an 
 unreasonably early hour of the day after the notice was received, the court held it un- 
 necessary to send the notice by that mail, although the next mail does not appear to 
 have started until a week from that time. 
 
 (7i) Sussex Bank v. Baldwin, 2 Harrison, 487, 494 ; Mitchell v. Cross, 2 R. I. 437. 
 
 (o) In Hawkes v. Salter, 4 Bing. 715, 1 Moore & P. 750, the bill was dishonored on 
 Saturday. The mail left at half past 9 A. M. An opinion was expressed, though it 
 was not actually decided, that it was sufficient to forward the notice by that mail ou 
 Tuesday. It will be seen that Sunday is not counted in such cases. This case has 
 been cited and considered as supporting the opinion of Chancellor Kent, supra, p. 508, 
 notec; but it would not seem to do so. The court did not lay down any rule, but 
 simply stated that the notice might be sent by Tuesday morning's mail. We should 
 prefer to consider this as authority for saying that notice need not have been forwarded 
 by the mail on Monday morning, because it closed before business hours commenced 
 in the place where the bill was presented. It will be remarked, that the case states 
 that the mail left at half past 9. It might have closed at an hour or two earlier, so that 
 is would have been necessary to deposit the notice in the office as early as 8 A. M., in 
 order to have it transmitted on that day. In Mitchell v. Cross, 2 R. I., 3 A. M. was 
 said to be unreasonably early. 4 A. M. is too early. See Wemple v. Dangei-field, 2 
 Smedes & M. 445, supra, p. 511, note /. When the mail closes at 5 A. M., and there 
 is no mail until the second day after, notice may be sent by the latter. West v. Brown, 
 6 Ohio State, 542. The hour of sunrise is too early. Deminds v. Kirkman, 1 Smedea 
 
 6 M. 644. In this case the mail left at that time. See al.so Farmers' Bank v. Duvali, 
 
 7 Gill & J. 78, supra, p 511, note /. In Chick v. Pillsbury, 24 Maine, 458, the mail 
 closed at 6 A. M. and left at 7. Held, that notice need not be sent by It. So Davis 
 V. Hanly, 7 Eng. Ark. 645, where the next subsequent mail left a week thereafter. In 
 Stephenson v. Dickson, 24 Peiin. State, 148, an opinion was expressed that 7 A. M. was 
 not an unreasonably early hour. But in Commercial Bank v. King, 3 Hob. La. 243, 
 proof that notice was put into the post-office at 7 A M. was held sufficient, as the pre- 
 sumption was that it was in time to go by a miiil of that day. In Downs v. Planters' 
 Bank, 1 Smedes &. M. 261, proof that notice was deposited in the post-office at 9 A. M., 
 without proof that the mail closed earlier, was held insufficient. So Beckwith v. Smith, 
 22 Maine, 125. In Lawson v. Farmers' Bank, 1 Ohio State, 206, closing the mail at 10 
 minutes past 9 A. M. was held not to be unrea.sonably early. And the indorser was dis- 
 charged, because notice was not sent by it. The mail in this case left at 10 A. M. But 
 in Burgess v. Vreeland, 4 N. J. 71, an opinion was expressed, that where the mail closes 
 at half past 9 A. M. it is too early, and the holder is not bound to send the notice by 
 it. In this case it was held that j)roof that notice was put into the post-office at 12 M, 
 on the day after dishonor, without evidence that there was no nniil which closed before 
 that hour, was iiisunirjcnt. If the mail closes at half past 10 A M., notice should be
 
 CH. XIT.] AT WHAT TIME NOTICE SHOULD BE GIVEN. 51o 
 
 In England it has been held, that, if the parties live in the same 
 town, — and it is said that this means, especially as to London, 
 within the limits of the penny-post, — notice must be given ii. 
 such season that it will be received, in due course of delivery, 
 on some part of the next day.(jt>) 
 
 Each party bound to give notice has the same time, after he 
 receives the notice, within which to transmit it to the party to 
 whom he wishes to look,(g) that the holder has ; so that, in ac- 
 cordance with what we have already seen, if a party receives the 
 notice from a subsequent party on one day, he is not bound to 
 transmit it to a prior indorser until the next day, and not then, 
 if the mail leaves before business hours. Thus, if a note falls 
 due and is dishonored on Monday, and there are four indorsers, 
 A, B, C, and D, the holder may give notice on Tuesday to D. 
 D, receiving the notice on Tuesday, is not bound to mail it until 
 Wednesday, and if C receives it by due course of mail on Thurs- 
 day, he is not bound to forward it to B until Friday, and B may 
 then notify A on the day after B receives it. If all these notices 
 were thus regularly given, the owner would hold all the in- 
 dorsers, although he had notified but one, and though the first 
 indorser had not received the notice until five days after dis- 
 honor, and each indorser would hold all who were regularly 
 notified, whether by him or by other parties. But the owner 
 
 sent by it. See U. S. v. Barker, 4 Wash. C. C. 464. In Seventh "Ward Bank v. Han- 
 rick, 2 Story, 416, the mail closed at half past 3 P. M. Held, that the plaintiff must 
 prove that he deposited the notice in the office in season to go by that mail. 
 
 (p) In Smith v. Mullett, 2 Camp. 208, the plaintiff received notice on May 20ih, and 
 transmitted it to the defendant the next day, but so late that it was not delivered by the 
 penny-post until the 22d. The defendant was discharged Lord EUenhorough said, 
 that the notice might as well have remained in the plaintiff's writing-desk as in the 
 post-office on the night of the 21st, and that consequently the plaintiff was guilty of 
 laches. See Hilton v. Fairclough, 2 Camp. 633. In Dobree v. Eastwood, 3 Car. & P. 
 250, the notice was deposited between 5 and 6 P. M. The judge charged the jury, that, 
 if it was deposited in season to be delivered by the penny-post of that day, the indorser 
 would be held ; otherwise, not. Verdict for the defendant. The burden is on the plain- 
 tiff to prove that he put the notice in the office in season to be received on that day. 
 Fowler ». Hendon, 4 Tyrw. 1002. The postmark is not conclusive as to the time. 
 Stocken v. Collin, 7 M. & W. .515, where the general rule is also laid down. 
 
 (q) Farmer v. Rand, 16 Maine, 453; Carter u. Burley, 9 N. H. 558; Manchester 
 Bank v. Fellows, 8 Foster, 302 ; Manchester Bank v. White, 10 id. 456 ; Sussex Bank 
 V. Baldwin, 2 Harrison, 487 ; Lawson v. Farmers' Bank, 1 Ohio State, 206 ; Smith r. 
 Roach, 7 B. Mon. 17 ; Triplett v. Hunt, 3 Dana, 126 ; Whitman v. Farmers' Bank, a 
 Port. Ala. 258. 
 
 VvL. I.-2 II
 
 514 NOTES AND BILLS. [CH. XH 
 
 would hold none but those regularly notified, and thus he ruus 
 the risk of losing his claim against some of the parties by the 
 negligence or indifference of others. 
 
 He may choose to make this sure, and this he may do by noti- 
 fying all the parties himself. But he has only his own day within 
 which to do this, and not tlie day of the others ; and he must 
 therefore issue all his notices on the day after that of dishonor, 
 unless there is no :r>ail that day, or none that leaves or closes 
 after business hours. 
 
 So it is with the other parties ; each has his own time, and 
 only that.('r) Thus, in the case above supposed, A is held, pro- 
 vided all the intermediate notices were duly given. But if he 
 was notified personally only on Thursday by D, who received the 
 notice on Tuesday, and should have sent it on Wednesday, A is 
 not liable to any one. D is liable to the holder ; but if tlie latter 
 sues A on the ground that he was notified two days sooner than 
 it was necessary that he should be. and earlier than he would 
 have been had D notified C, and C B, and B A, a sufficient 
 answer is, that this delay was the right of the others, and not the 
 right of D. 
 
 If one party gives notice earlier than he is obliged to, this will 
 not lengtlien the time of any other party ; or, in other words, the 
 over diligence of one party is no excuse for the under diligence 
 of another. (s) An agent, to whom a note or bill is indorsed for 
 collection, has the same time within which to notify his principal, 
 and the principal the prior parties, as if the ngent were the real 
 owner ;(i) it has however been recently held in England that this 
 
 (r) Rowe v. Tipper, 13 C. B. 249, where the third indorser notified the second on 
 the next business day after dishonor, and the first on the day subsequent to that. The 
 second indorser gave no notice. Held that the first was not liable to the tliird. See 
 Dobree v. Eastwood, 3 Car. & P. 2.50 ; Simpson v. Turney, .") Humph. 419. 
 
 [s) Turner v. Leech, 4 B. & Aid. 451 ; Smith v. Muliett, 2 Camp. 208 ; Carter v. 
 Hurley, 9 N. H 558 ; Manchester Bank v. Fellows, 8 Foster, 302 ; Fai-mer v. Hand, 
 16 Maine, 453 ; Brown i-. Ferguson, 4 Leigh, 37 ; Etting v. Schuylkill Bank, 2 Penn. 
 State, 355. 
 
 (0 Bray v. Hadwcn, 5 M. & S 68 ; Daly v. Slater, 4 Car. & P. 200 ; llobson v. 
 Bennett, 2 Taunt. 388 ; Langdale «. Trimmer, 15 East, 291 ; Firth v. Thrush, 8 B. 
 & C. 387 ; Scott v. Lifford, 9 East, 347, 1 Camp. 24R ; llaynes v. Birks, 2 Bos. & P. 
 599; Ogdcn v. Dobbin, 2 Hall, 112; Bank of the United States v. Davis, 2 Hill, 451 ; 
 Crocker v. Getehell, '23 Maine, 392 ; Sussex Bunk v. Baldwin, 2 Harrison, 487 ; Fos- 
 ter r. McDonald, .') Ala. 34 ; (iindrat v. Mechanics' Bank of Augusta, 7 id. 324 ; Hill 
 t. Planters' Bank, 3 Humph. 670 ; Grand Gulf II. & B. Co. v. Barnes, \^ li<;b. La
 
 CH. XII.] AT WHAT TIME NOTICE SHOULD BE GIVEN. 515 
 
 allowance of a day docs not apply between the agent of the holder 
 and the holder himself. (^^) 
 
 No one is required to give notice on Sunday, (m) or any well- 
 established holiday. (u) If such day intervenes, it is not counted, 
 but adds one more day of allowable delay. Thus, if a notice is 
 received on Saturday, it need not be forwarded until by some mail 
 on Monday, leaving or closing after business hours commence, or 
 if there be no mail, by the next one ; and this is so even if there 
 is a Sunday mail.(?r) 
 
 It has been held, that, although notice is received on Sunday, 
 the party receiving is not obliged to transmit it before Tuesday, 
 because he is not bound to open the letter on Sunday, and it is to 
 be considered as received on Monday. (.r) It has also been held that 
 a party may if he pleases forward a notice on a holiday.(y) 
 
 Although a notice need not be forwarded before the day after 
 dishonor, or its reception, still there is no reason why it may 
 not be transmitted on that ver}- day, after due presentment 
 and demand.(2) In some States, as we have seen, suit may be 
 
 127 ; Colt V. Nohle, 5 Mass. 167 ; Church v. Barlow, 9 Pick. 547 ; Bank of the United 
 States V. Goddard, 5 Mason, 366. See Talhot v. Clark, 8 Pick. 51. The same rule iipi)lies 
 to the several branch hanks of the same establishment. Clode v. Bayle}', 12 M. & \V. 51. 
 
 (tt) In re Leeds Banking Co. Law Pep. 1 Eq. 1. 
 
 (u) Haynes v. Rirks, 3 Bos. & P. 559 ; Jameson v. Swinton, 2 Camp. 373, 2 Taunt. 
 224; Poole v. Dicas. 1 Bing. N. C 649; Jackson v. Richards, 2 Caines, 343; Wil- 
 liams ». Matthews, 3 Cowen, 252 ; Eagle Bank v. Chapin, 3 Pick. 180 ; Seventh Ward 
 Bank v. Hanrick, 2 Story, 416; Agnew r. Bank of Gettysburg. 2 Harris & G. 478; 
 Burckmyer v. Whitoford, 6 Gill, 1. See Triplett v. Hunt, 3 Dana, 126; Etting v. 
 Schuylkill Bank, 2 Penn. State, 355 ; Jones v. Wardell, 6 Watts & S. 399. 
 
 (v) Cuyler ». Stevens, 4 Wend. 566, where the third day of grace was July 4th. In 
 Lindo V. Unsworth, 2 Camp. 602, the hill was dishonored on Saturday. Monday was 
 a Jewish festival. The plaintiff, a Jew, gave notice to the indorser on Tuesday, and 
 the hitter was charged. See also Martin v. Ingersoll, 8 Pick 1. 
 
 (iv) Howard v. Ives, 1 Hill, 263, where the mail closed Saturday at 3 P. M. There 
 were two mails on Sunday and two on Monday, one of which closed early in the 
 morning and the other in the afternoon. Notice sent by the last mail was held suf- 
 ficient. 
 
 {x) Wright V. Shawcross, 2 B. & Aid. 501, note. See Bray v. Had wen, 5 Maule ft 
 S. 68 ; Deblieu.K v. BuUard, 1 Rob. La. 66. 
 
 ()/) Dehlieux v. Bullard, 1 Rob. La. 66, where it was given on the 4th of July ; ^far^ 
 rin, J. said it might be given on Sunday. 
 
 (z) Bussard v. Levering, 6 Wheat. 102, where the notice was given on Saturday, 
 Sunday being the third day of grace ; Lindcnberger v. Beall, id 104 ; Corp v. M'Comb, 
 1 Johns. Cas. 328 ; Thorpe v. Peck, 28 Vt. 127, where the note was payable at a bank, 
 «nd notice was given before the close of banking hours ; Smith v. Little, 10 N. H. 526 ; 
 Manchester Bank v. Fellows, 8 Foster, 302 ; Coleman v. Carpenter, 9 Penn. State, 178 ; 
 Lawson ». Farmers' Bank, 1 Ohio State, 206; Haslett v. Ehrick, 1 Nott & McC. 116, 
 •Abe'-e the maker was notified bv the hank where the note was, that it was in .hei'
 
 516 NOTES AND BILLS. [CH. XH 
 
 commenced on the day of dishonor ; but in such case it is neces- 
 sary to send the notice to, or to notify tlie party to be charged, 
 before the commencement of the action. (a) But there are de- 
 cisions to the effect that no suit can be commenced on tliat day, 
 and some tliat it cannot be brought before the time when it may 
 be supposed that, by the regular course of the mail, the party to 
 be charged has received the notice. (Z>) 
 
 If notice is given too soon, it is of no avail. In Massachusetts 
 it is held, that where a note is neither payable at a bank nor put 
 in a bank for collection, notice to the indorser immediately after 
 the close of bank hours, no demand having been made on the 
 maker, is invalid. (c) 
 
 The burden of proving due notice is upon the plaintiff,(c?) 
 whose duty it is to give it in a way capable of proof. It should 
 also be proved distinctly. Thus, if the witness says the notice 
 was sent in two or three days, and two are enough, but three 
 not, and there is nothing to define this testimony, it will not be 
 sufficient evidence to find a verdict for the plaintiff, (e) 
 
 It has been held to be sufficient for any indorser to show that 
 the indorser whom he wishes to hold received the notice as soon 
 as he would have received it liad all the subsequent indorsers 
 used the period of time to which they are severally entitled, and 
 
 hands, and rcquestin<^ him to "please have it settled by 9 o'clock to-morrow, and 
 prevent its being returned for protest" After business hours the notice was sent to 
 the indorser, the note being still unpaid, and the indorser was held. Curry v. Bank of 
 Mobile, 8 Port. Ala. 360 ; Crenshaw v. M'Kiernan, Minor, 295 ; MeClane v. Fitch, 4 B. 
 Mon. 599. See Stivers v Prentice, .3 id. 461 ; Burbridge v. Manners, 3 Camp, 193 ; Ex 
 parte Moline, 19 Ves. 216, 1 Rose, 303; Hartley v. Case, 1 Car. & P. .55.'3, 4 B. & C. 
 339; Lord Alvanlei/, C. J., Haynes v. Birks, 3 Bos. & P. .'J99, 602; DiiijIpij, J., Cocks 
 V. Masterman, 9 B. & C. 902, 909. In Leftley v. Mills, 4 T. R. 170, Lord Kenipu ex- 
 pressed an opinion that the maker or acceptor could not be considered in default 
 until the next day, leaving the whole of the last day to pay in ; but Duller, J. expressed 
 nn opinion to the contrary. 
 
 {ii) Siipiii, p. 411. 
 
 (I)) Supra, p. 411. 
 
 [c) Pierre v. Cute, 12 Cush. 190. See also Pinkham v. Macy, 9 Met. 174. 
 
 ((/) In Ilal.sey v. Salmon, IVniiiiig. 667, the dcmjuid was set ont in the declaration, 
 and the fact that the defendant had notice thereof, but did not state any time. Held 
 insufficient. In Sussex Bank v. Baldwin, 2 Harrison, 487, the plaintiff's witness testified 
 that lie mailed the notice, hut could not tell when Held insufficient evidence to prove 
 notice. So Warren v. Oilman, LO Maitic, 70; Lockwood v. Crawford, 18 Conn. 361, 
 where the only evideni'i; was the fact that th(! holder, being an inmate of the defendant''' 
 family, itiformed fiim of the dishonor. 
 
 ((') Lawson v SliilfiuT, 1 Staik. 3)4.
 
 CH. XII.] AT WHAT TIME NOTICE SHOULD BE GIVEN. 517 
 
 taking into consideration the time necessarily occupied by the 
 usual course of the mail between their respective places of busi- 
 ness or of residence, (/) and that it will then be open to tho 
 defendant to prove that any of these parties delayed trans- 
 
 (/) In Marsh v. Maxwell, 2 Camp. 210, note, "Lord Elknboronyh ruled, that, upon 
 the dishonor of a bill, it is enough that the drawer or indorser receives notice in as many 
 days as there are subsequent indorsers, unless it is shown that each indorser gave notice 
 within a day after receiving it ; as if any one has been beyond the day, the drawer and 
 prior indorsers are discharged." In Ettiug v. Schuylkill Bank, 2 Penn. State, 355, the 
 third indorser sued the second. The first three indorsers lived in Philadelphia, the 
 fourth in New York, the fifth in Newark, N. J. The place of payment was Elizabeth- 
 town. The note was due Oct. 4th. Oct. 6th was Sunday. The defendant received 
 notice Oct. 8th. This is all the evidence reported. The court said that the notice was 
 in sufficient time, though the case turned upon another point. Gibson, C. J said : 
 " The general rule is, that when notice is given by the holder directly, it is soon 
 enough if it reach the particular indorser as soon as it would have reached him circui- 
 tously through the subsequent indorsers, each of whom are entitled to an entire day, if 
 he chose to insist on it, to hand it on ; the only limitation to which is stated in Marsh 
 
 V. Maxwell, 2 Camp. 210, note, by Lord Ellenborough In other words, that there 
 
 shall not be a longer link in the chain than the space of a single day; and that the holder 
 shall not affect the indorser with notice after he has been discharged from liability to the 
 subsequent indorsers. In this case there was no evidence of circuitous notice, and a 
 day was properly allowed for each intervening party." In Jones v. Wardell, 6 Watts 
 & S. 399, the drawer lived in Philadelphia, and the payee and first indorser in New 
 York. The second indorser was the Bank of Syracuse, by which the bill was indorsed 
 to the Bank of Rochester, which was the place of payment. The bill was protested 
 December 28th. On January 3d the notice was mailed to Philadelphia, where it arrived 
 on January 4th. Sunday intervened. This is all the evidence reported on this point, 
 and the court held that the evidence was sufficient to sustain a verdict in favor of the 
 first indorser against the drawer. Rogers, J. said : " By whom, or in what manner, or 
 to whom it was transmitted to the city of New York, or by whotn it was mailed to Phil- 
 adelphia, does not appear. The supposition is, that the business was transacted in the 
 usual course ; thac is to say, that the notice of protest was sent to the Syracuse Bank, 
 by them to the payee in New York, by whom it was sent by mail to the drawer, who 
 resides in Philadelphia. The Bank of Rochester, to whom it was sent for collection, 
 in the absence of all information to the contrary, had a right to suppose that the parties 
 to the bill lived in New York ; it would, therefore, be unreasonable to require that the 
 notice should be sent direct to the drawer, and this explains the reason of the direction 
 which the notice took. As a matter of law, therefore, we incline to the opinion that 
 this was a reasonable notice of the dishonor of the bill ; for, allowing one day to each 
 of the parties to the bill, and one day for Sunday, which was an intervening day, 
 greater diligence could not reasonably be required, when it is remembered that Roch- 
 ester is four hundred miles from New York, and consequently five hundred from 
 Philadelphia, where the drawer resided." One difficulty in the above cases is the 
 want of evidence as to the course of the mails and the time necessarily occupied in 
 their transmission from one place to another; or, in other words, it may perhaps be 
 objected, that the court cannot judicially take cognizance of the time thus occupied, 
 without any proof. Thus, in Carter v. Burley, 9 N. H. 5.58, a suit by the second in- 
 dorser against the first, the third indorser lived in New York, the second in Boston, and 
 
 VOL. I. 44
 
 518 NOTES AND BILLS. [CH XD. 
 
 mitting the notice beyond the time the law allows, which will, 
 in accordance with the rules already laid down, be a good 
 defence, (i^) 
 
 We think tiiat evidence should be adduced by the plaintiff to 
 show the time occupied by the mail between the places, as it is 
 difficult to see how tlie court can take judicial cognizance of it. 
 Perhaps the proposition should be further qualified by requiring 
 the plaintiff to prove that he transmitted the notice to his prior 
 indorser, or to the one whom he wished to hold, within the 
 requisite time, tlius clearing himself at least of all imputation of 
 neglect or laches. (A) 
 
 This question may also be important with reference to the 
 point whetlier notice was put into the post-oftioe in season to go 
 by the mail of the next day after dishonor, or the reception of 
 the notice. It would seem to follow, from the cases which we 
 have already cited, (t) that it will be sufficient to prove that t\ie 
 notice was in each case deposited before business hours of the 
 next day, because the plaintiff would by this show that he had 
 done all that was required of him.(j) But if the only evidence 
 was, that it was deposited after business hours of that day com- 
 menced, then it would seem necessary at least to show that there 
 was no mail between the commencement of business hours and 
 the time of depositing the notice in the office. (/?) We have 
 
 the third in New Hampshire. The note was protested in Philadelphia, October 4th, 
 The agent of the third indorser received on October 8th or 9th a notice from his prin- 
 cipal, dated October 6th, and notified the plaintiff the same day, who also notified the 
 defendant on that day. A verdict for the plaintiff was set aside. Parker, C. J said : 
 " There is no evidence in this case of the course of the mails, nor does it appear 
 whether there was a party at Philadelphia, nor at what time or in what manner notice 
 was sent from that place, nor when it was received by Hutchinson in New York. 
 The objection on this [)art of the case is well taken, and for this reason the case musl 
 be sent to a new trial." This case does not appear to conflict with the proposition in 
 the text. It proceeded mainly ui)on the ground tliat there was no evidence as to thu 
 time occuj)ied by the mails, a fact of which the court could not take judicial cogni- 
 zance. There was atso a greater length of time than could be reasonably accounted 
 for between the day of protest and October 9th. 
 
 {;/) Supra, p. 000. 
 
 (//) Hut this does not set^m to have been adverted to in the cases cited supni, p. .516, 
 not(! /j although in both cases it ajipcared that the plaintiffs transmitted their notices 
 within their time. 
 
 (;') Supra, p. .511, not(! /. 
 
 ( /) Sr.c (-ommcrcial Mank ik King, .3 Hob. I^a 24'5, supra, p. 512, note o. 
 
 {If) Seventh Ward Mank v. ILinrick, 2 Story, 416 ; Hurgess v. Vrecland, 4 N.J. 71 ; 
 Downs V. Planters' liank, 1 Smedes & M. 261 ; Beckwith v. Smith, 22 Main-, 125
 
 CH. XII.] AT WHAT TIME NOTICE SHOULD BE GIVEN. /^19 
 
 already seen,(Z) that, in order to charge an indorser of a note 
 payable on demand, presentment must be made within a reason- 
 able time. But if, after such presentment, the note is dislion- 
 ored, there is no good reason why the same rules as to the time 
 within which notice is to be forwarded to the indorser should not 
 apply, as in the case of other notes and bills. (m) 
 
 We have also seen (n) that a note or bill in wliicli no time of 
 payment is specified is to be considered as payable on demand. 
 We should say in this case also that notice should be given 
 within the same time as in other cases. (o) 
 
 It has already been remarked, (^) that a note indorsed wlien 
 overdue is by the best authorities considered equivalent to a note 
 or bill on demand, though some cases hold that the same strict 
 rules are not to be applied. It has been said that the holder has 
 a reasonable time after presentment within which to notify the 
 indorser, and that this reasonable time may be so long as tvv(> 
 months, (^) and an opinion has been expressed that no notice at 
 all is necessary, (r) To maintain these views would seem to be 
 
 For the facts of these cases, see supra, p. 512, note o. In Moore v. Burr, 14 Ark. 230, 
 the notary's deposition stated that the notice was deposited in the post-office on the next 
 business day after dishonor, " in time to go by the first mail thereafter." Held insufficient 
 to chary;e the defendant, because there was no proof that it was deposited in time to go 
 by the first convenient mail, if any, of that day. 
 
 (/) Supra, p. 263, et seq. 
 
 (m) In Field v. Nickerson, 13 Mass. 131, part of the instruction of the judge at Nisi 
 Prius was, that " immediate notice" was requisite. Held correct. No objection to the 
 charge on this point appears to have been laised by counsel or adverted to by the court. 
 In Seaver v. Lincoln, 21 Pick 267, Shaw, C. J. said : " Demand being made on the 
 makers at Fall River, notice to the indorser, at the distance of twenty-four miles, on the 
 succeeding day, was within due time." It is laid down in the following cases that the 
 same rule applies as to giving notice. Lord v. Chadbourne, 8 Greenl. 198; Perry v. 
 Green, 4 Harrison, 61 ; Lockwood v. Crawford, 18 Conn. 361. In Nash v. Harring- 
 ton, 2 Aikens, 9, Hutchinson, J. said, that the notice ought to have been given the day 
 of the demand, the parties living near each other, in the same village. 
 
 (n) Supra, p. 381. 
 
 (o) Brenzer v. Wightman, 7 Watts & S. 264. 
 
 ip) Supra, p. 331. 
 
 (q) Savage, C. J., Van Hoesen v. Van Alstyne, 3 Wend. 75. This opinion is com- 
 mented upon, and its correctness denied, by Church, C J., in Lockwood v. Crawford, 
 18 Conn. 361. 
 
 (r) O'Neall, J., Gray v. Bell. 3 Rich. 71, supra, p. 381, note j. See Bank of North 
 America v. Barriere, 1 Yeates, 360. In the following cases it is said that the same 
 strict rules as to notice do not apply. Duncan, J., M'Kinney v. Crawford, 8 S. & 
 R. 351 ; Hall v. Smith, 1 Bay, 330; Rugely v. Davidson, 4 Const. R. 33; Brock 
 B. Thompson, 1 Bailey, 322, where three demands appear to have been made, and
 
 520 NOTES AND BILLS. [CH. XH. 
 
 introducing unnecessary distinctions, and in our opinion the 
 notice should be transmitted as soon in the case of such notes 
 and bills as of any others. (s) 
 
 If the analogy between notes and bills on demand, and those 
 indorsed when overdue, and notes and bills payable at sight, is to 
 be carried out, the same notice of dishonor would certainly be 
 requisite, for no distinction that we are aware of has ever been 
 attempted to be drawn between the time necessary in forwarding 
 notice to an indorser of a bill at sight, and one in which there is 
 a fixed time for payment. 
 
 notice given only of the last. A verdict for the plaintiff was sustained. In Chad- 
 wick V. Jeffers, 1 Rich. 397, it is said that the duty of the holder as to notice, in such 
 cases, is limited to the use of such dilig^cnce that the indorser suffers no injury 
 throujrh his neglect. Knowledge by the indorser that the maker was sued, at or imme- 
 diately after tlie commencement of the action, was held sufficient notice, in Benton t. 
 Gibson, 1 Hill, S. Car. 56; Chadwick v. Jeffers, 1 Rich. 397 ; Gray ». Bell, 3 id 71, 
 2 id. 67. In the last case the writs were served simultaneously, and it was contended 
 that there could be no such knowledge. But the court held the evidence sufficient to 
 sustain a verdict for the plaintiff. 
 
 (s) It is said, in the following cases, that the same rules applied. Berry v. Robinson, 
 9 Johns. 121 ; 'Bishop v. Dexter, 2 Conn. 419 ; Ecfert v. Des Coudres, 3 Const. R. 69 ; 
 Course v. Shackleford, 2 Nott & McC. 283. In these cases there had been neither de- 
 mand nor notice. In Poole v. ToUeson, 1 McCord, 199, there had been a demand, but 
 no notice, and the indorser was discharged. Richardson, J. expressly said, that imme- 
 diate notice should have been given, as in any other case. See his remarks, cited 
 Kupra, p. 382, note m. In Rice v. Wesson, 11 Met. 400, the holder made a demand 
 some time before he was obliged to, in the opinion of the court, and two week« 
 afterwards made another. He gave notice of the last demand only. The court dis 
 ei»arged the indorser for the neglect to notify him of the first demand.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 521 
 
 CHAPTER XIII. 
 
 OF EXCUSES FOR WANT OF NOTICE. 
 
 It may be doubted whether any branch of commercial law, 
 somewhat narrow in itself, exhibits so large a number of cases, 
 and so boundless a variety in their facts and the conclusions from 
 them, as those which relate to the subject of this chapter. It is 
 not easy to imagine any circumstance attending non-notice which 
 in some form or other is not urged as an excuse for it. And the 
 decisions of the courts permit autliorities to be cited on both 
 sides of almost every question. 
 
 In our endeavor to present the law on this subject witli what- 
 ever distinctness may be possible, we shall be aided by some 
 previous general considerations as to the kinds and classes of 
 these excuses. Some of them are so peculiar, that it is difficult 
 to arrange them in company with any others, or to bring them 
 under any general head. We may, however, on the whole, place 
 all these excuses (all which have passed under adjudication, 
 whether they have been deemed sufficient or otherwise) in four 
 broad divisions. 
 
 The first of these is the excuse arising from the entire absence 
 of necessity or utility, because tlie party who should receive the 
 notice must know tlie facts as well as the party who should give 
 it. If, for example, A draws on liimself, payable to himself, and 
 tlien accepts, and then indorses, a holder need not first demand 
 of him as drawee, and tlien notify liim of non-payment as drawer, 
 and then notify him again as indorser. And we shall see in 
 what way and to what extent tliis principle is appUed, not where 
 a person can be proved to have had knowledge in fact, for it is 
 certain that this is no excuse for tlie want of regular notice, 
 but wiiere the person must of necessity have the knowledge by 
 presumption of law, as where a firm draws upon itself, or where 
 Bome member or members of a firm draw on the firm. 
 
 44*
 
 522 NOTES AND BILLS. [CH. XHI. 
 
 The next excuse is actual impossibility. The ground of this 
 is, that the law lays upon no man an impossible duty. But this 
 impossibility may arise from some circumstance, such as the 
 death of tlie party, which excuses delay only, and not entire 
 want of notice ; or from some obstruction which may be tempo- 
 rary only, as war, sickness, or tempest, which excuses delay or 
 entire want of notice, according to the circumstances of the case ; 
 or the utter inability to find the party to be notified, or his house 
 or place of business, which is a complete excuse, unless it is 
 removed by the efforts which the law requires, and then it will 
 be seen to excuse delay only. Perhaps the questions presented 
 by insolvency, and by the recurrence of days in which the law 
 forbids labor or permits idleness, may best be considered under 
 this head. 
 
 These two classes of excuses are far loss frequent than the 
 third, which is grounded on the fact tha*" die party to be notified 
 had no right whatever to draw or to ihdorse, and could not, by 
 acting iu his own wrong, acquire any right against others. 
 
 The fourth and last class of excuses consists of those which 
 allege a waiver. The ground on which all excuses of this 
 class rest is, that the right to require notice may of course be 
 given up, and that it has been, in the case in question, vol- 
 untarily abandoned and renounced ; and that this has been 
 done expressly, or by circumstances which mean and imply 
 thih waiver. 
 
 All of these classes of excuses we shall now proceed to con- 
 sider, and shall endeavor to illustrate the rules of law respecthig 
 them by a copious citation of authorities, and shall close this 
 chapter with some general rennwks on the subject of it.
 
 CH. XUI.] EXCUSES FOR WANT OF NOTICE. 523 
 
 SECTION I. 
 
 OF EXCUSES FOR NON-NOTICE, GROUNDED ON THE NECESSARY KNOWL 
 EDGE BY THE PARTY TO BE NOTIFIED. 
 
 It has been held, that where a note is made by one firm and 
 indorsed by anotlier, and one of the partners of tlie indorsing 
 firm is also a partner of the making firm, demand is necessary, (^) 
 and by a reasonable implication notice might be here necessary. (m) 
 
 {t) Dwight V. Scovil, 2 Conn. 65-t. Swift, C. J. said : " The circumstance that ona 
 of the defendants was a member of both tlie companies who made and indorsed the note 
 can make no difference ; for each company is to be considered as distinct persons, 
 with different funds and liabilities ; and there is the same reason for presentment and 
 demand as if the companies were wholly different. If the companies should reside in 
 different and distant places, the drawing of bills on eacli other might be convenient in 
 the course of their business ; but, on the principle contended for, the company drawing 
 the bill might be subjected to pay it, because one of the partners belonged to both com- 
 panies when the company on which it was drawn was solvent, and would have paid 
 the bill if it had been presented. It is said that notice to one partner is notice to all; 
 and that here one of the defendants knew that the note was not paid. It is true that 
 one of the defendants must, in legal consideration, have known that the note was not 
 paid ; but he equally well knew that the note, when it became due, had not been pre- 
 sented to the makers, and payment demanded ; he knew the fact that exonerated the 
 defendants from all liability on their indorsement to pay the note, and it would be 
 strange logic to say that this knowledge rendered the defendants liable." 
 
 ((/) But the point may still, however, be considered as an open one. In West 
 Branch Bank v. Fulmer, 3 Penn. State, 399, the note was made by one firm and 
 indorsed by another. All the indorsers were partners in the firm which made the 
 note, which firm had two additional members. No notice to the indorsers was held 
 necessary. Gibson, C. J. said: "As to the liability of the indorsers, it is enough 
 that it was decided in Porthouse v. Parker, 1 Camp. 82, in an action by the payee of a 
 bill against the drawers, that, as the acceptor also happened to be a drawer, there was 
 no necessity for notice to him, because the fact of dishonor was known to him ; and 
 that the knowledge of one was the knowledge of all. Now, putting the makers in this 
 case in the place of their equivalent, the acceptor, in that, we find that the principle 
 of the decision covers the whole of our case ; and it is fortified by Taylor v. Young, 
 3 Watts, 339, in which it was recognized, and by Gowan v. Jackson, 20 Johns. 1 76, in 
 which it was reasserted. But it is argued, that, though Cochran & Perry were liable 
 
 as makers, notice to them as indorsers was requisite to make them liable as such 
 
 If, however, the use of notice is to give a drawer or indorser a seasonable opportunity 
 to arrange his affairs with the acceptor or maker, it must be as available in its conse- 
 quences when it is given to him in the one character as when it is given to him in the 
 other. The principle of Porthouse v. Parker is, that knowledge is notice ; and the 
 effect of it is, that knowledge of the one firm was the knowledge of the other. It 
 would be absurd in an indorser to complain that he had not lieen served with formal 
 notice of what was known to him, or that he was prejudiced for want of it. As, then, 
 it was as much the business of Cochran & Perry as it was the business of the other 
 m'imbers of the firm of Beers, Cochran, & Co. to provide for the payment of their joint
 
 524 NOTES AND BILLS. [CH. XIIL 
 
 But where a partner draws upon a firm of which he is a member, 
 he is not entitled to notice; (y) nor, it would seem, where drawers 
 draw on their own firm, which has other members, although it 
 would be otherwise if the bill were drawn after a dissolution. (i/;) 
 
 note at its maturity, and as they all knew that provision had not been made for it, 
 proof of notice to Cochran &• Ferry would have been superfluous in an action against 
 them as indorsers." It may well be doubted whether any valid distinciion can be 
 made on this point between the case where the two firms contain one common mem- 
 ber, and where they contain more than one. 
 
 {v) llhett V. Poe, 2 How. 4.57, where the bill had l)eeii accepted. Fuller v. Hooper, 
 3 Gray, 3-34, where the bill was not accepted. So Gowan v. Jackson, 20 Johns. 176. 
 See Porthouse v. Parker, I Camp. 82. In this case the bill was drawn by an agent of 
 George, James, and John Parker upon John Parker, and accepted by an agent of the 
 latter. The head note of the case states that the drawers were a firm. This case is 
 cited by Byles on Bills, p. 223, as authority that notice to one of two or more parties 
 jointly liable is sufficient. This is true, as has been said, so far as relates to partners, 
 but incorrect with reference to other joint parties. 
 
 (w) In Taylor v. Young, 3 Watts, 339, the bill was drawn by James Taylor & Co. 
 on the Pittsburg Iron Co., in favor of S. K. Page & Co. The drawers, drawees, 
 and S. K. Page were partners. Tiie bill was dated Aug. 27th, and payable on demand. 
 The drawers iiad dissolved their connection with the drawees on Aug. 12th, which was 
 published in a newspaper of that date of which the holder was a subscriber. Notice to 
 the drawer was held necessary. Gibson, C. J. said : " It is argued, however, that, as 
 regards the holder, the drawers are to be considered as a partner firm of the house on 
 which the bill was drawn, and that presentment or notice was unnecessary, on the prin- 
 ciple of Porthouse v. Parker, I Camp. 82, in which notice was ruled to be superfluous 
 where the bill is drawn by several on one of themselves, since the acceptor, being like- 
 wise a drawer, is necessarily apprised of the material facts, and the knowledge of one 
 partner is the knowledge of all; the converse of wiiich was determined in Gowan v, 
 Jackson, 20 Johns. 176, and would be our case if the drawer here had been a member 
 of the general firm when the bill was drawn. But the fact is, it had retired, — notice 
 of its retirement was published on the 12th of Aug., and the bill was drawn on the 
 27th. To this, it is said, the fact of withdrawal may not have been known to the 
 holder when he took the bill. But of what importance is his ignorance ? It is said he 
 may have been induced to omit presentment and notice of non-payment by a belief that 
 a continuation of the relation in which the parties once avowedly stood had rendered 
 such a measure unnccessai^. Would a reasonable belief, founded on a notorious 
 course of dealing l)etweeu the parties, that the drawer had not funds in the hands of 
 the drawee, be equivalent to the actual fact, and operate as a dispensation from the 
 duty of presentment and notice? Of collateral facts like these the party must judge 
 at his peril. In analogy to the revocation of an agent's authority, notice of the di>:so- 
 lution of a parinership is necessary where the outgoing partner holds himself out to the 
 world as the representiitive of the firm, and attempts to i)ind it, but not where he acts 
 professedly and exclusively for himself. In respect to the first, the firm is hound for a 
 supincness whii'h, in trade, is (Mjuivalent to fraud in not apprising the i)ul)lic of the 
 ccssiitioti of u relation which enabled (!ach partner to contract for the whole. But in a 
 traiisuction where the outgoing partner professed to treat, not for the firm, but for 
 himself, it is not easy to perceive how the misconception of a fact that did not enter 
 into tiic terms of the contract can dispense with any of its incidents, or give the party 
 dealing witli him an advantage against him."
 
 CH. Xm.] EXCUSES FOR WANT OF NOTICE. 525 
 
 The question of notice of the dissolution might perhaps here 
 be important. (;t) 
 
 It has also been held, that notice must be given to the in- 
 dorser when one member of a firm makes a note and another 
 member is indorser, both parties signing in their own name, and 
 not in the name of the firm, although the note was given for 
 goods purchased for partnership purposes, and to be paid for by 
 partnership funds, (y) 
 
 SECTION II. 
 
 OF EXCUSES FOR NON-NOTICE, GROUNDED ON IMPOSSIBILITY OF NOTICE. 
 
 We have seen that the death of the maker is no excuse for 
 non-demand, (a) and, for a still stronger reason, it cannot be an 
 excuse for non-notice. (6) So, as it is no excuse for non-demand 
 that the indorser has been appointed administrator of the maker's 
 estate, (c) it is also no excuse for non-notice. (d^) 
 
 {x) Tlie remarks of Gibson, C. J., cited supra, note lo, were obiter, as notice may per- 
 haps have been brought home sufficiently to the holder; also, as the learned judge 
 remarked, the bill having been received from the payee after maturity, the holder was 
 bound by the obligations of the payee at the time of indorsement, and the latter was 
 well aware of the dissolution. 
 
 (y) Foland v. Boyd, 2.3 Penn. State, 476, where one of the partners refused to sign 
 the note as maker, but consented to indorse it. Knox, J. dissented. Lowrie, J., deliv- 
 ering the opinion of the court, said: " We discover no substitute for notice, and no 
 excuse for its omission ; and such was the view taken elsewhere in a very similar case, 
 Morris v. Husson, 4 Sandf 93. This is not like the cases where a note has copartners 
 for the makers, and some of them for indorsers ; and where, of course, the knowl- 
 edge of the dishonor by the makers is chargeable on them as indorsers. This "uit is 
 upon the note, a contract by which the maker and indorser stand severally a^d not 
 jointly related to the plaintiff, the duties of each being different ; and it cannot at all 
 be said that one is liable for the other, except according to the contract, or that one is 
 chargeable with the knowledge of the breach of contract of the other. Though they 
 were partners in the original purchase, that does not confound this contract so as to 
 allow a demand to be made of the indorser, and notice to the maker, or no notice or 
 demand at all, which is really the effect of what is claimed here." 
 
 (a) Supra, p. 445. 
 
 {b) Price V. Young, 1 Nott & McC. 438 ; Gower v. Moore, 2.5 Maine, 16, where the 
 maker's estate was insolvent, and this was known to the indorser. So where the de- 
 mand on the maker's administrator is unnecessary, because the latter is not liable, by 
 statute, until after a certain period, notice should be given. See Hale v. Burr. 12 
 ^fass. 86. 
 
 (c) Supra, p. 445, note /. 
 
 (</) Juniata Bank v. Hale, 16 S. & R. 157. It is not clear from the case what kind
 
 526 NOTES AND BILLS. [CH. XIII. 
 
 But it cannot be deemed certain what will constitute notice in 
 such a case. It may be inferred, perhaps, from some authorities, 
 tiial a demand on the indorser as administrator, and a notice to 
 him as indorser, are necessary to charge him as indorser. (e) 
 But it is not easy to see why a proper demand on him, with a 
 due presentment of the note, does not necessarily contain all the 
 essential elements of a regular notice. And it would appear to 
 be superfluous, if not absurd, to require the holder to say, when 
 the demand was ineffectual, " Take notice tliat this bill has been 
 dishonored by you." The only ground for the requirement can 
 be, that the indorser must be told that he is looked to personally 
 for the payment of the note of the deceased. (/) 
 
 Where the indorser is dead, notice must be sent to his execu- 
 tor or administrator ; and if no person has been appointed, or it 
 cannot be ascertained by the use of due diligence who or where 
 he or they who have been appointed can be found, notice must 
 be forwarded to the last place of residence of the deceased. {«•) 
 Hence the death of the indorser is no excuse for neglect to give 
 notice. (A) Even although the administrator is not liable for any 
 debts due from the deceased for a certain period, (t) still he must 
 
 of a demand was made. The statement of the case says that the note was protested, 
 but no notice was j^iven to the indorsers. The reasons for the decision appear mainly 
 to be that it is well settled that knowledge is not notice. Groth v. (>yger, 31 Penn. 
 State, 271. In this case the note was presented at the banking-house of the plaintiffs, 
 but it docs not appear whether the note was payable there or not. 
 
 (f) See Magruder v. Union Bank, 3 Pet. 87, 7 id. 287. The head note of the valn- 
 nble edition of the reports of the Supreme Court by Mr. Justice Curtis is in nearly the 
 Bame language as the text. I'erhaps also the same doctrine may be inferred from 
 Juniata Hank v. Hale, l^S. & R. 1.57. 
 
 [f) Caunt V Thompson, 7 C. B 400, where the holder went to the acceptor's house 
 on the day the bill matured, and there saw the drawer, to whom lie showed the bill, and 
 .said, '• I have brought a bill from Caunt's ; you know wliat it is." The drawer said, 
 in reply, "I am executor of W. (the acceptor) ; you must persuade Caunt to let the 
 bill stand over a few day.<, because W. (the acceptor) has only been dead a few days. 
 I shall sec the bill paid." This was lield sufficient notice to the drawer. Nothing 
 appears to have been said about a waiver of notice. 
 
 ((j) Sii/ira, p. .501. 
 
 (A) See the cases cited supra, p. TjOI. 
 
 (j) Oriental Bank v. Blake, '22 Pick. 206, where Putnam, J. said : "But it does not 
 follow, that, because to charge an indorser no demand is necessary to be made on the 
 adininistnitor of the maker of a note or the acceptor of a bill of exchange falling due 
 within tin; year after the npj)ointment, notice of the dishonor of the tiill is not necessary 
 to Ik', given to the administrator of the indorser, in a rea'-nnalilo time. lie stands in 
 the {)!ace of the indorser; nnd ii w;inf fvf notice (if the dishonor of the bill maybe
 
 CH. XIII.] EXCUSES FOR AYANT OF NOTICE. 527 
 
 have notice, because he may at once, on receiving it, take measures 
 for obtaining indemnity. 
 
 Where the maker or acceptor cannot by the use of due dili- 
 gence be found, nor his last and usual place of business, no de 
 mand on him is necessary to charge an indorser.(j) Xor if he 
 has no place of business and no known residence. (jy') But the dif- 
 ficulty or impossibility of making a demand of the acceptor or 
 maker is no excuse whatever for non-demand of the indorser, or 
 non-notice to him. It is possible that a brief delay in making 
 demand and giving notice to an indorser might be excused by 
 the fact that the holder was during that delay diligently employed 
 in searching for the maker or acceptor. We should regard this, 
 liowever, as extremely doubtful, and a prudent holder would, in 
 such a case, give the notice at once, and at the regular time. 
 
 But the excuse would certainly be sufficient where the in- 
 dorser could not be found ; and a delay of notice for several days 
 has been excused on proof that the holder was unable to find the 
 indorser, (A;) If, however, after due diligence, the indorser cannot 
 
 pnjtidic-iiil to all persons interested in the estate of his intestate. He, for example, 
 may iiave paid to the party liable to him upon the bill money which he might have re- 
 tained, or have otherwise omitted to obtain security against the undertaking of his in- 
 testate Payment by the administrator of the acceptor, at the maturity of the bill, 
 
 within the year, could not be enforced by legal process. The law will presume that a 
 demand of payment under such circumstances would be fruitless. It would be useful 
 to the administrator of the acceptor, but would not be of any benefit to the indorser. 
 Whereas, a notice to the administrator of the indorser of the non-acceptance or non- 
 payment of the bill is of vital importance, inasmuch as it would enable him to take 
 immediate measures against the parties liable to him, for the security of the estate of 
 his intestate. Now while, on the one hand, to charge an indorser, the law will not re- 
 quire the holder to make a vain demand on the acceptor, it will not, on the other hand, 
 excuse him for neglecting to give essential notice. And we are all of opinion that the 
 case at bar flills within the latter position. The reasonable notice which would have 
 been required to be given to the indorser is quite as necessary to be given to his execu- 
 tor or administrator." 
 
 (j) Supra, p. 448, note d. 
 
 (jj) Adams v. Leland, 30 N. Y. 309 ; Simmons v. Belt, 35 Mo. 461. 
 
 (k) In Bateman v. Joseph, 2 Camp. 461, 12 East, 433, there was a delay of three 
 days, which was excused for this reason. Lord Ellenborough, 2 Camp. 461, said: 
 " When the holder of a bill of exchange does not know where the indorser is to be 
 found, it would be very hard if he lost his remedy by not communicating immediate 
 notice of the dishonor of the bill ; and I think the law lays down no such rigid rule. 
 The holder must not allow himself to remain in a state of passive and contented igno- 
 rance ; but if he uses reasonable diligence to discover the residence of the indorser, I 
 conceive that notice given as soon as this is discovered is due notice of the dishonor 
 of the bill, within the usage and custom of merchants." In Baldwin v. Ricluirdson, 1 
 B. & C. 24."), a delay of nine days was excused. So in Firth v. Thrush, 8 B. & C. 387, 
 2 Man. & R. 359. where there was a delay of more than two months. Browning v. Kin-
 
 528 NOTES AND BILLS. [CH. XIH. 
 
 ne found, nor his last and usual place of abode or of business, 
 no notice can be necessary, because it is impossible. (Z) 
 
 When the maker has absconded, some authorities regard this 
 fact as a sufficient excuse for non-demand, while others hold that 
 reasonable endeavors should be used to find his last place of resi- 
 dence or business. (m) But notice should certainly be given to 
 the indorser.(w) 
 
 Where the drawer or indorser has himself absconded, notice 
 should be given to some person who represents the estate, or who 
 is a member of his family ; or perhaps at his last usual place of 
 residence, (o) 
 
 As the indorser may require that due demand should be made 
 on the maker, although the indorser knew the maker's insolvency 
 at the time of the indorsement, (7?) the same rule would apply 
 with still greater reason to the question of notice to an indorser. 
 We should say, therefore, that the maker's insolvency would fur- 
 nish no excuse for want of notice to an indorser ; {q) but the 
 
 near, Gow, 81, where there was a delay of one day. Sturges v. Derrick, Wightw. 76, 
 where there was a delay of four months. 
 
 (/) In Beveridge v. Burgis, 3 Camp. 262, Lord Elknhorough said : " Ignorance of the 
 indorscr's residence may excuse the want of due notice, but the party must show that 
 he used reasonable diligence to find it out." Hunt v. Maybee, 3 Seld. 266. 
 
 (in) Supra, pp. 449, 450. 
 
 (n) See May v. Coffin, 4 Mass. 341, infra, note q. 
 
 (o) See Ex parte Rohde, Mont. & M. 430 ; Ex parte Johnston, 1 Mont. & A 
 622, 630. 
 
 (/)) Supra, p. 446, note r. 
 
 iq) Nicholson v. Gouthit, 2 H. Bl. 609, irtfra, p. 529, note r. Thackray v. Blackett, 
 3 Camp. 164. wheTe the defendant, a drawer, was aware of the insolvency of the ac- 
 ceptor before maturity, and knew the bill would not be paid. Whitfield v. Savage, 2 
 Bos. & P. 277, where the bill was drawn by the defendant for the accommodation of 
 an indorser. Clcgg r. Cotton, 3 id 239, where the defendant had drawn on his prin- 
 cipal, anil hearing of his being likely to fail, deposited effects of the principal in the 
 hands of an indorser. Esdaiie r. Sowerby, 11 East, 114, where the insolvency of the 
 acceptor and the bankruptcy of the drawer were known to the defendant, an indorser, 
 nearly a mtjiith before the bill matured. See Smith v. Beeket, 13 East, 187, where 
 the maker of a note had become bankrupt. So Ex parte Wilson, II Ves. 410. So 
 Boultbee i.-. Stubbs, 18 id. 20. See Bowes r. Howe, 5 Taunt. 30, 16 East, 112; 
 May ;; Coffin, 4 Mass. 341, where the indorser was held entitled to notice of non- 
 acceptance, altliough the drawer had become insolvent and had absconded ; Par- 
 sons, C. J., Bond V. Farnham, 5 Mass. 170; Crossen v. Hutchinson, 9 id. 205; Sand- 
 for<l V. Dillaway, 10 id. .^2, where thi- indorser was aware, at the time of indorsing, 
 of the maker'.s insolvency; Farniim r. Fowle, 12 id. 89, where the maker was noto- 
 riously insolvent six months before the note was made, and so continued until after 
 u)afurity ; Shaw r. Reed, 12 Pick. 132 ; Granite Bank v. Ayers, 16 id 392 ; S/iaw, C. J.,
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 529 
 
 authorities are not in unison on this point, (r) So also, where the 
 
 Lee Bank v. Spencer, 6 Met. 308 ; Mead v. Small, 2 Greenl. 207 ; Groton v. Dallhcim, 
 6 id. 476 ; Hunt v. Wadlcigh, 26 Maine, 271, where the insolvency of the acceptor was 
 known to the indorser when he made his indorsement; Buck v. Cotton, 2 Conn. 126, 
 where the defendant indorsed for accommodation of the maker, knowing his insol- 
 vency : Holland ». Turner, 10 id. 308; Jackson v. Richards, 2 Caines, 34.3; Bruce v. 
 Lytic, 13 Barb. 163, where the defendant, an indorser, was a clerk in the maker's 
 store before the note was made and after its maturity ; Benedict v Caffc, 5 Duer, 226 ; 
 Barton v. Baker, 1 S. & li. 334, where the indorser was aware of the insolvency of the 
 maker when the note was made ; Nash v. Harrington, 2 Aikens, 9 ; Duncan, J., Gibbs 
 V. Cannon, 9 S. & R. 198, 201, 16 id. 261 ; Orear v. McDonald, 9 Gill, 350 ; Walton 
 V. Watson, 13 Mart. La 347; Edwards v. Thayer, 2 Bay, 217; Jervey v. Wilbur, 
 1 Bailey, 453. where the indorser knew of the insolvency of the maker before the note 
 matured. So Allwood v. Haseldon, 2 id. 457 ; Course v. Shackleford, 2 Nott & McC. 
 283; Kiddell v. Ford, 2 Const. R. 678, 3 Brev. 178 ; Hightower v. Ivy, 2 Port. Ala. 
 308, where the indorser was aware of the maker's insolvency ; Pons v. Kelly, 2 Hayw. 
 45 ; Denny v. Palmer, 5 Ircd. 610. 
 
 (r) In De Berdt v. Atkinson, 2 H.Bl. 336, .supra, the opinion of Lord C.J. Eyre pro- 
 ceeded upon the ground that the insolvency of the maker, known to the indoi'ser when 
 he indorsed the note for the maker's accommodation, was a good excuse for want of 
 notice. The learned judge said : "But consider on what ground an early demand is 
 in general required. It is because if any delay takes place, the effects maybe gone out 
 of the hands of the acceptor ; and if the holder chooses to wait, he does it at his own 
 risk. But apply this rule to the ease of known insolvency, what does it signify to the 
 person who is liable in the second stage at what time the demand is made on the 
 drawei', who was known to be insolvent from the beginning 1 General rules are estab- 
 lished for general convenience, and I agree that, if the drawer is not known to be 
 insolvent, the fact of insolvency will not excuse the want of an early demand ; but the 
 fact of knowledge excludes all the presumptions that would otherwise arise. Then as 
 to notice, and the application for payment to the defendant, what did it signify to him ' 
 when that application was made ? It could make no difference to him whether it were 
 made on one day or another ; he meant to guarantee the payment of the note, and 
 there was no possibility of any loss happening to him from the want of notice. In tliis 
 instance, tlierefore, the general rule fails in its application." Buller, J remarked : '" It 
 is said that the insolvency of the drawer does not take away the necessity of notice ; 
 that is true where value has been given, but no further." Heath and Rooke, JJ. simply 
 concurred. It is remarkable, that within two years after this decision the same court 
 appear to have decided directly contrary in Nicholson v. Gouthit, 2 H. Bl. 609, Lord 
 C. J. E;p-e, delivering the opinion of the court, and Heath and Rooke, JJ. concurring. 
 Buller, J. does not appear to have been present. No notice was taken of the former 
 case by either counsel or court. In the first case the indorser indorsed without having 
 received any consideration, and aware of the maker's insolvency. In the latter, the 
 maker being in.solvent, the indorser undertook to guarantee a debt due from the maker 
 to a third party, by indorsing his note as a security for the debt. The first case, how- 
 ever, must be considered as overruled by the latter, and has been frequently doubted. 
 In Allwood V. Haseldon, 2 Bailey, 457, Johnson, J. said, that " it is not law, either 
 \n this country or in England " So Sivif/, C. J., Hosmer and Gould, JJ., Buck v. 
 Cotton, 2 Conn. 126; Nelso»,J., Mechanics' Bank v. Griswold, 7 Wend. 165, 169. In 
 Jackson v. Richards, 2 Caines, 343, Kent, C. J. said : " It has been laid down in the case 
 of De Berdt v. Atkinson, 2 H. Bl 336, that the payee of a promis.sory note (supra, p. 528, 
 
 Vol. I.— 2 I
 
 530 NOTES AND BILLS. [CH. XIH. 
 
 maker dies leaving his estate insolvent, not only must demand be 
 made,(s) but notice must be given. (^) 
 
 As the loss of a bill can be no excuse for want of presentment 
 and demand, so it can be none for want of notice. (m) 
 
 It is a sufficient excuse for not forwarding the notice on the 
 regular day, that it was Sunday, or some other legal holiday, (v) 
 and the same doctrine has been said to extend to Saturday, where 
 the holder was a Jew.(i^) We have stated on a previous page 
 the various holidays sanctioned by usage, by statute, or by corn- 
 
 note q), indorsing it to give it currency, and knowing of the insolvency of the maker at 
 the time of such indorsement, cannot insist on the want of demand and notice ; because 
 he was not an indorser in the common course of business, and cannot be affected by 
 the want of notice. The same point was afterwards ruled by Buller, J., at Nisi Prius, 
 in Corney v. Da Costa, 1 Esp. 302. But within two years subsequent to the first de- 
 cision the same court decided directly the contrary in the case of Nicholson v. Gouthit, 
 2 H. Bl. 609. I think the reasoning in the last decision the best, and ought to bo 
 followed." The case of Corney v. Da Costa, 1 Esp. 302, is, however, distinguishable, 
 as will be seen subsequently. It would appear from the case of Ex parte Solarte, 2 
 Deac. & C. 261, that the court considered the bankruptcy of the drawer before ma- 
 turity was a sufiBcient excuse for want of notice to him, the acceptor having also 
 become bankrupt. But Erskine, C. J , in Ex parte Johnston, 1 Mont. & A. 622, 626, 
 said that the reason for the decision in the former case was, that, under the circum- 
 stances, the assignees were precluded from setting up tlie want of notice as a defence, 
 because they had not adverted to the objection in any of their affidavits, nor was it 
 taken when before the commissioner, but urged for the first time in argument before 
 the court. In Clark v. Minton, cited 2 Const. II. 680, 682, it was held that the re- 
 corded insolvency of the maker under the insolvent acts, before maturity, was a 
 sufficient excuse for want of notice to tiie indorser. This case is reported 2 Brev. 185. 
 See also Kiddell v. Pcronneau, cited id. 188. In Bogy v. Keil, 1 Misso. 743, Wash, 
 J. said : " Nothing hut the maker's insolvency at the time of indorsing his note, or 
 some such circumstances as show that the indorser did not rely upon tlie maker's 
 liability or punctuality, or had no right to rely upon payment by the maker, will, in the 
 opinion of this court, dispense with the necessity of giving the indorser notice." In 
 M'Clcllan V Clarke, 2 Brev. 106, where the indorser knew, when he indorsed, that 
 the maker had absconded, and was insolvent, no notice was held necessary. In 
 Stothart V. Parker, 1 Overt. 260, where the insolvency was known to the indorser when 
 he indorsed, no notice was held necessary. 
 
 (s) Supra, p. 447, note u. 
 
 {t) Johnson v. Harth, 1 Bailey, 482 ; Gower v. Moore, 25 Maine, 16 ; Lawrence v. 
 Langlcy, 14 N. 11. 70, where one maker had become bankrupt before maturity, and 
 the other had died insolvent. But in Davis v. Francisco, 1 1 Misso. 572, notice was 
 held not necessary to an indorser of a note over due, he being aware tliat the maker 
 had died insolvent. Scott, J. dissenting. 
 
 («) Infra, Vol. II. p. 261. 
 
 (r) S'ljirn, j). 515. 
 
 (w) In Lindf) r. Unsworth, 2 Camp. 602, Lord Ellenborough said : " The law mer 
 rhant respects the religion of difTennt [jcople "
 
 CII. XIII.] EXCUSES FOR WANT OF NOTICE. 531 
 
 raon \iiw,{x) and also that notices should be sont on the next 
 succeeding business day, because tlie holidays are not counted 
 at all.(7/) 
 
 Where a note is indorsed at so short a period before it will be 
 due, and the iiidorser knows that a demand on the maker is 
 impossible by reason of the distance at which he lives from the 
 place at which the indorsement was made, a reasonable delay 
 in demanding the note would probably be excused as to that 
 indorser.(2) 
 
 And where a joint note has been indorsed, and the makers live 
 so far apart that a presentment and demand on both on the day 
 of maturity is impossible, the same excuse would apply to the 
 same extent. (a) In both of these cases, which might almost be 
 considered as coming under the law of waiver, we should say 
 that notice need not be given until after a regular and legal de- 
 mand could be made. But we have no positive authority for this. 
 
 A delay of some days has been excused by the fact that the 
 notice was taken from the post-office by a person of the same 
 name with him for whom it was intended. (6) 
 
 Among the circumstances which have been considered as con- 
 stituting a sufficient excuse for want of notice, or rather for a 
 delay of notice, are,(c) the prevalence of a malignant disease, 
 which rendered it dangerous to enter the infected district, (c?) and 
 
 (x) Supra, pp. 400 - 403. 
 
 (y) Supra, p. .515. 
 
 (2) There must, however, in this as in other cases, be due diligence. See Anderton 
 V. Beck, 16 East, 248, and Boehm v. Sterling, 7 T. 11. 4-23. In France, an indorser 
 transferring a bill so late as to make regular notice impracticable, cannot take advan- 
 tage of it, but prior indorsers and the drawer may. Pardessus, 451. 
 
 (a) Supra, p. 363. 
 
 {b) Jones v. Wardell, 6 Watts & S. 399. 
 
 (c) Hopkirk v. Page, 2 Brock. C. C. 20. See U. S. v. Barker, 4 Wash. C. C. 464, 
 12 Wheat. 559, 1 Paine, C. C 156 See Patience v. Townley, 2 J. P. Smith, 223. 
 
 (d) Tunno v. Lague, 2 Johns. Oas. 1. Contra, Roosevelt v. Woodhull, Anthon, 35. 
 In this case the notice for the plaintiff arrived in New York some time in September. 
 The plaintiff had left the city on account of an epidemic which then prevailed, and on 
 his return, in October, found the protested bill under the door of his office. He had 
 (eft no one in charge of his business, nor had he placed there any notification of the 
 ^lace to which he had removed. He sent the notice to the defendant immediately after 
 its discovery. Van Ness, J. nonsuited him. This matter is now regulated by statute in 
 New York, bj' which parties leaving their place of business within the infected district 
 are required to register their names and the places to which they may wish their notices 
 to be sent ; ocherwise it will be sufficient for the party notifying to deposit the notice in 
 the post-office.
 
 532 NOTES AND BILLS. [CH. XIH. 
 
 a violent t3inpest, which has so obstructed the roads as to ren- 
 der travelling over them impossible. Among the circumstances 
 offered as an excuse, but held to be insufficient, is the dangerous 
 illness of an indorser's wife.(e) 
 
 It must always be remembered, that the excuse of impossibil- 
 ity, on whatever facts it may rest, continues only so long as the 
 impossibility continues. That is, if a party bound to give notice 
 gives none, because he cannot give it at the regular time, but can 
 give notice at a subsequent period within which the notice ,may 
 possibly be of use, he is bound to give it then. In other words, 
 the excuse of an impossibility which is not permanent is only an 
 excuse for a delay until the impossibility is removed. (/) 
 
 SECTION III. 
 
 EXCUSES FOR NON-NOTICE, GROUNDED ON THE ABSENCE OF RIGHT 
 IN ANY PARTY TO REQUIRE NOTICE. 
 
 The most usual and important excuse for want of notice, on 
 this ground, arises in the case of bills being drawn without there 
 being any funds belonging to the drawers in the hands of the par- 
 ties upon whom the bills are drawn ; and this is founded upon the 
 general principle, tliat the drawer is not discharged by want of 
 demand or notice, unless he has, in fact or in contemplation of law, 
 been injured thereby. (/y*) We propose to consider, also, in this 
 place, how far this fact operates as an excuse for the absence of 
 proper presentment. 
 
 In the first and leading ease on this subject, decided by the 
 Court of King's Bench in the year 1786, it was held, that when 
 
 (fi) Turner v. Leiu-h, Chit. Bills, 452, an ac-tion l)y tlie olevcntli indorser nsainst the 
 ei^^hth. 'I'he notii'o was duly Icl't, on Sept. 4tli, at tiw house oF the tenth indorser. 
 who, in (•()nse(iiicnfe of tlie (hmj^erous iUness of his wife at a distant ])hiee, iiad left 
 his house, on Sept. 1st, in (•hai)j;e of a i)o_v, who had no authority to open letters, and 
 intendin;; to return on Si?|)t. -'{d. Owinj^ to the extreme illness of his wife, he did not 
 return until Sept. Kth, wlujn tiie notice was duly forwarded to the ])laiiitilT, wlio look up 
 the hill, and then sucid tli(! defendaTit, wlio insisted n]>()ii a discharji;e on the yronnd of 
 hieh(!s in forwanlin;; the notii-e. It was nrjjjed for the |)laintiir, that the dangerous sick- 
 ne-H of th(! prior indorst^r's wif(;excuseil his ahsence from home anil the delay in );iving 
 Dotieu of the dishonor; and that, as the dishonor is contrary to the (contract and the 
 PX|)eclation of the parties, tliere is no reason for rciipiirinj^- an indor.ser to he in the 
 way, or to appoint an a);(;iit, in his ah^eTice, to jirovide for such an event. lUit Lord 
 Kllruhoronijk rideil that tliese cireinnstanccs eonstituted no excuse for tlie d(day in 
 j^vin;; notice. This (;nse is reported, hut not on this jjoiut, in 4 IJ. & Aid, 451. 
 
 (f) IJeale v. I'arrish, '20 N. Y. 407. 
 
 (ff) I'atten v. Newell, ."31) Ga. 271.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 533 
 
 the drawer has no effects in the hands of the drawee, no notice 
 of dishonor is necessary. (^) The reason given for this decision 
 by one of the judges (A) is, tliat the drawing under such circum- 
 stances is a fraud on tlie part of the drawer, and deprives liim 
 of the usual right to notice. The reason given by another 
 judge (i) is, that the drawer cannot possibly be injured by want 
 of notice, and that he has no right to draw or to expect payment. 
 
 {g) Bickerdike v. BoUman, I T. R. 405. The drawer was indebted to the drawee, 
 in this case, to a hirge amount. The bill was due Oct. 18th, and ])rcsented on that 
 day for payment, and no notice of the refusal was given. The bill does not appear 
 to have been accepted. This case is affirmed and recognized in Goodall v. DoUey, 1 
 T. 11. 712, and Rogers v. Stevens, 2 id. 713. The question was raised in Gale v. 
 Walsh, 5 id. 239. 
 
 (/i) Bickerdike v. BoUnian, 1 T. R. 40.5, Ashhurst, J., who said : " As to the general 
 rule, it has never been disputed that the want of notice to the drawer, after the dishonor 
 of a bill, is tantamount to payment by him ; but that rule is not without exceptions, and 
 particularly in the case mentioned by the plaintiff's counsel, that notice is not necessary 
 to be given where the drawer has no effects in the hands of the drawee, for it is a fraud 
 in itself, and if that can be proved, the notice may be dispensed with." Fraud was 
 also said to be the reason of the rule laid down in Bickerdike v. BoUman, by Lord Al- 
 vanley, G. J. ; Chambre and Heath, JJ., in Clegg v. Cotton, 3 Bos. & P. 239 ; Hosmer. 
 J., Buck V. Cotton, 2 Conn. 126; Sharkey, C. J., Cook v. Martin, 5 Smedes & M. 
 379 ; Sivan, J., Miser v. Trovinger, 7 Ohio State, 281. Mr. Wallace, in his note in 
 2 Smith L. C. 22, says that fraud is the " reason and limit of the exception." He also 
 says that all the cases in wliicii demand and notice are not requisite to charge the 
 drawer or indorser are cases of fraud. But this is clearly incorrect, for we shall have 
 occasion to mention excuses which have nothing whatever to do with fraud. 
 
 (i) Bickerdike v. BoUman, 1 T. R. 405, Bullet-, J., who said : " On the second trial 
 of the cause of Tiudal v. Brown, 1 T. R. 167, before me at Guildhall, the jury told me 
 they found their verdict for the plaintiff, on the ground that it had not appeared from 
 the evidence that any injury had arisen to the party from want of notice. In conse- 
 quence of which, upon the subsequent trial, I told the jury that, where a bill»vas 
 accepted, it was prima facie evidence that there were effects of the drawer in the hands 
 of the acceptor. The mistake of the jury on the former occasion had arisen from their 
 taking it for granted that the drawer had not been injured by the want of notice, be- 
 cause he had not proved it, whereas that proof lay on the plaintiff to produce. And 
 upon my mentioning this matter to the court, they thought that, if there were no 
 effects in the hands of the acceptor, that would vary the question very much, as tlio 
 drawer could not be hurt. The law requires notice to be given for this reason, because 
 it is presumed that the bill is drawn on account of the drawee's having effects of tlie 
 drawer in his hands ; and if the latter has notice that the bill is not accepted, or not 
 paid, he may witiidraw tliem immediately. But if he has no effects in the other's 
 hands, then he cannot be injured for want of notice. Soon after I sat on this bench, I 
 tried a cause at Guildhall, on a bill of exchange, which was either drawn or accepted 
 ••y a person residing in Holland ; and a full special jury, under my direction, found a 
 verdict for the plaintiff, notwithstanding no notice had been given to the drawer of the 
 bill's having been dishonored ; because be had no effects in the hands of the person on 
 whom the bill was drawn. That verdict never was objected to ; and if it be proved on 
 45*
 
 5o4 NOTES AND BILLS. [CH. XIIL 
 
 It has been tlie subject of frequent regret on the part of many 
 emu^ent P]ngiish judges, (7) that the rule requiring strict notice 
 in all cases was ever infringed upon ; and while recognizing the 
 authority of the original case, they have declared that it is not to 
 be extended. (^') 
 
 In fact, it has been remarked, that in their desire to confine the 
 operation of the exception within the smallest practicable limit, 
 
 the part of the plaintiff, that, from the time the bill was drawn till the time it became 
 due, the drawee never liad any effects of ilie drawer in liis liands, I think notice to the 
 drawer is not necessary ; for lie must know whether he had effects in the hands of the 
 drawee or not ; and if he had none, he had no right to draw upon him, and to accept 
 payment from him ; nor can he be injured by the non-payment of the bill, or the want 
 of notice that it has been dishonored." Absence of the possibility of injury is given as 
 the reason for the exception by Buller, J., in Goodall v. DuUey, 1 T. K. 712, 714; 
 Lord ElJeiihorouyh, C. J-, Legge v. Thorpe, 2 Camp. 310; Blackhan v Doren, 2 id. 503 ; 
 Lord Denman, C. J., Terry i'. Parker, 6 A. & E. 502 ; Thompson, J., Hoffman v. Smith, 
 1 Caines, 157 ; Bofile, C J, Ralston o. BuUitts, 3 Bibb, 261, 263; Dorsey, J., Eicliel- 
 berger v. Finley, 7 Harris & J. 381, infra, p. 535, note /. 
 
 (j) Lord Ellenborough, C. J., Blackhan v. Doren, 2 Camp. 503 ; Legge v. Thorpe, 
 id. 310; Orr i'. Maginnis, 7 East, 359, where he said that it had been regretted by "a 
 very learned person who was counsel for the plaintiff in that case." This was said to 
 refer to Chambre, J., in 7 East, 362, note a, and to Lord E/don, in 12 id. 173, note d. 
 Chambre was counsel for the plaintiffs, as appears by the report of tiie case, 1 T. R. 
 406. Le Blanc, J., Claridge v. Dalton, 4 Maule & S. 226 ; Abbott, C. J , Cory v. Scott, 
 3 B. & Aid. 619 ; Lord Aloanley, C. J., Clegg v. Cotton, 3 Bos. & P. 239 ; Bosanguet, 
 J., Lafitte v. Slatter, 6 Bing. 623 ; Lord Tindal, C. J., id., who said it was " an ex- 
 cepted case " ; Parke, B., Carter v. Flower, 16 M. & W, 743, 748. So also Lewis, C. J., 
 Case V. Morris, 31 Penn. State, 100, 104. In Ex jjarte Heath, 2 Ves. &. B. 240, Lord 
 Eldon said : " I have often lamented the consequences of the distinction, introduced in 
 modern times, as to the necessity of giving notice of the non-payment or non-accept- 
 ance of a bill of exchange, whether the acceptor had or had not effects ; and I have 
 the#atisfaction of finding tliat my opinion has been adopted by the courts of law. Ac- 
 cording to the old rule, a bill of exchange, purporting upon the face of it to be for 
 value received, the implication of law from the acceptance was, that the acceptor had 
 effects. Then they came to this general doctrine, that it is not necessary for the holder 
 to give notice, if he can show that the acceptor had no effects. The first objection is, 
 who is to decide whether there are effects or not ? In the simple case, where there is 
 nolliing but that particular bill, and no other dealing between them, there is no diffi- 
 culty ; but if there are comijlicatcd engagements, and various accommodation transac- 
 tions, no one can say whether there arc effects or not." 
 
 (k) Lord Elleiiliorouyh, C J., in Thackray v. Blackctt, 3 Camp. 164, said : "Judges 
 of great authority have doubted the propriety of the rule laid down in Bickerdike v. 
 Bollman, and I certainly will not give it any extension." So in Orr v. Maginnis, 7 
 East, 359, the same judge said : " I shall anxiously resist the further extension of the 
 exception." And in liucker v. Hiller, 16 East, 43 : "I know the opinion of my Lord 
 Chancellor Eldon to be, that the doctrine of that case ought ftot to be pushed further." 
 Ho Pitrkfi, B., Carter v. Flower, 16 M. & W. 743, 748; Lewis, C. J., Case v. Morris. 
 31 Penn. State, 100, 104.
 
 OIL XIII.] EXCUSES FOR WANT OF NOTICE. 6B5 
 
 tliey have frittered it away until tliere is but little ol ii. left ; ana 
 the reasons upon which they rest in their decisions ai-e so various 
 and unsatisfactory, that it is a task of no inconsiderable diffi- 
 culty to extract from them any certain rule of law by which this 
 class of cases may be readily distinguished. (^) 
 
 Tlie true test, in our opinion, in each case, is this: Had the 
 drawer, under the circumstances of the case, a right to draw ? 
 This depends upon the fact whether he had a reasonable ground 
 to expect that the bill would be honored, or not. If he had 
 such reason to expect it to be honored, he is entitled to a regu- 
 lar presentment, and notice of refusal to accept to pay ; and 
 if not so entitled, he cannot complain either for negligence in 
 
 (/) Dorsey, J., Eichelberger v. Finley, 7 Harris & J. 381, who, after referring to the 
 discrepancy in the reasons as given by the English judges, and stating that the cases of 
 Legge ». Thorpe, 12 East, 171, 2 Camp. 310, and Claridge v. Dalton, 4 Maule & S. 226, 
 are inconsistent witli the reason of fraud, as "the conduct of the defendants, in those 
 cases, is free from the slightest imputation of fraud," continues : " The true rationale 
 of the rule introduced in Bickerdike v. BoUman is that given by Buller, J., ' that the 
 drawer could not be injured by the want of notice.' Why not injured by the want of 
 notice ? Because the object of notice is to let the drawer know that his bill has been 
 dishonored, and this he already knew from the nature of the circumstances connected 
 with it. To require a party to be notified of a fact of which he has already a perfect 
 knowledge does appear to be a solecism not at all in harmony with the beautiful system 
 of reasoning and good sense which pervades every branch of legal science. The 
 many distinguished judges who have disapproved of this rule, in expressing their re- 
 grets at its introduction, correctly state it to be ' the substitution of knowledge for notice ' ; 
 and yet, when called upon to apply the principle to the facts in each particular case, 
 such has been the anxiety to limit the extent of its application, such the desire to in- 
 gm^i't upon it restrictions and discriminations by which future cases may evade its 
 operation, that in subtilties and refinements the essence and meaning of the rule has 
 been almost wholly lost sight of. Of this, the case of Orr v. Maginnis, 7 East, 359, is 
 a memorable illustration." We doubt whether the true reason is here stated. The 
 drawer cannot certainly know that the bill may be dishonored, for some one might ac- 
 cept for his honor, or for that of the drawee. This is as good a reason as that given for 
 not considering the holder excused from making a due presentment where the indorser 
 was aware when he put his name upon a note that the maker was hopelessly insolvent: 
 which is, as we have already seen, that some of his friends may provide him with the 
 means to take up the note. Also, because it is well settled, as will appear hereafter, 
 that knowledge of dishonor not obtained by a party who has a right to give notice rs 
 not equivalent to notice. It is also doubtful whether the absence of any possibility of 
 injury is the proper reason. Because, according to what would seem to be the opinions 
 of some judges, even if a drawer, without funds, who has no reason nor right to expect 
 that the bill will be honored, can prove actual injury, he may be discharged by neglect 
 in making demand and in giving notice ; which could not i)e true unless there was still 
 some possibility of injury. But what we consider to be the reason for objecting to the 
 doctrine laid down here is, that we doubt, as will presently appear, whether the fact 
 fhat the drawer has been injured, under such circumstances, would avail him.
 
 530 NOTES AND BILLS. [CH. Xm. 
 
 presenting and in forwarding notice, or for an entire neglect 
 to do either. (-m) 
 
 Tlie " reasonable grounds " required by law are not such as would 
 excite an idle hope, a wild expectation, or a remote probability, 
 
 (/«) In French v. Bank, of Columbia, 4 Cranch, 141, Marshall, C. J. said : "Notice 
 must immediately he given to the drawer that his bill is dishonored by the drawee, 
 because he is presumed to have effects in the hands of the drawee, in consequence 
 of which the drawee ought to pay the bill, and that he may sustain an injury by act- 
 ing on the presumption that the bill is actually paid. The law requires this notice, 
 not merely as an indemnity against actual injury, but as a security against a possible 
 injury, which may result from the laches of the holder of the bill. To this security, 
 then, it would seem the drawer ought to remain entitled, unless his case be such as 
 to take him out of the reason of the rule. A drawer who has no effects in the hands 
 of the drawee is said to be without the reason of the rule, and therefore to form an 
 exception to it. This has been laid down in the books as a positive qualification 
 of the rule, but has seldom been so laid down, except in cases where, in point of 
 fact, the drawer had no right to expect that his bill would be honored, and could 
 sustain no injury by the neglect of the holder to give notice of its being dishon- 
 ored. In reason, it would seem that in such cases only can the exception be ad- 
 mitted, and that the necessity of notice ought to be dispensed with only in those 
 cases where notice must be unnecessary or immaterial to the drawer. The reason- 
 ing of the judges in most of the cases which have been cited would seem to warrant 
 this restriction of the exception. The case of Bickerdike v. Bollnian, 1 T. R. 405, 
 was a bill drawn by a debtor on his creditor, without a single aocompanying cir- 
 cumstance which could raise an expectation that the bill would be accepted or 
 paid. Notice in this case was declared to be unnecessary. Justice Ashhurst gives as - 
 a reason for this opinion, that the drawing was in itself a fraud. This reason must be 
 considered as additional to the general ground on which the case was placed in the 
 argument, which was, that the want of notice could not possibly affect the drawer. 
 The particular reason given by Justice Ashhurst for his opinion is clearly inapplica- 
 ble to any case in which the drawer was justified in drawing. In the opinion of Jus- 
 tice BuUer, some general reasoning is introduced, from which it is fairly deducible 
 that he considered the drawer as having no right to expect that the bill would be 
 paid, and as being liable to no injury from the want of notice, and that these were 
 the true grounds of the exception." After reviewing the cases of Goodall v. Dolley, 
 1 T. H. 712, and Rogers v. Stevens, 2 id. 713, and stating that the reason given by 
 Lord Kenyon in the latter was " because the drawer nnist know that he had no right to 
 draw on the drawee," tlic learned judge continues : " It would seem to be the fair con- 
 struction of these ca.scs, that a person having a right to draw in consequence of engage- 
 ments between himself and the drawee, or in consequence of consignments made to 
 the drawee, or from any otlier cause, ought to be considered as drawing upon funds in 
 the hands of the drawee, and therefore as not coming within the exception to the gen- 
 eral rule. The transaction cannot be denomiinited a fraud, for in such case it is 
 a fair commerciiil transaction. Ni'ilhrr can it be truly said that ho had no right 
 to expect his bill would be puid, fur a person authorized to draw must expect his 
 draft will be honored. Neither can it i)e said that he has virtual notice of the ))rotest, 
 ond that adual notice is useless, anil the want of it can do him no injury; for this is 
 only true when at the time! of drawing the, drawer has no reason to expect that his bib 
 will 1m; nnid. A person liaving a right to draw, and a fair right to expect that 1 is bill
 
 CH. XUI.] EXCUSES FOR WANT OF NOTICE. 537 
 
 that the bill might be honored ; but siicli as create a full expec 
 tation, and a strong probability, of its payment ; such, indeed, as 
 would induce a merchant of common prudence, and ordinary 
 
 will be honored, would not come within the reason of the exception, and therefore, it 
 may well be contended, ought not to be brought within the exception itself." The 
 following cases, as to presentment, support the view that want of funds and absence of 
 reasonable grounds to expect the honor of the bill constitute an excuse. Terry v. Par- 
 ker, 6 A. & E. 502, 1 Nev. & P. 752, where the drawer was held, though presentment 
 was not made to the drawee till two days after maturity. The bill was payable six 
 months from date, and the presentment for acceptance and payment had probably be- 
 come merged. Parsons, C. J., Bond v. Farnham, 5 Mass 171 ; Kinsley v. Robinson, 
 21 Pick. 327, where the bill had been accepted, and a presentment ten days after matu- 
 rity was excused ; Cotven, J., Marker v. Anderson, 21 Wend. 372. See Franklin r. 
 "Vanderpool, 1 Hall, 78 In Dollfus v. Frosch, 1 Denio, 367, presentment for pay- 
 ment was made three days before maturity, and the drawer was held. The bill was 
 "non-acceptable." In Mobley v. Clark, 28 Barb. 390, the drawer of a bill which had 
 been duly presented for acceptance and accepted was held, although there was no pre- 
 sentment for payment. See Wood v. Gibbs, 35 Miss. 559, where a neglect to present 
 a sight bill within a reasonable time was excused. The evidence of want of funds in 
 this case was an admission of the fact by the drawer See Adams v. Darby, 28 Misso. 
 162 But Radc /iff] J., in Cruger v. Armstrong, 3 Johns. Cas. 5, said: "The want 
 of funds may excuse the want of notice of the non-payment, but it cannot be a reason 
 to dispense with the presentment, or demand of payment. The drawee without funds 
 might have paid it for the honor of the drawer." The same was held in Englit;h v. 
 Wall, 12 Rob. La. 132, where the bill was protested prematurely, and the drawer wa^3 
 dischai-ged. In the following cases the same rule was applied as regards notice of 
 non-acceptance, there being no difference between the case of laches in giving notice, 
 and that where no notice is given. Dickins v. Beal, 10 Pet. 572 ; Baker v. Gallagher, 
 1 Wash. C. C. 461 ; Read v. Wilkinson, 2 id. 514 ; Warder v. Tucker, 7 Mass. 449. 
 See Stanton v. Blossom, 14 id. 116; Van Wart v. Smith, 1 Wend. 219; Cowen, J., 
 Commercial Bank v. Hughes, 17 id. 94, 97; WoUenweber v. Ketterlinus, 17 Penn. 
 State, 389; Cathell v. Goodwin, 1 Harris & G. 468 ; Eichelberger v. Finley, 7 Harris 
 & J. 38! ; Oliver v. Bank of Tennessee, 11 Humph. 74; Porter, J., Hill v. Martin, 
 12 Mart. La. 177; Benoist v. Creditors, 18 La. 522; Anderson r. Folger, 11 La. 
 Ann. 269; Whaley v. Houston, 12 id. 585; Ralston y. BuUitts, 3Bibb, 261 ; Farm- 
 ers' Bank v. Vanmeter, 4 Rand. Va. 553; Hubble t;. Fogartie, 3 Rich. 413; Dur- 
 rum V Hendrick, 4 Texas, 495. In the following cases the rule was applied with re- 
 spect to notice of non-payment. Rhett v. Poe, 2 How. 457 ; Hopkirk v. Page, 2 
 Brock. 20; Valk v. Simmons. 4 Mason, 113; Allen v. King, 4 McLean, 128. See 
 Savage v. Merle, 5 Pick 83 ; Hoffman v. Smith, 1 Caines, 157 ; Radcliff, J., Cruger ». 
 Armstrong, 3 Johns. Cas. 5 ; Cowen, J., Commercial Bank v. Hughes, 17 Wend. 94 ; 
 Dollfus V. Frosch, 1 Denio, 367 ; Mobley v. Clark, 28 Barb. 390 ; Case v. Morris, 
 31 Penn. State. 100; Archer, J, Clopper v. Union Bank, 7 Harris & J. 92, 102; 
 Bloodgood V. Hawthorn, 9 La. 124; Benoist v. Creditors, 18 id. 522; Williams ». 
 Brashear, 19 id. 370, 16 id. 77; English v. Wall, 12 Rob. La. 132; Gillespie v. 
 Cammack, 3 La. Ann. 248; Whaley v. Hou>ton, 12 id. 585 ; Blankensliip v. Rogers, 
 10 Ind. 333 ; Miser v. Trovinger, 7 Ohio State, 281 ; Oliver v. Bank of Tennes- 
 see, 11 Humph. 74; Spear v. Atkinson, 1 Ired. 262; Cook v. Martin, 5 Smedes & M. 
 tf79 ; Armstrong v Gay, 1 Stew. Ala 175 ; Yongue v. Ruff, 3 Strob. L. 31 1 ; Boulager
 
 638 NOTES AND BILLS. [CH. XIH 
 
 regard fo\: his commercial credit, to draw a like bill.(H) The rea- 
 sonableness of the expectation has been held to be ordinarily a 
 .question of law ; but when the proof is contradictory, and tlie 
 facts equivocal or contradictory, it is a mixed question of law 
 and fact.(o) To apply this rule, the drawer may have a right to 
 
 r. Talleyrand, 2 Esp. 550 ; Lord Elknboronrjh, Rucker v. Hiller, 1 6 East, 4.3, 3 Camp. 
 217; Brown v. Maffey, 15 East, 216; Claridge v. Dalton, 4 Maule & S. 226. See 
 the cases cited, supra, p. 533, note g. 
 
 In the following cases no protest was held necessary. Benoist v. Creditors, 1 8 La. 522 ; 
 Legge V. Thorpe, 12 East, 171, 2 Camp. 310. But this last case may perhaps be in 
 opposition to the doctrine of the text, that the right to demand and notice depends upon 
 the reasonableness of the expectation that the hill will he honored The circumstances 
 of the case were as follows : The bill was drawn in favor of the payee, because the 
 drawer had, at the request of the drawees, who were executors, employed the payee 
 to do some carpenter's work on a building which the drawer had rented of the deceased 
 before his death, under an agreement that the rent reserved was to be laid out in cer- 
 tain improvements on the premises, the value of which had amounted to more than the 
 rent. Tlie l)ill was drawn in expectation that the executor would pay, he having assets. 
 Lord Ellenhorough, C. J. said, 12 East, 175 : " The fact is, that the drawer was not alto- 
 gether unwarranted, under the circumstances, in expecting that his bill might be honored, 
 so that there is no imputation upon him for having drawn the bill." This case may, 
 however, be explained by the fact that the improvements agreed to be made by the 
 drawer in lieu of paying rent covered the expenses incurred on the building, on account 
 of which the bill was drawn, that is, that the carpenter's work on the building was part 
 of the improvements which the drawer agreed to make. This fact does not appear 
 clearly from the case, as reported in East, from which we have taken the above cir- 
 cumstances. In the report in Campbell, all that appears is the fact that the drawee 
 testified that he had no funds of the drawer, and that the latter had no right to 
 expect that, upon any consideration, the l)ill would be accepted and paid. It maj 
 perhaps be that the drawer acted as the drawee's agent, and no notice was con- 
 sidered necessary, it being a bill drawn by a party upon himself In Foard v. Wo- 
 mack, 2 Ala. 368, entire absence of funds, independent of the question of reasonable 
 expectation, was held to be the test. See Tarver v. Nance, 5 id. 712 ; Hill v. Norris, 2 
 Stew. & 1'. 114. 
 
 (n) Dor^f]!, J., Cathell v. Goodwin, 1 Harris & G. 468, 471 ; Archer, J., Orear r. 
 McDonald, 9 Gill, 350, 357. In Armstrong v. Gay, 1 Stew. Ala. 175, there seems 
 to have been a chance tliat the drawee would have accepted and paid, but there 
 was no sulHcicnt ground for the drawer to expect it. 
 
 (o) Cathell r. Goodwin, I Harris & G. 468 ; Orear v. McDonald, Gill, 350; 
 Wollenwcbcr v. Kettcrlinus, 17 Penn. State, 389. In this case the draft was drawn 
 on an agent whose princijjal was to receive a sum of money by contract for fur- 
 nishing a fcrtain quantity of maps within a specified time. Tiie drawer, knowing 
 the terms of tlie contract, agreed to perform a part of the work on the maps, but 
 after considerable delay, finding liimself unable to do the work, got the payee to do it, 
 and drew tin; draft in ids favor. Owing to the drawer's delay, the maps were not com- 
 pleted in lime, an<l the [)rincipid was not entitled to receive any money under the con- 
 tract. The draft was drawn for a greattT sum than the agent was to recei(fe. The 
 judge charged that these facts, if believed, constituted an excuse for want of nolV^t 
 of non-acceptance to the drawer. Held correct.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 539 
 
 expect that the bill will be lionorcd, when tlierc is a fluctuating 
 balance between him and tlic drawee, although tlie balance may 
 be against the former at the time presentment was made,(/>) or 
 where there are open accounts between the parties. (7) 
 
 But we do not think that presentment and notice would be ne- 
 cessary if it were proved tliat tlie drawer knew the state of the ac- 
 count when he drew, and made no provision for the honor of the 
 bill before the time when it should in the regular course be pre- 
 sented ; ('/•) because the evidence of open accounts and fluctuating 
 balances would seem to be proof of a right to expect the honor 
 of the bill, which might be rebutted by counter-proof of there 
 being no reasonable grounds upon which to found such expecta- 
 tion. The same rule would also be applicable where, although 
 there were open accounts between drawer and drawee, tlie ac- 
 counts were in litigation, and that fact was known to the drawer 
 at the time of drawing, (s*) So also when consignments were 
 made, but with an understanding that the bills were not to be 
 accepted until after a certain period, and the bill was due prior to 
 
 (p) BUickhan v. Doren, 2 Camp. 503, where the bill was for £250. The drawer 
 had £ 1,500 in the hands of the drawee, but owed him £ 10,000, which the latter had 
 appropriated. Notice was held uecessary. If these were all the facts in the case, we 
 should doubt the propriety of the decision. Lord Ellenborough, C. J., Brown v. Matfey, 
 15 East, 216. See Baguall v. Andrews, 7 Bing. 217 ; Orear v. McDonald, 9 Gill, 350 ; 
 Baldwin, J., Dickins v. Beal, 10 Pet. 572, 577 ; Richardson, J., Sutclitfe v. M'UowcU, 
 2 Nott & McC. 251, 256. 
 
 (q) Hopkirk v. Page, 2 Brock. 20; Robinson v. Ames, 20 Johns. 146; Williams v. 
 Brasliear, 19 La. 370, 16 id. 77. See New Orleans Bank v. Harper, 12 Rob. La. 23 1 , 233 ; 
 Hill o. Norris, 2 Stew. & P. 114; Baldivin, J., Dickins v. Beal, 10 Pet. 572, 577 ; Frost, 
 J., Yongue v. Ruff, 3 Strob. 311 ; Richardson, J., Adams v. Darby, 28 Misso. 162. 
 
 (>•) In Hopkirk v. Page, 2 Brock, 20, there had been several transactions prior to the 
 time of drawing the bill between the drawer and the drawees. The drawees had acted 
 as agents of the drawer in effecting the sale of an estate, and the sale of several con- 
 signments of tobacco. There was a mortgage on the estate sold, for which the vendee 
 retained a considerable sum of money in his hands, and for which no claimant had for 
 a long time appeared. There had been prior bills of the drawer on the drawees pro- 
 tested. For some time prior to drawing the bill in suit there had been no consignment 
 of tobacco, and a letter from the drawer had been received by the drawee stating that it 
 was feared that the representative of the mortgagee had been found, and that little could 
 be expected therefrom, and it concluded by saying, that, as to " paying any more, or 
 raising money on the uncertainty of the mortgage, we shall not attempt." There was 
 a small balance due the drawee at the time the bill was drawn. Want of notice of 
 con-payment was excused. So in DoUfus v. Frosch, 1 Denio, 367, there was an open 
 account between the drawer and drawee, and the drawer was chai-ged, although pre- 
 sentment was made three days before maturity and no notice given. 
 
 (s) Dollfus V. Frosch, 1 Denio, 367. See Benoist v. Creditors, 18 La. 522.
 
 540 NOTES AND BILLS. [CH. XIIL 
 
 that time, these facts would constitute a sufficient excuse for want' 
 of notice. (^) 
 
 The drawer may likewise have good reason to believe that the 
 bill will be honored, if he has consigned goods to the drawee, (m) 
 although tlie consignment may, by accident or otherwise, not have 
 come into the possession of the drawee, (v) or may, by deprecia- 
 tion in value or other loss, have become insufficient to cover the 
 amount of the bill.(tf;) 
 
 {t) Clari(ly;e v. Dalton, 4 Maule & S. 226, where the drawer had been in the habit of 
 supplviiig the drawee with goods, and the latter to accept bills drawn on them, at the 
 end of the year. At the time of drawing, the drawer had received an order for goods, 
 and had forwarded them to the drawee, to the value of £ 270. The bill was for £ 300, 
 and due Sept. 1. Notice was not given within due time, but the drawer was held. 
 Lord Elknborough, C. J., said : " I accede to the proposition, that where there are any 
 funds in the hands of the drawee, so that the drawer has a right to expect, or even where 
 there are not any funds, if the bill be drawn under such circumstances as may induce 
 the drawer to entertain a reasonable expectation that the bill will be accepted and paid, 
 the person so drawing it is entitled to notice. The question, therefore, is, whether in 
 this instance there were any funds in hand at the time of drawing applicable to tiiis 
 bill, or a ground of reasonable expectation that when the bill became due the drawco 
 would come forward and pay it. As to funds, though there were goods of the defendant 
 in the drawee's hands at the time of drawing, yet they were not such as could be prop- 
 erly set against the drawing. And as to any reasonable exjjectation that the bill would 
 be paid, it was neither accepted, nor had the defendant any claim upon the drawee to 
 have it honored, according to the due course of credit between them, until the end of 
 the year. At that time he would have been entitled to draw, whereas this bill, which 
 is at two months, became due on the 1st of September; it was drawn, therefore, in 
 anticipation of his credit, and without any assurance of accommodation. P'or if there 
 never was any drawing between the parties but at the end of the year, or accepting of 
 bills, how shall we say that the defendant was authorized to entertain a reasonable ex- 
 pectation that this bill would be honored ? And if not, this falls within the rule laid 
 down in Bickerdikc v. Bollman, and notice was not necessary." 
 
 («) Ho[)kirk V. Page, 2 Brock. 20 ; Orear v. McDonald, 9 Gill, 350, where a bill 
 was drawn for $3,000, by authority of the drawee. The drawer advised the drawee of 
 a consignment to meet it, and the latter accepted. The consignment subsequently re- 
 ceived brought $ 7,000. Other drafts had been drawn and accepted, and other consign- 
 ments made, but at the maturity of the bill the acceptors had not sufficient funds to 
 take it ui), after payment of drafts sul)sequently drawn and accepted. A presentment 
 two days after maturity was not excused. See New Orleans Bank v. Harper, 12 
 Rob. La. 231; Lacoste v. Har|)er, 3 La. Ann. 38.5 ; Grosvenor w. Stone, 8 Pick. 79 ; 
 BiiUwiii, ,]., Dickins v. Bcal, 10 Pet. 572, 577 ; FmsV, J., Yoiigue v. KufT, 3 Strol).31 1 , 
 Lord Elli-uborowih, C. J.. I>egge v. Thorpe, 2 Cainp 310. 
 
 (v) See llucker r. lliller, Ifi East, 43, Infra, woia io. Ei/re, C. J., Walwyn v. St 
 Quintiu, I Bos. & P. 652, 056 ; Lord Elkiil>o>oir;li, C. J., Legge v Thorpe, 12 East 
 171, 175, Oliver ?;. Bank of TVimcssee, 11 Ilnmpli. 74 ; Dnidwin, J., Dickins v. Beni, 
 10 Pet. 572. 577; Illr.lmnhmi. J., Suiciille v. MDowcIl, 2 Nott & MeC. 251, 256; Ed 
 wards v. Moses, id. 4'i3. 
 
 [w) l{iirker v. Hiller,3 Camp. 217, I « East 4.J, wIk re the ship conveying the ""nsiKn-
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 541 
 
 So the drawer may have good reason, in some cases, to expect 
 that a third party will provide the drawee with funds with which 
 to take up the bill. (a;) 
 
 He has a right also to expect that the bill will be honored 
 when the drawee has given him express authority to draw,(?/) 
 provided the bill be drawn within the due limits of the 
 authority ; (2) or where the bill is drawn under an engage- 
 
 ment had bten detained, and the cargo so depreciated in value that it was hardly 
 sufficient to pay the freight. Notice of non-acceptance was held necessary. In Robins 
 V. Gibson, 3 Camp. 334, the bill was drawn on a consignment of hides and indigo. 
 Before presentment for payment, the hides had been sold at a loss, and the indigo 
 remained unsold. Notice of non-payment was held necessary. This is the state of tiie 
 case, as appears from the report in Campbell. By the report in East, at the time of 
 presentment, the cargo was on the way to the drawee, who had received neither bill of 
 lading nor invoice, in consequence of which the refusal to accept was made. In Rob- 
 inson V Ames, 20 Johns. 146, the drawee had received considerable shipments of cotton 
 from the drawer, and accepted other bills; but on account of a fall in the price of 
 cotton, the value of the consignments was not equal to the amount of the accepted bills 
 and the hill in suit. Notice of non-acceptance of the bill was held necessary. In Wil- 
 liams V. Brashear, 19 La. 370, 16 id. 77, the bill was drawn on molasses purchased by 
 the drawee of the drawer, and the molasses had become lost by rain. The bill had 
 been accepted. Notice of non-payment was held necessary. 
 
 (x) Liifitte V. Slatter, 6 Bing. 623, 4 Moore & P. 457, where the acceptor accepted at 
 the request of a third party, who promised to take up the bill. Demand was made a 
 fortnight after maturity, and no notice given. The drawer was discharged. In French v. 
 Bank of Columbia, 4 Cranch, 141, Marshall, C. J., after stating the rule with respect to 
 want of funds, said : " This point came on again to be considered in the case of Rogers 
 T. Stevens, 2 T. R. 713, in which, as between the drawer and drawee, there was no 
 prete.Kt of a right to draw. It was said that a third person had stated himself to have 
 funds in the hands of the drawee, that the bill was really drawn on the credit of those 
 funds, and that loss had been actually sustained from the want of notice. But these 
 facts formed no part of the case. If they had, it is apparent that, in the opinions of 
 Lord Kenyon and Justice Grose, they would have been decisive in favor of the neces- 
 sity of notice, unless that necessity had been dispensed with by the subsequent conduct 
 of the drawer." In Walwyn v. St. Quintin, 2 Esp 515, the jury, under the direction 
 of El/re, C. J., decided that where the indorser had supplied the drawee with effects, 
 due notice of non-acceptance must be given to the drawer. The case was, however, 
 overruled by the full court, in 1 Bos. & P. 652, but this latter case has virtually 
 been overruled by Scott v. I.ifford, 1 Camp. 246, 9 East, 347 ; Cory v. Scott, 3 B. & 
 Aid. 619. 
 
 (y) Austin v. Rodman, 1 Hawks, 194, where a written authority was held to be a 
 sufficient ground for drawing. See Bloodgood v. Hawthorn, 9 La. 124. 
 
 (z) In Dickins v. Beal, 10 Pet. 572. In this case the drawers had no funds in the 
 hands of the drawees, nor had they made any consignments. Dickins and Taylor 
 were partners, doing business at Hazelwood, Tenn., and drew two bills in favor of 
 Beal, in payment of an antecedent debt due the latter by the drawers. The following 
 letters to the cashier of the Branch Bank at Nashville were offered in evidence, and 
 refused. " Messrs. Dickins and Taylor are authorized, in making negotiations, to value 
 
 V^L. I. 46
 
 542 NOTES AND BILLS. [CH. XRI. 
 
 ment between drawer and drawee ; (a) or, perhaps, where the 
 drawee has been in the habit of accepting independently of the 
 state of accounts between them ; (b) or where the drawee had 
 
 im our house in New Orleans, for say $ 10,000, in such form and at such time as they 
 may think proper, and the same will be duly honored." "Our friend Colonel S. 
 Dickins is authorized, in nec/oiiating with your institution, to value on our house in New 
 Orleans, at any time, for such sums as he may think proper, and same will be duly 
 honored." The drawer was held, although there were laches in giving notice of non- 
 acceptance. Baldwin, J. said : " It is clear that this transaction was not a negotiation, 
 within the meaning or intention of these letters ; they evidently referred to negotiations 
 at the bank, or within the sphere of its operations in the commercial transactions of the 
 firm; the one referring to Dickins alone was expressly limited to negotiations with 
 that bank. The remittance of these bills to New Orleans in payment of an antecedent 
 debt to the plaintiff was in no sense of the term a negotiation of them, and was so 
 utterly inconsistent with the evident object of the letters, that the most remote expecta- 
 tion could not have been entertained that they would have been accepted. A mer- 
 cantile house conducting operations at Memphis and New Orleans would, in the course 
 of their business, lend their credit in anticipation of consignments, while they would 
 refuse it to pay the debts due to other persons, these considerations could not escape 
 the consideration of Dickins and Taylor, when they sought to make Wikox and 
 Feron their creditor, instead of Beal, by such a fraudulent abuse of the letters of 
 credit. Had these bills come to the hands of an innocent holder in the course of trade, 
 with a knowledge of these letters, the case would have been different ; or if the bank 
 had negotiated them, there would have been a reasonable expectation that they would 
 have been honored ; but Dickins and Taylor could have entertained no such expecta- 
 tion. The letters were, therefore, properly excluded.'' In Orear v. McDonald, 9 Gill, 
 3.50, the drawees had given the drawers a written authority to draw, and one bill prior 
 to the one in suit appears to have been honored. Martin, J. said : "It is true that this 
 authority was limited to three fourths of the market value of the cargo at New Orleans. 
 With respect, however, to the first draft, this agreement was not strictly adhered to ; 
 and the argument is, we think, legitimate, that this fact was calculated to impress upon 
 the minds of the drawers the belief that the drawees would deviate from the strict 
 letter of their authority, if it became necessary for the honor of the bill." 
 
 (a) Muralinll, C. J., French v. Bank of Columl)ia, 4 Cranch, 141 ; Ejire, C. J., Wal- 
 wyn V St. Quiiitin, 1 Bos. & P. 6.')2 ; Shaw, C. J., Kinsley v. Robinson, 21 Pick. 327 ; 
 Rir.linrdsnn, J., Adams v. Darby, 28 Misso. 162. A drawer witiiout funds, whose 
 agreement with the drawee is not conclusively shown to have authorized him to expect 
 an acceptance, under the state of affairs brought about by the mode in which he dis- 
 posed of liis draft, is not, it would seem, entitled to notice of non-acceptance or non 
 payment. Whalcy v. Houston, 12 La. Ann. 585. 
 
 (/() BiiJdwin. .;., Dickins v. Beal, 10 Pet. 572, 577; Frost, J., Yonguc r. Ruff, 3 
 Strob. 311; /{ichnrdson, J., Adams tf. Darby, 28 Misso. 162. Contra, Foard ,•;. Womack, 
 2 Ala. 368, where the defendant's counsel requested the cowrt to instruct ilic jury, that 
 if till! drawees were in the habit of accepting for the drawer, and the hitter had good 
 reasons to lielieve they would accept the bill, he was entitled to notice of dishonor. 
 Tin; r(;f|uest wfis refused, the court telling the jury tliat a want of funds from the ti/nc 
 of drawing to maturity constituleil an excuse for want of notice. The jury found a 
 vi'rdict for the plaintiff, and the judgment was conrnincd. This case is aflinned 'O 
 Tarver i». Nan<-e, 5 Ala. 712.
 
 CH. Xm.] EXCUSES FOR WANT OF NOTICE. 543 
 
 promised to accept ; (c) or where the drawee has sufficient secu- 
 rities to cover the amount of whatever acceptance ho might 
 make.((/) 
 
 Where the drawee has funds in his hands at the time the bill 
 was drawn, it will not be sufficient to defeat the right of the 
 drawer to due notice of non-acceptance, to show that the effects 
 were attached in the hands of the drawee prior to present- 
 ment for acceptance, because this fact will not show absence of 
 a right to expect the honor of the bill.(e) 
 
 The fact that the drawee owes the drawer a sum of money as 
 executor has been held not to give the drawer such a right to 
 
 (c) See Orear v. McDonald, 9 Gill, 350. But the mere fact of an acceptance will 
 not show a right to expect the honor of the bill, where absence of funds for the debt to 
 the time of presentment for payment is shown, as will appear infra, p. 544, and notes. 
 We should say, however, quite confidently, tliat a promise to accept will render notice 
 of non-acceptance necessary. 
 
 (d) In Spooner v. Gardiner, Ryan & M. 84, the drawer had no effects in the hands 
 of the acceptor from drawing till maturity, but the acceptor had received from the 
 drawer, prior to the bill, several acceptances of the latter, on which money had been 
 raised by the acceptor. Some of the acceptances had been returned dishonored, and 
 others were outstanding, ten of which last were for a greater amount than that of the 
 bill. The acceptances were accommodation acceptances for the drawer's benefit. The 
 drawer was held entitled to due notice of non-payment. See Campbell v. Pettingill, 7 
 Green). 126, where the drawee, a treasurer of a corporation, accepted to pay when in 
 funds of the corporation. The acceptor held its negotiable securities and other evi- 
 dences of debt, to the amount of the bill, but no cash. The acceptor owed the drawer 
 a small sum. An opinion was expressed that notice of non-payment was necessarv. 
 In Van Wart v. Smith, 1 Wend. 219, 227, the drawees held a guaranty of a third party 
 for £ 10,000, to .secure them for their acceptance. The drawee drew a bill for a larger 
 amount. The drawees had never accepted any bill beyond that value, unless secured 
 by other securities. There was no security for the bill in suit, and acceptance was 
 refused. Laches in giving due notice of non-acceptance were excused. In Walwvn v. 
 St. Quintin, 2 Esp. 515, the payee had lodged title-deeds of a house belonging to him 
 with the drawee, for the purpose of raising money, but no money had been raised nt 
 the time the bill was payable. Eyre, C. J. left it to the jury to say whether this consti- 
 tuted effects in the drawee's hands, and the jury found that it did. It seems to have 
 been so considered by the full court in 1 Bos. & P. 652. In Ex parte Heath, 2 Ves. 
 & B. 240, Lord Elclon, after regretting the decision in Bickerdike v. Bollman, and 
 the difficulties attendant upon it, said, with reference to this case : " There cannot be 
 a stronger instance than that, in the case referred to, Lord Chief Justice Eyre, a very 
 good lawyer, left it to the jury to decide, without any solution of the question, whether 
 title-deeds are effects ; but a rule that securities cannot be effects in any case would be 
 quite destructive of all commercial dealing. Are not short bills, for instance, effects'? 
 Is it of no importance to the holder to have notice, that he may withdraw them fronn 
 the possession of the acceptor ? " 
 
 (e) Stanton v. Blossom, 14 Mass. 116.
 
 ■544 NOTES AND BILLS. [CH. Xm. 
 
 draw in liis own name as will entitle liim to notice of non-pay- 
 ment. (/) 
 
 So where the draft was drawn on funds which were to be re- 
 ceived under a contract, but which, by reason of the neglect of 
 the drawer, or his failure to perform certain duties req\iired, were 
 not due under the contract, the drawer being aware of tlie terms 
 thereof, no notice of non-acceptance was held necessary ; be- 
 cause the drawer had no reasonable ground to expect the honor 
 of the bill.{jg-) Where the drawer agreed with his lessor to make 
 certain improvements upon an estate rented by him, and subse- 
 quently hired the payee to perform a part of the work, and then 
 drew upon the lessor's executors in favor of the payee, to whom 
 the draft was given in payment for the work, no protest for non- 
 acceptance was held necessary. (//) 
 
 It seems to have been held that the mere fact of acceptance is 
 sufficient proof of a right to draw, or a right to expect that the 
 bill would be honored, although the drawer may have had no 
 funds. (^) But this cannot always be true, inasmuch as in many 
 cases the drawer has been held liable without due presentment 
 for payment, (y) or notice of dishonor, (A;) when the bill was ac- 
 cepted. The fact of acceptance may be some evidence of a right 
 to draw where there are other facts tending to show that right, 
 
 (/) Yonp^iie V RufF, 3 Strob. 311. 
 
 {g) Wollenweher ?-. Ketterlinus, 17 Penn. State, 389, supra, p. .538, note o. 
 
 {h) Legge v. Thorpe, 12 East, 171, 2 Camp. 310. If this case was not decided upon 
 the state of the facts as given in the text, or upon the ground that the drawer acted 
 simply as the drawee's agent, we do not thinic it can be supported. See a statement 
 of it, supra, p 535, note /. Where A, being indebted to B, procured C, who was in- 
 debted to him, to dgiw a hill in his favor on B, wiiich was indorsed over to B, in pay- 
 ment of the debt due B liy A, it was held that C was not entitled to notice, no funds 
 having been provided. Stewarts. Desha, 11 Ala. 844. 
 
 (i) Pons V. Kelly, 2 Ilayw. 45. Sec Hichie v. McCoy, 13 Sniedcs & M 541, where 
 it was held that jjroof of the want of clFccts on the day of maturity did not throw ii])on 
 the defendant the burden of proving that he had reasonable grounds to believe that the 
 bill would lie paid on presentment; but the court seems to adopt the view, that the fact 
 of acccptiince is sufficient to shift the presumption. The rule, we think, is this : If the 
 drawer bad reasonable grounds to expect the payment of tlie bill, on presentment for 
 payment, he is entitled to notice, and perhaps the fact of want of funds at maturity is 
 sufficient, prima facie, to show an absence of reasonaltlc grounds. 
 
 ( /) Kinsley v. Robinson, 21 Pick. 327 ; Mobley v. Clark, 28 Barb. 390. 
 
 (k) llod'man v. Smith, 1 Caiiies, 157, where it is said by Thompson, 5., "The ac- 
 ceptuTue by the drawci! made no alteration in the rule"; Allen v. King, 4 McF-enn, 
 128 ; Valk v. Simmons, 4 Mason, 113; Rhett v. Poc, 2 How. 457. In these last two 
 cases the funds were withdrawn. Gillespie r. Cammack, 3 La. Aim 248.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 545 
 
 and may go to support it ; (/) but the cases above cited are au- 
 thorities against the view that the acceptance itself is sufficient 
 proof to establish the right to draw, and to rebut the presumption 
 of the absence of such right, arising from proof of absence of 
 effects from drawing to maturity, or a withdrawal of them before 
 presentment for payment. 
 
 It has been lield, that the fact that the drawer and acceptor had 
 no funds at the place where the bill was drawn payable, and no 
 reasonable expectation of having any there, was not a sufficient 
 excuse for want of notice to the drawer ; (m) because the drawer 
 might have drawn on funds whicli the acceptor had neglected to 
 place in the bank. # 
 
 It seems to have been held, that the mere fact that the drawee 
 has some funds, however small in amount or little in value, will 
 
 (l) In Campbell v. Pettingill, 7 Greenl. 126, Weston, J. said: "There is certainly 
 ground to contend that the defendants had reasonable expectations that their order 
 would be accepted [paid?], of which its actual acceptance and partial payment might 
 be regarded as evidence." In this case the question was whether notice of non- 
 payment was necessary. So Martin, J., in Orear v. McDonald, 9 Gill, 3.50, 3.58, said : 
 " Tills promise may be regarded as equivalent to an acceptance of the draft. It has 
 been urged, however, on the authority of Hoffman v. Smith, I Caines, 1.57, that the 
 acceptance of the bill does not render notice of non-payment necessary in a case where 
 there were no funds. This may be true, but all must agree that, on the question 
 whether the drawers had a right to expect that their draft would be honored, it is a 
 fact of the most commanding character. It rests on the plain proposition, that the 
 drawers could not presume that the drawees would violate or evade their express en- 
 gagement. And as a circumstance calculated to generate in the minds of the drawers 
 the belief that their draft would be paid, it may be considered as conclusive, unless 
 mitigated or explained." In Hill v. Norris, 2 Stew. & P. 114, 124, Lipscomb, J. said : 
 " The fact of the existence of a running account between two men engaged in business, 
 and the acceptance of a bill by one of them for the other, affords a twofold ground of 
 presuming the drawer believed the bill would be honored ; the foct of their accounts 
 being unclosed is one, and the acceptance is the other. Indeed, it is difficult to 
 arrive at the conclusion that the drawer did not feel himself authorized to draw, if the 
 bill has been accepted." • An acceptance may be made under the belief, or the prom- 
 ise, that the drawer will put the acceptor in funds, which if he foil to do, no notice is 
 requisite. Rhett v. Poe, 2 How. 457, where the funds were withdrawn, after accept- 
 ance, under such an agreement. Gillespie v. Cammack, 3 La. Ann. 248. In English 
 V. Wall, 12 Rob. La. 132, where the bill was drawn, waiving acceptance, under such a 
 promise. 
 
 (m) Harwood v. Jarvis, 5 Sneed, 375. Sed quare. As against the drawer, the 
 ^holder was boutid to make a demand at the place specified, and a demand on the 
 acceptor at any other place would have been unavailing. So it might appear that 
 want of funds at the only place where demand could have been made, and no reason- 
 able expectation of any there, would be a sufficient excuse 
 
 Vol. I.— 2 K
 
 546 NOTES AND BILLS. [CH. XIII 
 
 entitle the drawer to notice. («) The grounds on which this must 
 rest are, that the excuse of want of funds is to be construed 
 strictly, and not to be extended ; and also the difficulty of exam- 
 ining the state of the accounts in each case to ascertain what and 
 on which side the balance lies ; or the fact that the drawer may 
 be subject to injury by the loss of some of his funds. (o) But it 
 
 (7i) Thackray v. Blackett, 3 Camp. 164. In this case, when two hills were drawn, 
 the drawer had no effects in the hands of the acceptors, hut hefore the maturity of 
 either, the acceptors owed him an amount less than one of the bills. Held, that the 
 drawer was entitled to notice of non-payment. Lord EUenhorough, C J. said : " The 
 excuse of want of effects in the acceptors' hands, I think, is equally unavailinp^ as to 
 both bills. I cannot make any distinction between the law. If there was an open 
 account between the parties, and the acceptors were indebted in any sum to the drawer 
 before the bills became due, I cannot say that he must necessarily have been aware 
 beforehand that either of them would be dishonored." See Blackhan v. Doren, 2 
 Camp. 503, cited supra, p. .539, note p. In Hill v. Norris, 2 Stew. & P. 114, the judge 
 charged the jury that, although there was a small balance, yet if the latter was too in- 
 considerable to induce a reasonable expectation that the bill would be paid, no notice 
 of non-payment need be given to the drawer. This charge was held incorrect, and the 
 judgment for the defendant reversed. It will be seen that the bill had been accepted. 
 In Lacoste v. Harper, 3 La. Ann. 385, the bill was for $2,777, and the amount of 
 funds, $883. Slidell, J. said: "We are not aware of any authority extending the 
 exemption of the necessity of notice to cases where the drawee had funds in his hands 
 at the maturity of the bill. Even if the funds be insufficient to cover the bill, the 
 drawer is entitled to notice of dishonor." In Wollcnweber v. Ketterlinus, 17 Penn. 
 State, 389, 399, Coulter, J. said : " If the drawer has any funds in the hands of the 
 drawee, no matter whether they be sufficient to meet the draft or not, he is entitled to 
 notice, because he may suffer injury to some extent for want of it." Richardson, J., 
 Sutdiffe V. M'Dowell, 2 Nott & MeC. 251 ; Edwards v. Moses, id. 433. 
 
 (o) la Thackray i;. Blackett, 3 Camp. 164, Lord Ellmhorongh. C.J. seems to have 
 given this as a reason. In Legge v. Thorpe, 12 East, 171, he said : " It has often hap- 
 pened to mc, sitting at Nisi Prius, to he obliged to take an account between the parties, 
 in order to see whether there were any, and what funds, or, more ])roperly sjicaking, 
 whether the drawer liad probable funds left in the drawee's hands to answer the bill ; 
 whereas, if the courts had adhered to the original simple rule, all such inquiries would 
 have been unnecessary, and no doubt would have existed in any case." It will be seen, 
 by the remarks of Coulter, J., in Wollenweber v. Kptterlinus, 17 Venn. State, 389, 399, 
 cited sufiru, note n, that he gave as a reason, that the drawer, without notice, would at 
 least be liable to some injury. In Hill v. Norris, 2 Stew. & P. 114, 121, Lipsrowh, J. 
 said : " If indeed the court were to assume the province, or should direct the jury to 
 determine, how far the assets in the hands of the drawee must be reduced before notice 
 to the drawer could be dispensed with, it would be found exceedingly difficult, and I 
 might with truth say that it would bo impracticable to fix on any standard of depre- 
 ciation. The instructions of the court below were to the effect, that, if there was a very 
 Hmull amount of funils in the IkiikIs of the drawee, that it did not entitle the drawer to 
 notice ; and the court seems to have drawn the conclusion, that, if the amount of funds 
 RO in the Inuuls of the drawee was smiill, that the drawer could not be injured by want 
 of notice. It seems, however, In iis, iliMt ihc reason of the rule would apply, and that,
 
 OH. XIII.] EXCUSES FOR WANT OF NOTICE. 547 
 
 iii strongly urged, that whore all transactions between the parties 
 have ceased, and tliere is nothing to justify a draft l)ut a balance 
 of one penny, it w'ould be sporting with the understanding to say 
 that a creditor for this balance who should draw for X 1,000 
 would be in a situation substantially different from that in which 
 he would be were he the debtor in the same sum.(jo) The true 
 
 although there might be but a small amount of assets, the drawer ought to have notice, 
 to enable him to take steps to secure that amount, whatever it might be. I admit, that 
 if there were circumstances to satisfy the jury that the drawer committed a fraud in 
 drawing on the drawee, and that he knew that his bill would be dislionored, there 
 would be much force in the argument that he ought not to be permitted to take shelter 
 from the consequences of his fraud by intrenching behind a very small amount of assets 
 t.hat might be in the hands of the drawee. But I must again repeat, that I have not 
 known a case, where there was any amount of funds in the hands of the drawee, that 
 it has been ruled that the drawer was not entitled to notice." 
 
 (/?) Marshall, C. J., Hopkirk v. Page, 2 Brock. C. C. 20, 34, where the drawee had a 
 balance in his hands in favor of the drawer to the amount of 16s. WcL. the bill being 
 £ 246. The drawer was held, without any notice of non-acceptance or payment. The 
 learned judge said : " In attempting to show that notice of the dishonor of this bill was 
 unnecessary, because the drawer had no effects in the hands of the drawee, the holder is 
 met in limine by the fact, that this letter shows a balance in his favor of 16s. \\d., and 
 the exception under which the plaintiff withdraws himself from the general rule is, that 
 the drawer had at the time no effects in the hands of the drawee. If we may depart from 
 the letter of the exception, there is no point at which to stop ; and if notice may be dis- 
 pensed with when a small sum is in the hands of the drawer, it may also be dispensed 
 with when a large sum is in his hands, provided that sum be one cent less than the bill 
 is drawn for. I am aware of this argument, but think it more perplexing than con- 
 vincing." So in the Matter of Brown, 2 Story, .502, 520, Story, J. said : " But it is 
 said, that, in cases of bills, due presentment and due notice are necessary whenever the 
 drawer has any funds in the hands of the drawee ; and the same reasoning applies to 
 cases of checks. Now I deny both the premises and the conclusion. In the first place, 
 as I understand it, the true doctrine is this, that if the drawer has a right to draw, in 
 the belief that he has funds, or in the expectation that he shall have funds at the time 
 of the presentment for acceptance, by reason of arrangemetits with the drawee, or put- 
 ting his funds in transitu, then and in such cases he is entitled to due notice. But accord- 
 ing to the doctrine now contended for, if the drawer knows that he has but one dollar 
 in the hands of the drawee, and he has no expectation of any more being added, and 
 has no right to believe that a bill for more will be honored, he may, nevertheless, draw a 
 bill on the drawee for $ 10,000 ; and if it is dishonored, as he knows it will be, he is 
 entitled to strict notice ; whereas, if he had not one dollar in the drawee's hands, he 
 would not be entitled to any notice at all. Now I do not understand the law to involve 
 any such strange anomaly, not to call it an ahsurditj-. In each case the same reason 
 applies ; the draft is a fraud upon the holder ; and in each case a meditated fraud shall 
 not be sheltered behind a rule intcTided to protect the innocent and trustworthy." In 
 Blankenship v. Rogers, 10 Ind S.'BS, an order was drawn for $96, on which payment 
 of $ .38 was indorsed, and a protest made for the remainder. No notice of non-pay- 
 ment was held necessary. So in v. Stanton, 1 Hayvv 271, where the drawee paid 
 
 over the fund'' which he had, no notice, as to the residue, was held necessary. See 
 Smith V. Thatcher, 4 B. & Aid. 200.
 
 54h NOTES AND BILLS. [CH. XHI 
 
 mquiiy here, as in the otlier cases, must be whether the drawer 
 was justified in drawing by a reasonable expeuiation that the bill 
 would be honored. 
 
 There seems to be some little confusion with regard to the time 
 when the reasonable expectation may be supposed to exist in the 
 mind of the drawer. Thus, it has been said that actual notice 
 is useless, and therefore unnecessary, only when, at the time of 
 drawing, the drawer has no reason to expect that his bill will be 
 paid.(^) But we think this view is open to much objection, and 
 should say that the reasonable expectation depends, not on the 
 state of things that exists at the time the bill is drawn, but upon 
 the circumstances which exist at tlie time when it should be 
 presented. (/•) 
 
 Thus, although the drawer may have ample funds in the hands 
 of the drawee at the date of tlie bill, or of the acceptance, yet, 
 if he subsequently withdraws all his funds, (s) provided such 
 
 (7) Marshall, C. J., French v. Bank of Columbia, 4 Cranch, 141, 158. See the re- 
 marks of Lord Ellenborou/jh, C. J., in Orr v. Maginnis, 7 East, 359. See Richie r. 
 McCoy, 13 Smedes & M. 541. 
 
 (r) Dorseif, J., Eichclberger v. Finley, 7 Harris & J. 381, 386. In Orear v. McDon- 
 ald, 9 Gill, 350, 357, Martin, J. said : " The right to demand and notice does not de- 
 pend upon the fact that the drawers had, at the maturity of the draft, funds in the 
 hands of the drawees, as ascertained by ulterior events, adequate to its payment. 
 There is to be found in the adjudications on this subject no such stringent rule. On 
 the contrary, we consider the principle as now established to be, that, if the drawers, at 
 the time when the bill should have been presented, had the right to expect, reasoning 
 upon the state of fiicts connected with the transactions as they then existed between the 
 drawers and themselves, that their bill would be honored, they were entitled to de- 
 mand and notice. The drawing of a bill under such circumstances is not to be 
 treated as a fraud." 
 
 (s) Rhett V. Poe, 2 How. 457, where the drawer had funds at the time of the accept- 
 ance in the acceptor's hands, but subsequently withdrew them, agreeing to provide 
 others at maturity, which he failed to do. The drawer was held, without notice of non- 
 acceptance. So Valk V. Simmons, 4 Mason, 113 ; Spangler v. McDanicl, 3 Iiid. 275, 
 wliich was a suit on a non-negotiable draft. Dorscij, J., Eichclberger v. Finley, 7 Harris 
 & J. 381, 386. Contrn, Orr v. Maginnis, 7 East, 359, 3 J. P. Smith, 328. In this 
 case, the bill was drawn for £ 1 72. At the time of drawing the drawee had some funds. 
 how much difl not appear. The drawer was a master of a vessel, who drew on account 
 of supfilies furnished his sliip. The bill was presented for acceptance on July 19th, 
 and acceptance was refused, but no notice was given. Some time in May, the drawee 
 had settled with the drawer, paying over to liim the balance due, which amounted to 
 jC 1 16. The bill was again |)rcscntcd for payment on Oct. 22d, and notice of the dis- 
 honor duly given. The drawr-r was discharged for the neglect to give notice for non- 
 ucceptancc. Lord Elliiilioioiit/li, C J. said : " If the drawer have effects at the time, it 
 would be very dangerous and inconvenient, merely on the account of the shifting of a 
 balance, to hold notice not to bo necessary It would be introducing a numbtjr of
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 549 
 
 withdrawal is prior to maturity or presentment ; [t) or, having 
 funds on the way, if he intercepts them and prevents tliem from 
 coming into the hands of the drawee or acceptor, — he cannot 
 be said to have any reason to expect the i)ill would be honored, 
 and therefore he is not entitled to notice. (?<) 
 
 So, perhaps, although the drawer at the time he draws the bill 
 may have no effects, and no reason to expect his draft will be 
 honored, yet, if he should place adequate funds in the hands of 
 the drawee before presentment, he would be entitled to require 
 due presentment and notice before he could be held liable. (y) 
 
 And where there have been no funds, and the drawer has no 
 right to expect that the bill would be honored, notice to him is 
 unnecessary, although subsequent to the presentment the drawee 
 may have had funds.(i<;) 
 
 We should say that the mere fact that the drawer had no ef- 
 fects, from the time the bill was dated till maturity, would be 
 
 collateral issues in every case upon a bill of exchange, to examine how the account 
 stood between the drawer and drawee, from the time the bill was drawn down to the 
 time it was dishonored." Dorspy, J., in Kichelberger v. Finley, 7 Harris & J. 381, 385, 
 mentions this case as " a metnorable illustration " of the fact that the essence and mean- 
 ing of the rule laid down in Bickerdike v. Bollman had been lost sight of. He also 
 said: "If a case can be ima^^iued in which a want of effects, with a knowledge in the 
 drawer that his bill would be dishonored, dispenses with notice, it might well be sup- 
 posed this was that case. It does not appear that the drawer, at the time the bill was 
 drawn, before or subsequently, ever had credit with the drawees for one farthing more 
 than to the amount of the effects in hand. Having, then, withdrawn the only fund 
 which could sustain the honor of his bill, did he not know, by anticipation, the fact 
 of its non-acceptance ? " See also the remarks of Lord EUenborouyh, C. J., cited 
 infra, note v. 
 
 (t) Adams v. Darby, 28 Misso. 162. 
 
 (u) Valk V. Simmons, 4 Mason, 113. 
 
 (v) Dorsfjj, J., Kichelberger v. Finley, 7 Harris & J. 381, 386. In Hammond v. 
 Dufrene, 3 Camp. 145, the bill was drawn for £301. At the time of drawing and 
 of accepting there were no funds, but before maturity the drawer sent the acceptor 
 £400. The drawer was held entitled to notice of non-payment. Lord Ellenhoromjh, 
 C. J. said : " I think the drawer has a right to notice of the dishonor of a bill, if he 
 
 has effects in the hands of the acceptor at any time before it becomes due I am 
 
 aware that the inquiry has generally been, as to the state of accounts between the 
 drawer and drawee when the bill was drawn or accepted ; but I conceive the whole 
 l^eriod must be looked to, from the drawing of the bill till it becomes due, and that no- 
 tice is requisite, if the drawer has effects in the hands of the drawee at any time during 
 thp.t mtcrval." 
 
 (w) Cathell v. Goodwin, 1 Harris & G. 468, where the drawee told the holder that he 
 expected funds shortly, and when they arrived he would pay the bill. The funds did 
 subsequently arrive, though at what time did not appear. No subsequent presentment 
 was made, and no notice given. Held, that the drawer was liable.
 
 65() NOTES AND BILLS. [CII XIII. 
 
 sufficient, j9nma facie, to excuse want of presentuieut for accept- 
 ance, for payment, or for notice of either ; and tliere are some 
 authorities which adopt this vievv,(.f) although it may be in con- 
 flict with others. (y/) It will then be incumbent for the drawer to 
 set up in defence such circumstances as will entitle him to a I'iglit 
 to have expected that his draft would be honored. (c) There can 
 be no hardship in this, for it would be easy for the drawer to 
 show such circumstances if they exist, for they must be facts par- 
 ticularly within his own cognizance ; and it would be very diffi- 
 cult for the plaintiff to prove the negative, or that there were no 
 such circumstances. 
 
 (x) DuiTum V. Hendrick, 4 Texas, 495 ; Cook v. Martin, 5 Smedes & M. 379 ; Col- 
 lier, C. J, Tarver v. Nance, 5 Ala. 712. In a suit on a protested order, the plaintiff 
 is not bound to allege and prove notice of non-payment, if he allege and prove that, 
 at the date of the order, the drawee had no effects of the drawer in his hands, except 
 the amount paid and credited on the order on presentment. Ibid. In Kemble v. Mills, 
 1 Man. & G. 7.57, 767, Tindal, C. J. said : " Upon general demurrer, it is sufficient if 
 we see that the plaintiff has excused himself upon the broad ground that the defendant 
 had no assets in the bankers' hands ; that is the ground upon which the early cases were 
 decided, and if the defendant wished to object to the form of the declaration, he should 
 have demurred specially." So Maule, J., Kemble v. Mills, 1 Man. & G 771, infra, 
 note z. In Fitzgerald v. Williams, 6 Bing. N. C. 68, Tindal, C. J. said ; ' The plain- 
 tiff having averred, as an excuse for not giving notice of the dislionor of the bill, 
 that the defendant had no funds in the acceptor's hands, assigned a sufficient ex- 
 cuse, if he had stopped short there; for if the defendant had no funds in the hands of 
 the acceptor, he was not damnified ; if he was. after the issue he has taken ui)on the 
 whole allegation, the proof would have come more properly from him." So Parke, B., 
 in Carter v. Flower, 16 M. & W. 743, 7.50, referring to these cases, said : " Lord Chief 
 Justice Tindal intimated, and wo think correctly, that it would have been sufficient if 
 the plaintiff had stopped with the averment of want of effects; and the allegation, that 
 no damage was sustained, seems to have been treated by the court as immaterial. 
 We do not conceive that the court attributed any weight in giving their judg- 
 ment, in Kemble v. Mills, to the averment that the defendant had sustained no damage. 
 Tlic Lord Chief Justice and Mr. Justice Maule expressly excluded that consideration, 
 and rested on the broad ground, that the averment of want of assets was sufficient. In 
 an action against the drawer of a bill, this form, therefore, must be deemed sufficient, at 
 least on general demurrer." See the remarks of Bui/lei/, J., cited in/rn, p. 551, note c. 
 
 (_y) Whether the fact of absence of funds at maturity is sufficient to show absence of 
 a right to exjject the honor of the bill, would seem to be doubted or denied, in Richie 
 V. McCoy, 13 Smedes & M. 541, where it was held that it was not, in the case of an 
 accepted bill. See supra, p. 544, note i. 
 
 (z) Durrum v. Hendrick, 4 Texas, 495 ; Cook v. Martin. 5 Smedes & M. 379 ; 
 Ojllier, C. J., Tarver v. Nance, 5 Ala. 712. In Kemble v. Mills, 1 Man. & G. 757, 771, 
 Maule, J. said : " When it is shown that the drawee had no assets in the hands of Uie 
 drawer, that is generally sufficient. Wh(-re there is anything to take the case outof l\ie 
 general rule, that shouM come from the other side." See the remarks of Tindal, C. J., 
 cited mtpru, note x.
 
 CH. Xm.] EXCUSES FOR WANT OF NOTICE. 551 
 
 It would seem to be usual, however, to ave" both want of 
 effects, absence of a right to draw, and a denial of injury. The 
 latter has been held unnecessary, because tbe want of effects 
 itself is prima facie proof that there has been no injury; (a) and 
 we can see no good reason why the absence of effects is not pre- 
 sumptive proof of an absence of a right to draw. So also, where 
 a want of funds and absence of injury is alleged, it is not neces- 
 sary to aver that the defendant had no reasonable expectation 
 that his bill would be honored. (^) 
 
 It has been intimated, that if the drawer can prove injury, he 
 will be entitled to a discharge from liability, at least proportion- 
 ably, (c) We are not aware of any express decision to this effect, 
 and should say that the only reason to support it would be the 
 principle that the excuse of which we are treating is not to be 
 extended ; or the supposition that, if the drawer has no right to 
 draw, he cannot suffer an injury from which due presentment 
 and notice could save or protect him.(^/) The injury has sprung 
 from, and is the consequence of, his own act, which, if it be not ab- 
 solutely fraudulent, must be considered as at least wrongful ; and 
 he should, we think, suffer for that for which he alone is to blame. 
 
 (a) Cook V. Martin, 5 Srnedes & M. 379. Nor is it necessary to prove it, if alleged, 
 id. In Fitzgerald v. Williams, 6 Bing. N. C. 68, the plaintiff averred that the defend- 
 ant had no funds, and had sustained no injury. The defendant pleaded that he had 
 sustained damage, because the acceptor had jn-omised to provide for the bill. Held, not 
 incumbent on the plaintiff to prove that the defendant had sustained no damage. See 
 the case and remarks cited supra, p. 550, note x. But in Baxter v. Graves, 2 A. K. 
 Marsh. 152, it seems to have been held that the plaintiff should siiow that the defend- 
 ant, a drawer, suffered no injury. 
 
 (&) Thomas v. Fenton, 5 Dow. & L. 28, Coleridge, J. said : " The reasonable expec- 
 tation of assets entitles to notice only on the ground that the drawer, under sucli cir- 
 cumstances as raise that expectation, may be damnified by the want of it ; to allege, 
 therefore, that he has sustained no damage removes the ground on which notice is 
 necessary. It may also be argued that the plaintiff is not bound, in the first instance, 
 to allege that which cannot be within his knowledge, and that such a fact should prop- 
 erly come by way of plea." 
 
 (c) In Cory v. Scott, 3 B. & Aid. 619, Bayby, J. : " The case of Bickerdike v. Boll- 
 man is a right decision ; but wherever the drawer can show that the want of notice may 
 produce any detriment, the case will be very different. Where he has no effects in the 
 hands of the acceptor, that is prima facie evidence that he will not be injured by the 
 want of notice, but that prima facie presumption may be rebutted ; and if the drawer 
 can show actual prejudice, it takes it out of the case of Bickerdike v. Bollraan." See 
 the remarks of Tindal, C. J., cited supra, p. 550, note x. This is the reason given in 
 the cases cited supra, p 546, notes n, o, which hold that proof of any effects whatever 
 In the drawee's hands will entitle the drawer to notice. 
 
 {d) In some of the cases cited siqnri, p. 547, note/), there might have been a slight 
 injury, and no notice was necessary. See also the cases on checks, ;■;;/'/((, p. 552.
 
 552 NOTES AND BILLS. [CH. Xffl. 
 
 The same rules are applicable to the drawer of a check, who is 
 liable without presentment or notice, if he has no funds in the 
 bank upon which the check is drawn. (e) In our cliapter on 
 Checks we consider the law of presentment in regard to them ; 
 here we will only say, tliat the exception should be construed 
 more liberally witli regard to checks ; at least where the check is 
 drawn on a public banking corporation. These corporations do 
 not receive goods on consignment, therefore there can be no rea- 
 son to expect that the check will be honored on any such grounds 
 as this. There would seem to be scarcely any reasonable grounds 
 to expect payment, and, consequently, any right to draw a check, 
 unless the bank had sufficient funds to pay it.(/) The bank has 
 
 (e) In the following cases no presentment was held necessary, the drawer having no 
 funds.- Gushing c. Gore, 15 Mass. 69 ; Franklin v. Vanderpool, 1 Hall, 78 ; Healy 
 V. Oilman, 1 Bosw. 235 ; Coyle v. Smith, 1 E. D. Smith, 300. Contra, Radcliff, J., 
 Cruo-er v. Armstrong, 3 Johns. Cas. 5. In the following cases no notice of non-pay- 
 ment was held necessary. Eichelberger v. Finley, 7 Harris & J. 381 ; Hoyt v. Seeley, 
 18 Conn. 353 ; Fitch v. Redding, 4 Sandf. 130 ; Coyle v. Smith, I E. D. Smith, 400 ; 
 Healy v. Gilman, 1 Bosw. 235; Kemble v. Mills, 1 Man. & G. 757. 2 Scott, N. R. 
 121, 9 Dowl. 446; In the Matter of Brown, 2 Story, 502; Radcliff, J., Cruger v. 
 Armstrong, 3 Johns. Cas. 5. See Case v. Morris, 31 Penn. State, 100. So where the 
 drawer withdraws his funds before the time when the check should have been presented. 
 Coyle V. Smith, 1 E. D. Smith, 400, where at the date of the check the drawer had a 
 few dollars on deposit. Subsequently he had made a deposit, but withdrew it the next 
 day. No presentment and notice were held necessary. Sutcliffe v. McDowell, 2 Nott 
 & McC. 251. In this case, however, it appeared that the drawer withdrew his deposit, 
 that the check might be dishonored. In Brown v. Lusk, 4 Yerg. 210, the drawer was 
 held entitled to notice, although he had no funds in the bank, having drawn for the ac- 
 commodation of the payee. Sed qucere. 
 
 (f) We are not aware of any authority for this. In Edwards ?;. Moses, 2 Nott & 
 McC. 433, all the facts that appeared were, that at the time when the clieck should have 
 been presented, the drawer had withdrawn all his funds. Richardson, J. said that it 
 was a mere case of overdrawing, and due presentment and notice were held necessary. 
 But wc doul)t the authority of this case. In Cruger v. Armstrong, 3 Johns. Cas. 5, 
 the check was drawn for $ 2,500. On the day of its date the bank paid out checks of 
 the drawer to the amount of $ 3,500, and at the dose of banking hours a balance was 
 left of S 400. Presentment was held necessary, Lewis, C. J dissenting. The authority 
 of this case may be somewhat doubtful. Radcliff, J. said that presentment was neces- 
 sary, though notice might Tiot have been, and founds his opinion on this, wliirh is clearly 
 incorrect. Kml, , J. mid : "In the present case there is no such demand proved, nor 
 is there anything so peculiar in this case as lo take it out of the general rule. It can- 
 not be considered as a check fraudulently drawn, without effects in the hands of the 
 banker. The presumption is, that the check would have been paid if diligently prc- 
 HCtited ; at least, there is not evidence suflicicnt to justify a resort to the drawer without 
 having made the experiment." The answer to this may jjerhaps be, that the drawer is 
 lK)un(l to know what hi.s Imlani-e in the bank is, and as the holder is not bound vo pre- 
 sent a check, in any case, until the ncrxt day, and as there were checks outstandii>g, the 
 amount of which, added to that of the check in suit, exceeded his balance, the prcsumvi
 
 CH. Xm.] EXCUSES FOi; WANT OF NOTICE. 553 
 
 no right to allow any pai-ty to overdraw ; (g-) consequently the 
 drawer cannot expect it ; and where there are funds sufficient to 
 pay a part only of the check, it is difficult to see how the di-awer 
 can be considered as having a right to expect that the clieck will 
 be paid, inasmuch as the bank has a right to have the check 
 delivered up to it on payment, as a voucher, and the holder 
 would be unwilling to give it up on part payment only, because 
 it would be sui-rendering the evidence of the drawer's indebted- 
 ness to him. (A) It would seem, also, that the fact that the bank 
 held in pledge security belonging to the drawer would not alter 
 the case, since checks are supposed to be drawn on cash actually 
 on deposit ; unless the bank had promised on this security to pay 
 the checks. 
 
 It has been held that this excuse is only applicable to the 
 
 tion of payment would have been slight. A small balance will not entitle the drawer 
 10 presentment and notice. Coyle v. Smith, 1 E. D. Smith, 400. In the Matter of 
 Brown, 2 Story, 502, where there were two checks to the amount of $ 1,430. and a bal- 
 ance of $ 30 on the day when they were drawn. Eichelberger v. Finley, 7 Harris & J. 
 381, where there were two checks, one for $ 1,450, and the other for $ 1,500, both dated 
 March 26. At the date, the drawer's balance in the bank on which they were drawn 
 was S 500, on the next day $ 400, and for several days after from $200 to $400. The 
 checks were presented June 3. In May, the bank appropriated all the funds of the 
 drawer to the payment of a debt due by him to the corporation, in consequence of cer- 
 tain stock transactions. 
 
 (g) In Eichelberger v. Fhiley, 7 Harris & J. 381, 387, Dorset/, J. said, after referring 
 to the cases on bills of exchange : " But it is conceived that, waiving all exceptions to 
 the soundness of these decisions, they bear no application to the case now under con- 
 sideration. They were made on transactions between individual correspondents who 
 may have had a mutual confidence and credit, and were perfectly competent to honor 
 each other's bills, drawn either with or without effects. Not so as to the officers of the 
 public banking institutions in this State. With them the customers of the bank have 
 no accommodation credit, and without a gross violation of their trust, they can honor 
 no check or draft upon them beyond the amount of deposits standing to the credit of 
 him by whom such check or draft may be drawn." 
 
 (It) In the Matter of Brown, 2 Story, 502, 519, Story, J. said : " Now in the case of 
 a check, I take it to be clear, that the drawer implicitly engages that, at the time when 
 the check is due and payable, he has, and will have then, and at all times thereafter, 
 sufficient funds in the bank to pay the same, upon presentment ; and by the draft, he 
 appropriates those funds absolutely for the use of the holder. Now the bank is not 
 bound to pay, unless it is in full funds ; and it is not obliged to pay, or to accept to pay, 
 if it has partial funds only, for it is entitled to the possession of the check on payment; 
 *nd indeed, in the ordinary course of business, the only voucher of the bank for any 
 payment is the production and receipt of the check, which the holder cannot safely part 
 with, unless he receives full payment, nor the bank exact, unless under the like cir- 
 cumstances. The holder is not bound to accept part payment, even if the bank is 
 willing to pay in part, for he has a claim to the entirety." 
 
 vol.. I. 4 7
 
 554 NOTES AND BILLS. [CH. XIIL 
 
 druwer, and does not apply in the case of an indorscr, because 
 the latter has no concern with the accounts between drawer 
 and drawee, and as he has the drawer liable over to him, he 
 may be injured by want of the notice ; and consequently, the 
 indorser is entitled in all these cases to due presentment and 
 notice, (t) 
 
 Though this would be true in general, yet there may be excep- 
 tions. Thus, where the indorser, at the time he indorsed, knew 
 that the drawer had no right to draw, and the latter was under 
 no obligations as regards the former to take up the bill, it may 
 well be doubted whether a demand or notice would be necessary 
 to charge the indorser. (_/') Certainly, if the drawing were a 
 fraud, and the iudorser at the time of indorsing was aware of 
 that fact, he could have no remedy over against the drawer, for 
 he must be considered as a party to the fraud. 
 
 In concluding this particular subject of excuse, we cannot but 
 think that much of the obscurity and confusion which exists is 
 owing to the desire manifested by the courts to lay down and 
 adhere to a fixed and inflexible rule, — that notice is in all cases 
 
 (/) Wilkes V. Jacks, Peake, 202 ; Warder v. Tucker, 7 Mass. 449 ; Mohawk Bank 
 V. Broderiek, 10 Wend. 304, 13 id. 133, a check case; Scarhorou<;h v. Harris, 1 Bay, 
 177; Fotherin;,diam z. Price, id. 291 ; Boijle, C J., Halslon v Bullitts, 3 Bibb, 261, 
 263 ; Deniiistoii v. Imbrie, 3 Wash. C. C. 396 ; Ramdulollday v. Darieux, 4 id. 61 , where 
 Washington, J. said: "'No case has ever yet gone so far as to dispense with notice to 
 iiidorsers. And it is most obvious that tlie reason upon which the rule in Bickerdiko 
 V. BoUnian proceeded is inap])licable to the case of an indorser. A man who draws a 
 bill when he knows that he has no right to do so, and then parts with it for a valuable 
 consideration, is, to say the least of him, guilty of legal fraud, and consequently is not 
 entitled to the benefit of notice. Besides, he cannot be injured from the want of it, as 
 he has no person to look to but the drawee, and therefore cannot suffer if he had noth- 
 ing in his hands on which to draw. But what is all this to an indorscr who has com- 
 mitted no fraud, actual or constructive, and who, having ;i claim to indemnity against 
 every person upon the bill above liimself, ought to be placed in a situation to secure 
 himself if he can f" See Carter v. Flower, 16 M. & W. 743, Parke, B. 
 
 (_;■) In Sisson v. Thomlinson, 1 Selw. N. P., 11th ed., 2.57, Lord EI/('>,horoii(/h, C. J. 
 ruled, that "where tlie indorser has not given any consideration for a hill, and knows 
 at the time that the drawer has not any clfects in the hands of the drawee, he, the in- 
 dorser, is not entitled to notice of the non-payment." So Farmers' Bank v. Vanmeter, 
 4 Hand. Va. 553, where the indorser knew, at tiie time of indorsing, that the drawer had 
 no right to draw, or to expect ]iiiyincnt. The point arose in Fenwick v. Sears, 1 
 Crunch, 259, but was not dcciihd. In ( oincy i'. T)a Costa, 1 Es]). 302, Biiller, J. said : 
 " Thitt it was utidoiihtedly necessary that an indorscr of a note should have notice of 
 the default of the maker in payment. But that was only the case where there wero 
 effectH of the indorser in the mak<;r's hands, and that he might suHer from tl'e want of 
 Buch notice ; but when there were no effects, no notice was necessary."
 
 CH. XIII.] • EXCUSES FOR WANT OF NOTICE. 555 
 
 necessary, to which all circumstances must bend, — rather than 
 to allow an exception, once well established, to be moulded and 
 varied by the changing circumstances of each case. It would be 
 better to overrule the original case at once, than to confine it 
 within artificial limits, or to so pare it away by exception after 
 exception, that the reasons on which the rule itself rests are lost 
 sight of and disappear. 
 
 Questions closely connected with the topic which we have just 
 been considering have arisen in the case of accommodation pa- 
 per. A party may request another to draw upon him, although 
 there may be no funds in his hands, and no expectation of hav- 
 ing any ; and the bill may be drawn at such request, and then, 
 when it is accepted, the acceptor may be able to negotiate it, and 
 thereby raise money on the strength and credit of the drawer's 
 name. In such case the drawer clearly has a right to draw, (A;) 
 and, in accordance with the rule already laid down, is entitled to 
 demand that regular presentment be made, and that due notice 
 be given, in case of dishonor. (/) There is also this additional 
 fact to be taken into consideration, that the acceptor, in such 
 case, is liable to the drawer, and the latter may be injured by the 
 neglect to receive prompt notice, and so be deprived of some op- 
 portunity which he might otherwise have had of indemnifying 
 liimself. 
 
 Tlie same rule applies where the drawer drew for the accom- 
 modation of another party, as an indorser,(w) for instance, or a 
 co-drawer, (w) 
 
 (k) Marshall, C. J., French v. Bank of Columbia, 4 Cranch, 141. 
 
 (/) Sleigh V. Sleigh, 5 Exch. 514, where the drawer paid a part of the bill, knowing 
 that he iiad been dischai-ged by laches in presentment and notice ; and it was held that 
 he could not recover the amount of the acceptor in an action for money paid to his use. 
 See Ex parte Heath, 2 Vcs. & B. 240 ; Bank of Louisiana v. Morgan, 13 La. Ann. .598 ; 
 Shirley v. Fellows, 9 Port. Ala. 300, where there were no funds in the hands of the 
 acceptor, — notice of non-payment was held necessary ; Sherrod v. Rhodes, 5 Ala. 683, 
 where it was held that it made no difference that the drawer owed the acceptor a sum 
 equal to the amount of the bill, since it did not appear that the bill was drawn in pay- 
 ment of the debt. See also Merchant's Bank v. Earley, 44 Mo. 286. 
 
 (m) Whitfield v. Savage, 2 Bos. & P. 277; Cory v. Scott, 3 B. & Aid. 619; Norton 
 V. Pickering, 8 B. & C. 610, where neither the drawer nor indorser had any effects in 
 the hands of the acceptor; Curry v. Herlong, 11 La. Ann. 634; Brown v. Lusk, 4 
 Yerg. 210. But the case might well be different, where acceptance had been refused, 
 the drawer having no pretence of a right to draw, and the accommodated party know- 
 ing this fact. 
 
 (n) Miser v. Trovinger, 7 Ohio State, 281, where it was contended that the unity of
 
 Oi)0 NOTES AND BILLS. [CH. XEI. 
 
 The indorser of a bill for the accommodation of the drawer, (o) 
 or for another indorser,(p) would, for a still stronger reason, be 
 entitled to regular demand and notice ; unless the indorsemeni 
 were proved to have been made under circumstances clearly 
 showing that the drawer had no riglit to draw, or to expect the 
 honor of the bill ; (q) and we should also say, unless these cir- 
 cumstances were known to the indorser. 
 
 A party may likewise indorse a note for the accommodation of 
 the maker, and this being, as we have seen, very analogous to 
 drawing a bill on the maker and an acceptance by the latter, the 
 same rule applies, and tlie indorser is entitled to notice. (r) So 
 
 interest was such that, it being unnecessary to give notice to the accommodated party, 
 rendered it unnecessary to give notice to tlie others. 
 
 (o) Warder v. Tucker, 7 Mass. 449. See Rea v. Dorrance, 18 Maine, 137, where 
 an indorser was discharged, presentment having been made the day after maturity. 
 
 (;)) Brown v. Matfey, la East, 216, where the drawer, acceptor, and two other indors- 
 ers besides the defendant, accommodated the last indorser. It appeared that the defend- 
 ant was not aware, when he indorsed, of the absence of effects in tlie acceptor's hands. 
 
 {q) Farmers' Bank v. Vanmeter, 4 Rand. Va. 553; Sisson o. Thomlinson, 1 Selw. 
 N. P., nth ed., 257. 
 
 (r) French v. Bank of C, 4 Cranch, 141 ; Smith v. Becket, 13 East, 187 ; Sandford 
 V. Dillaway, 10 Mass. 52 ; Jackson v. Richards, 2 Caines, 343 ; Buck v. Cotton. 2 
 Conn. 126; Holland v. Turner, 10 id. 308; Groton v. Dallheim, 6 Greenl. 476, where 
 the indorser was discharged because presentment was made the day after maturity, and 
 no notice given for more than three months ; Bogy (•. Keil, 1 Misso. 743 ; Denny v. 
 Palmer, 5 Ircd. 610. The contrary doctrine appears to have been held in De Berdt v. 
 Atkinson, 2 H. Bl. 336, where the indorser at the time of indorsing knew that the 
 maker was insolvent. The demand was made the day after maturity, and no notice 
 given for five days. The indorser was held. Lord C. J. Eyre's opinion proceeded 
 mainly on the ground that the notice was absolutely useless where the indorser was 
 well aware of the maker's insolvency at the time of indorsing. Buller, J. said : " Here 
 it is plain that the indorser lent his name merely to give credit to the note, and was 
 not an indorser in the common course of business. It is no answer to say that he re- 
 ceived no benefit; he never meant to receive any." Rooke and Heath, JJ. simply con- 
 curred. This case was decided in A. D. 1794, and in seventeen months after a similar 
 question arose in Nicholson v. Gouthit, 2 II. Bl. 610, the facts of which case were as 
 fuliows The maker was insolvent, and the defendant indorsed for his accommodation. 
 Just before maturity the iiidor.>er, learning that the maker had made no provision for 
 the payment of the note at the banker's at whose place of business the note was pay- 
 abb;, desired the banker to refer the i)arty presenting the note to him, and he would 
 pay it, as lie tlien had a fund to meet it. The note was not presented till three days 
 after maturity, and if presentment had been made at the proper time, it would have 
 Iwen jmid ; but not having been so presented, the defendant had paid away the money 
 whicli be held for tliat [lurpose. Tin; indorser was discharged. Lord ("!. J. A'^/e, de- 
 livering tli<! opinion, and llcalh and lUmka, JJ. concurring. Althougti the circum- 
 Htaiicc-* of the two ciuses were not precisely similar, yet tluire was not sufficient differ- 
 ence to reconcile both. In both llie maker was insolvent, and even if the insolvency
 
 en. xin.]* EXCUSES for want of notice. 657 
 
 it would be where the indorser indorses for the accommodation 
 of a prior party or a third person, (a-) 
 
 The case is different where the drawer, (^) or the indors- 
 
 were not actually known to the indorser at the time of indorsing, in the latter case 
 this fact was of no importance. It is somewhat remarkable, that in the latter case 
 no mention whatever was made of the former, although there were three judges at 
 least sittijig in both the cases. But De Berdt v. Atkinson must be considered as 
 overruled. In Leach v. Hewitt, 4 Taunt. 731, Chamhre, J. said: "Mr. Barnes, the 
 learned editor of my brother Bayley's work on Bills of Exchange, has subjoined, on 
 p. 136, a very sensible note upon the case of De Berdt v. Atkinson. He says : ' The 
 court appear to have proceeded on a misapplication of the rule which obtains as to 
 accommodation acceptances ; in those cases the drawer, being himself the real debtor, 
 acquires no right of action against the acceptor by paying the bill, and suffers no injury 
 from want of notice of non-payment by the acceptor. But in this case the maker was 
 the real debtor, and the payee a mere security, having a clear right of action against 
 the makei-, upon paying the note ; and therefore entitled to notice, to enable him to 
 assert that right." In Free v. Hawkins, 8 Taunt. 92, 96, Park, J., interrupting coun- 
 sel, said : " De Berdt v. Atkinson has been shaken in every printed book, and in the 
 practice of every one at the bar.'' So Maule, J., in Sands v. Clarke, 8 C. B. 751, 760, 
 says, "that case has been dissented from, if not distinctly overruled"; Lord Denman, 
 C. J., Terry v. Parker, 6 A. & E. 502. 507 ; Bissell, J., Holland v. Turner, 10 Conn. 
 308. See also the remarks of Marshall, C. J. on these cases, in French v. Bank of 
 Columbia, 4 Cranch, 141, 162. The case of De Berdt v. Atkinson is inconsistent with 
 the cases cited in the previous notes to this chapter. 
 
 (s) Leach v. Hewitt, 4 Taunt. 731 ; Carter v. Flower, 16 M. & W. 743. In this case 
 the declaration alleged, that neither at the time when the note was made, nor after- 
 wards, and before it became due, nor when it became due, and on presentment for pay- 
 ment, had the maker or the payee any effects of the defendant in his hands, nor was there 
 any con-ideration or value for the making of the note, of the payment thereof, or its 
 indorsement by the payee to tlie defendant, and that the defendant had not sustained 
 any damage by reason of his not having had notice of the non-payment of the note. 
 On special demurrer it was held, that against an indorser the declaration was bad, for 
 not stating a sufficient excuse for want of notice ; for, consistently with the allegations, 
 the note mighty have been indorsed by the defendant for the accommodation of one of 
 the prior parties to it, or some third person, in which case the defendant would be en- 
 titled to notice 
 
 (t) Sharp V. Bailey, 9 B. & C. 44, 4 Man. & R. 4, where it was also held that the 
 fact that the drawer drew the bill payable at his own house is evidence that the accept- 
 ance was for his accommodation. Sed qucere. Reid v. Morrison, 2 AVatts & S. 401 ; 
 New Orleans Bank v. Harper, 12 Rob. La. 231 ; Lacoste v Harper, 3 La. Ann. 385; 
 Gillespie v. Cammack, id. 243. See Nicolet v. Gloyd, 18 La. 417 ; Evans v. Norris, 1 
 Ala. 511. In Ex parte Heath, 2 Ves. & B. 240, Lord Eldon said : " The courts were 
 obliged necessarily to decide that, if bills were accepted for the accommodation of the 
 drawer, and there was nothing but that paper between them, notice was not neces- 
 sary, the drawer being, as between him and the acceptor, first liable ; but if bills were 
 drawn for the accommodation of the acceptor, the transaction being for his benefit, tliero 
 must be notice witliout effects. And if, in the result of various dealings, the surplus 
 of accommodrttion is on the side of the acceptor, he is, with regard to the drawer, 
 exactly in the situation of an acceptor having effects, and the failure to give notice may 
 be equally detrimental." 
 
 47*
 
 OoS NOTES AND BILLS. [cH. XIII 
 
 er.(//) is the party accommodated ; because he can have no rem- 
 edy aguiiist the acceptor or maker, inasmuch as his name was 
 put upoii the paper merely to give it credit as regards third par- 
 ties, and Lecause he is bound to provide the maker or acceptor 
 with funds. 
 
 But although a party may make a note for the accommodation 
 of an indorsor, it is said he is not entitled to notice of the dis- 
 honor of the noie at the place where it is payable, (z;) notwitlistand- 
 ing he may have a remedy against the indorser, and his liability 
 to injury is as great as that of an accommodation dravrer or in- 
 dorser, because notice is never required to be given to a party 
 wlio is primarily liable as regards third parties. This must be 
 true so far that the maker is not discharged by want of notice, 
 because no maker is. It may be, however, that such a maker 
 would be considered as standing in the relation of guarantor to 
 a holder who knew all the facts, and that he would be entitled to 
 reasonable notice, and would be discharged if he could show 
 actual injury caused by negligence in this respect. 
 
 It is obvious that many of the principles with respect to excuse 
 for want of presentment must apply equally to failure to give no- 
 tice ; yet it may be well, perhaps, to state them in this place, 
 although it must necessarily involve some i-epetition of what has 
 already been said. 
 
 Where the holder is dead, and no executor or administrator is 
 appointed before the maturity of the bill or note, as the indorser 
 will not be discharged by failure to present at maturity, (7/j) so the 
 Bame facts will of course constitute a valid excuse for not giving 
 
 (m) Rcid V. Morrison, 2 Watts & S. 401 ; Slirincr c. Keller, 25 Peiin. State, 61 ; Archer, 
 J., CloppcT V. Union Bank, 7 Harris & J. 92, 102. In Torrcy v. Foss, 40 Maine, 74, 
 notice to the indorser was held unnecessary, alihouf::li at the maturity of the notes the 
 maker was indehted to the indorser. Tomci/, J. said : " In the case before us, notwith- 
 standinf^ a halanee was in the hands of the maker of the notes, by the agreement be- 
 tween him and the defendant, tlic paper was to be jjrovided for by other means of the 
 defendant, and at no time was it expected that this balance was to bo appropriated for 
 the payment, and the case is to be treated as it would he if nothing was in the maker's 
 hands i)elon;;inf; to him. After the a<^reemcnt bi'tweeii tliem, such as tlie evidence 
 shows that it was, it would have been an absurd expectation on the part of the defend 
 ant, that, because the maker of the notes was owinjj; him a sum short of two hundred 
 dollars, he should have transmitted funds to the bank suilicient to meet the two QOtep 
 which he had n\j^urj\." The amount of the notes was $887. 
 
 ((•) HaiiHbrongh o. Gray, .3 Gratt 350. 
 
 {w) Sii/ira. p. 441.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 559 
 
 notice until after actual presentment,(a:) provided such present- 
 ment be made within a reasonable time after the appointment of 
 the executor or administrator. The same rule has been applied 
 where a note had been left with an agent to collect, who died 
 four days before its maturity, after a sickness of more than 
 a month. The note was locked up in a desk, where it remained 
 nearly a month after his death ; and the executrix, immedi- 
 ately upon its discovery, caused it to be presented and imme- 
 diate notice to be given, which was held sufficient to charge the 
 indorser.(7/) 
 
 Where a note is void as against the maker, no presentment 
 would seem to be necessary,(2r) because there is no one upon 
 whom demand can be made. This reason does not apply to 
 want of notice to tlie indorser that the note was not paid when 
 due ; yet we do not think that such notice would always be ne- 
 cessary. Thus, wliere the note is void, and the indorser looked 
 to is the first, or only indorser, he would be held without no- 
 tice ; (a) and for the same reason tlie party who indorsed a note 
 next after a forged indorsement might be held to subsequent hold- 
 ers without demand on the party whose note is forged, or notice 
 of his refusal ; because, however it might be in fact, the law can- 
 not presume that one whose name is forged to an instrument 
 would pay it. 
 
 It has frequently been remarked, that the indorsement of a 
 note is like drawing a bill on the maker, and an acceptance by 
 the latter. If the analogy is to be carried out, the first valid in- 
 dorsement of a void note would seem to be either like an unac- 
 cepted bill without any drawee, or a bill drawn without any 
 funds, or the expectation of having any. In the latter case wo 
 
 (x) White v. Stoddard, 11 Gray, 
 
 (.(/) Du<;gan V. King, Rice, 239. 
 
 (z) Supra, p. 444. 
 
 (a) In Copp V. M'Dugall, 9 Mass. 1, the indorser was hehl witliout any notice, and 
 the evidence that the note was void for usury appears to have been a recognition by 
 the defendant, an indorser, of its illegality. In Chandler v. Mason, 2 Vt. 19-3, the in- 
 dorser was held without notice being given, as appears by a remark of Hntchinson, J., 
 p. 19.5. The note was void on account of want of consideration. In Gray v. Bell, 3 
 Rich. 71, O'Neall, J thought that the indorser of a note negotiated when overdue 
 was to be regarded as a new maker, or as a drawer without funds, and not entitled to 
 demand or notice. No notice is necessary to be given to an indorser, where the bill is 
 not drawn on a proper stamp. Cundy v. Marriott, I B. & Ad. 696, where the bill had 
 been •iccepted.
 
 560 NOTES AND BILLS. [CH. XIH 
 
 have seen that no notice is necessary ; and in the former, the in- 
 strument is not a bill, but may be treated as a promissory note ; 
 in which case no notice would be necessary, because the drawer 
 is the party primarily liable. 
 
 In one case it was held that a party who indorsed a bill pur- 
 porting to be drawn by an agent on his principal, both of whom 
 were fictitious persons, was entitled to notice ; [b] but it appeared 
 that the indorsement was made for the accommodation of a third 
 party, wlio was therefore liable over to the indorser.(6') But, 
 even if tlie indorser had been aware of the non-existence of the 
 drawer and drawee when he put his name upon the note, he 
 woiild not probably have been considered entitled to notice ; (d) 
 because he would be a partaker in an act well calculated to de- 
 ceive any party who might subsequently purchase the instrument, 
 and miglit prevent the purchaser from inquiring as to the sig- 
 nature of the drawer ; because the indorser had held out the 
 instrument as genuine. 
 
 It may also be remarked, that the indorser is certainly liable, 
 whether he knows that the maker or drawer are actual persons 
 or not, since an indorsement is, as will be seen hereafter, a 
 warranty of the genuineness of the antecedent signatures. (e) 
 The only question is, indeed, whether his liability is that of an 
 ordinary indorser, or that of a maker of a new note. 
 
 Another important ground for the denial of all right in an in- 
 dorser to require demand of the maker and notice of dishonor 
 exists where the indorser, before maturity, has received an assign- 
 ment of all the maker's effects, to secure him for the liability 
 incurred by him as indorser. And the reasons why this fact de- 
 prives the indorser of his right to demand and notice are, first, 
 that he lias thereby in effect prevented the holder I'rom obtaining 
 the amount of the note from the maker, because he has taken 
 into his hands all the available means which the latter possessed 
 of paying the debt; consequently, he unist be i-cgarded as liold- 
 ing out to the party who would ordinarily be required to make 
 a due demand and give regular notice, that he, the indorser, has 
 
 {b) Loach V. Hewitt, 4 Tniint. 731. The opinions in this case are short, aud not 
 yery salisfuctory. 
 
 (c) Piirkr, »., Tarter v. Flower, 16 M. & W. 747. 
 
 (</) fireen, J,, FarmcrH* Bsinli v. Vanmeter, 4 Rand. Va. .'iS.^, 561. 
 
 (fi) fnfi'i, ChiiiiKT (jii iMilurscnicnt.
 
 CH. Xril.] EXCUSES FOR WA^ f OF NOTICE. 56] 
 
 become primarily responsible for the del)t.(/) And, secondly, 
 that having already received from the maker all that the maker 
 can give, he cannot recover anything more from him by way of 
 
 (/) In Corney v. Da Costa, 1 Esp. 302, at a meeting of tlie creditors of tlie makers, 
 it was proposed to assign by deed all their effects to trustees for the benefit of tlie 
 creditors. Afterwards the defendant, to avoid expense, agreed to become indorser of 
 notes at different dates, to be given to the creditors for the amount of their respective 
 compositions ; and the notes were accordingly made payable to his order, and indorsed 
 by him. He took effects of the insolvents to the amount of the composition. The 
 note in suit, being one of those indorsed in this manner, was due Dec. 6th, but no no- 
 tice was given to the defendant until Jan. 14th. The indorser was held. Bul/er, J. 
 said : " The present was not the common case of the maker of a note making dtfoult, 
 and no notice given ; the defendant made himself liable at all events, the creditors in- 
 sisted on it ; he therefore was solely liable, and being so, could not avail himself of 
 want of notice." In Bond v. Farnham, .5 Mass. 170, notice was left on the day of ma- 
 turity at a store formerly occupied by the defendant, but not at that time in his posses- 
 sion. Three days afterwards he was notified The defendant having indorsed several 
 notes for the maker besides the one in suit, the latter assigned to him, as security for 
 the indorsements, all his property, which was not, however, sufficient to secure the de- 
 fendant against the notes, exclusive of the one in suit. The maker was insolvent at 
 maturity. Parsons, C J., after stating that the notice given was insufficient, said : " We 
 are satisfied that the verdict for the plaintiff is right; because, under the circum- 
 stances of this case, the defendant had no right to insist on a demand upon the maker. 
 It appears that he knew such a demand must be fruitless, as he had secured all the 
 property the maker had, and as he secured it for the express purpose of meeting this 
 and his other indorsements, he must be considered as having waived the condition of 
 his liability, and as having engaged with the maker, on receiving all his property, to take 
 up his note. And ttie nature or terms of the engagement cannot be varied by an event- 
 ual deficiency in the property, because he received all there was." See this case com- 
 mented upon iiifra, p. .568, note o. In Barton v. Baker, 1 S. & R. 3.34, one member of 
 a firm which made the note assigned all his estate to the defendant, to indemnify him 
 for certain advances of money, and for indorsements on account of the firm, one of 
 which indorsements was in suit. This was held to be a waiver of laches in giving notice, 
 Tilghman, C.J. said: "Now, by the taking of this assignment, it is not unreasonable to 
 presume that the defendant took upon himself the payment of the indorsed notes, espe- 
 cially as. when he did receive notice ten days after the note fell due, although he knew 
 and remarked that it was out of time, he did not deny his responsibility, but said that 
 his ability to pay would depend on the arrival of a vessel. I agree, therefore, with Bond 
 V. Farnliam, h Mass. 170, where it was held that, in such case, the indorser dispenses 
 with notice." See also the remarks of Gibson, C. J., in Kramer v. Sandford, 4 Watts 
 & S. 328. 
 
 In Bank of South Carolina v. Myers, 1 Bailey, 412, the defendant had taken from 
 the maker a confession of judgment which covered the whole estate of the latter. It 
 was held competent for the plaintiff to show, by parol evidence, that the confession of 
 judgment was intended to secure the indorser against his liability on the indorsement, 
 that this was a waiver of demand and notice, and that the defendant was liable, not- 
 withstanding laches in giving notice. Colcock, J. said : " Whether notice may be dis- 
 pensed with in a case where the indorser takes collateral security, which covers thfl 
 whole of the maker's estate, whereby he not only enables himself to pay the debt, but 
 interposes an in.«urinountal>lc obstacle to the recovery of the holder, must be determined 
 
 Vol. I.— 2 L
 
 j62 NOTES AND BILLS. [CH Xm. 
 
 indemnity, and therefore cannot be injured by losing an opportu- 
 nity to demand indemnity. 
 
 The rule we consider to be established by the weight of au- 
 
 by referring to the reason of the rule, and its application to such a case. The reason 
 of the rule is stated by all writers on the subject to be, that the parties to the note or 
 bill may, respectively, take the necessary measures to obtain payment from the parties 
 respectively liable to them ; and if notice be not given, it is a presumption of law that 
 the drawer and indorsers arc prejudiced by the omission ; and it is on this principle that 
 notice of non-acceptance and non-payment are required. On the case made, it is at 
 once obvious that, if notice is given to the indorser, be is not benefited by it. He has 
 already secured himself as far as it is practicable for him to do so. He had obtained an 
 operative lien on all the maker's estate, as well as the means of taking his body, if he 
 should think that proper or necessary. If an individual, who is not content to rely on the 
 security which the rules of law afford him, thinks proper to protect himself, surely there 
 can be no reasonable olijection interposed to his doing so, provided he does not thereby 
 interfere with the rights of others; but if in his arrangements he destroys the operation 
 of a rule of law which may be beneficial to another whom he has induced to enter 
 into the contract, it cannot be doubted that he should respond in damages to such per- 
 son. Now this previous judgment, covering the whole of the maker's property, most 
 manifestly prevents the plaintiff in this case from proceeding ; for the decisions of our 
 court-; always have been, that the sheriff must pay over money to the oldest judgment 
 and execution creditors. It would, therefore, have been a nugatory act, in such a case, 
 to have forced a sale of the maker's property. This interposition of the indorser may, 
 [ think, be considered in the lij^ht of a legal fraud ; for it might in fact be made use of 
 to effect a moral fraud. I mean not to intimate that such has been the case here. But 
 suppose, in such a case, that the holder should not discover the purpose for which judg- 
 ment had been given, would he not be defeated in his proceedings to recover his debt? 
 There certainly is nothing to prevent the indorser from selling all the property under his 
 judgment, and disposing of it as he pleases. And take the case where all the parties 
 are ai)prized of the object and intention of the maker in confessing a judgment to secure 
 the indorser, if it affords an additional security to the holder, it is by diminishing the 
 old security; and it is like an undertaking on the part of the indorser, in addition to 
 his own responsibility, to pay the debt out of the maker's funds which are thus placed 
 at his disposal, or at least subject to his control." After conmicnting upon the ciisos 
 citcil previously in this note, the judge concluded by saying: "We are ourselves 
 unanimously of opinion that these cases, so far as authority is important, are sufficient; 
 and that the reason of the rule ceasing, the rule itself is rendered inapplicable." See 
 Barrett v. Charleston Bank, 2 McMuUan, 191 ; Stephenson v. Primrose, 8 Tort. Ala. 
 I.').") ; Perry v. Green, 4 Harrison, 61. In Vreeland v. Hyde, 2 Hall, -129, the niakeis had 
 made an assignment of their property to the defendant and another party for the benefit 
 of their creditors, wherein it was stipulated that, if the defendant was liable on his in- 
 dorsement of the note in suit, the money should be refunded to him out of the pro- 
 reeds of the assignment. As was well remarked by Ilornhhwer, C. J., in Perry v. 
 Green, 4 Harrison. 61, this was a sufiicient reason for a judgment in favor of the plain- 
 tiff, who had neglected to make a demand for un unreasonable time ; although it was 
 not adverted to by the court, who decided the case for the plaintiff on very questionable 
 grounds. Mechanics' Bank v. Griswolii, 7 Wend. Ifi."), where the assignment was of 
 all the maker'.s properly to the defendant and one other, in trust, to dispose of the prop- 
 erty, collecl the debts, and, after deducting tlic charges of the trust, to pay the debts in 
 a certain «rd<r, lirsi snii-Cying all tin' iiolcs and dcliN for wliirli the defeudart and a ccr-
 
 CH. Xra.] EXCUSES FOR ^Vi^NT OF NOTICE. 563 
 
 thoritj, even where the property assigned is insufficient to cover 
 the wiiole liability of the indorser.(.ij-) FJut there is authority to 
 the effect that such assignment is no waiver of due demand, 
 unless it is sufficient to entirely protect the indorser,(/i) and an 
 
 tain firm, or either of tlicm, were liable as sureties or indorsers ; Nelson, C. J., Spencer 
 i;. Harvey, 17 Wend. 489. See Bruce w. Lytic, 13 Barb 163; Johnson, J., Seacord 
 V. Miller, 3 Kern. S.'j ; Benedict v. Caffe, 5 Duer, 226, 233 ; Hosnier, C. J., Prentiss 
 V. Danielson, 5 Conn 175, 180; Duvall v- Farmers' Bank, 9 Gill & J. 31. In 
 Denny v. Palmer, b Ired. 610, the judge refused to chary;e tiie jury, at the request of 
 the plaintiff, that if the makers iiad conveyed all their property to a trustee, as an in- 
 demnity to the defendant, this was a waiver of notice. This refusal was held correct. 
 But it appears by the facts that the conveyanee did not comprise all the maker's prop- 
 erty. In Coddington v. Davis, 3 Denio, 16. the maker assigned all his property tb 
 one of the plaintiffs, in trust, to pay his debts according to a certain order of preference, 
 and among the first in order was the defendant, for the indorsement sued on and for 
 other debts. The defendant also signed an order addressed to the trustee, directing him 
 to pay to the order of the jilaintiffs all the money as fast as collected, to tlie extent of 
 the indorsement. There was also an express waiver. Jewell, J. thought the assign- 
 ment a waiver of notice. This case was affirmed in the Court of Appeals, 1 Comst. 
 186, but the court titere proceeded upon the express waiver. 
 
 ((/) Bond V. Farnham, .5 Mass. 170, supra, p. 561, note /I 
 
 (A) 111 Watkins v. Crouch, 5 Leigh, 522, the note in suit was pa3'able at a particular 
 place, and not having been presented there, the indorser was not liable. But he had re- 
 ceived an assignment of all the maker's effects ; and this, it was contended, amounted to 
 a waiver of his right to require a demand to be made at the specified place, and put him 
 in the same condition in which the maker was. It was contended by counsel that no 
 indemnity was especially provided for by the deed of assignment as to the note in suit, 
 but that it was only provided for in a general provision for all the debts of the assignor. 
 The court seem, however, to have considered it as providing an indemnity to the in- 
 dorser for a fourth part of the note. These facts were held no waiver of the indorser's 
 right to require a demand at the place specified, Brooke, J. dissenting. Carr, J. said : 
 " The deed is made an exhibit in the bill of exceptions, and I think may fairly be con- 
 sidered a conveyance of all the grantor's property. It is given for the security of 
 several enumerated debts, and among others of one fourth of the note on which the suit 
 was brought. What was the value of the property, or wliat proportion it bore to the 
 debts intended to be secured by it, does not appear ; that it was not sufficient to secure 
 the whole we are obliged to conclude When a note is made payable at a par- 
 ticular place, proof of a demand at the place is indispensable, in a suit against the 
 indorser Did the deed place the indorser completely in the shoes of the maker ? I 
 should agree that it did, if it appeared that the property conveyed was sufficient for full 
 indemnity against the note, and was by the deed appropriated to such indemnity ; but 
 the sufficiency of the property makes no part of the case ; and it appears by the deed that 
 the trustees arc not authoriz.ed to appropriate any part of it to indemnity against more 
 than a fourth of the note. It was said, however, that the property, whether adequate 
 rr not, was all the maker had ; and that, having thus become utterly insolvent, there 
 could be no hope of his providing funds at the bank to discharge the note, and 
 therefore no necessity of presentmg it. But we sec, from many cases, that the most 
 perfect knowledge of the insolvency, or even bankruptcy, of the maker, does not dis- 
 pense with a due presentment and notice of dishonor. He may have friends or credit:
 
 oti4 NOTES AND BILLS. [ CH. XlJl 
 
 opinion has been intimated, that an insufficient assignment may 
 
 or the sagacity and vigilance of the indorser may discover other sources of indem- 
 nity. It is his own aflpiiir, and he ought to be the judge But it was said, that 
 
 here the insolvency is produced by the indorser himself: that he has appropriated to 
 his own use the funds which might have gone to discharge the note ; and that we 
 cannot suppose such a conveyance would be made without an agreement between 
 the parties, that the indorser should attend to the note, take tiie maker's place, 
 and release him from all further care about it. I cannot perceive the correctness of 
 this reasoning. Why should the indorser take the maker's place ? Was it not better 
 that he should continue to hold his station of collateral surety ? Better both for 
 himself and the maker? He was bound conditionally for the debt, and he might well 
 say to the maker : ' My friendship for you has led me into this engagement ; it is but 
 fair that you secure me, so far as you can ; your property may not pay a fourth of the 
 debt, yet it will be something ; in the meanwhile we will continue to hold our relations 
 of principal and surety ; before the note comes to maturity new prospects may open upon 
 vou, new friends may arise, new accessions of fortune may fiiU in ; and the holder of 
 the note will have to proceed with due diligence before he can come upon me.' Is not 
 this the more natural course ? And does it invade any right of the holder, or impose 
 any hardship on him 1 No ; he has only to attend to his own interest, and pursue the 
 beaten track of due diligence. I cannot think, then, that, by the execution of the deed, 
 the indorser lost his character of surety, and became a principal debtor; and I am 
 of opinion that, in order to charge him, it was incumbent on the holder of the note 
 to prove, at least, a presentment at the place of payment, if not due notice of such 
 presentment." Cabell, J. said : " The indorser, in taking an assignment of property 
 sufficient to p.ay only part of the note, did not undertake to pay the residue. It may 
 be confidently asserted, that there is not, in the terms of the assignment, any express 
 contract to that effect ; nor can I see a single circumstance in the whole transaction 
 from which such a contract can be implied. The assignment of property sufficient only 
 for the partial indemnity of the indorser was a matter between him and the maker of tlie 
 note. There was no motive in either of the parties to that arrangement, which could 
 induce a wish that the indorser should waive the condition of his liability. How, then, 
 can we imply such waiver in favor of a person who was no party to the arrangement ? 
 How can we imply it from the mere fact of a partial indemnity ? Suppose the maker 
 of the note had had no other property but money, not equal, however, to the amount of 
 the note, and iiad put that money, all he had, into the hands of the indorser, to be ap- 
 plied bv him to the payment of the note, would this have exempted the holder from the 
 obligation of presenting the note, and giving notice of its dishonor? Certainly not; 
 and I am unable to sec any difference between the deposit of money and the assign- 
 m(,'nt of pro])erty, so far as regards the jioint under considerntion. Nor is there any 
 resemblance between an indorser of a note partly indemnified, and the drawer of a 
 bill of exchange, who withdraws his effects from the hands of the acceptor before the 
 dav of pavinent. In the hitter case, the drawer has no right to expect that the acceptor 
 will [lav, and therefore he is not entitled to notice. Rut the indorscr's right to notice 
 from the holder depenrls on nnothcr principle, namely, his remedy over against the 
 milker. And this priricii)le applies as forcibly to a case where a part only of a note 
 remains unpaid or unprovided for by the maker, as wiicro tlie whole of it remains so 
 iinpiiid or unprovided for. Again, the assii;nment in this case was made al)out a month 
 l)efore the note was to fall due. It is impossible for ns to say that no accession was 
 made, in tliat interval, to the maker's means of payment ; and, of course, we cannot 
 Hay tlinl notice to the indorser would have been unavailing."
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 565 
 
 be a waiver of notice, but not of regular demand. (i) It seems 
 to have been held that the assignment, to have the effect of a 
 waiver, must be for the purpose of protecting the indorser from 
 
 (i) Tucker, P., Watkins v. Crouch, 5 Leigh, 522, 547, who said : " If the question 
 was merely as to notice, I should incline to think the taking a conveyance of all his 
 property from the maker ought to dispense with the necessity of notice. The object of 
 notice to the indorser is to put him on the alert, to announce to him that he will be 
 looked to, and to warn iiim to take care of himself And hence even insolvency 
 or bankruptcy is no excuse for want of notice, since it is possible the indorser might 
 find some means to save himself out of the wreck of his debtor's fortune, or through 
 the assistance of his friends. But when the indorser himself, conscious of his liability, 
 is already on the alert, and proceeds to take care of himself with all diligence and 
 activity, and actually sweeps the whole estate of the maker for his own indemnification ; 
 when he has done this with a knowledge of the maker's insolvency, and after consult- 
 ing with a friend whether he had better pay the note, or sutler it to take its course, cui 
 bono shall the holder give him notice? Is it to stimulate his vigilance, who has proved 
 himself already so watchful 1 Is it to warn him to take care of himself, who has been 
 already on tJie alert, and has swept otf land, negroes, stock, household and kitchen 
 furniture, bonds, bills, notes, and open accounts, and all other property of the maker '\ 
 It were a mockery to give, or to require a notice to be given, to one thus circum- 
 stanced. If paj'ment of part, or a promise to pay or to see it paid, or an acknowledg- 
 ment that it must be paid, dispenses with the necessity of notice, how much stronger is 
 the case of one who not only confesses his liability, by taking an indemnity providing 
 'for paying otf and discharging the note,' but who takes a conveyance of every article 
 of property held by the maker, and thus prevents the maker's complying, in whole or 
 in part, with his engagement to the holder. Accordingly, we find the clearest authority 
 on this subject in the courts of two of our sister States, — Bond o. Ifarnhara, 5 Mass. 
 170; Barton v. Baker, 1 S. & R. 3.34, — in both of which the acceptance, by the in- 
 dorser from the drawer, of a general assignment of his estate and effects, was held to. dis- 
 pense with the necessity of notice. That the assignment was made, in this case, to a 
 trustee, I consider not at all varying the case. But this is not a question as to notice. 
 In this case the bill never has been presented for payment, at the places appointed ; 
 and the question is, whether this assignment of the maker's effects, for the indemnity 
 of the indorser, places him so far in the shoes of the maker as to exempt the holder, in 
 an action against the indorser, from averring and proving a demand at the time and 
 place specified by the hill. It seems to have been admitted in the argument, that, 
 unless the indorser has placed himself in the shoes of the maker, this averment and 
 proof cannot be dispensed with. This was properly admitted, upon the ground already 
 stated, that, as the indorser had engaged to pay what was not his own debt, at a certain 
 time and place, the demand is an essential part of the plaintiff's title, and nmst, therefore, 
 be averred and proved. The question, then, really is, whether the indorser has placed 
 himself in the shoes of the maker, by taking this indemnity. The answer must, I 
 think, be in the negative. Had he received funds adequate to the discharge of the 
 note, he would indeed have been in the shoes of the maker, and no demand at the 
 place would have been essential. But how can he be said to be in the place of the 
 maker, if the assignment is inadequate to the payment 1 If he was in the shoes of the 
 maker by reason of the assignment, he was so at the instant of that assignment; that 
 IS to say, he was from that moment to be considered the real debtor for the whole, 
 vhile he received indemnity only for a fourth; and an indemnity, too, which might 
 VOL. L 48
 
 66(1 NOTES AND BILLS. [CH. XID. 
 
 his liability as indorser ; (j) though it would also seem that the 
 general reason that the indorser has prevented the holder from 
 obtaining payment of the maker might apply to the case of a 
 general assignment, or to one for the express purpose, among 
 
 prove inadequate even to that. Moreover, from that instant the holder would have 
 been absolved from all necessity of making a demand, or otherwise proceeding against 
 the maker, whatever might be his subsequent acquisitions, by descent, by marriage, by 
 the fortune of trade, or otherwise, I cannot think this reasonable. I cannot think such 
 an inadequate assignment can absolve the holder from his obligation to demand pay- 
 ment, nor is there any authority to sanction the position." It may, perhaps, be doubted 
 whether it was exactly correct to contend that the indorser, in this case, was to be con- 
 sidered in the i)lace of the maker. The question really was, whether any demand at 
 all was necessary. If none were requisite, then it would be unimportant when or 
 where the attempt was made. But it may also happen that an indorser would be 
 liable without a demand, when the maker would not. Thus where a note is made 
 pavable at sight, it is necessary that it should be presented to tiie maker before he is 
 liable. But suppose a demand had been waived, or excused, by the indorser. In that 
 case he would be liable without any; so that less would be required of the holder, as 
 against the indorser, than as against the maker. But in Denny v. Palmer, 5 Ired. 610, 
 Ruffin, C. J. seemed inclined to think that due notice was not waived by the mero 
 assignment of all the maker's property. 
 
 (j) Benedict v. Caffe, .5 Duer, 226. 2.33. In this case the presentment was held in- 
 sufficient, because made at an improper place. The makers had made a general assign- 
 ment of their property, for the benefit of their creditors, to the indorser. The terms of 
 the assignment were not disclosed. Boswortli, J. said : " If the case had disclosed the 
 contents of the assignment, it might have appeared to be a general assignment of all the 
 property of the assignors to the first indorser, upon trusts, and among others, to first pay 
 all notes made by the assignors, on which he had been, or might be, made liable as 
 indorser. If so, Mechanics' Bank v. Grisvvold, 7 Wend. 165, supra, p. 562, note/, is an 
 authority, that neither demand nor notice would have been necessary to charge him, as 
 indorser. But tiie case does not disclose the terms of the assignment." In Creamer v. 
 Perry, 17 Pick. 332, by the statement of facts as giveii by the reporter, it appears that the 
 maker iiad assigned all his projierty to the indorser and one otlicr party, for the benefit 
 of his creditors ; and tliat the defendant was a preferred creditor and fully secured for all 
 his demands and liabilities. There were laches in demand and notice. The plaintiff 
 was nonsuited. Sliaw, C. J. said : " On the first ground, we tiiink that the most which 
 could i)e made of the evidence is, that after this note was made, but several months 
 before it became due, the promisor made an assignment to trustees, upon trust, among 
 other things, to secure the defendant for all debts due to him from the promisor, and to 
 
 indemnify the defendant against all his liabilities We think the effect of this as- 
 
 Hignment was, to secure and indemnify him against his legal lial>ilities ; and as his liability 
 as indorser on this note was conditional, and depended upon the contingency of his having 
 HciLsonable notice of its dishonor, his claim ujion tiie pro])erty dejiended ni)on the like con- 
 tingency." Either the learned judge overlooked the fact that the assignment was of all 
 the maker's property, or else, we think, tiiis case must be considered as overruling Bond 
 V. p'arnham, 5 Ma.ss. 170, which case, however, is not mentioned or commented upon. 
 In the latter ciw. the assignment to tlie defendant was " for his security against his in- 
 dorsemimts." This must mean " his lial)ilities us indorser "; and wc do not see how 
 the two cases <-an he reconciled on this imiut.
 
 CH. XIII,] EXCUSES FOR WANT OF NOTICE. 5G7 
 
 others, of covering the indorsement; at least, parol evidence is ad- 
 missible, we think, to show that the indorsements were intended to 
 be covered. (/c) It is incumbent on the party who relies upon a gen- 
 eral assignment of all the maker's effects (no particular indorsement 
 being specified), as a waiver of demand and notice, to prove satis- 
 factorily that the whole estate was assigned ; because this, being an 
 exceptit)n to the general rule, should be strictly proved. (?) A mort- 
 gage is held not to operate as a waiver.(??) 
 
 It will be seen that one objection to this doctrine of waiver is, 
 that the maker, after having made the assignment, may, by de- 
 scent, by marriage, by the fortune of trade or otherwise, have 
 come into possession of some property, and that the indorser 
 should be entitled to the benefit of these facts. (m) These 
 chances may be, however, among the minutiae which the law 
 does not recognize ; (n) but still, if they could be proved to exist, 
 there are strong reasons, we think, to consider them as doing 
 away with the waiver. 
 
 The right of an indorser to receive notice, when he has pos- 
 sessed himself of all the property of the maker or acceptor, 
 must be determined by different principles from those wliich 
 apply to the case of an indorser to whom the maker or acceptor 
 has assigned special property by way of security for his indorse- 
 ment. 
 
 There are many cases in which this matter of taking security 
 before maturity, by the indorser, is discussed ; and there is no 
 little confusion and uncertainty in the law on this point. Ac- 
 cording to some authorities, if the indorser, before maturity, 
 obtain from the maker effects sufficient to secure the whole lia- 
 bility incurred by him on account of any particular indorse- 
 ment, and the effects are received for that purpose, both de- 
 
 {k) Bank of South Carolina v. Myers, 1 Bailey, 412, supra, p. 561, note /. 
 
 (0 Dmall V. Farmers' Bank, 9 Gill. & J. 31. See Denny v. Talnier, 5 Ired. 610. 
 
 {II) Moses V. Ela, 43 N. 11. 557. 
 
 (m) Tucker, P., supra, p. 565, note i. Carr, Cabell, JJ., supra, pp. 563, 564, 
 note h. 
 
 (n) This objection does not seem to have been much considered b}' the courts in the 
 cases cited sujtrn. Brooke, J., in his dissentini; opinion, in Watkins v. Crouch, 5 Leigh, 
 522, 539, said: "If there was any new accession of property, he was as well prejwired 
 to take care of himself as if the note had been duly presented." In Kramer v. Sand- 
 ford, 4 Watts & S. 328, Gibson, C. J. said: "The chance of the maker's acquirement 
 of other property, to which he might resort, if the funds in his hands should fall short, 
 is so inconsiderable as to fall within the maxim cle minimis.''''
 
 568 NOTES AND BILLS. [CH. XHL 
 
 mand and notice are waived ; on the ground that the indorser 
 has, by his own act, obtained all the benefit which the law of 
 demand and notice confers, and that therefore there is no reason 
 for the requirement of these conditions. (o) It seems to be clear, 
 
 (o) In Bond v. Farnham, 5 Mass. 170, Parsons, C. J. said: "We do not mean to 
 be understood that, when an indorser receives security to meet particular indorse- 
 ments, it is to be concluded that he waives a demand or notice as to any other indorse- 
 ments. But we are of oijinion that, if he will apply to the maker, and, representing 
 himself liable for the payment of any particular indorsements, receives a security to 
 meet them, he shall not afterwards insist on a fruitless demand upon the maker, or on 
 a useless notice to himself, to avoid payment of demands which, on receiving security, 
 he has undertaken to pay." This can only be considered as a dictum with reference to 
 the point now under consideration, and it does not appear clearly what the language 
 really means. In Mead v. Small, 2 Greenl. 207, the head note is as follows : " If the in- 
 dorser of a note has protected himself from eventual loss by taking collateral security of 
 the maker, it is a waiver of his legal right to require proof of demand on the maker, and 
 notice to himself." Metlen, C. J. said : " It appears the maker was destitute of all per- 
 sonal [n-operty liable to attachment ; that the defendant received and held a mortgage 
 of the maker's real property, sufficient to secure the payment of said note ; and wiiich 
 was made for that express purpose. These facts present a stronger case in favor of the 
 plaintiff than those in Bond v. Farnham, 5 Mass. 170. There the property pledged 
 was not a sufficient indemnity to the indorser, but it was all which the maker had. 
 
 Here it is proved to be sufficient But if the indorser has protected himself from 
 
 eventual loss by his own act in taking security fiom the maker, such conduct must bo 
 considered as a waiver of the legal right to require proof of demand and notice. And 
 we are of opinion, accordingly, that the facts before us clearly show such a waiver in 
 the present case." But by the facts of the case it appears that, when the defendant 
 transferred the note to the party who transferred it to the plaintiff, it was agreed that 
 the maker should not be sued, not having any personal property liable to attachment; 
 and that if the latter could not pay, the note should be returned to the defendant, 
 who held the mortgage. These facts may, as will be shown hereafter, have an 
 important bearing on the case. In Marshall v. Mitchell, 3.5 Maine, 221, Welles, J. 
 (>aid : " If the indorser has security in his own hands fully equal to his liability, he 
 can suffer no loss by the want of demand and notice ; therefore he has been held 
 liable, in such ease, without proof of those facts. And if the security is taken 
 before the maturity of the note, it caimot be material wiiether it was before or after 
 its negotiation. In either case it furnishes an indemnity." This is also a dictum. 
 There is also a dictum of I/osmer, C J., Prentiss v. Danielson, 5 Conn. 175, that, 
 " If an indorser receives security to meet a particular indorsement, he waives a 
 demand and notice in respect of that indorsement, but not as to any otiier." In 
 Durham ;;. Price, .5 Yerg. 300, there had been laches in making demand and giving 
 notice. There was evidence tiiat the inilorser was fully indemnified, and also promised 
 Uj pay after maturity. The judge instructeil the jury, if the defendant had full indem- 
 nity, or promised to pay after maturity, with full knowk^dge of all the facts, to find 
 for the plaintifr. A verdict for tiie plaintiil" was sustained. In Barrett v. Charles- 
 ton P»iiiik, 2 M<'Miillan, 191, a boinl and mortgage was assigned by the maker to a 
 third party, in trust, to secure the defendant as indorser, if the nniker should fa'l to pay 
 the nf)te. 'I'lie uoUrr. wa.s insiilTiciciit liccausc; it was d(!posit(ul in the j)ost-offiee, tiio in- 
 dorHcr und hcjlder both liviny in the same [daeo. The indorser was held t'mni J.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 569 
 
 however, that no court would hold such reception of indomnity 
 to be a waiver, unless it is sufficient to entirely pi'otect the in- 
 dorser, and on this point, according to many authorities, lies the 
 distinction between securing all the maker's effects, and an 
 
 thought that the cases cited supra did not depend upon the fact that tiie wliole of 
 the maker's estate was assigned, but that the ground for these decisions was, that the 
 indorscr was secured. In Stephenson v. Primrose, 8 Port. Ala. 155, the point seems to 
 be decided. But Collier, C. J. said that there might be exceptions. See also Hohnan 
 V. Whiting, 19 Ala. 703, hut in that case the assignment, which was of a judgment, 
 was made to the defendant's attorney, and there was no evidence that the defendant 
 either assented to or knew of it ; and he was discharged on account of no demand 
 being made, or notice given. In Watt v. Mitchell, 6 How. Miss. 1.31, the demand was 
 made a day too late, but notice was given on the day of maturity. The defendant was 
 indemnified by a mortgage, and was held on that ground. Evidence was otlVred by him 
 to prove that the mortgage, when foreclosed, was insufficient to cover the liability, but it 
 was held inadmissible. It also appeared that the defendant had, prior to foreclosure, 
 released a part of the mortgaged property. The court said : " We are of oj)inion that 
 this evidence was properly ruled out. The question is, whether an indorscr, who ob- 
 tains indemnity for his indorsement from his principal, does not thereby dispense with 
 notice of demand and refusal to pay. We think he does, and especially under the cir- 
 cumstances of this case. Here the indorsers obtained a formal mortgage of a very large 
 amount of property, and had the same recorded, as an indemnity against their several 
 undertakings and liabilities ; and that they actually, of their own accord, released to 
 their principal a large portion of the mortgaged estate, without any agency or consent 
 of the holder of this note ; and if the property remaining in their hands proved insufficient 
 to indemnify them, it was their own fault, and not binding on the holder of the paper." 
 In Walker v. Walker, 2 Eng. Ark. 542, the second indorscr of a bill had received 
 ample indemnity from the first indorscr. The judge charged the jury, if they believed 
 that the indemnity was then taken, and was at that time sufficient, to find for the plain- 
 tiff, although he had received no notice, notwithstanding the indemnity afterwards be- 
 came doubtful as a means of security. The instructions were held correct. Oldham, J. 
 said, after referring to the rule with respect to indemnity: " It is contended by the plain- 
 tiffs in error that this rule extends only to cases 'where there are but three parties, the 
 drawer, indorser, and payee, and the indorscr takes from the drawer an assignment for 
 the express purpose of paying the bill, and thereby making a demand on the drawer 
 fruitless, and becoming himself the real debtor.' We have taken some pains to look 
 into the reported eases to see if this position is correct. We find that many of the 
 cases do not go further, because the facts involved in them did not require a more ex- 
 tensive application of the rule." After citing several cases, the judge continued : 
 " These cases fully establish the principle that, if the indorser take a sufficient security 
 from the maker to indemnify him against his indorsement, it will dispense with proof 
 of demand and notice of non-payment. But it is insisted that the security in this case 
 vas from the first to the second indorser. The same relation exists between them as 
 lu'tween the drawer and the first indorser. and the reason of the rule applies as readily 
 to one case as the other. And in this view we are sustained by Judge Stori/, who, 
 after statl..-g the general rule as between the drawer and the indorser, continues : ' It fol- 
 ',ows a fortiori that, if, by prior arrangements between any of the parties, the neceisity of 
 notice has been exjiressly or impliedly dispensed with, as between these parties, no notice 
 need be given.' One of the defendants below received notes as an indemnity to him 
 48*
 
 5TV^ NOTES AND BILLS. [CH. XIH. 
 
 assijinineut sufficient to cover a particular indorsement; the 
 former circumstance rendering- it immaterial whether sufficient 
 security is taken, while the adequacy of the security is essential, 
 to make the latter a valid waiver, (j?) 
 
 against his indorsement. The amount was amply sufficient to cover his liability ; and it 
 was proven that the makers of those notes, at the time of maturity of the bill, were good 
 for the amount. We are consequently of opinion that the facts proven dispense with 
 the necessity of proof of demand and notice as to that defendant, and that the instruc- 
 tions of the court below on that point were correct." The language used in this case 
 is somewhat obscure, on account of confounding the words " maker" and " drawer." 
 In Kyle v. Green, 14 Ohio, 495, the defendant received the note of a third person, 
 as a part of the consideration for a tract of land which the former agreed to convey on 
 payment of the note. 'I'he defendant had signed a title-bond, but retained the title in 
 his own hands. The vendee was the first indorser. He had indorsed it to the plain- 
 tiff, who offered no evidence of demand and notice, on the trial. The defendant made 
 a demand on the maker twenty days after maturity. The judge charged the jury that 
 the indemnity absolved the plaintiff from the obligation of making demand and giving 
 notice. Held correct. Read, J. said : " But the defendant insists that the bond is no 
 indemnity, because the first indorser is discharged from the payment of the note, as he 
 was not notified of demand and non-payment of the maker, and therefore that he 
 cannot collect it from the first indorser; and that a court of equity would compel him 
 to execute a deed to the first indorser, upon the ground that the plaintiff and himself 
 had so conducted themselves respecting the note as to make it their own, and a pay- 
 ment to that extent by the first indorser. If this be the fact, it is the fault of the defend- 
 ant. It was the duty of the defendant to see that the liability of the first indorser was 
 fixed by notice of demand and non-payment, if it were necessary. If it were not done, 
 the defendant cannot complain of the plaintiff. If the defendant has so conducted respect- 
 ing the note as to lose the amount, the fault and the loss are his. Whether he has or 
 not, we do not decide in this case. But if he has not, the land is an indemnity, and the 
 court did not err in their charge to the jury." By the case of Hall w. Green, 14 Ohio, 
 497, it will lie seen that the defendant was obliged to convey the land to the first irWorser, 
 In JJeveling v. Ferris, 18 Ohio, 170, the defendant had sold certain lands to the maker, 
 and took his note in part payment therefor, but still retained the title as security until 
 the note should be paid. He subsequently indorsed the note to the plaintiff, and on 
 being called upon for payment, admitted that he was secured. The defendant was 
 held wiihcmt proof of demand and notice, Hitchcock, C. J. taking it for granted that 
 dcDiand was not made at the right time. Ecclfston, J., Lewis v. Kramer, 3 Md. 26.5, 291. 
 (/;) Maine liaiik c. Smith, 18 Maine, 99, where the defendant had taken a mortgage, 
 but it ajjpcared that lie had derived no benefit from it; Marshall v. Mitchell, 34 id. 
 227, where the defendant had taken a mortgage, but the plaintilf failed, because he 
 dill not prove it to l)e suilicient indemnity; Hrunson v. Napier, 1 Yerg. 199. Sec 
 Lewis V. Kramer, 3 Md. 205, 291. See Spencer v. Harvey, 17 Wend. 489, where 
 NiJsoii, C J. said : "Notice was snppose<l to have been dispensed with, on the ground 
 that the indorser had taken indemnity of the iinikers, by means of a judgment, upon 
 which execution has been issued ; but it is extremely uncertain if anything will bo 
 realized out of the property. The security is already in litigation in chancery. The 
 mere |)reeaiition, by an indorser, of taking security from his principal, has never been 
 adjudf.M(l to op('rat(! iis a dispi^nsalion of a regular demand and notice. It is no douli' 
 a common occurrence, yet such ellect has never been imputed to it. Tlieio must be
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 673 
 
 This doctrine, however, although supported by the opinions of 
 such distinguished jurists as Mr. Justice Story((7) and Chancellor 
 Kent,(r) we think is erroneous, and not supported by the weight 
 of authority, or by the best considered cases. Where a party 
 takes security, although it may be ample, the fair and proper 
 construction is, in our opinion, that he takes it to secure his 
 liability as indorser. Now his liability as indorser depends upon 
 the fact of due demand and notice ; and hence the agreement 
 by the indorser's receiving the security may be regarded as to 
 the effect that, if he is properly charged, he will employ the 
 security to pay off the note ; and if he is not properly charged, 
 that he will return it to the maker, or to the party from whom 
 he received it. (5) 
 
 somethini^ more, such as takin;^ into liis possession the funds or property of the princi- 
 pal, sutilicieut for the pur])ose of meeting the ]iaymcnt of the note ; or he must have an 
 assii^nment of all the projjerty, real and personal, of the makers for that purpose. The 
 notice is dispensed with when funds are received, upon tlie ground that the object for 
 whicli it is required to be given, namely, to enable the indorser to obtain indemnity 
 from his principal, has already been attained. Partial or doubtful security falls short 
 of this, and leaves the reason of the rule requiring notice in full force." See Bruce v, 
 Lytle, 13 Barb. 163 ; May v. Boisseau, 8 Leigh, 164 ; Warder v. Tucker, 7 Mass. 449 i 
 Burrows v. Hannegau, 1 McLean, 309. 
 
 (q) Story on Prom. Notes, (j 357 ; Story on Bills, § 374. 
 
 (r) 3 Kent, Com. 113.' 
 
 (s) This seems to have been the principle upon which Ci"eamer v. Perry, 17 Pick. 332 
 where the assignment was made to trustees was decided. Tlie plaintitf was nonsuited, 
 on account of laches iu demand and notice, although the defendant had taken an assign- 
 ment. See the facts and remarks of Sliaw, C. J., cited supra, p. 566, note^. In Wood- 
 man V. Eastman, 10 N. H. 359, the defendant had taken a mortgage from the maker 
 to secure the note in suit and another. Held no waiver of demand and notice. Parker, 
 C. J. said : " An indorser of a note who holds a mortgage for its security, unless there 
 is, at the time of the indorsement or afterwards, some other evidence of waiver, seems 
 to have the same right to be exonerated by the neglect of the holder as any other in- 
 dorser. In sucli case, if there was but one note secured by the mortgage, the indorsee 
 would either be entitled to the benefit of the mortgage, upon the ground that it passed 
 as an incident ; or the mortgage would be destroyed by the transfer of the note, and 
 the holder would have a riglit to attach the land. If there were other lands secured by 
 the mortgage, and retained by the mortgagee, it might be different; but that could not 
 change the nature of the case. If by the indorsement the note was so separated from 
 the mortgage that the latter was no longer a security, the indorsee might attach the 
 equity of redemption. In either case, there would be nothing to show that it was 
 within the contemplation of the parlies that the right to require demand and notice 
 should be waived, and of course nothing to show even an implied agreement to that 
 effect." It will be observed, however, that there was evidence in this case that the 
 mortgage liad been transferred to the plaintiff, and that the defendant afterwards got 
 jKissession of it improperly. In Holland v Turner, 10 Conn. 308, the indorser held 
 die goods, for which the note was given, as security. He was discharged on account
 
 572 NOTES AND BILLS. [CH. XIII. 
 
 It is also very difficult to see why the mere fact of taking- in- 
 
 of laches in giving notice. Bissell, J., said: "We have shown what was the nature and 
 ■character of the defendant's nndertaiving; that it was a conditional and not an absolute 
 engagement. AVe have seen ui>on what conditions he might be lield answerable ; and that, 
 in the event of his being compelled to pay the note, he would have a right of recourse to 
 the maker. He has taken security to indemnify himself against that undertaking. Can 
 it then he seriously contended that the fact of taking such security is to change entirely 
 the character of the undertaking ? To convert it from a conditional to an absolute one V 
 WTien the defendant indorsed the note, he was entitled, in his character of indorser, to 
 notice. Is there any reason why his subsequently having taken a security should deprive 
 him of a right to which he was entitled \\hen the indorsement was made ? From the fact 
 tiiat no notice was given, he would have a right to presume that the note was paid by the 
 maker, and might thus be induced to part with his security." See Haskell v. Boai-dman, 
 8 Allen, 38; and the remarks of Nelson, C. J., in Spencer v. Harvey, 17 Wend. 489, 
 cited supra, p. 570, note p. So Ingraham, J., in Taylor v. French, 4 E. D. Smith, 4.58, 
 said: "Mere security for the indorsement affords no reason for dispensing with de- 
 mand. On the contrary, it furnishes a stronger reason why the indorser, who holds secu- 
 rity, should be informed of the non-payment. Without notice thereof, he might suppose 
 it to have been paid, and in consequence of such neglect have parted with his security." 
 In Seacord v. Miller, 3 Kern. 5,5, the defendant had, six months before maturity, 
 taken a mortgage of personal property of the maker. The demand and notice were 
 premature, and the defendant was discharged. It did not appear whether the mort- 
 gage was sufHcient indemnity, but the court did not lay much stress upon the fact. 
 Gardiner, C. J. said : " The security given in this case was designed as an indemnity 
 against a contingent liability. It did not change the naiure of tiie original contract, 
 or amount to a performance of a condition precedent u|)on which that lialiility de- 
 pended. I do not perceive how, upon the principle upon which tiiis case was decided 
 (in the lower court, rendering judgment in favor of the plaintiff), an indorser could ever 
 take an adequate security without converting a conditional into an absolute contract 
 for the payment of the money mentioned in the note. Where the fund is deposited by 
 the maker and accepted by the indorser for tlie purpose of ])aying the demand, the case 
 may be liifferent." Tlic subject was very ably discussed in Kramer v. Sandford, 4 
 Watts & S. 328. In that case the plaintiffs failed to give notice. Five months before 
 maturity the makers executed a judgment bond to the defendant in tiie penalty of 
 S 18,000, with a condition annexed, reciting that tiie defendant was an indorser for the 
 makers to the amount of $9,000, and that tiicy would indemnify and save him harm- 
 less from all liis responsibility. A judgment iiad been entered on the bond, and i\ fieri 
 facias i.ssued and levied on personal property. The plaintitl's proved that the property 
 was sulhcient to secure jiaymcnt of the judgment. The indorser was disciiarged. Gib- 
 son, C. J., after referring to the fact that an assignment of all tlie maker's estate consti- 
 tutes a waiver, said: " But the supposed waiver of notice, in consideration of a chose 
 in action given as a collateral security, contingent and inadequate to })roduie perfect 
 safety, as every chose in action must be, stands on a less firm foundation. Tiie a(; 
 ccptant'O of such a security is never tiiought to be a waiver by the parties themselves, 
 though it i3 frequently a motive for liie act of indorsement. Collateral security is 
 cumulative in its very essence ; and it is never suffered to impair the obligation of the 
 contract immediately l)ctwcen tiie iiariies. It may be accepted, though known to be 
 ina<li(pial(; at tlic time, tin; indorser relying for the rest on the maker's otiier means, 
 and his own energy of pursuit, when warned of the necessity of exerting it ; and it 
 would he contrary to the understanding of the parties to make the acce]jt;uice of such
 
 CH.'XIII.] EXCUSES FOR WANT OF NOTICE. 573 
 
 demnity, which is an act entirely distinct from, and unconnected 
 
 a security a substitute for notice. There can he no presumptive waiver of notice wnere 
 there has been no vi^aiver of recourse to the maker; and the acceptance of a security 
 is not such, unless it has been taken in satisfoction. Notice may be necessary to make 
 the very security available on wliich the indorser is supposed to have relied, but which 
 he may have reserved for the critical moment. A judgment bond, which was the secu- 
 ritv in thif instance, is seldom entered up immediately ; and the indorser ought to have 
 notice wlien the time for action has arrived ; for by the delay of a day or an liour the 
 golden op[)ortunity may lie lost. The banks often take such bonds, ostensibly for their 
 own security, but to be entered at the request of the indorsers ; yet no one ever thought 
 that the indorsers were therefore not to have notice. The jiractice is very common. 
 In this case there was no real estate to be bound, and an immature judgment would 
 have been fruitless ; but there was the more need of notice of dishonor to expedite 
 an execution, when the time came, against the maker's personal projjcrty. He was an 
 indorser of accommodation paper; and, as a surety is held to nothing which is not ex- 
 plicitly exacted by his contract, he is not presumed to have relinquished any of its priv 
 ileges. This doctrine of waiver in consideration of a security has no footing in West- 
 minster Hall ; for the indorser in Corney v. Da Costa, ( 1 Esp. 302, supra, p. .561 , notey,) 
 which lias been referred to as the germ of it, received effects from the drawer to the 
 amount of the note, and thus became the party to take it up. The property was put 
 into his hands avowedly for that purpose, and he consequently took the place of the 
 
 principal debtor I grant that, where the security is money or effects, put into his 
 
 hajids to satisfy the debt, he changes place with the maker, and loses his original char- 
 acter; he is no longer an indorser, and cannot claim the privileges of one. But no 
 judge has said that a chose in action transferred to meet, not the note at its maturity, but 
 the contingency of tiie indorser's eventual liability, dispenses with notice to him ; or 
 
 that, as a collateral security, it is a waiver of his recourse to the maker It would 
 
 seem that Chancellor Kent's conclusion from these authorities, 3 Com. 113, that notice 
 is not required where the indorser has protected himself by an assignment or collateral 
 security, is not sustained by them, as a principle applicable to all cases in every variety of 
 circumstances. The true criterion seems to be the obligation to take up the note. When 
 that remains with the maker, it continues to he the duty of the indorsee to apprise the in- 
 dorser of the maker's default ; where it has devolved on the indorser iiimself, he needs 
 no notice. Certainly a liond and warrant taken, to be held in reserve, cannot tnin his 
 contingent responsibility into an absolute one, and dispense with performance of the 
 condition of demand and notice as part of the title." In Moore i\ Cofiield, 1 Dev. 
 247, the defendant had sold a tract of land to the maker and taken the note of the latter, 
 who also executed a deed of trust to secure the defendant for the payment of the note. 
 Held no waiver of due demand. In Denny v. Palmer, 5 Ired. 610, the makers had 
 assigned to a third party as trustee property sufficient, it seems, to cover the lial)ility of 
 the defendant. The latter was discharged, because notice was sent to the wrong post- 
 office. In Dufour v. Morse, 9 La. 333, the notice was delivered to a person who was 
 not sho'.vn to be authorized to receive it. The indorser took a mortgage of the maker 
 as security, when he indorsed. He was discharged. Martin, J. said : " Here the in- 
 dorser received nothing but a mortgage for his indemnification. He might well ex- 
 pect that the duty and interest of the maker would prompt him to prevent the protest 
 of the note. He knew that the only obligation he had incurred towards the holder of 
 the note was to pay it in case the maker did not, and after being duly and legally 
 notified of the failure and neglect of the maker to take it up. Towards the latter, the 
 indorser incurred no obligation. The mortgage was a useless pniu-r in the hands of
 
 b74 NOTES AND BILLS. [CH. XIH. 
 
 with, the note itself, should have the effect of changing the un- 
 dertaking of the indorser from a conditional to an aVjsolute 
 one.(/) 
 
 The additional reason has heen given, that notice may be 
 essential to the indorser, in order that he may take the proper 
 steps to render his security available, and a delay may often be 
 as prejudicial in this respect as when no indemnity at all has 
 been taken. (w) Stress has sometimes been laid on the particular 
 kind of the security taken, such as choses in action and the 
 like ; (v) but we doubt whether this should make any difference 
 in the law. The fact that the security is conveyed to a trustee, 
 instead of directly to the indorser, has also been somewhat re- 
 lied npon,{w) but there does not appear to be any good reason 
 why this fact should change the character of the act. 
 
 The answer to the objection, that the whole object in requiring 
 notice is attained as soon as the indorser is indemnified, is, in 
 our opinion, that, whatever may have been its effect in the grad- 
 ual formation of the law, the requirement of notice lias at last 
 settled down into a strict technical right, and an appeal to origi- 
 nal reasons has become less frequent and less influential. 
 
 If, however, there is anything in the acts or words of the 
 indorser, at tlie time the security is received, which, by fair 
 construction, imply or show an agreement by him to consider 
 
 the defendants. The inchoate and conditional ohlination which resulted from the 
 indorsement never hccame perfect and absolute. The indorser, nor those who represent 
 him in this case, have not suffered, nor can they now suffer any injury, for the indemni 
 fication of which they could resort to the mortgage. Tiic defendants are precisely in 
 the same situation as they would be if no mortgage had been taken." 
 
 {t) Bissf'll, J., supra, p 572, note s ; Gardiner, C. J., id. 
 
 (m) Bissdl, J., supra, p. 572, note s ; hujraham, J., id. ; Gibson, C. J., id. 
 
 (») Gibson, C. J., supra, p. 572, note s. In Dufour 7j. Morse, 9 La. 333, Martin, J. 
 said : " It is r'ontended, that, as the indorser was secured against any loss, there was no 
 necessity of giving him any notice. This may be the case where a creditor is secured 
 against tiie effect of the indorsement by the receipt of a sum of money, other notes, bills, 
 or property. In such a case lie may l)e viewed as having undertaken to ai)ply the 
 money lie, had received, or tliat which the notes, bills, or other property may afford him 
 the means of obtaining, to the discharge of his conditional obligation. He may be 
 viewed as an agent who has undertaken to ]iay, and therefore cannot be said to bo 
 disappointed if liis |)rinci[)a], relying on the performance of the obligation of his friend, 
 tak(;s no fiirtlier steps for the payment of the note." In Bruce v. Lytic, 13 Barb. 163, 
 166, Ifani/. J. said : " IJiit if the iiideiniiity is only l)y way of lien, or by a counteii 
 boinl, it >ei-ms to me tliere should be an express pmniise." 
 
 (w) /{iiffin, C. .1., in Denny v. Palmer. .') Ired. 610, 630.
 
 CH. Xin.] EXCUSES FOR WANT OF NOTICE. 575 
 
 liiinself the party primarily liable on the note, and directly re- 
 sponsible for its payment, the case is entirely different, and in 
 this point of view only we think that taking the secnrity op- 
 erates as an extingnishment of his right to demand and notice. 
 In other words, and in the language of Chief Justice Gibson, (x) 
 " the true criterion seems to be the obligation to take np the 
 note." {y) We should be glad to see a peremptory rule estab- 
 lished, that notice should always be given, unless the indorser is 
 under an unconditional obligation to take up the note. 
 
 SECTION IV. 
 
 OF EXCUSES FOR NON-NOTICE, GROUNDED ON A WAIVER OF THE RIGHT 
 TO REQUIRE NOTICE. 
 
 The excuses for non-notice, grounded on a waiver — actual 
 or constructive — by the party entitled to require notice, are so 
 numerous, and rest on such a great variety of circumstances, 
 that it is thought best to present them under different heads. 
 These will be, 1. when the waiver is in writing on the note or 
 bill ; 2. when it is inferred from acts of the drawer or indorser ; 
 
 (x) Kramer v. Sandford, 4 Watts & S 328, 331, cited supra, -p. 572, note s. 
 
 (y) This seems to have been one of the prineiples upon which Corney v. Da Costa, 1 
 Esp. 302, supra, p. 561, note f, was decided, as appears from the languai::e of Buller, 
 J., althoai:h it may have been that all the maker's property was assigned. Parke, B , in 
 Carter v. Flower, 16 M. & W. 743, 751, cited the case as authority for the remark that 
 " The cases in which the indorser has been held liable without notice have had some 
 other material circumstances, as, for instance, that he had funds put into his hands by 
 the drawer, out of which he was to pay the bill or note. Mead v. Small, 2 Greenl. 207, 
 supra, p. 568, note o, may be sustained upon this ground. See the remarks of Parker, C. 
 J., in Woodman v. Eastman, 10 N. H. 359 ; Gibson, C. J., Kramers. Sandford, 4 Watts 
 & S., 328, supra, p. 572, note s; Martin, J., Dufour v. Morse, 9 La. 333, supra, p. 574, 
 note u ; Hand, J., in Bruce i'. Lytic, 13 Barb. 163, supra, p. 574, note v ; Martel v. Tu- 
 reaud, 1 8 Mart. La. 1 1 8, where there was an assignment and a promise, and the indorser 
 was held, without notice; Taylor v. French, 4 E. D. Smith, 458, where the indorser 
 was held, although the check was protested prematurely, he having on the day of pro- 
 test told the holder that the drawer could not pay, having made an assignment, in 
 which he, the indorser, was preferred. See Coddington v. Davis, 3 Denio, 16, infra, p. 
 578, note jr. In Moon v. Haynie, 1 Hill, S. Car. 411, the plaintiff proved that, at or 
 about the time the note fell due, the defendant, an indorser, sent him a message that he, 
 the defendant, " had taken back from the maker the landi for which the note was given, 
 and that he had become paymaster for the amount to the plaintiff, but that he did not 
 mean to pay it, as the property received for it was not as represented by the plaintiff." 
 No demand and notice were held necessary.
 
 576 NOTES AND BILLS. [CH. XIII. 
 
 3. where the waiver occurs on the day of maturity; 4. where it oc- 
 curs after maturity; 5. by whom the waiver is made; 6. to whom 
 the waiver is made; 7. of presumj)tive evidence in the question of 
 waiver. On these topics numerous questions and much conflict 
 have arisen. It would certainly tend to make the law on this sub- 
 ject more certain, if, as in some of our States, waivers of demand 
 and notice by indorsers were required to be in writing and signed. (2) 
 
 1. ]]lien the Waiver is in Writing on the Note or Bill. 
 Demand and notice may be waived by an indorser's writing 
 over his signature the words, " I waive demand and notice,"(a) 
 or " waiving demand and notice. "(i) Any other words, which 
 by fair and reasonable construction imply an intent to Maive 
 demand and notice, will have this eiFect,(c) we think ; although 
 there is authority to the effect that such waivers are to be con- 
 strued strictly. (J) There is conflicting authority on the point 
 whether the words, "I waive j»rotest," on a note or an inland 
 bill, constitute a waiver of both demand and notice, or not. It 
 seems to have i)een held by high authority, that these words 
 alone, on a promissory note, are so uncertain as not to imply a 
 waiver of demand and notice, except in connection with other 
 words and acts, from which such an intent can be inferred. (e) 
 
 (z) Laws of Maine. 1868, ch. 152. Thnnins v. Mavo, 56 Me. 40. 
 
 (a) Woodman v. Thurston, 8 Cush. 157. 
 
 (b) Jolinston V. Searcy, 4 Yerg. 182, where the indorser was held, althoniih the 
 plaintiff iieoleoted to sue for more than fifteen months after maturity, duriuy which 
 time the maimer was solvent, hut after which he had failed. 
 
 (c) Westov, J., said, in Fuller v. McDonald, 8 Grceiil. 21.3: "It is not necessary 
 tliat a waiver should he direct and positive. It may result by in)p]ication from usasje, 
 or from any understand inj;- hctween the ])artics, which is of a character to satisfy the 
 mind that a waiver is intended." See Ycager v. Farwell, 13 Wall. 6; Parsons r. Dick- 
 enson, 2.3 .Mich. 56. 
 
 (d) Wall V. Hry, 1 La. Ann. 312; IVnd v. Le Blanc, 6 La. Aim. 470, where Eiixtifi^ 
 C. J. saiil : " It is not dcsiralile, in a mercantile community, that the defaults to pay 
 hills or notes when due should he kept secret. Itenahlcs inscilvcnts to maintain a false 
 credit. We have had cases hefore us in which the waivers of protest have i)cen the 
 means of unsleading the jiidilic as to the real siluation of jiartics, and jiroducing great 
 injury therehy ; and this is a strong reason fur holding to the old rule, and not encour- 
 aging waivers of j)rotest liy giving them a larye construction." 
 
 (f) Buckley v. Bentley, 42 Barh. 646; Ball v. (ircaud, 14 La. Ann. 305. Inl^nion 
 Bank V. Hyde, 6 Wheat. 572, the writing, sigiu'd hy the indorser, was in the following 
 woi-ds; " I do re(|ucst that hereafter any notes that may full due in the Union Bank, 
 on which I am, or may he, indorser, shall not he ijrote^ted, as I will consider myself 
 hound in the same nuinner as if the said notes had hciii, or should he, lcg;illy pro- 
 tested." This wan laid a waiver (d' denuuid and notice, holh |)arties having had a 
 coins(; of dealing founded on that conslriiction. Jd/inson, .[. said: "Two construc- 
 tions have heen contended for, the one, literal, foiimd, and vernacular; the other, 
 
 restiiiK on the spirit anci meaning, as a merc-intde and hank transaction By 
 
 some as'-mncfl atialogy, or nnxtaken notions of law, this ])raclire of jirotrsting inlaud 
 hills has now liccome \ery generally prev^dint ; and since the inuiidaiion of ilu; country,
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 577 
 
 These words have also been held to constitute a waiver of d(5- 
 
 with bank transactions, and the general resort to this mode of exposing the breaches 
 of punctuality which occur upon notes, a solemnity, cogency, and legal effect have 
 been given to such protests in public opinion which certainly has no foundation in the 
 law merchant. The nullity of a protest on the legal obligations of the parties to an 
 inlatid bill, is tested by the consideration that, independently of statutory provision, if 
 any exists anywhere, or conventional understanding, the protest on an inland bill is no 
 evidence in a court of justice of either of the incidents which convert the conditional 
 undsrtaking of an indorser into an absolute assumption. The protest belongs alto- 
 gether to foreign mercantile transactions, upon which, on the contrary, it is an indis- 
 pensable incident to making the drawer of a bill or indorser of a note liable. On 
 foreign bills, it is the evidence of demand, and an indispensable step towards the legal 
 notice of non-payment, in consequence of which the undertaking of the drawer or 
 indorser becomes absolute. Hence, as to foreign transactions, it is justly predicated of 
 a protest, that it has a legal or binding effect. But the writing under consideration 
 has a reference exclusively to inland bills, and as to them the protest has no legal or 
 binding effect. The indorser became liable, only on a demand and notice, and of 
 these facts the protest is no evidence. How, then, shall the waiver of the protest be 
 adjudged a waiver of demand and notice, or, in effect, convert his conditional into an 
 absolute undertaking ? Had the defendant omitted one word from hi** undertaking, it 
 would have been difficult to maintain an affirmative answer to this proposition. But 
 what are we to understand him to intend, when he says, ' I will consider myself 
 bound in the same manner as if said notes had been or should be legally protested ' I 
 Except as to foreign bills, a protest has no legal binding effect, and as to them it is 
 evidence of demand, and incident to legal notice It either, then, had this meaning, or 
 it had none. This reasoning, it may be said, goes no farther than to a waiver of the 
 demand ; but what effect is to be given to the word " bound " ? It must be to pay the 
 debt, or it means nothing. But to cast on the indorser of a foreign bill an obligation 
 to take it up, protest alone is not sufficient ; he is still entitled to a reasonable notice in 
 addition to the technical notice communicated by the- protest. To bind him to pay the 
 debt, all these incidents were indispensable, and may therefore be well supposed to have 
 been in contemplation of the parties when entering into this contract. It is not un- 
 worthy of remark, that the writing under consideration asks a boon of the plaintiff for 
 which it tenders a consideration. It requests to be exempted from an expense, expos- 
 ure, or mortification, on the one hand ; and. on the other, what is tendered in return? 
 The intended object, and conceived effect, of the protest, on the one hand, is to convert 
 his undertaking into an unconditional assumption, and the natural return is to make his 
 undertaking at once absolute, as the effectual means of obtaining the benefit solicited. If 
 this course of reasoning should not be held conclusive, it would at least be sufficient to 
 prove the language of the undertaking equivocal ; and that the sense in which the par- 
 ties used the words in which they express themselves may fairly be sought in the prac- 
 tical exposition furnished by their own conduct, or the conventional use of language 
 established by their own customs or received opinions. On this point, the evidence 
 proves that, by the understanding of both parties, this writing did dispense with de- 
 mand and refusal ; that the company, on the one hand, discontinued their practice of 
 putting the notes indorsed by the defendant in the usual course for rendering his as- 
 sumption absolute, and the defendant, on the other, continued up to the last moment to 
 acquiesce in this practice, by renewing his indorsements without ever requiring demand 
 or notice. This was an unequivocal acquiescence in the sense given by the company 
 %o his undertaking, and he cannot be permitted to lie by and lull the company into a 
 Vol. I.— 2 M
 
 578 NOTES AND BILLS. [CH. XIII. 
 
 mand, but not of notice,(/) the courts adopting, in this instance, 
 the strict construction. But the weight of authority is to the eifect 
 that a waiver of protest is a waiver of both demand and notice ;{^) 
 because the term "protest," altliough, in its strict sense, applica- 
 
 state of security, of which he might at any moment avail liimself, after making the 
 most of the credit thus acquired." In Louisiana it would seem that a waiver of pro- 
 test is not a waiver of demand and notice. Wilkins v. Gillis, 20 La. Ann. 538 ; but a 
 waiver of protest and notice is a waiver of demand. Guytlier v. Bourg, 20 La. Aim. 
 213; Gordon v. Montgomery, 19 Ind. 110. 
 
 (/) Wall V. Bry, 1 La. Ann. 312, where the writing was in these words : " We hereby 
 waive protest, and acknowledge ourselves as fully bound for the within note, as if the 
 same was legally protested." Bird v. Le Blanc, 6 id. 470, where the words were, " I 
 hereby waive protest on the within note." 
 
 ((/) See Coddingtoii v. Davis, 1 Comst. 186, 3 Denio, 16. The instrument was as 
 follows : " Please not protest T. B. Coddington's note, &c., and I will waive the neces- 
 sity of the protest tlicreof." There were other circumstances in the case, but Jewett, J., 
 in the Supreme Court, expressly says that the writing was a sufficient waiver of notice, 
 and the Court of Appeals founded their decision upon it. Gardiner, J. said : " The 
 term 'protest,' in a strict technical sense, is not applicable to promissory notes. The 
 word, however, as I apprihend, has by general usage acquired a more extensive sig- 
 nitication, and, in a case like the present, includes all those acts which, by law, are 
 necessary to charge an indorser. When among men of business a note is said to be 
 protested, something more is understood than an official declaration of a notary. The 
 expression would be used indifferently to indicate a series of acts necessary to convert 
 a conditional into an absolute liability, whether those acts were performed by a mere 
 clerk or a public officer. It is obvious that the word was used in its popular accepta- 
 tion by the defendant below. He requests the indorsees ' not to protest the note, and 
 that he would waive the necessity of protest thereof.' The protest to which the indorser 
 alluded was something ' necessary' to be done; something also for the benefit of the 
 indorser, for he assumed to waive it. It could not, therefore, be a memorandum, or a 
 declaration made by a notary, because neither of them were required. Nor could he 
 have intended to waive that which, whether performed or omitted, his right would in no 
 manner be affected. The only things necessary on the part of the indorsees were, a 
 demand of payment of the maker, and notice to the indorser. By waiving the neces- 
 sity of protest, the defendant dispensed with botii, or his communication is destitute of 
 all meaning. It was argued, indeed, that the defendant might have referred to the 
 notarial certificate authorized by statute. But this certificate is made prima Jhric evi- 
 dence (jf a demand and notice in favor of the indorsees It is for their benefit. The 
 defendant, in making such reference, must have supposed that the certificate was neces- 
 sary ividmce^ because he waives the necessiti/ of a protest which, according to the argu- 
 ment, is equivalent to dis])ensing with the nccfssiti/ of a notarial certijicate. Now to 
 every fair mind waiver of proof necessary to esiai>lish a particular fact is equivalent to 
 an agreement to admit it. Whether, therefore, the defendant, by waiving the necessity 
 of a protest, intcndeil to dispense with demand and notice, or with tiie evidence of them, 
 the result would be the same; and in either casit Ik; is concluded Ity iiis own sti))ulation 
 from raising the objection takcm u|)on the trial. I agree with the learned judge who 
 delivered the ojjinion of the Supreme Court, that the circumstances attending the writ- 
 ten stipulation of the defendant confirm this view ; but I prefer to rest myoiiinion upon 
 the letter nlotu;, as furnishing prima facie evidence of an intent, by the indorser, to 
 waive demand of payment and notice, to which he was otherwise entitled." See Scott
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 579 
 
 ble to a foreign bill alone, yet, in ordinary language, means the 
 taking of sneh steps as the law requires to charge an indorser. We 
 think this the better view,. for several reasons; because otherwise 
 the agreement ran have no meaning whatever; because there is no 
 good reason why a written instrument, purporting to constitute a 
 waiver, should be construed differently from other instruments; 
 and from analogy to the cases respecting the form of notice, M'here, 
 as has been 8een,(/*) the word "protest,"' used with reference to a 
 note, or an inland bill, by the weight of authority, means that the 
 oidinary steps have been taken, with regard to the note, to charge 
 the indorser. 
 
 An agreement between an indorser of a note and the maker 
 to waive demand and notice, is not, of itself, a waiver as to a 
 liolder.(/(/i) But an agreement by the indorser when indorsing, not 
 to require demand or notice, binds. (A/) 
 
 The words "eventually accountable,"(^) " holden,"(ji") have been 
 said to imply a waiver of demand and notice. 
 
 It has been said that the words "surety," or "security," 
 placed after an indorser's name, is no waiver of demand and 
 notice ;(k) but this may, we think, be doubted. A surety on a 
 note has liabilities essentially distinct and separate from that as 
 indorser; and unless the fact that tiie name of the indorser is 
 written on the back of the note necessarily makes him an in- 
 dorser, and nothing more, which is very doubtful, we do not 
 
 f>. Greer, 10 Penn. State, 103; Fisher v. Price, 37 Alab. 407; Jaccanl v. Anderson, 
 37 Mo. 91 ; Porter v. Kemball, 53 Harb. 467 ; Carpenter v. Reynolds, 42 Miss. 807. In 
 Dnvall V. Farmers' Bunk, 7 Gill & J. 44, 9 id. 31, the agreement was as follows: 
 "Whereas I am indorser of tliree notes, &e., and whereas, at my request, the bank 
 which holds the siud notes has agreed not to protest the same, or to ask a renewal of 
 them when they tieconie due, I do hereby agree to dispense with all notice of the time 
 of payment, or of the non-payment of said notes, and to be answerable for the amount 
 of said notes, although no such notice is given to me." Held a waiver of demand and 
 notice tis to a note not due at the time the agreement was signed. 
 
 (h) Siipra^ p. 471. 
 
 {hh) Jaccard v. Anderson, 37 Mo. 91. 
 
 (hi) Power?'. Mitchell, 7 Wise. 161. 
 
 («') Weston, C J., McDonald v. IJailey, 14 Maine, 101 ; recognized by Shcj^lfU, J., 
 Bnrnham v. Webster, 17 id. 50. 
 
 (,/) Bean v. Arnold, 16 Maine, 251, v^here the note was overdue at the time of in- 
 dorsement ; Shcphy^ J., Burnhimi v. Webster, 17 id. 50; Bhinchard v. Wood, 26 id. 
 358, where the note was not due at the time of indorsement. 
 
 {k) Bradford v. Corey. 5 Htirl). 461, Paige^ J. said: "In this case, the addition of 
 the word 'surety' or 'security' to the indorsement of the defendants' names on the 
 note in (|uestion did not divest them of their character of indorsers. The only effect 
 of the addition of these woids to their signatures was to give them the privileges of 
 sureties, in addition to their rijihts as indorsers. As indorsers, they could not be made 
 liable without a demand and notice; and as sureties, they were entitled to all the jirivi- 
 leges of that cliaracter." This is. however, only a didum. Is is somewhat difiicult to 
 see what is meant by a party \\h(i has all the rights of an indorser with all the privi- 
 leges of a surety. Previous to being charged by den)and and notice, an indorser is 
 an indorse?-, and not a surety. After the proper steps have been taken, he becomes a 
 suretv.
 
 580 NOTES AND BILLS. [CH. XIH. 
 
 see why the effect of these words is not to make him a surety, 
 and consequently not entitled to ordinary demand and notice. 
 The word " backer," placed after the iudorser's name, has also 
 been held to be no waiver of demand and notice. (/) 
 
 In short, whatever words constitute a guaranty will be a 
 waiver of regular demand and notice ; because, as will be 
 seen,(w) the ordinary rules with regard to demand and notice 
 are inapplicable to guaranties. What form of words amounts to 
 a guaranty will be considered subsequently. (w) 
 
 But although an instrument purporting to constitute a waiver 
 is to be fairly construed, yet it cannot be extended beyond the 
 import of its terms. Thus, a waiver of notice is not a waiver 
 of demand, (o) because the two have meanings entirely distinct 
 from one another, and it would be an unauthorized stretch of 
 construction to declare them equivalent. We have seen that the 
 words " eventually accountable " have been said to be a waiver 
 of botli demand and notice, (j9) but where there are other words 
 which limit and define these, the case may be different. Thus, 
 " I hold myself accountable, and waive all notice," have been 
 held to imply waiver of notice alone ; (q) because all the words 
 taken together show such to be the intent. But an agreement 
 
 (/) Seabury v. Hungerford, 2 Hill, 80. 
 
 (m) Infra, chiij)ter on Guaranty. 
 
 (n) Ill/id. chapter on Guaranty. 
 
 (o) Berkshire Bank v. Jones, 6 Mass. 524 ; Dewey, J., Low v. Howard, 1 1 Cush. 
 268,270; Drinkwater v. Tebbetts, 17 Maine, 16, where the words were, " Hoi den 
 without notice " ; Burnham v. Webster, id. .50, where the words were, " I hold myself 
 accountable, and waive all notice " ; Lane v. Steward, 20 id. 98 ; Buchanan v. Mar- 
 shall, 22 Vt. 561. See Backus v. Shipherd, 11 Wend. 629. Contra, Mattbey v. Gaily, 
 4 Calif. 62. 
 
 (p) Supra, p. 579. 
 
 (q) Burnham v. Webster, 17 Maine, 50, where Shepleij, J. said : "In this case there 
 is a waiver of notice, but not of presentment, unless the words, 'I bold myself account- 
 abb;,' taken in connection with the other words used, can be considered .as dispensing 
 with a presentment. The inquiry is suggested, How accountable ■* And the answer 
 would seem necessarily to be, I waive all notice, and hold myself accountal)lo. This 
 answer cnploys every word of the instrument, only transposed, and gives to each its 
 propiir mt-aning. To give a diifereiit answer to tho question, and say, I bold myself 
 accountable absolutely, would dis])cnse with the words " and waive all notice," giving 
 to them no meaning. To answer, I waive all notice and demand, would be to give 
 gri-ater effect to the words than the decided cases permit. The indorser may say, ' I 
 did iiirieed waive all notice, and held myself accountable, but I never did waive a pre- 
 HcntrniTit, and now insist ujion it' ; anil the court cannot, consistently with the decided 
 cjwes, di-|invc jjim of liic ri;^'ln to iiiakr siuli jiii answer "
 
 CH. Xm.] EXCUSES FOR WANT OF NOTICEl. 581 
 
 by an indorser to consider himself responsible without requiring 
 notice, if the note could not be collected of the maker by due 
 course of law, has been held a waiver of both demand and 
 notice. (r) 
 
 Bills may be drawn " acceptance waived." This does not 
 deprive the instrument of its character as a negotiable bill of 
 exchange, but its effect is simply to merge the ordinary proceed- 
 ings on acceptance or non-acceptance into those of payment or 
 non-payment. (5) 
 
 The waiver may be written upon the note or bill at the time 
 of signing ; or after that time and before maturity. (^) in which 
 case no consideration is necessary, because the indorser would 
 be estopped from setting up in defence a want of demand or of 
 notice ; (u) or the agreement may be upon a separate paper, 
 
 (»•> Biickus V. Shipherd, U Wend. 629. 
 
 (s) See English v. Wall, 12 Rob. La. 132; in Denegre v. Milne, 10 La. Ann. 324, 
 Slide.ll, C. J. said : " We do not consider the expression ' acceptance waived,' as strip- 
 ping the instrument of the character of a bill of exchange, or depriving its signers of 
 the character and rights of drawers of a bill of exchange. These were merely quali- 
 fied, and to this extent; the insertion of these words created between the drawers and 
 the payee, and those subsequently taking the bill, an agreement that the drawees should 
 not be required to accept the bill upon its sight. Without these words, it would have 
 been the holder's right to insist upon an acceptance upon presentment, protest the bills 
 if acceptance were refused, and take his immediate recourse against the drawers. With 
 them, he had only the right to exhibit the bill for sight, to fi.K the date of maturity, 
 which was done; and was bound to wait until maturity for payment by the draw- 
 ees, at which time the drawers engaged it should be paid by the drawees. Upon 
 failure of payment, protest, and notice, the liability of the drawers, which was previ- 
 ou.sly conditional, would, in general, become absolute. No adjudged case militating 
 with this view of the rights of those parties has been referred to or cited ; and we are 
 satisfied that the construction we give would be in accordance with the understanding 
 of men of business, and meets the understanding of the parties themselves when the bill 
 was drawn and negotiated. The validity of the instrument as a bill of exchange, its 
 essential character as a bill of exchange, are not destroyed by such a qualification. 
 It is still a request to the drawee by the drawer, to pay a sum of money to the payee, 
 or his order, absolutely, and at a time mentioned in the bill." 
 
 (t) Wall V. Bry. 1 La. Ann. 312. 
 
 {h) In Wall V. Bry, 1 La. Ann. 312, Slidell, J. said : "It is proved that the indorse- 
 ment of the defendant was made some months anterior to the indorsement and signa- 
 
 tare of tlie waivers The defendant urges that it was not binding, bccau.se made 
 
 without consideration. The plea that the waiver was without consideration cannot avail 
 the defendant. It was made before the maturity of the note ; the holder may havc- 
 regulated his conduct, in not protesting the note, by the defendant's waiver, confiding 
 in it; and to relieve him from it now would be sanctioning a breach of good faith, and 
 penaitting that party to gain by his own disingenuousness." 
 49* '
 
 582 NOTES AND BILLS. [CH, XIII. 
 
 contemporaneous Nvitli, or subsequent to, the indorsement, (r) or 
 even before the note is indorsed.(u'') But the waiver cannot be 
 made merely by verbal declarations or statetnents made at the time 
 of the contract. (yr?t') 
 
 2. When the Waiver is inferred from Ads of the Indorser or Di-aver. 
 
 Demand and notice may be waived by an act of the indorser 
 or drawer, calculated to put the holder off his guard, and pre- 
 vent him from treating the note as he wo\dd otherwise have 
 done. (a;) Or where the indorser or drawer has iiimself been the 
 means of preventing the note or bill from being honored. (y) 
 Thus, when the indorser received a written agreement from the 
 liolder, in which the latter promised to sue the makers, and to 
 use all due diligence to collect the note from them, demand 
 and notice were held to be waived. (2) Also, where the indorser, 
 by agreement with the holder, agreed to extend the time of pay- 
 ment, (a) Or where such agreement, for a valuable considera- 
 
 (v) Spencer v. Harvey, 1 7 Wend. 489, where the indorser wrote to the holder a few 
 days before maturity, stating that the maker had failed, acknowledging his liability, 
 and asking an indulgence until funds could be realized from security given by the 
 maker. Held a waiver of demand and notice. Coddington z). Davis, I Comst. 186, 
 3 Denio, 16; Duvall v. Farmers' Bank, 7 Gill & J. 44, 9 id. 31. 
 
 (w) See Union Bank v. Hyde, 6 Wheat. 572. For the words of this agreement, see 
 supra, p. 576, note e. The case does not, however, state whether the instrument was 
 signed before the note in suit was indorsed. See also Duvall v. Farmers' Bank, 7 Gill 
 & J 44. 9 id. 31, where there was one note not indorsed until after the agreement. 
 
 (ww) Goldman v. Davis, 23 Cal. 256. 
 
 (x) Gove V. Vining, 7 Met. 212; Spencer v. Harvey, 17 Wend. 489; Brnce v. Lytic, 
 13 Barli. 163; Taylor v. French. 4 E. D. Smith, 458; Phipson v. Knellcr, 1 Suirk. 116. 
 
 [y) Minturn v. Fisher, 7 Calif. 573. 
 
 (z) Kyle V. Green, 14 Ohio, 490. In Benoist v. Creditors, 18 La. 522, the drawer 
 took a receipt from the payee, in which it was agreed that the bill should not be pro- 
 tested, in order to save costs. The funds for which tlie bill was drawn were then in 
 litigation. Held that noti(;e to the drawer was not necessary. 
 
 ((/) Amoskeag Bank v. Moore, 37 N. H. 539, wlicre the indorser, a few days before 
 maturity, signed the following agreement at the foot of the note : "Sept. 25, 1855. 
 We liercliy agree that the above note may hi', extended for sixty days from this date." 
 On the 25th of September the makers j)aid the piaintirt'thc interest in advance for the 
 sixty days, which was indorsed on the note as interest paid for that time. No demand 
 was made upon the makers, cither at maturity or at the expiration of the extended time. 
 Notice had been expressly waived. 'I'lie defendant was held. In Uidgway v. Day, 
 13 I'cnn. State, 208, tiic plaintiff wrote to the defendant before nuiturity, informing him 
 that tlie maker could not probably pay, and oll'cring to extend the time of payment. 
 The defendant agreed, and wrote, in reply, that he was "willing to extend the time for 
 thirty days loiigiT, anil <.(' ci.urM' will >\.\ui\ n'spoiisibie for the payment of the note as 
 oriuinally intciidi'd." One or two fiiriliir cxtcn-ions were made. Hold a waiver 
 of all diiiiani! ami notice. S(!e also the cases (•itc<l infra.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. />83 
 
 tiou, has been made between the maker and the indorser, and 
 the latter has transferred the note to the plauitiff, who was 
 wholly ignorant of the agreement. (6) So where the drawer de- 
 posited a particular kind of funds with the payee and indorser, 
 under an agreement between the parties that the proceeds of the 
 funds were to be applied to the payment of tiie bills, when due, 
 such arrangement was held to be a waiver of presentment, and 
 the indorser entitled to sue the drawer, if the funds were not 
 paid according to the agreement. (c) So demand and notice are 
 waived wliere the drawer of a check stops its payment at the 
 
 (6) Williams u. Brohst, 10 Watts, 111. Kennedi/ , J . said : " It is further alleged in 
 the declaration, that the defendant, after receiving the note from the maker, and before 
 he passed it by indorsement to the ))laintiff, .... agreed to forbear payment thereof until 
 one year after the time mentioned in the note for that purpose ; and that he passed the 
 note to the plaintiff, who was altogether ignorant of this agreement, without advising 
 him of it." The judge, after stating that it must be taken for granted that the consid- 
 eration was a valuable one, continued : " These facts show clearly that the defendant 
 had not dealt feirly with the plaintiff, .... by suppressing the agreement which he had 
 previously made with the maker of the note, postponing the day of its payment. This 
 was certainly a very important circumstance, because it rendered the note of less value, 
 and ought, therefore, to have been disclosed by the defendant to the plaintiff at the time 
 he offered to indorse it to him. After having made such an agreement with the maker 
 of the note, for which he had received a valuable consideration, it would also have 
 been a fraud in him to have permitted the maker to be called on and compelled to pay 
 it before the time had arrived to which it was agreed between him and the maker that 
 the payment of it should be postponed. Upon this ground, therefore, he had no right 
 to require that the drawer sliould be called on first for payment, as soon as the note, 
 according to its terms, became payable ; but, on the contrary, was bound himself, in 
 justice to the maker, to have prevented it, by calling upon the plaintiff and paying the 
 amount thereof, so that the maker should have the benefit of the indulgence agreed on 
 
 between them The reason why the law requires that the indorsee of a note or bill 
 
 fhall give notice to the indorser of non-payment is, that he may take the necessary 
 
 measures to obtain payment from the party or parties respectively liable to him 
 
 But the defendant had no right to claim notice, because if he had paid the plaintiff, and 
 taken up the note when at maturity, according to its face, he would have had no right 
 to demand payment of the maker for a year afterwards. It is no objection to this 
 course of reasoning, that the plaintiff might, notwithstanding the agreement, as he was 
 ignorant of it when he took the note, for a valuable consideration, in the ordinary 
 course of business, have compelled the maker to pay it as soon as it came to maturity, 
 according to its terms, because it would have deprived the maker of the indulgence 
 which the defendant was bound to give him ; and it does not lie in the mouth of the 
 defendant to say that he ought not to be made liable himself to pay the amount of 
 the note to the plaintiff, because the latter did not compel payment of the note fi'om 
 the maker, when it would have been a fraud in the defendant to have permitted it, and 
 not to have prevented it by paying the amount thereof himself." 
 
 ("^ Curtiss V. Martin, 20 111. 557.
 
 584 NOTES AND BILLS. [CH. XIIL 
 
 bank where it is payable ; {d) and the same is true, we tiiliik, 
 with reference to the drawer of a bill who has ordered the 
 drawee not to accept ; (e) but there is a Nisi Prius case, wiiich 
 holds that this amounts to a waiver of notice, but not of de- 
 mand. (/) So where an indorser obtains possession of the note 
 before maturity, and withholds it until after that time, demand 
 and notice are waived. (^) 
 
 There has been some conflict on the point whether a parol 
 promise to pay the note, made at the time of endorsing, or a 
 parol agreement between the parties that payment should not be 
 demanded until after maturity, is admissible to prove a waiver 
 of demand and notice. (/t) Some of the earlier cases deny its 
 admissibility, on the ground that the indorsement is a written 
 contract that regular demand shall be made and notice given, 
 which cannot be waived by a contemporaneous parol agreement. 
 But we do not think this to be law, and are of opinion that 
 the evidence may be introduced, because the contract is, not 
 that demand shall be made and notice given, but that due dili- 
 gence shall be used ; and evidence is admissible to prove 
 that such diligence has been used.(i) Indeed, the law seems 
 
 {d) Jacks V. Danin, 3 E. D. Smith, 557 ; Purchase v. Mattison, 6 Duer, 587. 
 
 (e) Lilley v. Miller, 2 Nott & McC. 257, note a; Sutclifte v. M'Dowell, id 251. 
 
 (/) Hill V. Heap, Dow & R., N. P. 57. Sedqiicere. 
 
 (y) See Havens v. Talhott, 11 Ind. 323. There was also a promise made by the de- 
 fendant, before maturity, to pay the note. 
 
 (k) In the following cases it was held inadmissible. Barry v. Morse, 3 N. H. 132 ; 
 Hightower v. Ivy, 2 Port. Ala. 30S, In Free v. Hawkins, Holt, N P. 550, 8 Taunt. 92, 
 the evidence was rejected. The court relied upon Hoare r. Graham, 3 Camp. 57, as 
 authority. But there' is an obvious distinction between the two cases. In the latter, 
 the iudorser's defence was, that the suit was premature, because, although it was 
 brought after the note matured, by a parol agreement the note was not to be sued 
 until a subsequent period. So it is settled that a maker cannot object to a suit on the 
 same ground. Hut the evidence on the point now under consideration is not offered to 
 show that the iudorser's liability accrued at a ditt'crcnt time from that mentioned in the 
 note, but that the pro[)er steps required by law had been taken. 
 
 (i) Harclay v. Weaver, 19 Penii. State, 396, where I^wrie, J., having decided, at 
 Nisi Prius, that the evidence was inadmissible, changed his opinion after argument 
 before the full bench. He said, the question now is : "May a party prove, by oral 
 testimony, that, at the time of the indorsement of a promis.sory note, it was agreed llnit 
 the itidor.ser should be aksolutely bound for the i)ayment of it, without the usual de- 
 mand and notice? This was answcrcil In ibc negative, in the court below, on the 
 princi|ile that oral testimony cannot U- beaid In vary tlii^ terms of a written contract. 
 The (!rror consists in the assumplion tli.ii the law ri'trards an indorsement au a writ en 
 contract to pay, on condition that the usual deinaiul lie made and notice givp. It \s
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 585 
 
 quite clearly settled, that a parol promise to pay, made b} 
 the \iidorser to the indorsee, at the time of,(_;) or subsequent 
 
 not so. For where tlie indorser is himself tiie real debtor, as in the case of accommo- 
 dation notes and bills, or has taken an assignment of all the property of the maker as 
 security for his indorsement, or where he can have no remedy against the maker, or in 
 the case of the drawer of a bill of exchange, where the drawee is, and during the cur- 
 rency of the bill conthiues to be, without funds of the drawer, and in many other such 
 cases, detnaud and notice are not necessary ; and these circumstances may be proved 
 by parol testimony. The reason is, that in such cases demand and notice can be of no 
 use, and therefore the law does not require them. The most, therefore, that can be said 
 of an indorsement of negotiable paper is, that from it there is implied a contract to pay, 
 on condition of the usual demand and notice; and that this implication is liable to be 
 changed on the appearance of circumstances inconsistent with it, whether those circum- 
 stances be shown orally or in writing. But it may well be questioned whether the 
 ctnidition of demand and notice is truly part of the contract, or only a step in the legal 
 remedy upon it. If it is part of the contract, how can it be effectually dispensed with, 
 witiiout a new contract, for a sufficient consideration, especially after the maturity of 
 the note? Yet there are decisions without number, that a waiver of it, during cur- 
 rency or after the maturity of tiie note, will save from the consequences of its omission. 
 This could not be if it was a condition of tiie contract, for then the omission of it 
 would discharge the indorser both morally and legally ; and no new promise after- 
 wards, even with full knowledge of the facts, could be of any validity. If, however, 
 an indorsement, without other circumstances, be regarded as an implied contract to 
 pay, provided the holder use such diligence that the indorser lose nothing by his negli- 
 gence or indulgence, then it accords with all these decisions. Then the law, and not 
 the contract, declares the usual demand and notice to be in all cases conclusive, and 
 in some cases necessary, evidence of such diligence. The law imposes no vain duties, 
 and its general rules are subjected to exceptions in order to dispense with them ; but it 
 does not thus deal with contract duties. It is, therefore, perfectly consistent in declar- 
 ing that an indorser is bound by a new promise, after he knows of the omission of 
 demand and notice; for this is an admission that he was not entitled to it, or has not 
 sutfered for want of it. It declares demand and notice necessary, in some cases, to 
 save the indorser from loss, and it declares that his own admission may be substituted 
 for them. It seems, therefore, that the duty of demand and notice, in order to hold 
 an indorser, is not a part of the contract, but a step in the legal remedy, that may be 
 waived at any time, in accordance with the maxim, Quilihet potest rennnciare juri pro se 
 introduc.to ; and certainly an indorsement is not regarded as a written contract, so far as 
 to prevent oral proof that its terms differ from the ordinary contract of indorsement." 
 In the following cases it was held that a waiver might be proved by parol. Boyd v. 
 Cleveland, 4 Pick .525 ; Taunton Bank v. Richardson, .5 id. 436 ; Fuller v. McDon- 
 ald, 8 Greenl. 213; Drinkwater v. Tebbetts, 17 Maine, 16; Lane v. Steward, 20 id. 
 98 ; Edwards v. Tandy, 36 N. H. 540 ; Farmers' Bank v Waples, 4 Harring. Del. 429, 
 (j) In Boyd v. Cleveland, 4 Pick. 525, the holder remarked to the defendant at the 
 time the note was received, that he had no confidence in the other parties to the note, 
 and did not know them, and should look wholly to the defendant. The defendant said 
 he should be in New York, where the plaintiff lived, when the note became due, and 
 would take it up if it were not paid by any other party to it. Held a waiver of notice, 
 and that an unsuccessful attempt on the part of the plaintiff to notify the defendant 
 did not affect the question. See Taunton Bank v. Richardson, 5 Pick. 436 ; Fuller 
 r. McDona'd, 8 Greenl. 213, where the indorser, at the time the note was transferred,
 
 5 86 NOTES AND BILLS. [CH. XIIL 
 
 U),{k) the indorsement ; an agreement to extend the time of 
 
 agreed to pay the note if the maker did not, and the holder took it, relying upon 
 the in lorser's credit; Lane v. Steward, 20 Maine, 98, where the indorser promised 
 to pay if the maker should not. There was also a promise subsequent to maturity. 
 In Wall V. Bry, 1 La. Ann. 312, there was a verbal agreement between the indorser 
 and the holder, that the former was to be responsible only in case payment could not 
 be obtained from the maker. Held that notice was waived. It does not appear 
 whether the agreement was made at the time the note was transferred or subse- 
 quently. Contra, Staples v. Okines, 1 Esp. 332. In this case the acceptor was in- 
 debted to the drawer at the time the bill was drawn, but then informed the latter that 
 he would not be able to provide for the bill. It was understood between them that 
 the drawer was to provide for the bill when due. Notice to the drawer was held neces- 
 sary. Lord Kent/on said : " The law was general, only exempting the party from the 
 necessity of giving notice where the drawee had no effects ; and as here the drawee 
 was indebted to the defendant, on whom the bill was drawn, and so in fact had eftects 
 in hand, and if he had had effects in hand when the bill became due, would have 
 taken it up, he was of opinion that notice was necessar}'." So, in Davis v. Gowen, 19 
 Maine, 447, the plaintiff told the indorser, at the time the note was transferred, that 
 he would not take the note unless the indorser would pay it at maturity, and that he 
 would not look to any other person for it. This statement, the defendant being called 
 on for payment, was not denied. The court said : " The defendant might have agreed 
 to pay the note at maturity, and the plaintiff may have apprised him, when he received 
 the note, that he relied altogether upon him ; yet the agreement of the defendant must 
 be understood to have been made with the implied reservation, that, if the maker paid, 
 he was not to be liable. He did not discharge the holder from the duty imposed upon 
 him, to demand payment of the maker at the maturity of the note. There is not 
 sufficient evidence in the case to change or modify his legal liability arising from the 
 indorsement." 
 
 (/.-) Sigerson v Mathews, 20 How. 496, where the defendant told the plaintiff, six 
 months after indorsing, and eighteen months before maturity, not to protest the note, 
 as it should be paid at maturity. Held a waiver of demand and notice. Whitney y. 
 Abbot, 5 N. H. 378, where the indorser told the holder, a month before maturity, it 
 being ascertained that the makers had failed, that he should have no trouble about the 
 note, that he, the indorser, would pay it, and was going to procure money to pay it. 
 Held a waiver of demand and notice. Edwards v. Tandy, 36 N. H. 540. In Leonard 
 V. Gary, 10 Wend. .504, the note was payable at ten days' notice. Demand was made 
 on Dec. 7th, and on Dec. 12th the defendant told the plaintiff, that when he indorsed 
 paper, he indorsed it to pay; that he would see the plaintiff paid, if it took every cent 
 ill his pocket ; he asked the plaintiff to give him time ; olfeied to give his note for the 
 debt, jiavable in a year, and, whether the |)laintilf would take it or not, he should be 
 paid ; and ssiid that the plaintitf need give himself no uneasiness about it, as he would 
 see him j)aid, if it came out of his own pocket. Held a waiver of demand, at the ex- 
 piraiio'n of the ten days, and of notice. In Bruce v. Lytic, 13 Barb. 163, the defendant 
 told tli(! |)hiintitf, the day before maturity, that ho wunild ])ay and take up the note in 
 three or fijur day.s. Five days after maturity, an insufTii'ient demand was made and 
 notice L'iven. 'J'lie defendant was held principally on the ground that demand and 
 notice lind been waived. Wall v. Bry, 1 La. Ann. 312, sn pro, nolo j. In Lary i: 
 Young, 8 Eng. Ark. 401, the attorney of the holder reminded t!ie indorser, a few 
 davB l»efore tiiuturity, that the note would soon be due, mid that the makers had left 
 town. The indorser said that he owed the note; that it was all right; that he had
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 587 
 
 the pajinent ; {/) a request made by the indorser for forbear 
 
 indorsed it to pay it; and if he was not there when it became due, that his agent would 
 pay it. Held a waiver of demand and notice. In Norton v. Lewis, 2 Conn. 478, de- 
 mand was made and notice given the day before maturity. But the defendant, an 
 indorser, in consideration that the holder of the note would wait until a future period 
 before suing, agreed to pay the note. The defendant was held Cullamer, J., Russell 
 V. Buck, II Vt. 166, 175; Bennett, J., id. 182. See Burgh v. Legge, .5 M. & W. 418 
 Contra, Davis v. Gowen, 19 Maine, 447, where the evidence was, that the attorney of the 
 plaintiff, on the first day of grace, demanded payment of the defendant, saying that the 
 plaintiff had directed the note to be sued immediately. The defendant replied tiiat he 
 would pay it immediately, or see it paid. There was also a verbal agreement or under- 
 standing at the time the note was transferred. Supra, p. 586, woiej. Held no waiver 
 of regular demand and notice In Jervey v. Wilbur, 1 Bailey, 453, the plaintiff's 
 attorney, in whose hands a note had been left for collection, said to the defendant, who 
 was an indorser of that note, that the plaintiff held other notes with his indorsement 
 on them ; and that he, the attorney, would give him no notice of the next suit be- 
 fore issuing process against him. The defendant replied that he wanted none ; for 
 he knew the maker was insolvent, and that the rest of the notes must be paid by 
 himself, which he would take care to do, before they could get into the attorney's 
 hands. Held no waiver of notice as to the notes not then due. One of the grounds, 
 however, for the decision was, that the declaration was made to a third party, who, at 
 the time, had no authority to represent the plaintiff. In Baker v Birch, .3 Camp. 107, 
 the acceptor told the drawer, a few days before maturity, that he could not paj- the 
 bill, and that the latter must take it up. He also gave the drawer part of tlie amount, 
 to enable him to do so. The drawer received the money, and promised to take up 
 the bill. It was held, that the drawer might still set up want of due presentment 
 and notice in defence ; and that tlie money received might be recovered as money had 
 and received to the plaintiff's use. 
 
 (/) Supra, p. 582, note a. In Williams v. Brobst, 10 Watts, 111, cited supra, ]k 583, 
 notey, it is not stated whether the agreement was by parol or written. In Barclay v. 
 Weaver, 19 Penn. State, 396, a parol agreement to extend the time of payment was held 
 a waiver of demand and notice. In Farmers' Bank v. Waples, 4 Ilarring. Del. 429, the 
 indorser simply asked the bank not to protest the note, saying that he would always renew 
 his indorsement, and hold himself liable, without protest and notice. The note had been 
 allowed to lay over several times, and had been several times renewed. Demand and 
 notice were held to be waived. But in Oswego Bank v. Knower, Hill & D. 1 22. the 
 defendants had given to the maker several blank indorsements, without the notes being 
 filled up. The maker had used them for the purpose of procuring discounts at the bank 
 of wliicli he was president. The notes in suit grew out of accommodations at the 
 bank, for the benefit of the maker, which had commenced several years before these 
 notes were made, which notes were given in consequence of various renewals made 
 from time to time. None of the notes had been protested, by direction of the presi- 
 dent. The judge charged the jury, that, if the defendants knew that the previous notes, 
 the predecessors of those in suit, fell due, and they received no notice, and then again 
 indorsed the notes given in renewal, that they might infer a waiver of notice in respect 
 to the note in question. This charge was held incorrect. Nelson, C.J. said: "Suppose 
 a ]iower of attorney had been given to use the name of the defendants' firm as accom- 
 modation indorsers, which would have been no very uncommon case, could the idea 
 nave been entertained, for a moment, that the simple indorsement wonld have made 
 tV>em absolutely liable, or laid any foundation for such an infere-jce 1 I apprehei.d
 
 688 NOTES AND BILLS. [CH. XTIL 
 
 aiice ; (ni) an agreement with a bank at which a note is discounted, 
 to attend to and take care of it, with directions that the bank notice 
 for the maker should be sent to the care of the indorser, even 
 though the agreement is made before the time of delivering the 
 
 uobody would contend for the proposition. And these blank indorsements are nothing 
 more than a standing power to that effect. If the defendants had intended to dispense 
 with notice, thev would have signed, as makers, at once, and become absolutely bound. 
 The very fact of confining their security on the paper to the character of indorsers, 
 shows that they meant to limit their liability accordingly, and to be entitled to all the 
 benefits incident to it. An indorsement in blank, in judgment of law, is as j)recise and 
 distinct, and as well known and understood, as if the liability or condition of the usual 
 demand and notice had been written out upon the back of the paper; and nothing short 
 of the clearest evidence of the assent of the defendants, express or implied, should be 
 regarded as sufficient to waive the condition or change the nature of the contract, 
 making it an absolute instead of a conditional one. Upon the whole, I am satisfied 
 that, to allow the circumstances put forth here, whether taken separately or in the 
 aggregate as laying the foundation for an inference of a waiver of demand and notice, 
 would be going farther than any case has yet gone in dispensing with the contract of 
 the indorser, and farther than will be consistent with the uniformity and staliility of the 
 law, so important in respect to commercial paper. Indeed, if we analyze the facts in 
 the case, and reduce them to the particulars beaiing upon the defendants, and for which 
 they may properly be held responsible, it will be found that there is little else in it 
 deserving the name of evidence, independently of the unlimited power given to the 
 brother to use the name of their firm as indorsers. leading, even in the remoiest degree, 
 to an assent to the waiver. And we can hardly be expected to infer it from the fact 
 that the power given to indorse is a general one. On the contrary, we suppose that 
 the limitation of the liability assumed to that of indorsement, and that only, shows 
 clearly enough an intention to stand upon the paper in that character, and in that 
 only, however extended and onerous the liability might become." 
 
 {ill) Leffingwell v. White, 1 Johns. Cas. 99, where the indorser informed the holder 
 that the maker had absconded, and said that, being secured, he would give a new note, 
 and requested time. While these negotiations were pending, the note fell due. De- 
 mand and notice were held to be waived. Gove v. Vining, 7 Met. 212, where the 
 note was payable at cither bank in Boston On the first day of grace the holder sent 
 a messenger with the note, and a written notice to the indorser requesting payment, to 
 the house where the maker and indorser both resided. The maker was absent, but the 
 indorser read the notice, and told the messenger that the maker would see the holder in 
 a short time, and expressed a wish tliat the note should not be sued until the indorsej 
 should see the holder. No demand was afterwards made of the maker, nor any notice 
 given to the indorser. Sluiw, C. J. said : " Although this was stated as the retpiest of 
 the promisor, yet it was made by the indorser, without any restriction or qualilicatiou 
 on \ier part, and tlierefore may he considered the same as if it were her own. It was, 
 therefore, a request by the indorser to the holders, through their agent, with full notice 
 tilt t the note was then nominally dm;, though not legally payable till three days after, 
 fo' forbenrance of jiaymcnt It was calculated to induce the holder to believe that the 
 ]>» .tics who were liable were about making some arrangeineiit or some proposal by 
 w.Jch it would be paid, if he would forbear resorting to coercive measures for a short 
 lime. And the court arc of ofiiiiion ibat, when the indorser, at or shortly be*'ore the 
 time when ihe note becomes due, ^nys to the holder that an arrangement for its j ay-
 
 CH. Xni.] EXCUSES FOR WANT OF NOTICE. 589 
 
 indorsement ; (u) an agreement by the indorser with the maker, 
 to pay the note and to take it back into his own hands ; (o) an 
 agreement l)y tlie indorser to pay, if the note could not be col- 
 lected of the maker by due course of law ; (;>) a verbal agree- 
 ment between the indorser and the indorsee, by which the latter 
 agreed to inform the maker of the indorsement, and to wait six 
 months after maturity before making cost upon the note ; {g) a 
 refusal by the drawer to give his address, with a declaration to 
 the holder that the acceptor would not pay, coupled with a prom 
 ise to call in a few days to inquire whether the bill had been paid 
 or not ; (r) a declaration by the drawer of a check, who was the 
 paying teller of the bank on which it was drawn, three days 
 before maturity, that the check would not be paid ; (s) part pay- 
 ment of a check before maturity, as it would seem ; (t) a decla- 
 ration by the indorser of a check to the holder, that the maker 
 cannot pay, that the latter has made an assignment, and has 
 therein preferred him ; (u) all have respectively been considered 
 as a waiver of demand and notice. 
 
 nient is about being made, and in direct terms or by reasonable implication requests 
 the holder to wait and give time, it amounts to an assurance that the note will be paid, 
 that the promisor or indorser will pay it, and is a waiver of demand and notice. It 
 tends to put the holder off his guard, and induces him to forego making a demand at 
 the proper time and place ; and it would be contrary to good faith to set up such want 
 of demand and notice, caused perhaps by such forbearance, as a ground of defence." 
 But in Sussex Bank v. Baldwin, '2 Harrison, 487, 495, the defendant sent a letter to the 
 cashier of the bank a week or two before maturity, stating that the maker could not 
 pay, and requesting that the note might be renewed. The defendant was discharged 
 for want of proof of notice. 
 
 (n) Taunton Bank v. Richardson, 5 Pick. 436. Held a waiver of demand and no' 
 tice, or at least evidence from which a jury might infer such waiver. 
 
 (o) Marshall v. Mitchell, 35 Maine, 221. Held a waiver of demand and notice. 
 
 (p) Backus V. Shipherd, 11 Wend. 629. 
 
 (q) Drinkwater v. Tebbetts, 17 Maine, 16, where notice was waived. 
 
 (r) Phipson v. Kneller, 1 Stark. 116, 4 Camp. 285, where notice was waived. Lord 
 Ellenborouyh said : " No legal proposition can be more clear than that, where a party 
 says, 'My residence is immnterial, I will inquire whether the bill is paid,' he thereby 
 takes upon himself the onus f;f making inquiry, and dispenses with notice." 
 
 (s) Minturn v. Fisher, 7 Calif. 573. 
 
 {t) In Levy v. Peters, 9 S & R. 125, 128, Ti/ghman, C. J. said: "If one draws a 
 ■•.heck on a bank, payable some time after date, and before the time of payment the 
 drawer pays part, I should suppose it must be the intent of the parties that the check 
 should not be presented. I doubt whether the bank would pay the balance in such 
 case, without a special order from the drawer, or some written explanation. On this 
 point, however, I give no opinion, as the case does not require it'' 
 
 (u) Taylor v. French, 4 E. D. Smith, 458 
 
 VOL, I. 50
 
 590 NOTES AND BILLS. [CH. XIIL 
 
 "Whoithcr acts other than a promise to pay will constitute a 
 waiver or not has been also somewhat discussed. Thus, where 
 an indorser, after maturity, agreed with the maker to take up 
 the note, to give back to him the property for which the note 
 was given, and to return the note without further consideration, 
 this was held to constitute a waiver of demand and notice. (??) 
 A confession of judgment has also been held admissible evidence 
 of waiver, but not conclusive. (?/;) Where tlie drawer of a bill 
 which had been duly presented, but was unpaid, gave the holder 
 his own note for the amount, it was held that it was no de- 
 fence to the note to prove laches in giving notice of non- 
 payment of the bill ; (x) but the giving of a bond would seem 
 to have been held to be only prima facie evidence of waiver. (?/) 
 So where the drawer himself undertakes to present a bill after 
 maturity, (z) although inquiries and attempts by an indorser to 
 induce tlie maker to pay have been held not to be a waiver. (a) 
 The fact that an indorser appeared at the meeting of the cred- 
 itors, and assumed the character of a creditor for a large sum, 
 
 (v) Andrews ». Boyd, 3 Met. 434, where the defendant had sold the maker a vessel 
 for $ 2,800, of which $ 800 was paid in cash, and the remainder by two notes for 
 S 1 ,000 each. The defendant offered evidence to show that the vessel, from fall in 
 prices, and from wear and tear, was not worth the amount of the notes. Held imma- 
 terial. Shaw, C. J. said : " When the indorser took back the property which was the 
 oriy;inal consideration for the notes, and agreed in express terms with the promisors 
 that he would pay and take up the note now in suit, and deliver it to them without 
 further consideration, and this after the note became due, and after he must have 
 known whether he had received due notice of its non-payment or not, wo cannot 
 perceive why this is not evidence from which a jury might properly infer that he had 
 received due notice of tlie non-payment of the note from the holder. But if this wore not 
 clear, we are of opiTiion that, when the indorser took the property of the promisors into 
 his own hands, being cither of sufficient amount and value to pay the note, or perhaps 
 being all they could give him ; and when, with such funds as they did furnish him 
 with, he agreed absolutely to pay and take up the note on which he stood as indorser. 
 without further consideration from them, it was a waiver of notice on his part " 
 
 (?/;) Sec Riciitcr v. Selin, 8 S. & R. 425, where Duncnn, J. said : " The confession 
 f)f jiidirmcnt may be evidence of an acknowledgment of liability, but is not conclusive 
 eviflcnce. It is not a legal presumption. It is capable of being explained and re- 
 pelled by the circumstances under which it was given. But if the defc^ndant confessed 
 tlic judgment liyany false suggestion of the drawers, and on the faith of a valid secuiity 
 to indemnify him, which sccin-ity was found to be immediately worthless, .... all this 
 would he <;videnr-c lo repel the presumf)tion arising from the judgment and security." 
 
 (x) Leonard v. Hastings, 9 Calif. 2.'56. 
 
 (.1/) Ralston V. Bullitts, 3 Bilib, 201 ; Mills v. Rouse, 2 Littell, 203. 
 
 («) See Cram v. Sherburne, 14 Maine, 48. 
 
 (a) Hussey V. Frci-man, 10 Mass. 84.
 
 CH. Xin.J EXCUSES FOR WANT OF NOTICE. 591 
 
 including the note sued on, has heen held no waiver of demand 
 and notice ; (b) but we sliould say that it might be regarded as 
 evidence oF sucli waiver, (c) 
 
 Wliether particular conversations amount to a waiver or not 
 has been held to be a question of fact for the jury, and not one 
 of law for the court,((/) but it has also been said that questions 
 
 (/)) Miranda v. City Bank, 6 La. 740. 
 
 (c) See Martin v. Ingersoll, 8 Pick. 1. 
 
 {d) Union Bank v. Magruder, 7 Pet 287, where Story, J. said : " The plaintiffs, on 
 the foregoing evidence, prayed the court to instruct the jury as follows : ' That, if the 
 jury believe the defendant iicld the above conversatioTis as stated by the witnesses, 
 such convers^ations amount to a waiver of tiie objection of the want of demand and 
 notice ; and the defendant is liable on the note, if the jury should believe that the 
 defendant made the acknowledgments and declarations stated in the conversations 
 in reference to the claim of the bank upon him as indorser of the note.' Which 
 the court refused. And the plaintiffs then prayed the court to instruct the jury as 
 follows : ' That, if the jury believe, from the evidence aforesaid, that the defendant, 
 after knowing of his discharge from liability as indorser of the said note, by the neglect 
 to demand and give notice, said "that he meant to pay the note, but should take his 
 own time for it, and would not put himself in the power of the bank " ; and that the bank 
 forbore bringing suit, from the time of said conversation, about three or four months 
 after the note fell due, until the date of the writ issued in this cause, then the plaintiffs 
 are entitled to recover on the second count of the declaration.' Which, also, the court 
 
 refused to give The question is, whether these instructions, thus propounded, 
 
 were rightly refused by the court. And we are of opinion that they were. The first 
 requests the court to instruct the jury upon a mere matter of fact, deducible from the 
 evidence, and which it was the proper province of the jury to decide. It asks the court 
 to declare that the conversations stated, sufficiently loose and indeterminate in ihem- 
 eelves, amounted to a waiver of the objection of the want of demand and notice. 
 Whether these did amount to such a waiver was not matter of law, but of fact; and 
 the sufficiency of the proof for this purpose was for the consideration of the jury. The 
 second instruction is open to the same objection. It calls upon the court to decide 
 upon the sufficiency of the proof; to establish that there was a forbearance by the 
 plaintiffs to sue the defendant upon the note, and of the promise of the defendant, in 
 consideration of the forbearance, to pay the same. That was the very matter upon 
 which the jury were to respond, as matter of fact. It is also open to the additional 
 objection, that it asks the court to decide this point, not upon the whole evidence, but 
 upon a single sentence of the conversations stated, without the slightest reference to 
 the manner in which the meaning and effect of that sentence was, or might be, con- 
 trolled by the other points of the conversations, or the attendant circumstances. In 
 either view, it was properly refused." So Carmichael v. Bank of Pennsylvania, 4 
 How. Miss. 567, where the court refused to charge, that the declarations of the defend- 
 ant, a second indorser, that the first indorser " considered that they were exonerated, 
 that he himself thought differently, there was no use in resisting, that the bills must 
 be provided for, and that the first indorser stood between him and danger, were not an 
 absolute promise, and did not amount to a waiver in law." Held, that the refusal was 
 correct. Lary v. Young, 8 Eng. Ark. 401. See Curtiss ». Martin, 20 111. 557 ; Whita- 
 ker I-'. Morris, .Esp. N. P 58.
 
 592 NOTES AND BILLS. [CH. XHI. 
 
 of waiver are matters of law.(e) We should say that the ques- 
 tion, whether a promise was really made, and what it is, taken in 
 connection with all the facts of the case, was a matter of fact, as 
 well as whether the promise was made with a knowledge of all 
 the material facts. But what construction is to be put upon the 
 promise and the knowledge, when proved, must be a question 
 of law. 
 
 3. Where the Waiver occurs on the Day of Maturity. 
 
 It will be seen that the general principle upon which most of 
 these cases on the subject of waiver before maturity depend is, 
 that the indorser has, by act or word, done something calculated 
 to mislead the holder, and induce him to forego taking the usual 
 steps to charge the indorser. The same principle would apply, 
 in our opinion, wlien the declarations are made on the day of 
 maturity. Thus, where the holder asked the indorser, on the 
 day the note matured, if it would be best to call upon the 
 makers, and the indorser replied that it would be of no use, a 
 regular demand and notice were considered as waived. (/) So a 
 verbal request by the indorser to the holder not to protest the 
 note was held to be a waiver of demand. (g-) 
 
 (e) III Creamer ». Perry, 17 Pick. 332, S/iaw, C. J. said : '' Tliough questions of due 
 diligence and of waiver were originally questions of fiict, yet having been reduced to a 
 good degree of certainty by mercantile usage, and a long course of judicial decisions, 
 they assume the character of questions of law ; and it is liigiily important that they 
 should be so deemed and apjjlied, in order that rules affecting so extensive and impor- 
 tant a department in the transactions of a mercantile community may be certain, prac- 
 tical, and uniform, as well as reasonable, equitable, and intelligible." 
 
 ( /■) Sec Barker v. Parker, 6 Pick. 80. There were other circumstances in the case, 
 but the court seems to have considered the conversation enough to amount to a waiver. 
 In Burgh v. Lcgge, .5 M. & W. 418, an action against the indorser of two bills due on 
 April 4th and .'5th, the defendant called on the plaintiff on A])ril -Itii, and said that one 
 of the bills would not be paid, as the accejitor was bankru])t ; that the other bill would 
 not be paiil, as he held some pictures as security, and had not been able to sell them ; 
 and that the acceptor had no other means of raising the money. He also said that it 
 was not worth while to trouble liim with a twopenny-post letter, to give noti(;e, as it 
 was not worth the money, and that he would bring the plaintiff some money the next 
 week, in part payment of the bills. Held no evidence to support an allegation of due 
 notice, but that it probably would support an allegation of dispensation of notice. 
 
 ((/) Scott r. Greer, 10 Pcnn. State, 103. But in Pridcaux r. Collier, 2 Stark. 57, the 
 drawee told the holder the day before maturity that he had no effects of the drawer in 
 hi« himd-*, but would probably be supplied before the ne.\t day. On maturity the 
 drawer told the holder that lie hoped the bill would be paid ; that he would svc what he 
 Could do ; wrmld endi'iivor to provide etfects ; and would see him again. The bill was
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 69S 
 
 With reference to the question whether a particuhir conversa- 
 tion amounts to a waiver, no general rule can be laid down, 
 except that the words used must be such as fairly to lead a rea,- 
 sonable man to suppose that the indorser did not wish that the 
 regular course in making a demand and giving notice should be 
 pursued ; or sucli as would be calculated to prevent him from so 
 doing. But, on the other hand, the language must not be so 
 vague, uncertain, and loose as to raise a reasonable doubt as to 
 wliat was intended. (A) It will be seen that there is a marked 
 
 presented the day after maturity, and the drawer was discharged. Lord Ellenhorough 
 said : " The evidence shows that it was not likely that the drawees would accept the 
 hill, hut it was possible that they might change their minds." It would seem some- 
 what difficult to reconcile this case with that cited nupra, p 589, note r, and there 
 is certainly ground to contend that there was evidence from which a jury might infer 
 a waiver, on the ground that the drawer had, to use the language of the same judge 
 in that case, " taken upon himself the onus of making inquiry." So in Cayuga Co. 
 Bank v. Dill, 5 Hill, 404, the indorser called at the bank on the day of maturity, and 
 after observing that the note had come round, asked if it could not be renewed on pay- 
 ment of $100, and discount. He said that the maker was absent, and that the note 
 would have to lie over until his return. The cashier expressed a willingness to renew 
 the note upon the terms proposed, if the defendant could do no better. On leaving the 
 bank, the defendant told one of the directors the conversation with the cashier, adding 
 that the S 100 dollars should be paid and the note renewed on the maker's re- 
 turn. The director assented to the renewal, and told the cashier to let the note 
 lie. By mistake of one of the clerks, the note was not protested until three days 
 afterwards. On the day of protest the indorser called at the bank and inquired why 
 the note had not been protested. He was told that it would be protested in the 
 afternoon, whereupon he replied that it was too late, and refused to indorse a new note. 
 No notice was sent. The judge at Nisi Piius refused to nonsuit the plain'tiff, at the de- 
 fendant's request, and charged that, under the circumstances, the plaintiff was entitled to a 
 verdict. The verdict was set aside and a new trial granted, Cowen, J., dissenting. Nelson, 
 C. J. founded his opinion on the ground that the omission to protest and to give notice 
 arose, not from the conversations, but from the negligence of the clerk; and that the 
 words used were too loose and uncertain to constitute a waiver. Cowen, J. was of opinion 
 that the conversation was fully sufficient to amount to a waiver, that it was unreasona- 
 ble for the defendant, under the circumstances, to object to want of demand and notice. 
 As to the conversation, the opinion of Cotven, J. is clearly the better. And as to the 
 effect of the want of protest being caused by the clerk's negligence, it may be observed, 
 that this appears contrary to the case of Boyd v. Cleveland, 4 Pick. 52."), supra, p. .585, 
 note /, where notice was held waived, although the holder made an unsuccessful attempt 
 to notify the indorser. It may also be answered, that the question is not whether the 
 holder was actually misled, but whether, under the circumstances, a reasonably prudent 
 man might not con>ider that the indorser had waived the necessity of notice. So also 
 if no protest at all had been made, or no attempt to protest, the indoisor would prob- 
 al)ly have been held. It might be difficult, then, to see why an attempt to do that 
 whicii a party was not bound to do should deprive him of a right to which he would 
 be entitled in case no such attempt had been made. 
 
 (//) See Cayuga Co. Bank v. Dill, 5 Hill, 404 ; Prideaux v. Collier, 2 Stark. 57. In 
 
 Vol.. I.— 2 N 50 *
 
 594 NOTES AND BILLS. [CH. XIH. 
 
 difference between tlie waiver before and after maturity, as re- 
 gards the question what words will amount to a waiver, for the 
 obvious reason that, in the former case, the holder may be mis- 
 led, and prevented from presenting and giving notice, while, in 
 the latter, no such circumstance can occur. (i) 
 
 4. W)iere the Waiver occurs after Maturity. 
 
 The expression, " waiver of demand and notice after matu- 
 rity," though often used, is somewhat inaccurate. Properly 
 speaking, demand and notice can only be waived before matu- 
 rity ; but the party may, by words or acts subsequent to that 
 time, relieve the plaintiff from the necessity of proving demand 
 and notice, or render tlie fact that no demand was made or no- 
 tice given entirely immaterial. (7) The subject of taking secu- 
 rity before maturity, with reference to the bearing upon waiver, 
 has already been discussed, (A;) and it has been seen that the 
 authorities are somewhat in conflict. But it seems to be well 
 
 Gregory v. Allen, Mart. & Y. 74, the note was indorsed when overdue. By agreement 
 between the indorser and indorsee, the latter was not to make any demand until the 
 following May, when the maker was expected to return. The latter returned in July, 
 after the commencement of the suit. No demand or notice was proved. A witne.ss 
 testified, that, a few weeks before the suit, he was present at a conversation between the 
 plaintiff and defendant ; that he told them that he expected to go to the place where 
 the maker then was in about a week. They agreed to send the note by him for col- 
 lection. Plaintiff then asked the defendant if he would be accountable for the amount 
 of the note if he, the plaintiff, would wait until the witness returned. The defendant 
 replied, that he felt himself bound for the note as they had agreed. The understanding 
 of the witness was, that, if he carried the note and failed to get the money, the defend- 
 ant was to be accountable for it, not otherwise. The witness did not take the trip, and 
 the note was never sent, so far as he knew. A verdict for the plaintiff was set aside, as 
 Hgaifist evidence, or unsupported by any. Crabh, J. sh'h\: "The well-settled rule of 
 law is, that, to sliow a waiver of demand and notice, there must be clear and unequivo- 
 cal evidence." That is perhaps stating the rule too strictly, as regards a waiver be- 
 fore maturity. An agreement by the drawer and indorser of a bill with the holder, 
 before the bill became due, that the holder should take any security, or nnike any 
 arrangement he thought proper to secure payment, wiihotit affecting their liabilities, 
 does not dispense with the necessity of demand and notice. Bank v. Spell, 2 Hill, 
 S. Car. .366. 
 
 (/) Story on Prom. Notes, § 280 ; Srott, J., Lary v. Young, 8 Eng. Ark. 401. 
 
 ( /) In Hoadley v. Bliss, 9 (ia. .30.'J, AV.s/W, J. said: " The presiding judge held that 
 the indorser could waive demand and notice before the note fell due, and it is excepted 
 that this was an error. He could waive demand and notice at no other titne. It is 
 true that he may, after it is due, waive his right to except to bis liability, that is, waive 
 proof of demand and notice, and the presiding judge held nothing K} the contrary of 
 this." 
 
 {k) Supra, [.ji. .OTG - .'J'J2.
 
 CH Xm.] EXCUSES FOR WANT OF XOTICE. 595 
 
 settled, that taking security after maturity is no waiver, because 
 the reasons for considering security as a waiver do not apply. (/) 
 
 Although there is great fluctuation and uncertainty in the 
 cases connected with this subject, yet the general principle 
 seems now to be settled, in this country, at least, and by the ear- 
 lier decisions in England, that, where no demand has been made 
 or notice given, a promise to pay, after maturity, made with full 
 knowledge of laches, is binding on the party promising ; and 
 removes entirely the effect of any negligence in making the 
 demand or in giving the notice. (m) The cases, however, are 
 
 {I) Tower v. Durell, 9 Mass. 332, where the indorser had taken an assignment from 
 the maker, after maturity, of a suit then pending, and had also received part of the 
 rent of a house. Held no waiver of demand. Creamer v. Perry, 17 Pick. 332. In this 
 case, demajid on the maker was made the day after maturity, and the indorser was 
 notified a few days after. There were two assignments, one before and the other after 
 maturity. The case does not disclose what the terms of the second assignment were. 
 Shaw, C. J. said : " The second assignment does not affect the question; it does not 
 appear to have been made till several days after the note became due." Otsego Co. 
 Bank v. Warren, 18 Barb. 290. In this case, the plaintiff offered to prove that the 
 defendant, the second indorser of a bill, took an assignment from the first indorser to 
 secure the former for all his liabilities for the drawers, and that the property assigned was 
 sufficient to cover the whole liability, including the draft in suit. Held, that the evi- 
 dence was properly excluded. Bacon, J. said : " If there has been no due ])resentraent 
 or notice of dishonor, and the indorser, after the maturity of the note, even supposing 
 him.self liable to pay the same, takes security from the maker, that will not amount to 
 a waiver of the objection of want of due presentment or notice ; since it cannot justly 
 be inferred that he intends at all events to make himself liable for the payment of the 
 note, but he takes the security merely contingently, in case of his ultimate liability." 
 See Burrows v. Hannegan, 1 McLean, 309 ; Richter v. Selin, 8 S. & H. 42.5, 439. An 
 agreement subsequent to maturity, to put into the hands of the holder certain mer- 
 chandise, is no waiver. Carter v. Burlcy, 9 N. H. .5.t8. But it was held equivalent to 
 a promise to pay, and as the indorser must have known whether he had received noticie 
 or not, such an agreement was held sufficient evidence of waiver in Debuys v. Mol- 
 lere, 15 Mart. La. 318. 
 
 (m) Sigerson v. Mathews, 20 How. 496, where the judge, at Nisi Prius, charged the 
 jury, that if, " after the maturity of the note, the defendant promised the plaintiff or 
 his agent to pay the same, having at the time of making said promise knowledge of the 
 fact that the note had not been presented for payment, and that no demand had been 
 made therefor, or notice of non-payment given, the defendant cannot now set up, as a 
 defence to said note, a want of such demand or notice " Held correct. See Reynolds 
 V Douglass, 12 Pet. 497, 50.5 ; Thornton ?;. Wynn, 12 Wheat. 183 ; Read v. Wilkin- 
 son, 2 Wash. C. C. 514; Martin v. Winslow, 2 Mason, 241 ; Creamer v. Perry, 17 
 Pick. 332 ; Hopkins v. Liswell, 12 Mass. 52 ; Byram t'. Hunter, 36 Maine, 217 ; Hunt 
 V. Wadieigh, 26 id. 271 ; Davis v. Gowen, 17 id. 387 ; Cram v. Sherburne, 14 id. 48; 
 Groton c Dallheim, 6 Greenl. 476 ; Edwards (;. Tandy, 36 N. H. 540 ; Rogers v. 
 Hackett, 1 Foster, 100; Parker, C J., Merrimack Co. Bank v. Brown, 12 N. H. 
 321), 32.') Woodman v. Eastman, 10 id. 359 ; Whitney v. Abbot, 5 id. 378 ; Otis v
 
 596 NOTES AND BILLS. [cil. XIII. 
 
 somewliat strict in their requirements, as they should be. In the 
 first place, there slum Id be clear and distinct evidence of the 
 promise.(7i) The following are instances in which it was held 
 that the promise was sufficiently made out. Where the indorser 
 of a note said to the plaintiff's agent, on being asked what to do, 
 that in a few davs he would see the agent and arrantre the 
 iiote;(o) a declaration by the indorser, that when he returned he 
 would set matters to rights ;(p) an acknowledgment of the debt 
 by the drawer, with a promise to send funds with which to take 
 
 Hussey, 3 id. 346 ; Hosmer, C. J., Breed v. Hillhouse, 7 Conn. 523, 528 ; Brooklyn 
 Bank v. Waring, 2 Sandf. Ch. 1 ; Bruce v. Lytle, 13 Barb. 1G3 ; Ttbbetts v Dowd, 
 23 Wend. 379 ; Leonard v. Gary, 10 id. 504 ; Jones v. Savage, 6 id. 658 ; Trimble v. 
 Thorne, 16 Johns. 152; Griffin v. Goff, 12 Johns. 423; Miller v. Hatkley, 5 id. 375; 
 Duryee v. Dennison, id. 248 ; Strong, J., Sherer v. Easton Bank, 33 Penn State, 134, 
 141 ; Donaldson v. Means, 4 Dall. 109 ; Sussex Bank v. Baldwin, 2 Harrison, 487 ; 
 IT. S. Bank v. Southard, id. 473; Barkalow v. Johnson, 1 id. 397 ; Beck v. Thomp- 
 s(j!i, 4 Harris & J. 531 ; Higgins v. Morrison, 4 Dana, 100 ; Pate v. M'Clure, 4 Rand 
 Va. 164 ; Walker v. Laverty, 6 Munf. 487 ; Moore v Tucker, 3 Ired. 347 ; Gardi 
 iRT V. Jones, 2 Murph. 429 ; Johnson. J., Allwood v. Hascldon, 2 Bailey, 457 ; Hall w, 
 Freeman, 2 Nott & McC. 479 ; Spurlock v. Union Bank, 4 Humph. 336 ; Durham v. 
 Price, 5 Yerg. 300 ; Sherrod v. Rhodes, 5 Ala. 683 ; Kennon v. M'Rea, 7 Port. Ala. 
 175, where it was held that the promise miglit be made after suit brought ; Harvey v. 
 Troupe, 23 Missis. 538; Oglesliy v. Steamboat, 10 La. Ann. 117, where the promise 
 was made after the commencement of the suit ; New Orleans Bank v. Harper, 12 Rob. 
 La. 231 ; Lacoste v. Harper, 3 La. Ann. 385 ; Glenn i\ Thistle, 1 Rob. La 572 ; Hart 
 c. Long, id. 83, where the plaintiff' had been nonsuited for want of proof of demand at 
 the place where the note was payable, and the indorser promised to pay while a motion 
 for a new trial was pending, the plaintiff's attorney having explained to him the reason 
 of the nonsuit; Union Bank v. Grinishaw, 15 La. 321 ; Bank of U. S. v. Ellis, 13 id. 
 368 ; Williams v. Robinson, id. 419 ; Debuys v. Mollere, 15 Mart. La. 318 ; Walker v. 
 Walker, 2 Eng. Ark. 542 ; Dorsey o. Watson, 14 Misso 59 ; Wilson r. Huston, 13 id. 
 146; Pratte ». Hanly, 1 id. 35 ; Whitaker u. Morrison, 1 Fla 25; S/iarivj/, C. J., Rob- 
 bins V. Piiickard, 5 Smedes & M. 51,70. In the recent case of Salisl)ury r. Remick, 44 
 Mi>. 554, the question has been considered by the Supreme Court of Missouri, and the 
 general rnle confirnieil. The following English cases are authorities to the same jioint: 
 Whitaker v. Morri-^, E-i). N. P. 58; Anson v. Bailey, Bull. N. P. 276; Wilkes v. 
 Jacks, Peakc, 202; Rogers r. Stevens, 2 T. R. 713; Hopes v. Alder, 6 East, 16, note; 
 Luiidic V. Robertson, 7 East, 231, 3 J. P. Smith, 225; Haddock v. Bury, 7 East, 236, 
 note; Stevens r. Lynch, 12 id. 38, 2 Camp. .332; Bnyley^ J., Brett v. Lcvett, 13 East, 
 •J.\'.\\ Pr)ttcr /'. Rnyworih, id. 417 ; Ilopley r. Dufresne, 15 East, 275 ; Taylor v. Jones, 
 •1 Ciiinp. 105; Patterson v. Beclier, 6 J. B. Mortro, 319; Vaieyhnn, B., Pickin v. 
 (;raliam, 1 Croiii]). & M. 725,729; Fletcher*;. Froggatt, 2 Car. & P. 569; Houlditch 
 V. Cnuty, 4 Ring. X. C. 411 ; Mills r. Gibson. 16 Law J., C. P. 219; Killby v. Rochus- 
 Hcn, IHC. H. (.V. S.) 357; Bartholomcu r. Hill, 7 Hurl. .*v Nor. I(i40. 
 
 (»/) MniiHjlrld^ C. J., Borniilaile VI. l^owc. 4 Tmint. !».'! ; Vhiii/Zik/i.^ 15., I'ickin ?'. Gra- 
 ham, 1 ("romp. & M. 725, 728; Spnirn^ ,1., (irillin v. (ioff, 12 Johns. 423; Dnncn?!., 
 J., l^ichtcr r. Sclin, « S. & R. 425, 438. Sec Whilakcr r. Morrison, 1 Fla. 25. 
 
 (o) Sigerson v. MathewH, 20 How. 496. M</,(ini, A. said: "This was an inicon- 
 ditional ]>n>niisc to pay the note, which no onr coiilil niisiindrrsland, and whii'li the 
 defendant could not repudiate at any .sMliscipi'iii pciiod." 
 
 (;;) Anson v. IJailcy, I'.nll. \. I'. 276.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 597 
 
 up tho bill ; (q) a request by the indorser, wlieu called on for 
 payment, for delay, with a promise to pay in a few days ; (/•) a 
 promise to the holder, that the drawer would arrange with the 
 drawee, so that the draft should be paid ; (s) a promise by the 
 drawer, that he would see the bill paid ; (t) a request by the in 
 dorser to tlie holder to sue the maker, witii a promise to pay, if 
 the note could not be collected of the latter ; (w) a promise by 
 the indorser. to pay the note as soon as he could, with a state- 
 ment that he doubted whether he should be able to do it under 
 eight months, but that he should have the amount by that 
 time ; (v) an agreement of the indorser of a note to consider the 
 demand as made in due time, and liimself liable as indorser ; (iv) 
 a promise to pay when it should be in the defendant's power ; (x) 
 when the indorser wished ibr time, and agreed to give security 
 on the plaintiff's request tlierefor, and a subsequent refusal to 
 comply with the agreement ; {//) a promise to pay a part,(s) un- 
 less the drawer expressly limit liis liability to the payment of 
 that part only ; (a) an admission by the drawer, after suit was 
 
 (q) Read v. Wilkinson, 2 Wiisii. C. C. aU. 
 
 (»•) Hopkins v. Liswell, 12 Mass. .52. But in Freeman v. Boynton, 17 id. 48.3, where 
 the indorser complained of the hardship of his ease, but promised to pay as soon as he 
 possibly could, or words to that effect, Parker, J. said, that " the facts reported do 
 not show any direct promise to pay " 
 
 (s) Byram u. Hunter, 36 Maine, 207. 
 
 (t) Hopes V Alder, 6 East, 16, note. 
 
 (u) Lane v. Steward, 20 Maine, 98. 
 
 (v) Rogers y. Hackett, 1 Foster, 100. 
 
 (w) Duryee v. Dennison, 5 Johns. 248. 
 
 (x) Donaldson v. Means, 4 Dall. 109. 
 
 (y) Beck v. Thompson, 4 Harris &, J. 531. 
 
 (z) Harvey v. Troupe, 23 Missis. 538, where the judge, at Nisi Prius, charged the jury 
 that "A promise by a drawer of a bill of excliange, after its maturity, to pay the same, 
 or any part thereof, is a waiver by him of presentment to the acceptor, of demand of 
 payment, and notice of protest." Held correct. Smilli, C. J. said : " A promise to pay 
 generally, or a promise to pay a part, or a part payment made, with a full knowledge 
 that he has been released from liability on the bill by tlie neglect of the holder, will 
 operate as a waiver, and bind the party who makes it for the payment of the whole 
 bill." In Margetson v. Aitken, 3 Car. & P. 338, there was no proof of any notice of 
 dishonor, but after the bill had become due, the indorser offered to pay the plaintiff a 
 composition of eight shillings in the pound. Lord Tenterden expressed an opinion that 
 this dispensed with the necessity of notice. 
 
 (a) Hurvey v. Troupe, 23 Missis. 538, wiiere the bill was fur $ 1,309.25. The drawer 
 paid $2.'J0, promised to pay $900 more, but claimed a credit for some cotton shipped 
 by him to the acceptors. Fletcher v. FroggiUt, 2 Car. & P. 569, where the drawer of a 
 bill for £200, not having received due notice of its dishonor, stated to a witness that
 
 598 NOTES AND BILLS. [CH. XIIL 
 
 commenced, of the justice of the plaintiff's claim ; (b) a state- 
 ment by the indorser, during the pendency of the suit, that the 
 maker had promised to make some arrangement, and that he, 
 the indorser, would pay in the course of a few months ; (c) an 
 acknowledgment of the debt by the drawer, with a promise to 
 pay by instalments, on short time.(f/) The question, what influ 
 ence the usage of banks may have upon the matter of waiver of 
 demand, has. already been considered, (e) as well as the indorse 
 ment of a joint note where the makers live so far apart that a 
 demand on all on the same day is impossible ; (/) or where the 
 indorsement is made so soon before maturity as to render a 
 demand on the very day of maturity impossible. («■) In the fol- 
 lowing instances the promises have been held not to be suffi- 
 ciently clear and distinct to show a waiver. A reply by the 
 indorser, upon being asked what would be done with the note, 
 that it will be paid ; (A) a reply by an indorser, to the question 
 whether he had any defence, that he knew of no defence ; (i) a 
 remark of an indorser to a tliird party, speaking of several bills, 
 that he would take care of them, or see them paid, it not being 
 certain whether the bill in suit was referred to or not ; {J) a 
 
 he did not mean to insist upon want of notice, but was only bound to pay £70 
 Held, that the plaintiff could only recover £ 70. 
 
 (b) Oglesby v. Steamboat, 10 La. Ann. 117. 
 
 (c) Hart V. Long, 1 Bob. La. 83. 
 
 {d) See Union Bank v. Grimshaw, 15 La. 321. 
 
 (e) Supra, ciiaptur on Demand. 
 
 (/) Supra, p. 457, note v. 
 
 iff) Supra, p. 456, note t. 
 
 (A) Creamer v. Perry, 17 Pick. 332. Shaw, C. J. said : "It is a rule of law, that if 
 an indorser, knowing that there has been no demand and notice, and conversant with all 
 the circumstances, will promise to pay the note, tiiis is to be deemed a waiver. But these 
 rules in regard to notice and waiver are to be held with some strictness, in order to insure 
 
 uniformity of practice and regularity in their a])plication In the present case, wo 
 
 are of ojnnion that the evidence falls short of jjroving a promise by the defendant, either 
 
 to pay the note or see it paid The strongest expression used by the defendant 
 
 in tiie (;ourse of a long conversation was, the note will be paid. This is ipiite as con- 
 si^itent with the hypothesis tliat it was a mere assertion of his expectation that it would 
 he paid by t!ic promisor, as of a promise on his own part to pay it; and from the gen- 
 eral tenor of his conversation, wc think it cannot be inferred that it was his intention, 
 knowing of his discharge, to waive his defence, and promise to pay the note, or see it 
 paid at all cvcutn." Contra, Rogers v. St(!vcns, 2 T. 11. 713, where the drawer said to 
 the plaintiff's agent, on being informed that the bill had been dishonored, "It musi be 
 paid." Ijord /\i'iii/on dinxted a verdict for (Iw plaintiff, which was sustained. 
 
 (/) (Jriflin V. (;(.lf, 12, Johns, 423. 
 
 (jj Miller V Ilacklcy, 5 Johns. 375, Anthon, 91. Van Ness, J. said, as reported in
 
 CH. Xni.] EXCUSES FOR WANT OF NOTICE. ^9'd 
 
 statement by the drawer, on being urged by the agent of the 
 holder to give a good bill for the amount of the first bill, 
 which the agent said was unfair, that it would afford him great 
 pleasure to do so, but that he thought it improper ; (k) an an- 
 swer by the indorser of a bill, in reply to a demand, stating 
 that he could not think of remitting till he received the 
 draft, and requesting the holder to return it to the prior in- 
 dorser, if he thought him, the defendant, unsafe ; (/) when the 
 drawer said, I am unacquainted with your laws ; if I am bound 
 to pay the bill, I will ; (ni) when the indorser said to the 
 bailiff, who had arrested him for the debt, that it was true the 
 note had his name on it, but he had security, though he wished 
 for time to pay it.(w) 
 
 Johnson : " I think there was not the requisite evidence of such promise. It ought to 
 have been made out clearly and unequivocally. The defendant only said to a tliird 
 person, when talking generally of all the bills, .... that he would take care of the bills, 
 or see them paid. Whether he used the one phrase or the other is left in doubt ; and 
 if the first phrase was used, it was altogether uncertain whether he meant to be imder- 
 stood that he would resist or would pay the bills. It would be dangerous to fix an in- 
 dorser, without notice, and perhaiis without knowledge, of the laches of the holder, 
 upon such loose conversation with a third person. No case has ever gone so far." 
 
 (k) Sherrod i'. Rhodes, 5 Ala. 683. 
 
 {/) Borradaile v. Lowe, 4 Taunt. 93, where Manajleld, C. J. said: "I do not find 
 any caae in which an indorser, after having been discharged by the laches of the holder, 
 has been held liable upon his indorsement, except where an express promise to pay the 
 bill has been proved. Now the letter of the defendant contains no such express prom- 
 ise, but in a great measure shows that the defendant was writing under a supposition 
 that he was liable, and that the prior indorsers would pay the bill ; for he desires that 
 it may be sent to Trevor & Co., who were the indorsers next in priority; but when he 
 afterwards finds that the case is otherwise, and that the other indorsers would not 
 pay, and that he also was discharged, he refuses, as it was still open to him to do. I 
 cannot consider the letter as conveying an absolute promise to pay at all events, 
 whether Trevor & Co. did or not ; and I think, in this case, it would be too much to 
 fix the defendant by any such implied promise. In most of the cases where the de- 
 fendants have been held liable, they have either made an express promise to pay, or a 
 promise when they had a full knowledge, at the time they were discharged, or where 
 there was a real debt binding in conscience, due from them ; but none of the cases 
 have gone to the extent of making the defendant liable ; and to hold that he wa^, in 
 this instance, would be extending them beyond their fair import." 
 
 (m) Dennis v. Morrice, 3 Esp. 158. 
 
 (n) Rouse v. Redwood, 1 Esp. 1.5.5, where Lord Kenyan said: "When a person is 
 arrested, and at the time ignorant of his rights, or whether he is bound by law to pay 
 the demand or not, and under such circumstances makes any concession, and seem- 
 iu~Iy admits the demand, such admission shall not be allowed to be given in evi- 
 d(;nce to charge him." See Cuming v. French, 2 Camp. 106, note ; May v. Coffin, 4 
 Mass. 341.
 
 600 NOTES AND BILLS. [CH. XIR. 
 
 It has often been said that the promise must not be condi- 
 tional ; (o) but tlie authorities i)i which this doctrine is held df 
 cide only that a conditional promise wliich is unaccepted is not 
 binding. (/?) And we think the rule should be so stated, because 
 if the holder agrees to perform the conditions stipulated, and does 
 substantially carry them out, this would seem to show an intent 
 to waive objection to any laches equally with a direct uncondi- 
 tional promise. (7) Thus, an offer by the drawer to pay by 
 instalments, substantially accepted, has been held binding. (r) 
 
 The following are instances in which a conditional promise, 
 not accepted, has been held not binding. An offer by tlie in- 
 dorser to give his own note, payable in a year, refused by the 
 holder, because he wished an indorser to this note ; (s) an oifer by 
 an indorser to turn out notes ; (t) an offer by an indorser to pay 
 
 (0) See Donaldson v. Means, 4 Dall. 109; Dayton, J., Sussex Bank v. Baldwin, 2 
 Harrison, 487, 495, 496 ; Daniel, J., Moore v. Tucker, 3 Ired. 347. 
 
 (p) In Grain v. Cohvell, 8 Johns. 384, the court said: 'The promise was condi- 
 tional, and not bindinj^, except upon the terms imposed." In the cases cited i'lfru, 
 the offers were rejected. Sice v. Cunningham, 1 Cowcn, 397. In Barkalow v. John- 
 son, 1 Harrison, 397, 403, Hornblower, C. J. said : " The offer made by the dc^'ndant 
 not having been accepted, matters remained in statu quo, and each ])arty stood upon their 
 legal rights." In Kennon i'. McRea, 7 Port. Ala. 175, 184, Collier, C.J. said: "If 
 conditional, the performance of the condition must be proved, before the promise or 
 acknowledgment becomes absolute." See Cuming v. French, 2 Camp. 106,. note. 
 
 (q) Thus it will be seen in the cases cited supra, that the promises were held bind- 
 ing, although conditional. But the conditions were accepted. 
 
 (r) See Union Bank v. Grimshaw, 15 La. 321, 339, where Morphy, J. said: "In 
 defendant's fir»t letter to the plaintiff, after fully acknowledging his obhgation to pay 
 his bills, he proposes to renew them at four, six, eight, and ten months' sight, witli in- 
 terest, under tlie most solemn assurances of payment Nine months after, he writes 
 two other letters in the same sense, asking the plaintiffs' induljjeiu'e on paying ])art, 
 and offering additional security. It is objected, that these propositions of defendant 
 
 were rejected, and that his promises to pay were conditional The defendant's 
 
 propositions, it is true, were not formally accepted, but in consequence of his unquali- 
 fied acknowledgment of the debt, and positive assurances of payment, the plaintiff for- 
 bore to bring suit until the 22d of February, 1838 ; thus granting him a delay of nine 
 months, a greater or more advantageous indulgence than he had asked. It does not 
 appf^ar to us that there is any condition in the defendant's letters ; there is term of 
 }Mtyuifnt, but not a condition. They are two things very distinct; the former ncces- 
 Barily j)resupposing a debt, and the latter not. 'A term,' says Pothier, No. 230 on 
 Ol)ligatiotis, 'differs from a condirion, inasmuch as a condition suspends the ftxjuijc- 
 inc.nt fori/ird by the (if/reemcnt ; whereas a term docs not suspend the engagement, but 
 men-ly postpones the execution of it.' .... Defendant's acknowledgment of the debt, 
 and his promise; to ))ay it, must tlieii be viewed cither as an iidiiiission that the notices 
 were good, or as a waiver of them." 
 
 (.1) Agan )'. M 'Manns, II Johns 180. 
 
 [t] Grain v. Golwell, 8 J(/lms. 384.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 601 
 
 part ill cash, and to give his note for the balance ; (u) an offer by 
 the indorser to give a new note of the same maker, indorsed by 
 him, refused by the holder, who asked the indorser's own 
 note ; (v) an offer by an indorser to give his own note.(t^) 
 
 It seems to be well settled, that a mere promise to pay, al- 
 though direct and unqualified, will not be sufficient to constitute 
 a waiver, where it appears tliat demand was not made nor no- 
 tice given, or where there was actual laches in the acts them- 
 selves. The plaintiff in each case must go further, and prove 
 knowledge, on the part of the party promising, of the facts. (a;) 
 
 («) Barkalow v. Johnson, 1 Harrison, 397. 
 
 {v) Laporte v. Landry, 17 Mart. La. 359, 16 id. 125. 
 
 ((f) Sice V. Cunningham, 1 Cowen, 397. 
 
 (r) Kelley v. Brown, 5 Gray, 108 ; Low v. Howard, 10 Cush. 159 ; Hopkins v. Lis- 
 well, 12 Mass. 52. See Freeman v Boynton, 7 id 483 ; Hunt v. Wadleigh, 26 Maine. 
 271 ; Davis v. Gowen, 17 id. 387 ; Groton v. Dallheim, 6 Greenl. 476 ; Edwards v. 
 Tandy, 36 N. H. 540; Woodman v. Eastman, 10 id. 359; Carter v. Burley, 9 id. 
 558, 572; Farrington v. Brown, 7 id. 271, where an indorser signed an instrument 
 stating that he held himself accountable. Held not binding, because not proved to 
 Iiave been made with knowledge of laches. Otis v. Hussey, 3 id. 346 ; Jones v. Sav- 
 age, 6 Wend. 658 ; Sice v. Cunningham, 1 Cowen, 397 ; Trimble v. Thorne, 16 Johns. 
 152 ; Beekman v. Connelly, cited 16 id. 1.54; Grain v. Colwell, 8 id. 384 ; Sussex Bank 
 V Baldwin, 2 Harrison, 487 ; U. S. Bank v. Southard, id. 473 ; Barkalow v. Johnson, 
 1 id. 397 ; Philips v. M'Curdy, 1 Harris & J. 187 ; Patton v. Wilmot, id. 477 ; Bank of 
 U. S. V. Leathers, 10 B. Mon. 64, 66 ; Moore v. Cofficld, 1 Dev. 247 ; Fotheringham 
 r. Price, 1 Bay, 291 ; Spurlock v. Union Bank, 4 Humph. 336 ; Brown v. Lusk, 4 Yerg. 
 210; New Orleans Bank v. Harper, 12 Rob. La. 231 ; Lacoste v. Harper, 3 La. Ann. 
 385 ; Glenn v. Thistle, 1 Rob. La. 572 ; Harris v. Allnutt, 12 La. 465 ; Tickncr v. Rob- 
 erts, 11 id. 14. But in Walker u. Laverty, 6 Munf 487, the drawer acknowledged that 
 the debt was a just one, and said that he would pay it. The defendant's counsel asked 
 the court to charge the jury, that, unless the acknowledgment was made with a knowl- 
 edge of the facts, it was not to be received. But the court instructed the jury, that 
 the acknowledgment was a waiver of all notes. A judgment for the plaintiff was 
 affirmed. The reasons for the opinion of the court are not stated. It may be, how- 
 ever, that, inasmuch as it was a question of waiver of notice, they proceeded upon the 
 ground that ihe defendant must have known whether he had received notice or not. 
 This case is recognized in .Pate v. M'Clure, 4 Rand. Va. 164; Blesard v. Hirst, 5 
 Burr. 2670. See Goodall v. Dolley, 1 T. R. 712. In Hopley v. Dufresne, 15 East, 
 275, the plaintiff had been nonsuited because the presentment had been made after bank- 
 ing hours, although there was evidence that, after the declaration had been filed, the 
 defendant had applied for an extension of time within which to pay the bill. It did 
 not expressly appear whether the defendant knew, at the time, of the defect in the pre- 
 sentment. " Lord Ellenborotigh, stopping the argument, said that the court thought 
 Uut it should have been left to the jury to say whether, under the circumstances of 
 the case, the defendant had notice, at the time of his application for indulgence, that 
 there had been no due presentation, and therefore made the rule absolute " for a new 
 trial. In Pickin v. Graham, 1 Cromp. & M. 725, the clerk of the defendant, a drawer, 
 VOL. I. 51
 
 602 NOTES AND BILLS. [CH. XTH. 
 
 It has been sometimes said that a waiver cannot be inferred. (2/) 
 But if by this is meant that direct knowledge must be proved, 
 we think it incorrect. Indeed, there does not appear to be any 
 good reason why knowledge may not be proved in the same 
 manner and by the same evidence in this matter as in any other. 
 A jury will be justified in inferring knowledge from a variety of 
 circumstances, such as the situation and connection of the par- 
 ties, the words and acts of the indorser, the time wliich has 
 elapsed between the maturity of the note or bill and the prom- 
 ise, and the like.(s) It would seem that, where the question 
 
 called upoa an indorser the day after maturity ; but before it could bo known that the 
 bill had been dishonored, and after it had been intimated that the acceptor would not or 
 could not probably pay, the clerk said : " If that be so, I suppose there is no alternative 
 but for me to pay the bill ; if you will brinnj it to Sheffield next Tuesday, I will pay it." 
 Held not binding, the defendant having received no notice till several days after matu- 
 rity. The rule, as stated in the text, however, is inconsistent with the language used in 
 some of the cases, where it is stated that a ])roniise to pay will dispense with proof of 
 presentment and notice, and throw on the defendant the double burden of proving laches 
 and ignorance. This point is treated infra, p. 624. So in Schmidt v. RadclifFe, 4 
 Strob. 296, where tlie indorser promised to pay eiglit months after maturity, the maker 
 and indorser residing in the same place, and having frequent business transactions with 
 each other, the court seem to have considered the promise sufficient. 
 
 (y) See Laporte v. Landry, 16 Mart. La. 12-5, 17 id. 359. 
 
 (s) In Martin v. Winslow, 2 Mason, 241, where there had been a delay of seven raontba 
 to demand payment of the note which was payal)le on demand, which is an unreason- 
 able delay under ordinary circumstances. Story, J. charged the jury as follows: -'A 
 promise to pay, with a full knowledge of all the focts, is binding upon the indorser, 
 although he might otherwise be discharged. But if lie i)romise in ignorance of mate- 
 rial facts affecting iii.s rights, it is not a waiver of those rights. The question, then, is, 
 whether the iTidorser in this case had such knowledge. It may be inferred from the 
 connection between the parties, their near relationship, and the deep interest wliich the 
 defendant had in this particular case to ascertain, after the death of the maker, his own 
 responsibiliiy as itidorser. It may also be inferred from the language used by him on 
 this occasion. He did not ol)ject to tiio delay, tiiough lie knew the length of time 
 which had ela|)sed since the note was given. As no objection of tliis sort was made, 
 it leads to the presumption, either tiiat the indorser understood originally that the note 
 was to lie unpaid for a period at least as long, or that, under all the circumstances, he 
 did not deem it an unreasonable delay. He had no ground to presume that any 
 demand of ))ayment was made of the mak('r in his lifetime, and tlio fact that the first 
 known demand was on the administrators, and the first notice given to him after that de- 
 mand, would stronuly lead him to tlie conclusion that there had been no prior demand. 
 And in fact no jirior demand was made. Hut as these are mere presumptions of fact 
 arising from the circumstances, the jury will give them what wcigiit they think theui en- 
 titled to." Si:o tl»o remarks of Ea^tis, J., (-ited hifm, p. 60S, note ;>, where an indorser 
 of II bill, after having had sufficient opportunity to ascertain the circumstances of the 
 presentment, protest, and notice, promised a snbse(|uciit indorser who had taken up the 
 bill to rejjay him, afterwards received the bill from this indorser, proved it in hia Ciwn
 
 CH. XIII. j EXCUSES FOR WANT OF NOTICE. 603 
 
 Wda one of waiver of notice alone, an unequivocal promise on 
 the part of the indorscr or drawer would ordinarily be, at least, 
 prima facie sufficient ; because tlie party must know whether he 
 had received notice or not ; and a promise to pay wlien no notice 
 at all has been given, would seem to show an intent to waive objec- 
 tion to liability on this account. There are autiiorities in which 
 this view seems to be adopted, (tt) but it is inconsistent with oth- 
 
 Tianic against the estate of the drawer wlio had failed, received a dividend upon it, and 
 reUiiiied the bill. Held that he was liable on this promise, unless he could prove it to 
 have been made under a mistake of the facts Martin v. Ingersoll, 8 Pick. 1. In Hop- 
 ley V. Dufresne, 15 East, 275, the facts in which, are cited supra, p. 601, note x, the 
 grounds on which it was contended that the indorser knew that the presentment had 
 been defective appear to have been, that the defendant, an indorser of a bill, applied 
 for an extension after the declaration iiad been filed, which alleged due presentment. 
 Lord Ellenborough appears to have considered these circumstances so far sufficient as to 
 authorize the question of knowledge to be submitted to the jury. In Patterson v. 
 Becher, 6 J. B. Moore, 319, the defendant, a drawer of a bill, appears to have made a 
 promise to the plaintiff's attorney ; and subsequently, on the same day, tlie defendant's 
 attorney wrote a letter to the attorney of the plaintiff, stating that he had waited on the 
 defendant and advised with him respecting the demand; and that, in behalf of the 
 defendant, he offered to give a warrant of attorney for the amount, payable in three 
 months, tlie earliest period that he could, with any degree of certainty, fix for the pay- 
 ment of the same. Although the facts do not show whether there was any presentment 
 or protest, yet the court seem to have decided the case upon the ground that the above 
 facts constituted a waiver of presentment, and not merely presumptive evidence. See 
 Schmidt v. Radcliffe, 4 Strob. 296. 
 
 (a) See the remarks of Washington, J. cited infra, p. 605, note 7. See Walker 
 V. Laverty, 6 Munf. 487, supra, p. 601, note ar; Pate M'Clure, 4 Rand. Va 164; 
 Rogers v. Hackett, 1 Foster, 100, infra, p. 605, note e; Wilkes v. Jacks, Peake, 202 ; 
 Nash V. Harrington, I Aikens, 39, 2 id. 9 ; Ladd v. Kenney, 2 N. H. 340, where the 
 presentment was in due season. Richardson, C. J. said : " In the present case, the de- 
 fendant, when informed, more than four weeks after the note became due, that it had 
 not been paid, made no objection that he had not been seasonably notified, but prom- 
 ised to see the maker, and have the note paid before he returned home. We are of 
 opinion that the jury were ri)<:htly directed to consider such a promise as a waiver 
 of any objection to the notice, and that there must be a judgment on the verdict. 
 See the remarks of Weston, C. J., cited infra, p. 604, note d : of Sliaw, C. J., infra, 
 p. 606, no'e k. In the facts as reported there does not appear to have been any 
 evidence of actual knowledge that no notice had been given. In Fitch v. Redding, 
 4 Sandf. 130, where the defence was want of proof of notice, the drawer of the check 
 apologized for its not being paid, and gave as a reason, that it was not convenient at 
 the time, but promised ro pay it in a few days. Duer, J. said : " As the defendant had 
 r.o funds in the bank upon which the check was drawn, he was not entitled to notice ; 
 and had he been notified, his subsequent promise to pay the check would have been a 
 waiver of the defence." There does not appear to have been any evidence of knowl- 
 idge of want of notice. In Barkalow v. Johnson, 1 Harrison, 397, 402, Hornblower, 
 C. J., after referring to the absence of facts showing knowledge, said that the indorser 
 "knew indeed whether he had or had not received a notice of demand and non-pay
 
 604 NOTES AND BILLS. [CH. XIIL 
 
 ers.(^) 111 the following instances, the finding of the jury, that 
 the defendant had knowledge of the facts, was lield to be justi- 
 fied ; where the agent of tlie plaintiff called on tlie defendant, 
 and informed him that he had neglected to take measures for 
 the collection of the note, and asked him what he should do ; (c) 
 where the drawer of a draft, on being informed of its non- 
 payment, took the draft to obtain payment, and afterwards 
 returned it, saying that he was unable to procure payment ; ((/) 
 
 ment." In Debuys v. Mollere, 15 Mart. La. 318, Mathews, J. said : " This agreement 
 is equivalent to a promise to pay, ajid it only remains to ascertain the legal effect of 
 the promise. The indorser must have known whether he was duly notified of tlie pro- 
 test. If he were not, by promising to pay he waived the advantage whicli such negli- 
 gence would otherwise have given ; if he did not receive regular notice, he is liable 
 under his subsequent promise." See Nash v. Harrington, 1 Aikcns, 39, 2 id. 9 ; Loose 
 V. Loose, 36 Penn. State, 538. 
 
 (6) Triml)le v. Thorne, ! 6 Johns. 1 52. Spencer, C. J. said : " The court never intended, 
 in the various cases which have come before them on this jjoint, to leave it to lie inferred, 
 from the mere fact of the subsequent promise, tliat regular notice had been given, or 
 was intended to be waived. In the case of Beekman v. Connelly, recently before us, 
 we held, that the proof of a promise to pay, merely, without its ap])earing also that the 
 party knew he had not received regular notice, did not dispense with the proof of regu- 
 lar notice. An indorser may believe that due notice has been given, inasmuch as 
 notices need not be personally served, and under an ignorance of the fact, consider 
 himself liable when he is not. It is no hardship on the holder of a bill or note, to re- 
 quire of him proof of regular notice ; but if a party, with a full knowledge of all the 
 facts, voluntarily promises to pay, and waives his right to notice, he will be held to his 
 promise." This case has been overruled by anotlier in the same jurisdiction, and much 
 doubted in others, as will be seen subsequently, but on another point. So Dayton, J., 
 m Sussex Bank v. Baldwin, 2 Harrison, 487, 496, said, that "an admission that notice 
 of the protest had been received through the bank is nothing. It docs not appear 
 w/ien it was received." Hicks v. Duke of Beaufort, 4 Bing. N. C. 229; New Orleans 
 Bank v. Harper, 12 Rob. La. 231 ; Lacoste ». Harper, 3 La. Ann. 385 ; Glenn v. This- 
 tle, I Hob. La. 572; Harris v. Allnutt, 12 La. 465 ; Laporte v. Landry, 17 Mart. La. 
 359, 16 id. 125. 
 
 (c) Siger.son v. Mathews, 20 How. 496. 
 
 {(I) Cram v. Sherburne, 14 Maine, 4S. Weston, C. J. said : "It is insisted that there 
 is no evidence that the defendant knew that the [)laiTitiff had been guilty of laches, and 
 that therefore the judge was not justified in leaving it to the jury to find such knowl- 
 edge. We think otherwise. The defendant knew that no notice had been given to 
 liim that the note was not paid, until a month after it was drawn, although it was pay- 
 able in three days. And liis conduct is evidence that he knew the order had not been 
 demanded at its maturity, for he himself undertook at that time to make the demand 
 for the plaiiitiif t)f the drawer, who declined to pay it. He knew this demand was 
 utircH«onal)l(!, notwitiistanding wliirh he expressly ]jromised the plaintiff to pay him 
 llic amount of the order. Ttn- diiiiaml iriiide by the defendant was either made by 
 him as agent for the |)lainiiir, ilie liolijer, or it is (evidence that he undertook to do it 
 hinist'lf, waiving his right to rciiuirc that it should be done by the plaintiff. And in
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 605 
 
 where the holder testified that the iudorser knew, by a conversa- 
 tion held between them, that no demand had been made ; (e) an 
 acknowledgment of liability by tlie first indorser, coupled with 
 an agreement to pay one Iburth of the note, subsequent to a suit 
 against him by the holders, and judgment obtained after contes- 
 tation. (/) 
 
 In the following instances, the evidence was held not sufficient 
 to show knowledge. A statement by the indorser that he knew 
 that the maker had not paid, and was not to pay the note ; that it 
 was the concern of himself alone, and tliat the maker had noth- 
 ing to do with it; (g-) knowledge that a note had not been paid, (A) 
 because a knowledge of non-payment is not a knowledge of non- 
 presentment ; a statement by an indorser, that he had no depend- 
 
 either case it is evidence, by necessary implication, of a waiver of notice of non-pay 
 meat from the plaintiff" 
 
 (e) Rogers v Hackett, 1 Foster, 100. This was held a waiver of demand and no 
 tice ; nothing appears to be said as to the knowledge, or want of knowledge, of tiia 
 notice not being given. 
 
 (/) Keeler v. Bartine, 12 Wend. 110 In this case judgment had been obtained 
 against the last indorser, and the maker and indorser had agreed that each should pay 
 one fourth of the judgment, and neither party should look to the other for any part so 
 agreed to be paid by him. The second indorser, nevertheless, after payment of his 
 fourth part, sued the first indorser for the amount, and recovered, because there was 
 no consideration for the agreement. It was in this last suit tiiat the defendant was 
 presumed, from the facts, to have had knowledge of laches, and demand and notice, if 
 any existed. 
 
 (g) Thorntons. Wynn, 12 Wheat. 183, 188. Washington, J. said: "These decla- 
 rations amounted to an unequivocal admission of the original liability of the defendant 
 to pay the note, and nothing more. It does not necessarily admit the right of the 
 holder to resort to him on the note, and that he had received no damage from the want 
 of notice, unless the jury, to whom the conclusion of the fact from the evidence ought 
 to have been submitted, were satisfied that the defendant was also apprised of the 
 laches of the holder, in not making a regular demand of payment of the note, by which 
 he was discharged from his responsibility to pay it The knowledge of this fiict formed 
 an indispensable part of the plaintiff's case, since without it, it cannot fairly be inferred 
 that the defendant intended to admit the right of the plaintiff to resort to him, if, in 
 point of fact, he had been guilty of such laches as would discharge him in point of 
 law. For anything that apjji ared to the court below, from the evidence stated in the 
 bill of exceptions, the admissions of ihc defendant may have been made ujion the pre- 
 sumption that the holder had done all that the law required of him, in order to charge 
 the indorser. That due notice was not given to the defendant, he could not fail to 
 know ; but that a regular demand of the maker of the note could not be inferred by 
 the court from the admissions of the defendant." 
 
 (A) Low V. Howard, 11 Cush. 268, where a charge to a jury, that a promise to pay, 
 with full knowledge that the note had not been paid nor notice given, was a waiver of 
 (k-m.-mil and notice, was held incorrect 
 51 *
 
 606 NOTES AND BILLS. [CH. XIII 
 
 ence on the maker to pay the note, that he nnderstood that the 
 note was lying over unpaid, and he expected it would have been 
 sent on for collection before ; (i) the fact that the drawer has in- 
 cluded the demand in an account for liis creditors, in an applica- 
 tion for his discharge in insolvency. (j) 
 
 Although it is clear that a promise to pay, with knowledge that 
 no demand has been made nor notice given, is sufficient to con- 
 stitute a waiver ; yet it is still open to the defendant to prove that, 
 although he knew these facts, the promise was made in ignorance 
 of other material circumstances, whicli, if he had known, would 
 have prevented him from making the promise. (A:) Tims, where 
 the holder gave up the indorsed note to another party, receiving 
 his in return, under circumstances showing that the latter note 
 was taken in payment of tlie former, or under circumstances 
 which would discharge the indorser, and subsequently took back 
 the former, the latter behig mipaid, a promise by the indorser to 
 pay, in ignorance of these circumstances, was held not bind- 
 ing. (/) 
 
 (i) U. S. Bank v. Southard, 2 Harrison, 473. Nevhis, J. said : " Suppose he did not 
 expect that the maker would pay the note, this would not absolve the holders from 
 their oblifration to make the demand ; and suppose it to be true that he was informed 
 that the note was laying over unpaid, this was no evidence to him that it had been 
 duly demanded of the maker; and his expectation that it would before have been sent 
 on for collection does not prove that he knew that he was discharged by the hvches of 
 the holder." 
 
 (./) Jones V. Sava<,re, 6 Wend. 6.58. 
 
 {k) Low V. Howard, 10 Cush. 1.59, where the judge at Nisi Prius charged the jury 
 that, thougli it was generally true that a promise by an indorser to pay the note, when 
 there had been no demand, and no notice of its dishonor, would be held to be a waiver 
 thereof, if these facts were known to him ; yet the rule would not apply to a case where 
 other material circumstances existed, the knowledge of which was esscniial to a full 
 understanding of liis rights and obligations. Sluiiv, C. J. said : " AVe think the diree- 
 tions were right. The legal foundation of the doctrine of waiver is, that a party know- 
 ing his rights voluntarily consents to forego them Knowledge of all the material 
 
 facts on which those rights depend is essential to a valid waiver. The legal liability of 
 an indorser is conditional on demand and notice. But the condition is one made for 
 his l)cnc(it ; and therefore he may waive it. Jf ho is satisfied that demand and notice 
 would b(! of no benefit to him, it is quite natural that he should waive them. In gen- 
 eral, if he knows there has been no demand and notice, niid yet promises to pay, it is 
 strong evidence of waiver. But if there bo other facts which might tend to influence 
 his JudgincMit. known to the holder, but not to the inilorscr, then his promise to pay is 
 not conrliisive evidence. Here, then, were facts alleged to be material, and if true, were 
 90, find they Were left to the jury with proper directions, who found a verdict for the 
 def<;ndant, and therefore allirmed the truth of I he facts." 
 
 (/) Low r. Howard, 10 (^'ush. I5'J. The facts in this case were as follows. The hold^.r
 
 CH. Xin.] FA'CUSES FOR WANT OF NOTICE. 607 
 
 It lias been held bj some authorities, that a promise to pay by 
 the indorser, in ignorance of the fact that the circumstances 
 known to him would discharge him in law, was not binding; or, 
 in other words, that a promise to pay in ignorance of law was of 
 no effect. (w) But this has been repudiated, (w) and with reason, 
 
 of tlie first note went to the parties in whose employ the maker was, to endeavor to 
 obtain payment out of what they might be owing the maker. They took this note and 
 gave their own for the same amount, payable at the same time, which the holder 
 received as a receipt for the first. They owed the maker at the time, showed him the 
 note, and with his consent agreed to charge it to him. The makers of the second note 
 became insolvent, and there had been no settlement between them and the maker of 
 the first. The holder then took back from the makers the first note, giving up the sec- 
 ond. Before the time of the last transfer, one of the makers, who had obtained posses- 
 sion of the second note, had erased his name therefrom, but put it upon the note agaiiT, 
 at the suggestion of the holder, who made a verbal agreement that he should never be 
 called on for payment. 
 
 (w) Warder v. Tucker, 7 Mass. 449, where the court said : " And although the 
 defendant, when he first received notice from the plaintiffs of the protest of the bill, 
 considered himself as liable by law to pay the plaintiffs the amount of it, yet his igno- 
 rance of the law shall not bind him to fulfil an engagement made through mistake 
 of the law." In Freeman v. Boynton, 7 Mass. 48.3, Parker, J. said : "Nor will any 
 supposed acknowledgment of the indorser, that he was liable to pay the note, avail the 
 plaintiffs in the present case. The facts reported do not show any direct promise to 
 pay, and even if they did, it is well settled that a promise under such circumstances as 
 show an ignorance that the party was legally discharged is without consideiation and 
 void." Fleming v. M'Clure, 1 Brev. 428. See Spurlock v. Union Bank, 4 Humph. 
 336. In Miller v. Hackley, Anthon, 68, Thompson, J. said : " That a promise may 
 amount to a waiver in a case like the present, enough must appear to render it justly 
 presumable that the defendant at the time knew the fact of the want of notice, and 
 also knew his legal rights." See Chatfield v. Paxton, 2 East, 471, note a. 
 
 (n) Ladd v. Kenney, 2 N. H. 340. Cowen, J , in Tebbetts v. Dowd, 23 Wend. 379, 
 386, said : " This notion has long since been exploded." In Richter v Selin, 8 S. & R. 
 42.5, 438, Duncan, J. said : " His ignorance of the law would not render the promise 
 void. For if, with knowledge of the ftict of demand not having been made, he makes 
 a promise under the supposition that he will be still liable at law, it will be valid." So 
 in Kention v. M'Rea, 7 Port. Ala. 17.5, 184, Collier, C. J. said: "And it will make no 
 difference that a promise or acknowledgment was made under a misapprehension of 
 the law ; for every man must he taken to know the law ; otherwise, a premium is held 
 out to ignorance, and there is no telling to wiiat extent this excuse might be carried." 
 farr. J., Pate t). M'Clure, 4 Rand. Va. 164, 170. See Schmidt t; Radcliffe,4 Strob. 296 ; 
 Bilbie v. Lumley, 2 East, 469, where " Lord Ellenhorongh, C. J. asked the plaintiff's 
 counsel whether he could state any case where, if a party paid money to another vol- 
 untarily, with a full knowledge of all the facts of the case, he could recover it back 
 again on account of his ignorance of the law. No answer being given, his lordship 
 continued The case of Chatfield v. Paxton is the only one I ever heard of, where 
 Lord Kenyon, at Nisi Prius, intimated something of that sort. But when it was after- 
 wards brought before this court on a motion for a new trial, there were some other cir- 
 cumstances of fact relied on, and it was so doubtful, at last, on what precise ground 
 the case turned, that it was not reported." Stevens v. Lynch, 12 East, 38, where the
 
 608 NOTES AND BILLS. [CH. XHl 
 
 for there are no good grounds for maintaining that tlie case of 
 waiver is an exception to the sound maxim, tliat ignorance of law 
 is an excuse for no one. 
 
 The subject of part payment after maturity has been con- 
 siderably discussed with respect to the question of waiver, 
 and the cases are not entirely in unison. It would seem to 
 be settled, that a mere part payment, with knowledge, is a 
 waiver ; (o) but some authorities would appear to hold that part 
 payment alone is sufficient evidence of a waiver, without proof 
 of knowledge, (;?) which doctrine is inconsistent with other au- 
 
 court said, on Chatfield v. Paxton being referred to : " The court considered those cases 
 fb have proceeded on the mistake of the person paying the money, under an ignorance 
 or misconception of the facts of the case ; but here the defendant had made the prom- 
 ise with a full knowledge of the circumstances, three months after the bill had been 
 dishonored, and could not now defend himself upon the ground of his ignorance of the 
 law when he made the promise." See also Morgan v. Feet, 32 111. 281 ; Hughes v. 
 Bowen, 15 Iowa, 446; Alatthews v. Allen, 82 Mass. 594. 
 
 (o) Sherer v. Easton Bank, 33 Penn. State, 134, where the notice was delivered to 
 the indorser at the proper time, but it stated the demand to have been made two days 
 before maturity. The demand was regular. The note was for $ 1,600, of which $500 
 had been paid. Strong, J said : " We come, then, to the inquiry whetiier the court 
 trred in instructing the jury that ' there was evidence of what dispensed with notice to 
 the indorser,' and ' that, if they believed the $ 500 was a payment by the defendant, it 
 dispensed with the necessity of proving demand and notice to him, and that it was an 
 acknowledgment of the liability created by the indorsement.' The defendant com- 
 plains of this for two reasons : first, that it was an invasion of the province of the jury. 
 .... That a subsequent promise to pay the note by an indorser, who has full knowl- 
 edge of all the facts, amounts to a complete waiver of the want of due notice, is well 
 
 settled, and settled as a matter of fact. So docs apart payment If, then, payment 
 
 of part of a note is, in law, a waiver of notice of disiioiior, and not mere evidence of 
 notice, the court in this case withdrew nothing from the jury upon which they had a 
 right to pass. Tlie legal effect of a given state of facts is always for the court. It was 
 submitted to the jury to find whether the defendant made the payment. If he did, the 
 fact that he made it with full knowledge of the circumstances was proved, and was not 
 controverted. All the rest was a legal conclusion." Harvey v. Troupe, 23 Missis. 538. 
 
 {p) In Kead v. Wilkinson, 2 Wasli. C C. 514, Washington, J. charged the jin-y, that 
 " The want of funds in the hands of the drawee, the drawer's payment of part of it, 
 and his subsequent acknowledgment of the debt, and promise to send funds to take it 
 up, arc cither of them sufficient to dispense with notice and protest." In Levy v. 
 Peters. 9 S. & R. 125, Til(/hman, C. J. said : " Whenever the drawer acknowledges himself 
 to be liable to payment, the necessity of proving a demand of the drawee, and his refusal 
 to pay, and notice to the drawer, is disjiensed with. Because such acknowledgment 
 carries with it internal evidence that the drawer knew that due diligence had been 
 Uhcd by the holder, or even if it luid not, that still the drawer confessed that ho was 
 under an obligation to pay. Ami it is immaterial whether tlierc be proof of an ex- 
 press promise to pay, or of otlicr rMi-cnmst.'inces from which it can be inferred that the 
 drawer acknowledged himself liable ; and I take it that |)ayment of part is such a 
 r-irr-umsiuiicc. And then; i- j^ood reason for it. For why should part be p:iid iiiilesa
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 609 
 
 thorities.(7) Part payment may certainly be explained ; as, for 
 instance, by the fact that tlie indorser paid it with money which 
 he had received from the maker for that express purpose. (r) 
 
 5. By whom the Waiver is made. 
 
 In order to make a waiver effectual, it should be the act of the 
 indorser himself, or of his duly authorized agent ; because no 
 person can waive another's riglits.(5-) Thus, it is no excuse for 
 a failure to make a proper demand, as regards an indorser, that 
 the maker told the holder, a few days before maturity, tliat it 
 
 the payer acknowledged the obligation of paying the whole'?" Curtiss ?\ Martin, 
 20 III. 5.57, where the judge, at Nisi Prius, charged the jury that the payment by the 
 drawer, if proved, of any part of the bills after they fell due, was a waiver of present- 
 ment to the drawee for acceptance and payment, and notice of non-acceptance and 
 non-payment. Held correct. See Whitaker v. Morrison, 1 Fla 2.5, 34, where Haivkins, 
 J. said : " The part payment of a note, not explained or qualified by any accompany- 
 ing circumstances, will be held to be sufficient evidence of waiver of notice." In Wil- 
 liams V. Robinson, 13 La. 419, the drawer of a bill paid a part, and subsequently, on 
 being asked for the balance, said it was a third of exchange, and if he had examined 
 it he would not have paid what he did on it, adding, that at the time the bill was 
 given it was a<irecd that it should be paid in the place where it was drawn. Eustis, J. 
 said : " From these facts it would be left to a jury to infer whether the partial payment 
 was or not made with a knowledge on tlie part of the drawer of the want of de- 
 mand, protest, and notice. The knowledge may be inferred from the circumstances 
 attending the payment. The reason for the drawer refusing to pay the balance due on 
 the bill is placed on grounds entirely independent of his knowledge of the state of facts 
 
 which would exonerate him We consider the law as settled, that a subsequent 
 
 promise to pay a bill or note, or a part payment thereof, must be made with full 
 knowledge of the facts of a want of due diligence on the part of the holder, but that 
 affirmative proof of the knowledge is not required. It may be inferred from the 
 promise or payment under the attending circumstances." 
 
 (q) Spurlock (-. Union Bank, 4 Humph 336, where there was a part payment and 
 an acknowledgment of liability. The court seem to have proceeded upon the ground 
 partly, that knowledge was not proved, and partly, that the indorser was ignorant of 
 the law. See the remarks of Eustis, J., cited supra, note p. 
 
 (r) Whitaker v. Morrison, 1 Fla. 25. Hawkins, J. said : " There was no evidence 
 showing a promise of payment on the part of the indorser, and the bare fact of his de- 
 livering the money is not enough. As to this the indorser seems to have acted as the 
 mere agent of the maker, and it would be at variance with all ideas of justice, ex- 
 plained as the occurrence is, that the indorser, acting in the capacity of an agent sim- 
 ply, should be rendered subject to legal liabilities, by the virtual act of his principal." 
 The indorser who has paid the whole of a note in ignorance of laches, may recover the 
 amount of the party to whom he paid it. Garland v. Salem Bank, 9 Mass 408. 
 
 (s) In May v. Boisseau, 8 Leigh, 164, 180, Tucker, P. said : '• What is the principle 
 on which notice is waived 1 It is, that the consequences of neglect to give notice may 
 be waived by the person entitled to take advantage of them. The act, then, which is 
 to operate a waiver must be the act of the indorser himself It would be a solecism 
 *X) permit the act ot another to waive his right of insisting upon notice." 
 
 Vol. I.— 2
 
 1 
 
 610 NOTES AND BILLS. [CH. XIII. 
 
 Avas no use to present the note, because it could not be paid.f^) 
 Such evidence, in fact, is inadmissible. (») But if a waiver of de- 
 mand and notice is written on the bill or note when it is made, an 
 indorser is affected by it, and made liable by the dishonor of the 
 paper. (tnt) A promise to pay made by one partner, after dissolu- 
 tion, although binding upon him, has been held not to bind the 
 other partners.(t') An offer of composition by the acceptor, not 
 acceded to, with a declaration in the presence of the drawer and 
 holder, that he, the acceptor, had not provided for them, and should 
 not do so, has been held to be no Avaiver of demand and notice. (m') 
 Where there is a written waiver of notice on the back of the note, 
 immediately followed by two indorsements, one under the other, the 
 waiver is the several act of the first indorser, and not that of the 
 second. (a;) Notice may be given to one joint indorser, and the other 
 may have waived it, and the effect of the waiver by the latter is an 
 acknowledgment of the joint liability. (?/) 
 
 6. To tfhom the Waiver is made. 
 
 With regard to the jierson to whom the waiver should be made, 
 it Avould seem to be settled, that a |)romise to a third party, uncon- 
 nected with and uninterested in the note or bill, is no evidence 
 of waiver ^{z) but a promise to the holder himself has been held 
 to enure to the benefit of a party who subsequently takes up the 
 pa])er,(o) and an agreement betwCXen the maker and the indorser, 
 
 (t) Lee Bank v. Spencer, 6 Met. 308. 
 
 (h) Pierce v. Whitney, 29 Maine, 188. 
 
 {nu) Lowry v. Steele, 27 Ind. 168. 
 
 (v) Hart v.'Lon'x, 1 Roh. La. 83. See Bank of Vergennes •?;. Cameron, 7 Barb. 143; 
 and si/pra, pp. 144—146. 
 
 (?/,') Kx parte Hi^inold, 2 Mont, it A. 6.33. 
 
 (-x) Central Bunk r. Davis, 1<.» Pick. 37.'i. 
 
 (?/) Slicrcr V. Kaston 15aiik, 3;? IVnn. State, 134. 
 
 (2) Olendorf v. Swartz, .5 Calif. 480; .Tervey »'. Willnir, 1 Bailey, 453. See Alhvood 
 V. Haseldon, 2 id. 457; Miller v. Ilackley, 5 Johns. 375, Anlhoti, 91, sitpru, ]i. 599, 
 note j. 
 
 (a) Kennon v. M'Rea, 7 I'nrt. Ala. 175; Rogers v. Ilarkett, 1 Foster, UK), MJicrc 
 flilrhrisl^ C. J. said: "'riicrc is nolliing in the case (Roherts v. I'eake, 1 Hiirr, 323) 
 citc<i, which supports the doctriric that a |iroinise to pay a note made l>y the indorser 
 to the holder could nut lie t;ivon in evidence hy a snlisci|iieiit indorsee, in a suit aj^ainst 
 the first indorser. No reasoti occurs to u.s wliy the ijhiintiff should not avail liimself 
 of the evichiuce. An indorser may waive sucli a defence, or not, as he sees (it. After 
 having waived it, and siirrendercil it, upon wliat ])riiiciple can he reclaim it ? He 
 cannot rely ujion this defence as existing, or as iidii-existing, as his caprice or his 
 interest nuiy dictate. 'I'liere is tio nee(i of considering the (|ucstion wliether it could lie 
 trimsfcired liy inddrseinenl |o the plaintilf, tor iiegoliMliility or non-negotiahility cannot 
 he j)redicaled of it. All ihat can he siiiil of the nuiller is, that the )iarty hns wai\ed his 
 defenie, and therefore cannot avail liimself of it." See also I'oUer v. Rayworth, 13 
 Ku«t, 417, itij'r", p. 614, note I.
 
 CH. Xm.] EXCUSES FOR WANT OF NOTICE. 611 
 
 whereby tlie latter is to take up the note, will enure to the l)ene- 
 fit of an indorsee in an action against the indorser,(6) as will an 
 engagement betvv^een the maker and indorser to extend the time 
 of payment. (c) And wherever the indorser takes security under 
 such circumstances as will amount to a waiver, this must be con- 
 sidered, we think, as a holding out to whatever person may own 
 the bill, that he is the proper party to pay it, and the. one prima- 
 rily liable, (c/) 
 
 There are a few authorities in which the doctrine that a prom- 
 ise to pay, after maturity, with full knowledge of laches, is held 
 not binding because without consideration. (e) Although this is 
 not now law, yet we think that the objection has certainly some 
 weight.(/) As soon as the holder neglects to take the steps re- 
 quired by law to fix the drawer or indorser, from that moment his 
 liability is at an end. The contract which he entered into, and by 
 which he agreed to be bound, is broken, and he is discliarged. 
 How then can he be made liable, except by a new and indepen- 
 
 (6) Marshall v. Mitcliell, 35 Maine, 221. But in Baker i\ Bireh, 3 Camp. 107, where 
 the acceptor, a few days before maturity, told the drawer that he should be unable to 
 pay the bill, requested the drawer to take it up, and gave him part of the amount, 
 and the drawer received the money, and promised to take it up, it was lield that the 
 latter might set up in defence a want of due presentment and notice ; but that the 
 money received was money had and received to tiie plaintiff's use. 
 
 (c) Williams v. Brobst, 10 Watts, 111. 
 
 (rf) In Curtiss v. Martin, 20 111 ^57, supra, p 609, the party wlio took the security 
 was held entitled to avail himself thereof, as a waiver as to liim. 
 
 (e) Lawrence v. Ralston, 3 Bibb, 102. See May v. Coffin, 4 Mass. 341 ; Chase, 
 C. J., Beck T'. Thompson, 4 Harris & J. .531 ; Donelly v. Howie, Hayes & J. 436, 
 where Joi/, C. B. said : " Either the judges have been inaccurate in the language they 
 have used, or they have been inaccurately reported, or there has been a fluctuation of 
 
 opinion upon this subject I confess I cannot conceive what is the meaning to be 
 
 attributed to the word ' waiver,' when used in a case like the present, where the defend- 
 ant has been absolutely discharged by the neglect of the plaintiff. He may waive the 
 communication of a fact ; but I do not understand how he can waive the existence of 
 the fact. The law requires that the bill should be presented to the acceptor, when it 
 becomes due, even though the acceptor be a bankrupt ; and in my opinion it would be 
 very prejudicial to the mercantile interests of .the country, were we to fritter away the 
 known rules of law, by establishing this new-fiingled doctrine of waiver. The ten- 
 dency of the modern decisions of courts of justice is to avoid new distinctions, or 
 "xtending those which have been already introduced ; and to decide cases according to 
 the old, well-known rules of the law. Nor is there any pretence for saying that there 
 is a moral obligation on the defendant, (an indorser.) to pay this bill, whereby the prom- 
 ise might be supported ; for the plaintiff, by his own neglect, has discharged every per- 
 son, except the acceptor of the bill." 
 
 (f) Mr. Justice Story, Prom. Notes, § 275, has expressed an opinion to the same 
 effec-
 
 512 NOTES AND BILLS. [CH. XIH. 
 
 dent contract, which requires, hke all other contracts, a consider- 
 ation to. support it ? The case is not analogous to those where a 
 new promise is relied upon to remove a statutory bar to the rem- 
 edy, and in which the debt itself, in theory, still exists, while all 
 means of enforcing it are removed ; because there is no debt 
 either in theory or in fact. It is not unlikely that the cases by 
 which the doctrine was first established arose with reference to 
 tiie liability of drawers of bills, where the drawer received the 
 money originally, and was, in fact, morally bound to pay ; and 
 the cases result from the doctrine, now repudiated, that a moral 
 consideration is sufficient to support an express promise. (^) 
 There is another objection which has been urged, but which rests 
 upon far less secure foundation, that the promise, if by parol, 
 is within the statute of frauds, being a promise to pay the debt 
 of a third party, which is required to be in writing, and is con- 
 sequently void. (A) This objection has, however, been held well 
 taken, where the action was brought on the promise, and not on 
 the note.{i) 
 
 It has been said that the doctrine applicable to waiver of 
 notice of the dishonor of bills of exchange does not apply to 
 promissory notes. But the distinction is not clearly pointed 
 out.(j) 
 
 7. Presumptive Evidence in Reference to Waiver. 
 
 In our discussion of the subject of waiver, we have endeav- 
 ored to confine our remarks to instances where it appears, either 
 expressly or by implication, that no demand had been made or 
 notice given, or where there were express laches. The same 
 facts and circumstances are now to be considered in another 
 
 [n) In Hopes r. AIcUt, 6 Kast, 16, note, the counsel for the plaintiff nrj^ed that "the 
 iiul)ser|ui-nt promise to pay, for which there was certainly an equitable consideration, 
 put an end to any doubt. (Jibbs, cnnirn, admitted that thi.s la.st ol>je(rtion was decisive." 
 Cowen. J., in 'J'ebbctts v. Dowd, 23 Wend. 379, 382, after citin<i: this remark, said : 
 " In short, the force of the promise stands on what is often called in the books, by a 
 laiitudinary mode of expression, t\w consideration of moral olilijjration ; a phrase which 
 can never be judicially understood in its broail ethical sense, as it sometimes has been, 
 wiilu)iit subverting; the lej,'al notir)n of a consideration It means no more than a legal 
 liability Kuspeniled or barred in some technical way short of sii!)staiitial satisfiction " 
 
 (/i) This objection was expressly overruled in IJ. S. Hank v. Southard, 2 Harrison, 
 ♦73, which was an action on the note itself 
 
 (/) I'eiibody ». Harvey, 4 ('onn. 119. 
 
 (J) Thomjmon, C. J., in At;iin v. M'Maniiti, 11 Joiiiis. 180.
 
 CH. Xm.] EXCUSES FOR WANT OF NOTICE. 613 
 
 view, and in a totally different connection. There is a verj 
 nunierons class of cases on the subject, how far a jjromise'to pay, 
 or other circumstances, such as the acts or words of the drawer 
 and indorser, go to prove that they have received notice, or are 
 evidence tiiat a projjcr demand lias been made and notice given. 
 In many of the books on the subject, and in fi-equent instances 
 in the authorities, the distinction between the two classes of 
 cases is ignored, and cases and principles applicable to the 
 one are cited as authorities, or applied to the facts, in the 
 other. So tliat the law is in a state of much confusion and un- 
 certainty. (/f) It is also to be observed, that, from the facts as 
 reported, there is frequently much uncertainty whether there 
 were laches or not, and it is equally uncertain upon what prin- 
 ciples the cases were decided. We will first consider the rules 
 of law laid down by the English authorities witli respect to 
 presumptive evidence in qnestions of this kind ; and we may 
 remark, that, although the English law seems, generally, to be 
 more strict in its requirements of proof of demand and notice 
 than the American law, yet, on the point of presumptive evi- 
 dence, the former would appear to be mucli more lax than the 
 latter, and in some instances, we think, unjustifiably so. 
 
 There are several cases which liold that a mere acknowledg- 
 
 {k) Tlie ablest discussion to be found in tlie reports, and the only one where the 
 principles and cases have been thorouf^hly treated, is the masterly opinion of Cowen, 
 J, in Tebbetts v. Dowd, 23 Wend. 379, whicii will well repay perusal. The learned 
 judge said, on the (loint now under consideration, p. 387 : " In speakin<r of this 
 bead, I shall hereafter, for the sake of brevity, call it ' waiver,' and I must again 
 repeat, tliat it is entirelj' distinct from, and founded on, a state of facts opposed to 
 another ground, on which I think the judgment of the court below still more clearly 
 sustainable than tiiat of waiver. I mean the ground that, where no laches appear in 
 proof, the promise, or other equivocal act of the drawer or indorser, shall be received as 
 prima facie e\\AcncQ that there were no laches; that presentment, protest, notice, &c. 
 were in fact made or given, the promise, &c thus coming in place of the ordinary 
 direct proof of those facts. It is necessary to adhere with great strictness to the dis- 
 tinction, inasmuch as all the treatises I have seen on bills of exchange or notes con- 
 found «vi/i;e?- with {he opfiosite proimd. They state both these grounds together, as .if 
 they belonged to the same head, often citing cases in respect to one ground which 
 belonged to the other; thus introducing a degree of confusion into this branch of the 
 law to which the decisions give no countenance whatever ; nay, to which they stand 
 directly opposed. And this brings me to the second general head, — presumptive evi- 
 dence." As to the latter remark concerning the authorities, we shall see that the 
 learned judge is incorrect, because we find the courts, even in the same jurisdiction, 
 applying the ])rinciples applicable to presumptive evidence at times, and again decid- 
 /ng in a way which, by no method, can be reconciled with them. 
 
 VOL. I. 52
 
 614 NOTES AND BILLS. [CH. XHl. 
 
 meut ot liability, or a promise to pay, after maturity, by a 
 drawer or iiidorser, is sufficient evidence l)y which a jury may 
 infer protest, demand, or notice, (/) and also a presentment at the 
 
 (/) Wood V. Brown, I Stark. 217, where the plaintiff, instead of proving notice, &c., 
 gave in evidence a letter of the defendant, a drawer and indorser, stating that tiie bill 
 would be paid before the next term. Held sufficient. Taylor v. Jones, 2 Camp. 105, 
 where the indorser of a note two years after maturity promised to pay, but asked for 
 further time. Held sufficient evidence of ]3rcsentment and notice. Gibbon v. (^oggon, 
 id. 188, where the drawer of a foreign bill, on demand being made, said that his affiiirs 
 were much deranged, but that he would be glad to pay as soon as his accounts with his 
 agent were cleared. Held evidence of protest and notice. Lord Ellfinboruiu/li said : 
 " By the i)roniise to pay, he admits his liability ; he admits the existence of everything 
 which is necessary to render him liable. When called upon for payment of the bill, 
 he ought to have objected that there was no protest. Instead of that, he promises to 
 j)ay it. I must, therefore, presume that he had due notice, and that a protest was regu- 
 larly drawn up by a notary." Greenway v. Hindley, 4 Camp. 52, where the evidence 
 of presentment, protest, and notice of a foreign bill was a statement by one of the 
 drawers that the bill was regular, that it was due from him and his partner, and that 
 he hud come to make art arrangement for its payment, with interest. Presentment, 
 protest, and notice were alleged in the declaration. Lundie v. Kobertson, 7 East, 231, 
 3 J. P. Smith, 225, where the indorser of a bill promised to pay it if the holder would 
 call again with the account. Held evidence of presentment and notice. Potter v. 
 Ray worth, 13 East, 417, where an indorser's promise to pay to a subsequent indorsei 
 was held evidence of notice, in an action by an intermediate indorser. Lord Ellen- 
 borough, C. J. said : " Whether the promise to pay was made to the plaintiff, or to any 
 other party who held the note at the time, it was equally evidence that the defendant 
 was conscious of his liability to pay the note, which must be because he had due notice 
 of the dishonor." Sec Patterson v. Becher, 6 J. B. Moore, 319, supra, p. 603, note z; 
 Hicks V. Duke of Beaufort, 4 Bing. N. C. 229, 5 Scott, 598, where the drawer of a bill 
 said: " If the acceptor dues not pay, I must; but exhaust all your influence witli the 
 acceptor first." The drawer afterwards directed the holder to raise money on his life and 
 that of the acceptor, but the negotiation was afterwards broken off. Held evidence by 
 which the jury might or might not infer notice. Piirke, B., Burgh v. Legge, 5 M. & W. 
 418, 419 ; Campbell t). Webster, 2 C. B. 258, where letters from the drawer of a foreign hill 
 containing an admission of liability, or a promise to pay, though conditional as to the 
 mode of payment, were held presumptive evidence of protest and notice. See Metcalfe 
 V. Richardson, 1 1 id. 101 1, where the drawer of a bill remarked to the holder's clerk the 
 (lay after maturity, — the latter having said that tlie bill had been duly presented, and 
 that the accejitor could not pay it, — that he would see the holder about it. Held, that 
 it was pro|)erIy left to the jury to infer from the conversation that the drawer had duo 
 notice. In Norris i;. Salomonson, 4 Scott, 257, the only evidence of notice to the 
 drawer was the testimony of a witness that the defendant said to him, in reply to an 
 inquiry whether he was aware or not that the bill had been dishonored, "Yes, I have 
 Iiad a very civil letter on the subject from Mr. Gunnell, an intermediate indorsee, and I 
 will call and arrange it." Held sufficient evidence of notice. Brownell v. Bonney, 1 Q. 
 B. 39, where the drawer of a bill was tolil that a Kiibsequcnt indorser had been sued on 
 the bill, and that as lie, the (h.'fendant, had icccivcd ihc ca-^h, and knew, the day before 
 tiiiiturity, that the liill would not be jjaid, he ought to pay it. Tht^ defendant re])lied, 
 that he should not avail himself of the informality of the notice, but would pay the 
 bill. Held evidence by which the jury might infer due notice. Parkr, B., Buigh o-
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 615 
 
 place where the bill is payable. (w) The reason for this is, that 
 it is an admission against interest ; that it is liighly improbable 
 that a party, knowing, as must be supposed, his legal liability, 
 and what will constitute a discliarge of that liability, should 
 admit it, or promise to pay the debt, unless all the proper meas- 
 ur(;s had been taken to cause tiiat liability to attach. Among 
 other circumstances which have been held to be presumptive 
 evidence of demand and notice are part payment, without ob- 
 jection to any want of, or informality in, the presentment and 
 notice ; (n) an offer to pay a part,(o) or to pay by iustal- 
 
 Legge, 5 M. & W. 418, 419. Iii Jones ». O'Brie.f, C. B. 1854, 26 Eng L. & Eq. 283, 
 the proof was, that the witness could not state positively that he had given proper 
 notice, l)ut produced a note from the defendant, a drawer, saying that he would see the 
 bill arranged. The latter subsequently promised to give a judgment for the amount. 
 The defendant testified that, to the best of his belief, he had no knowledge of dishonor 
 until a fortnight after maturity. The judge told the jury that they must arrive. at the 
 conclusion that notice was given the day of maturity : that this might be proved by a 
 promise to pay the bill ; but if they believed the defendant, that they should find for 
 him. A verdict for the plaintiff was sustained. Chapman v. Annett, 1 Car. & K. 552, 
 seems opposed to these cases. There was no evidence of notice, but the defendant 
 bad said that he would try to get the acceptor to pay the bill ; that he would call and 
 have the matter arranged ; and that he would have the bill taken up. There was a 
 book kept bj' the plaintiff, in which entries of notices were made. The book was not 
 produced. Pollock, C. B., instead of leaving the question to the jury, acknowledged 
 that the defendant's conversation amounted to a promise to pay ; but said he was of 
 opinion that there was no notice, and directed a verdict for the defendant. He also 
 said that it was for tlie court to say wliether the promise amounted to a waiver. In 
 an action by a second indorser against the drawer, proof that the defendant had fur- 
 nished the fii-st indorsee with funds to pay the bill and costs, under a judge's order for 
 a stay of proceedings, will not dispense with proof of notice. Holmes v. Staines, 3 
 Car. & K. 19. 
 
 (m) Hodge u. Fillis, 3 Camp. 463, an action against the acceptor. 
 
 (/i) Vaughan v. Fuller, 2 Stra 1246. The following is the report of this case : "In 
 an action upon a promissory note by the indorsee against an indorser, it was proved 
 that the defendant had paid part of the money. And Chief Justice Lee held that sufH- 
 cient to dispense with the proving a demand upon the maker of the note." Horford v. 
 Wilson, I Taunt. 12. 
 
 (o) The authorities on this point are in conflict. In Dixon v. Elliott, 5 Car. & P. 
 437, the bill was shown to the defendant, an indorser, and inquiries were made for the 
 acceptor and drawer. The indorser said if the plaintiff would take 10«. on the pound, 
 he would secure it to them. The offer does not appear to have been accepted. Park, 
 J. held the evidence sufficient to dispense with proof of dishonor. In Margetson v. 
 Aitken, Danson & L. 187, 3 Car. & P. 338, Lord Tenterden, C. J. and Bayley, J. held 
 that, if the indorser offers to pay the holder 8s on the pound, on the amount, this dis- 
 penses with proof of notice. The offer was rejected. Contra, Standage v. Creighton, 
 5 Car. & P. 406, where there was evidence that notice had been sent addressed to the 
 defendant, an indorser of a bill, at two places, but there was no evidence that he lived
 
 S16 NOTES AND BILLS. [CH. XIU 
 
 merits ; (p) service of notice to produce at the trial the letter 
 containing notice of dishonor uncomplied witli ; {q) objecting to 
 payment upon otlier grounds than laches in presentment and no- 
 tice, (y) Some of the cases have almost gone so far, that it would 
 seem that the only safe course for an indorser or drawer, when 
 payment is demanded of him, would be to expressly deny botli 
 presentment and notice. Thus, for instance, a verdict against 
 tlie drawer of a bill was sustained, where the only evidence of 
 notice was, that the defendant, two days after maturity, sent a 
 person to the plaintiff to say that he had been defrauded of 
 the bill, and should defend any action upon it.(s) Whether 
 
 in either. Proof that the defendant's attorney had offered to pay £ 30 on the bill, 
 which was for £ 100, and to secure the residue by warrant of attorney, was held not to 
 be sufficient to dispense with proof of notice. The offer does not appear to have been 
 accepted. Lord Denman, C. J. said ". " I think that that is not sufficient to dispense 
 with proof of the notice of dishonor. Tiie defendant might, if time had been given 
 him, have been willing to have waived any objection with respect to notice of dis- 
 honor." In Cuming v. French, 2 Camp. 106, note, the drawer, on being arrested, 
 offered as a compromise to 'give his bill at one or two months. His offer was re- 
 jected. Held not to obviate the necessity of demand and notice. Lord EUenborouyh 
 said : " This offer is neither an acknowledgment nor a waiver, to obviate the necessity 
 of expressly proving notice of the dishonor of the bill. He might have offered to give 
 his acceptance at one or two months, although, being entitled to notice of the dis- 
 honor of the bill, he had received none, and although, upon this compromise being 
 refused, he meant to rely upon the objection. If the plaintiff accepted the offer, good 
 and well ; if not, things were to remain on the same footing as before it was made." 
 
 (p) Croxen v Worthen, 5 M. & W. 5, an action against the maker of a note payable 
 at a specified place. There was no evidence of a presentment there, which was alleged 
 in the declaration, but the defendant had promised to pay the note by instalments. 
 Alderson, B. said : " The defendant is supposed to know the law ; he knows, therefore, 
 that be is not liable, unless the note has been duly presented. With that knowledge, 
 he undertakes to pay it. Is not that evidence for the jury that he knows it has been 
 presented?' Gunson v. Metz, 1 B. & C. 193. 2 Dow. & R. 334, an action against the 
 drawer of a bill. An agreement between the drawer and a prior indorser, reciting that 
 the defendant had drawn, among others, the bill in question, that it was overdue, and 
 ought to be in the hands of the prior indorser, and that the latter should take the 
 money duo him on the bill by instalments, was held evidence of notice. 
 
 (7) See the cases cited infra, note s. See Campbell v. Webster, 2 C. B. 2.58. 
 
 (r) Sec the cases cited iii/'ra, note s. See Campbell v. Webster, 2 C. B. 2.58. 
 
 (s) Wilkins v. Jadis, 1 Moody & II. 41, where Lord Tctiterden, C. J. said : " It will 
 be a question for the jury whether tlie dcfeiulant had received notice from the ))!aintiff, 
 or some [)arty to tlic 1)111. They certainly must be satisfied that notice was given; 
 mere kriowh.-dge of tbi' dlNJionor is not suflicient. But is there not evidence of notice? 
 The rommunicatioii that any action will be defended is not put on the ground of want 
 of notice, but of fraud, and at that time the defendant knew the holders. IIow was he 
 liki.'ly to know that fact, unless by having received notice? It is a (|ii(!Stioii of fad for 
 the jury, whether he had so or not; and their verdict will he given accordingly " Id
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 61T 
 
 a conditional offei- of payment, by way of compromise, which 
 has not been accepted, is evidence of demand and notice, seems 
 
 Roberts v. Bradshaw, I Stark. 28, the plaintiflf's clerk swore, that on the day of matu- 
 rity the jjhiintiff gave liini two papers to compare with each other, one of which he pro- 
 duced, purporting; to he a notice of dishonor of the bill. He stated that, the day after 
 he compared the jjapers, he carried a letter from the plaintit}" to the defendant. This 
 not being held .sufficient evidence of notice, the plaintiff' then proved service of a notice on 
 the defendant, calling on him to produce a letter from the plaintitF, giving notice of thi 
 dishonor of the bill. A verdict for the plaintiff on the above facts was sustained. Lord 
 Jiileiibuiviyh said : " 1 think certainly that there is a looseness in this evidence, and you 
 may afterwards move tlie court upon it. Supposing, however, that the paper delivered 
 had been a perfect blank, or contained matter wholly unconnected with tiie dishonor 
 of the bill, you might have produced it, and shown the fact to be so, since it is 
 evident what letter was the object of the plaintiff's notice. This is the first time the 
 identity of such a letter has been so minutely criticised, and the proof might, in 
 many instances, be attended with great difficulty ; as where letters, after being 
 written, are placed upon the table, it might afterwards be exceedingly difficult to 
 identify them with those afterwards ])ut into the post-office." In the ensuing term, 
 tlie court refused a rule nisi for a new trial. In Booth v. Jacobs, 3 Nev. & M. 
 3.51, an action against the drawer, on two bills, one drawn on Fenton and the other 
 on Phillips, a verdict for the plaintiff was sustained, on .the ground that the foUow- 
 ing letter, written six days after maturity, was evidence of due notice of both 
 bills " Your letter this day came to hand. We were rather surprised at the latter 
 part of your letter, wherein you state you would take proceedings against us. We 
 fully expected that Phillips's bill would have been paid It will be impossible for me 
 to go out of town to settle our accounts till after Christmas, when we will remit you 
 some cash. Trade is at a stand still in London at present. We have been doing 
 very little business for these last three weeks, as we are determined not to give any 
 more credit, having had snch severe losses lately. We have taken up £ 100 of return 
 bills of Mr. Fenton's, besides other bills on other shops which were returned, which 
 makes us short of cash at this present time. I iiave called this day on Mr. Phillips 
 about his bill. He was not at home. I will call again to-morrow. You may make 
 yourselves very easy about what we owe you. I will write to you again in a day or 
 two. Law expenses do neither party any good." It is somewhat difficult to see what 
 evidence of due notice of both bills is contained in this letter. In Bell i\ Frankis, 4 
 Man. & G. 44G, 5 Scott, N. R. 460, the defendant, a drawer, told the witness he ex- 
 pected to receive by post a notice of dishonor of the bill ; and afterwards gave him a 
 letter which he had received by mail, and requested him to negotiate a renewal of the 
 bill. The letter, which was in the plaintiff's hands, was not produced at the trial. 
 Held evidence of due notice, but a verdict for the defendant was not disturbed. In 
 Curlewis r, Cortield, I Q. B. 814, 1 Gale & D. 489, the plaintiff proved that he sent a 
 letter to the drawer, which was put into the letter-box of the latter, an attorney, at his 
 office. A service of notice on the defendant, calling on him to produce a letter sent to 
 him that day, containing notice of dishonor of the bill, was also proved ; and the de- 
 fendant failed to produce it. After this time the defendant told the plaintiff's attorney 
 that the bill had not been presented in due time, saying nothing about notice. A 
 verdict for the plaintiff was sustained, on the ground that the above facts were 
 evidence of due notice. Lord Denman, C. J. said : " Taking the whole of this case 
 together, I think there was evidence to go to the jury, The plaintiff proved that some 
 tetter was '^ut into the defendant's box on Sept. 28th ; and that notice to produce, not 
 52*
 
 618 NOTES AND BILLS. [CPL XHL 
 
 to be unsettled ; the authorities being, as has been seen,(^) in a 
 state of conflict. With regard to tlie person to whom the prom- 
 ise or acknowledgment is to be made, it has been held, as has 
 been remarked, (m) that a promise to a subsequent party enures 
 to the benefit of an intermediate party who has taken up tlie 
 paper. The courts in England, in tlie late cases, seem to show a 
 disposition to shift from the position of waiver to that of pre- 
 sumptive evidence, and it is not impossible but that they may 
 have abandoned the former doctrine. (y) 
 
 Many of the American authorities are so far inconsistent with 
 the English cases which we have just examined, that it is not 
 certain whether the courts, in some instances, recognize the doc- 
 trine of presumptive evidence at all. This may have arisen 
 from confounding the distinction between waiver and presump- 
 tive evidence, or because that distinction does not seem to have 
 been presented for considei-ation.(i<;) In some cases, the courts 
 
 complied with, must have some effect. To tliis is added the conversation with the 
 plaintiff's attorney, in which the defendant placed his defence on a different oround 
 from that of omission to give notice of dishonor. The case, therefore, is like Williins 
 V. Jadis," 1 Moody & R. 41, supra. Palteson, J. said, chat, without the conver^ation, the 
 evidence would not probably be sufficient. See Brett v. Levett, 13 East, 213, where 
 want of notice to the drawer of a bill due Jan. 28th, he having become bankrupt on Dec. 
 28th, was supplied by evidence that he said, on a day subsequent to tlie latter date, on 
 being asked by the plaintiff whether the bill would be paid, " No, it will come back." 
 
 (t) Sec the cases cited supra, p. 616, note s. 
 
 (u) Potter V. Kayworth, 13 East, 417, supra, p. G14, note /; Gunson v. Metz, 1 B 
 & C. 193, supra, p. 616, note p. 
 
 (v) Thus, in llicks v. Duke of Beaufort, 4 Bing. N. C. 229, supra, p. 614, note I, the 
 promise was certainly as clear as in the case of Roj^ers v. Stevens, 2 T. R. 713, supra, p. 
 S98, note h, and other earlier cases. Inasmuch as it was a question of notice, the point 
 whether the defendant knew whether he had received it or not might have been raised. 
 But tlie jury were directed simply to find whether there iiad been notice or not. So in 
 Brownell v. Bonney, 1 Q. B. 39, and in Jones v. O'Brien, C. B. 18-54, 26 Eng. L. & 
 Eq. 283, cited supra, p. 614, note /, from the evidence, there certainly was ground to 
 contend that there had been actual laches, and knowledge ; but the court decided on 
 the ground of jiresumptive evidence, and not upon that of waiver. Iloulditch v- Cauty, 
 4 Bing. N. 0. 41 1, secm.s to have been decided, however, on the ground of waiver. See 
 the remarks of ./o//, C. B., cited supra, p. Oil, note e. It is somewhat singular that the 
 Cliicf IJaron should chara(tterize waiver as " this new-fangled doctrine '" ; because the 
 fiuctuiiti(jn appears to he from that doctrine, which is clearly laid down by the earlier 
 ca«cs, to that of presumptive evidence, which is lalcr. 
 
 (iv) Tiiornton v. Wynn, 12 Wheat. 183, seems hardly reconcilable with the English 
 casCH. The court below adniittt'd the fullowing evidence as competent to support the 
 action against an indorscr of a note, williout further proof of demand and notice. The 
 defendant, on demand being made of him, said he knew the maker had not, and was 
 not, lo jmy the note ; that it wa.s hiu concern alone, and that the maker had nothing tn
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 619 
 
 sjem unvvilliug to carry out the doctrine to such an extent as 
 is done by the English authorities. Thus there is certainly 
 ground to contend, on these authorities, that, if an indorser 
 takes security after maturity, this is evidence of demand and 
 
 do with it. Washington, S., p. 188, admits that "these declarations amounted to an 
 unequivocal admission of the orij^inal liability of the defendant to pay the note." This 
 would seem sufficient to come within the English authorities ; hut the court decided 
 that the defendant could not be held, because there was no proof of knowledf^e of 
 laches at the time the declarations were made. In Davis r Gowen, 17 Maine, 387, the 
 only proof of demand and notice was, that notices for the maker and indorser were 
 deposited in the post-office on the day of maturity ; all the parties residirij^ in the same 
 town. The defendant told the plaintiff's attorney that, if he would not sue the note, 
 he would immediately see it paid. Suit was accordingly delayed, and the defendant 
 afterwards made similar promises. Held, that the court should have instructed the 
 jury that the action could not be maintained, because the facts do not show knowledge 
 of laches. See Grain v. Colwell, 8 Johns. 384, where the indorser promised " to turn 
 out notes." The plaintiff refused to receive them, and subsequently the defendant re- 
 fused to deliver tliera. Beekman v. Connelly, cited 16 Johns. 154, where it was held 
 that mere proof of a promise to pay, without evidence of knowledge of laches, does not 
 dispense with proof of regular notice. Trimble v. Thorne, 16 Johns. 152, where the 
 notice to the indorser was held insufficient, because it was deposited in the post-office 
 of the town in which he lived. The defendant had called on the plaintiff's attorney, 
 admitted his liability, and promised to pay the note, offering to pay part iu cash and 
 the balance by notes. The proposition was acceded to, but the defendant neglected to 
 carry it out, and suit was then brought. The i)laintiff was nonsuited, for not proving 
 knowledge of laches. With regard to this case it may be remarked, that the 
 presumption in fact, though not in law, is, that a party would be more likely to 
 receive a drop-letter than if it had been mailed to him from a distant place. The 
 defendant might also he supposed to know wiiether he had received notice or not. 
 This case, however, as will be seen, has been overruled, and its authority frequently 
 denied. It is affirmed in Jones v. Savage, 6 Wend. 658, wliere the drawer, after suit, 
 requested a dehiy of proceedings, and after some negotiation the defendant promised 
 to make an arrangement satisfactory to the holder. The defendant also included the 
 amount of the holder's claim, in an account of his creditors, on an application for his 
 discharge in insolvency. Held insufficient to charge the defendant, without proof of 
 knowledge. Barkalow v. Johnson, 1 Harrison, 397, where there was some slight evi- 
 dence of demand and notice. The defendant after suit admitted his indorsement and 
 his liability, and offered to pay part in cash and the balance by note The propositions 
 were not acceded to. Held not sufficient to support the action, principally because no 
 knowledge of laches was proved. U. S. Bank v. Southard, 2 Harrison, 473, where a 
 promise to pay the note by an indorser as soon as he could was held insufficient to 
 support an action, on the ground of want of knowledge. In Sussex Bank v Bald- 
 win, 2 Harrison, 487. the demand was regular, and there was evidence that the notice 
 had been mailed the next day after dishonor, but it was not proved to have been put 
 in the office in time for the mail of that day. The defendant had admitted that he 
 had received a notice through the bank, and had requested the plaintiff twice to renew 
 the note. Held not sufficient evidence to maintain the action. In New Orleans Bank 
 V. tlarper, 12 Rob. La. 231, Lacoste v. Harper, 3 La. Ann. 385, the notice was held 
 bad because it was not directed to the post-office nearest to the residence of the drawer.
 
 u-0 NOTES AND BILLS. [CH. XIH. 
 
 notice ; for why should a person take these steps to secure 
 himself, unless his liability actually existed ? But the contrary 
 appears to have been decided. (.r) There are cases in which 
 the courts recognize the English law, but deny its authority ; 
 
 A subsequeat promise to pay by the latter was held insufficient to support the action. 
 So Glenn v. Thistle, 1 Rob. La. 572, where notice was held defective because the post- 
 office was used as a means of deposit. There was also evidence that the defendant 
 nsually got his letters there, and of a promise to pay. The plaintiff was nonsuited be- 
 cause no knowledge was proved. In Harris v. Allnutt, 12 La. 465, the notarial certifi- 
 cate of notice was held insufficient on account of informality. When payment was 
 demanded of the indorser, he promised to go to his immediate indorser and arrange the 
 note. The prior indorser, who was also a defendant, offered to give other notes for the 
 amount. The subsequent indorser said that he would see that the prior one gave the 
 notes. A judgment for the plaintiff was reversed, and a nonsuit entered for want of 
 proof of knowledge. So in Tickner v. Roberts, II La. 14, the protest was held no 
 evidence of demand, because not duly authenticated. The defendant, a drawer, prom- 
 ised to pay. The drawer was discharged for want of evidence of knowledge of laches. 
 In Laporte v. Landry, 17 Mart. La. 359, 16 id. 125, the notice was held bad, because 
 deposited in the post-office where the indorser lived. The defendant offered to indorse 
 notes of the same maker for the same amount, but the liolder wisiied him to give his 
 own note. The plaintiff was nonsuit. In Bank of U. S. v. Leathers, 10 B. Mon 64, 
 the evidence of presentment and notice was the notarial certificate of j)rotesi, wliich 
 was held no evidence of tiie facts, because the instrument was a note A promise, ten 
 years after maturity, to pay the note, was held insufficient, there being no proof of 
 knowledge of laches. It may be, however, that in some of the above cases there was 
 actual laches ; but this fact is neither given by the report of the cases nor adverted to in 
 the opinions. 
 
 {z) Otsego Co. Bank v. Warren, 18 Barb. 290, where the notarial certificate of de- 
 mand on tlie acceptor of an inland bill was held defective for informality. It docs not 
 appear whether notice was given or not. Tower v. Durell, 9 Mass. 332, where there does 
 not appear to be any other evidence of demand. No facts are reported which are in- 
 consistent with the fact that the demand and notice might have been regular in both 
 cases. The courts decided them on the ground of waiver, and did not notice tlie one 
 now under consideration. With regard to conditional promi,ses, not accepted, it will be 
 seen that in some of the cases cited nupra, p. 618, note w, there were such instances, and 
 they were noticed in the opinions of the court. In Bank of Vergennes v. Cameron, 
 7 Barb. 143, an action against the indorser of a foreign bill, a memorandum at tlie foot 
 of the draft, made by the notary and signed with his initials, stating the protest, the 
 mailing of the notices to the drawer and indorsers, and the place to which tlicy were 
 sent, was held no (evidence of notice, even in connection with the fact that the defend- 
 ant, within three days after maturity, e.xhiliited to a witness a notice which he had just 
 received through the post-ollice. 'I'he bill was payable in Burlington, Vermont, and 
 the indorsers lived iti Troy, New York. There was also evidence that one of the de- 
 fendants, who were partners, liad Miliniitcd the protest, and promised to do all in his 
 power to .see the draft paid ; biil ii did not appeiir whether this promise was made be- 
 fore or after the dis.sohiiioii of thi' lirni. In. Carter v Burlcy, 9 N. H. 558, the indorser 
 agreed, whi-n informed of llu^ (ii-^liDiior of the note, to give certain niercliandise as se- 
 curity. Held not to be prinut fnrli'. eviih-ncc of due (h'mand and notice. Coiilrc, De- 
 buy.s V. Mollcre. 15 Mart. La. 318, where the detcmia.it oli'cred to give a 'nortgagc as
 
 CH. Xm.] EXCUSES FOR WANT OF NOTICE. 621 
 
 SO far, at least, as a promise to pay is concerned. (2/) The 
 weight of American authority is, however, in favor of the Eng- 
 lish rule, and there are many cases which hold that a promise to 
 pay, or an acknowledgment of liability, is presumptive evidence 
 that everything has been properly done, in order to render an 
 indoi-ser or drawer liable. (2-) There are also cases which hold 
 
 sccurin- for the note, which was held equivalent in this respect to a promise to pay. In 
 Jones I'. Savage, 6 Wend. 658, supra, p 619, note iv, and Moore v. Hardcastle, 11 Md. 
 486, notice was sent to the shire town of the county where the defendant lived. Held 
 insufficient, because due inquiries were not proved to have been made, and there was a 
 nearer post-office. The following letter was held to be no evidence of notice : "Mr. 
 Tarr informs me that you po.<itively refused to deduct one cent on the negotiable note 
 indorsed by me. Now, sir, I made a very reasonable request, merely to deduct the in- 
 terest. I do not, I assure you, feel able to pay the principal. My means are limited ; 
 but I have some friends that would no doubt assist me. I told you, if you would do 
 it, you should have your money this fall, without any trouble. You refused the over- 
 tures, though I think e.Ktremely moderate." The letter ended with a definnce to the 
 plaintiff to collect the note if he could. 
 
 {y} Otis V. Hussey, 3 N. H. 346, where Richardson, C. J. said : " We are aware that 
 it has been held in England that a promise to pay is, in these cases, to be left to the 
 jury, as evidence of a demand. In an old commercial country like England, where a 
 great portion of the business has long been transacted by means of negotiable paper, 
 and where most of those who deal in such paper must be presumed to be acquainted 
 with the law in relation to it, it may be proper to leave it to a jury to infer a demand of 
 the maker from a promise of the indorser to pay. But in this State, where negotiable 
 paper has a very limited circulation, there is no ground on which such an inference from 
 that fact can rest; and we are of opinion that the rule adopted in New York is the true 
 one. It must be shown affirmatively that the defendant had notice, when he made the 
 promise, that no demand had been made, and that there had been no attempt to make 
 one." So in Farrington v. Brown, 7 N. H. 271, where the plaintiff, instead of proving 
 demand and notice, offered the following writing, addressed to the plaintiff's counsel, as 
 evidence: "Portsmouth, July 1.5th, 1828. I hereby hold myself accountable for the 
 payment of a note signed by Jonathan Brown, payable to me, and indorsed by me, 
 dated April 1st, 1828, payable in sixty days, for $88.32, now in your hands for collec- 
 tion." See Carter v. Burley, 9 N. H. .558, where the indorser offered to give security ; 
 Nelson, C. J., Keeler v. Bartine, 12 Wend. 110, 119. 
 
 (z) Bank of U. S. v. Lyman, 20 Vt. 666; Collamer, J., Russell v. Buck, 11 Vt. 166, 
 175 ; Bennett, J., id. 182. See Nash v Harrington, 1 Aikens, 39, 2 id. 9 ; Hosmer, C. J. 
 Breed v. Hillhouse, 7 Conn. 523, 528; Bruce v. Lytle, 13 Barb. 163; Tebbetts v. 
 Dowd, 23 Wend. 379; Pierson v. Hooker, 3 Johns. 68; Loose v. Loose, 36 Penn. 
 State, .538; Duvall v. Farmers' Bank, 9 Gill & J. 31, 7 id. 44, where the following 
 written agreement was held evidence of presentment and notice, with reference to a 
 note which was overdue at the date of the agreement : " Whereas I am indorser," 
 &e., •' and whereas the bank, which holds the notes, has agreed not to protest the 
 same, or to ask a renewal of them when they become due, I do hereby agree to dis- 
 pense with all notice of the time of payment, or of the non-payment of said notes, and 
 to be answerable for the amount of said notes, although no such notice is given to me." 
 See Walker v. Laverty, 6 Munf. 487 ; Pate v. M'Clure, 4 Rand. Va, 164 ; Higgins v. 
 Morrison, 4 Dana, 100, where the indorser of a bill said he would ])ay if his co-indorser
 
 622 NOTES AND BILLS. [CH. XIII. 
 
 that demand and notice are proved by part payment ; (a) a prom- 
 ise to pay by instalments ; (b) the insertion of a bill among the 
 debts of an insolvent in his schednle ; (c) a written admission 
 of the reception of notice ; (d) a reqnest to have the note kept 
 charged in a separate account, with no objection to the acconnt 
 when rendered, as to the bill, but simply to claim for an addi- 
 tional item of credit ; (e) an agreement with the maker to take 
 back the note, and to retnrn the property for which it was given, 
 to tlie maker ;(/) an agreement to let jndgraent go by defanlt, 
 if the holder wonld sue the defendant and the maker jointly, in 
 the State court, instead of the defendant alone, in the United 
 States court ; (g") part payment by tiie maker, indorsed on the 
 note on the day of maturity. (//) 
 
 The distinctions between the two classes of cases which we 
 have been considering are well mnrked, and among them may 
 be mentioned the following. In the waiver cases, there must be 
 proof that the party who made the promise had knowledge of 
 
 would, and subsequently called on the hitter, and desired to see some securities given by 
 the drawer. In a i)ill in equity, he did not rely upon the want of notice ; and the co- 
 indorser had taken up the bill. Held evidence of notice, and that the defendant was 
 liable to his co-indorser for contribution. See Lawrence v Kalston, 3 Bibb. 102 ; Kcn- 
 non V. McRea, 7 Port. Ala. 17,5 ; Schmidt v Radcliffe, 4 Strob. 296 ; Hall ;;. Freeman, 
 2 Nott & McC. 479; Robbins v. Pinckard, .5 Sniedes & M. 51 ; Offit v. Vick, Walk- 
 er. 99 ; Clayton v. Pliipps, 14 Misso. 399 ; Uorsey v. Watson, id. f>9 ; Men,se v. Osbern, 
 o id. 544 ; Walker v. Walker, 2 Eng. Ark. 542 ; Oglesby v. Steamboat, 10 La. Ann. 
 117; Union Bank v. Grimshaw, 15 La. 321 ; Debuys v. Mollere, 15 Mart. La. 318; 
 where the defendant offered to give security. This case is contra to Carter v. Burley, 
 9 N. H. 558. It may be remarked, that in some of the above cases the distinction be- 
 tween waiver and presumptive evidence does not seem to have been drawn with precis- 
 ion. Cowen, J., in Tebbetts v. Dowd, 23 Wend 379, with respect to the cases which 
 deny the doctrine of presumptive evidence, said, p. 403 : " But, moreover, a decisive 
 answer to the case is, that the mass of American authority against it is as overwhelm- 
 ing as the British." However it might have been when that case was decided, we think 
 that there is not at present such a preponderance of authority as will he seen by com- 
 paring the cases cited in this note with those cited supra, p. 619, note iv. 
 
 (a) Bank of U. S. v. Lyman, 20 Vt. 666; Sherer v. Easton Bank, 33 Penn. State, 
 134 ; Levy >;. Peters, 9 S. & R. 125; Bilib ». Peyton, 11 Smcdes & M 275. See Union 
 Bunk V. (Jrimshaw, 15 La. 321. 
 
 (/;) Union Bank v. (Jrimshaw, 15 La. 321. 
 
 (c) Hyde v Stone;, 20 How. 170. Contra, Jones v. Savage, 6 Wend. 658 
 
 ((I) Commercial Bank v. Clark, 28 Vt. 325. 
 
 {<■) Bank of U. S. v. Lyman, 20 Vt. 666. 
 
 (/) AnilrcwH V. Boyd, 3 Met. 434. 
 
 (</) Roldiins V. Pinckard, 5 Smedcs & M. 51. 
 
 (/ij Lane v. Steward, 20 Maine, 98.
 
 CH. Xm.] EXCUSES FOR WANT OF NOTICE. ■ 623 
 
 the neglect, and the burden is upon the plaintiff to prove this. 
 In the cases on presumptive evidence there can be no such re- 
 quirement, and the cases oh this subject, in which the defendant 
 has been discharged for want of such proof, are entirely incon- 
 sistent with the doctrine itself. For upon what is it founded, 
 unless upon the ground that the presentment was regular, and 
 the notice duly given ? Hence, to say that there must be knowl- 
 edge of neglect would be, as has been remarked, a legal sole- 
 cism, (i) But there appear also to be authorities in wiiich the 
 opposite mistake has been made. Thus it has been said, in a 
 Treatise on Bills, that {j) " a promise to pay will entirely dis- 
 
 (i) Cowen, J., in Tebbetts v. Dowd, 23 Wend. 379, 392, after citing tlie English cases, 
 said : " In this whole score of cases, and more, ranging from 1730 to 1839, no trace of 
 tlie rule appeai-s, that, in order to make the promise available as an admission, it is 
 necessary to show that the drawer or indorser was aware of laclies, which the promise 
 was intended to cure. A remedy for laches is not the object. To require knowledge 
 of laches would render every case going on the principle of presumptive evidence a 
 legal solecism. The ground is, that the .promise shall be received, not as binding per 
 He, but as evidence that there were no laches ; in other words, that regular present- 
 ment had been made, that it was followed by non-acceptance or non-payment, of which 
 notice had been duly given. Otherwise, why should the man promise? Will any one 
 do so without knowing that he is liable ? Common experience shows that he will not. 
 The English cases ai-e therefore in exact accordance with the principles of presumptive 
 evidence. These princi]iles are but another name for such connections between moral 
 causes and effects as are evinced by general oliservation."' The case of Trimble v. 
 Thorne, 16 Johns. 152, which is overruled by this case, was denied by Hosmer, C. J., in 
 Breed v. Hillhouse, 7 Conn. 523, who said that " this case, so far as my knowledge 
 ^xtends, stands alone and unsupported." So Bennett, J., in Russell v. Buck, 11 Vt. 
 166, 183, said : " It is believed this case is opposed to the whole current of decisions, 
 and establishes a rule of evidence not supported upon principle or by authority." 
 Collier, C. J., Kennon v. McRea, 7 Port. Ala. 175, 183 ; Stronc/, J., Loose v Loose, 36 
 Penn. State, 538, 545. 
 
 (j) Byles on Bills, p. 237, citing Taylor v. Jones, 2 Camp. 105 ; Stevens v. Lynch, 12 
 East, 38, 2 Camp. 332. But neither of these cases bears out the proposition. The first 
 case was one of presumptive evidence. The only evidence of presentment of the note and 
 notice was, that the indorser, two years after maturity, promised to pay, and requested 
 time. Bayley, J., 2 Camp. 105, " held that, where a party to a bill or note, knowing it to 
 be due, and knowing that he was entitled to have it presented when due to the acceptor 
 or maker, and to receive notice of its dishonor, promises to pay it, this is presumptive 
 evidence of the presentment and notice, and he is bound by the promise so made." 
 This latter clause, although it may seem to support the doctrine contended for, is alto- 
 gether too uncertain. The judge may have intended to have said that it was binding 
 only until laches appear. Or, in other words, that here is evidence of due presentment 
 and notice, and nothing to control it ; or to show that there were laches. Hence a jury 
 might be " bound," under such circumstances, to find for the plaintiff. In the second 
 case, the promise was held binding because actual knowledge was proved. Lord El- 
 (enborough, as reported in 2 Camp. 332, allowed that ignorance " would do away the
 
 624 NOTES AND BILLS. [CH. XIIl 
 
 pense with proof of presentment or notice, and will throw on 
 the defendant the double burden of proving laches, and that he 
 was ignorant of it." This same principle seems to have been 
 affirmed by some authorities. (A;) But so far as presentment is 
 concerned, this cannot be reconciled with either doctrine. Not 
 with that of presumptive evidence ; for as soon as the defendant 
 lias proved laches only, the plaintiif' s case is gone, for there can 
 be jio presumption of due presentment when there is actual 
 
 effect of tlie acknowledgment and promise, but it appeared that the defendant was fully 
 acquainted at the time " with the circumstances. 
 
 {^-) Loose V. Loose, 36 Penn State, 538, where Stromj, J. said : " There was proof 
 on the trial, that, some four or five weeks after the indorsement of the notes to the plain- 
 tiff, they having been overdue when indorsed, the defendant stated that he was fast, ac- 
 knowledged his liability, and promised to pay them. In reference to this proof, the 
 court instructed the jury, in substance, that they might infer from it that the notes had 
 been duly presented to the maker for payment, and that notice of his default had been 
 piven in time to the defendant, or that demand and notice had been waived by him. 
 Tiie jury were also instructed, that they might infer from the defendant's promise that 
 he had full knowledge of the facts at the time hp made it; and that if his acknowl- 
 edgment of liability and his promise to pay were made in mistake, the burden was 
 upon him to prove it. This instruction is supposed to have been erroneous. The de- 
 fendant contends, not that an acknowledgment of liability and a promise to pay, made 
 by an indorser after default of payment by the maker, will not dispense with proof of 
 demand and notice of non-payment, if made with a full knowledge of the facts tiiat 
 there had been laches in the presentation and notice, but he insists that it is incumbent 
 upon the holder to adduce evidence that the indorser had such knowledge, and that it 
 cannot be inferred from his promise to pay. In other words, it is argued that the bur- 
 den is upon the holder to show by distinct evidence that the promise was not made in 
 mistake, or in ignorance of the existence of laches. This position cannot be maintained. 
 What is the precise effect of a promise to pay, made by an indorser after a note or bill 
 has fallen due and been dishonored, has been a subject much det)ated. Many of the 
 cases hold that it amounts to an admission that a proper demand was made, and that 
 due notice was given. If it be such an admission, it is not apparent how it can i>e ne- 
 cessary to prove, in addition to an indorser's promise, that he knew no sufficient demand 
 had been made or notice given. Other cases, perhaps more numerous, hold that a 
 promise to pay, or an acknowledgment of liability, is a waiver of due presentation and 
 notice ; and some cases treat it both as a waiver and an admission Regarding it as a 
 waiver, it of course must be essential that the party making it knew the laches which he 
 is alleged to have excused, for waiver is not witiiout intention. There is, however, very 
 great harmony in the decisions in holding that a ])romisc or acknowledgment itself raises 
 a presumption that the drawer of the bill, or the indorserof the note, was ac(piainted with 
 the lachi.'s of the holder, which his promise is alleged to have waived. I know of but one 
 case in which the o|)posite doctrine has iieen ilistinctly asserted, and that is the case; of 
 Trimble n. Tliornc, 16 Johns. \h'i, and it has often been spoken of with disapprohntion by 
 Other courts." S(j far as presentment is concerned, it would seem somewhat astonishing 
 that the judge, should say that there was " very great harmony " in the decisions that a 
 promise to pay raises tlic presumj)tiori of knowledge of lachi's. According to the cases 
 cited supra, p. 601, note x, over thirty in number, the " harmony " would ajjpcar to be
 
 CH. Xm.] EXCUSES FOR WANT OF NOTICE. 62i» 
 
 proof of laches. Nor can it be reconciled with the doctrine of 
 waiver. For as soon as the defendant proves laches, the plain- 
 tiff is bound to prove that the former had knowledge of the 
 laches at the time of the promise. As to notice, the rule may 
 be properly stated, (/) though it is not supported by all the au- 
 thorities, (w) on the ground that a promise to pay, as regards 
 notice alone, may be held to be -prima facie binding, because tlie 
 defendant may be presumed to know whether he received notice 
 or not ; and it is incumbent on him to remove this presumption 
 
 dii-ectly the other way ; and the rule hiid down in this case is not supported by more 
 than two or three cases, and it is somewhat doubtful if it is by any. As to notice, we 
 do not see how the cases can be reconciled. Supra, p. 603, note a, 604, note b. Collin-, 
 0. J., in Kennon v. McRea, 7 Port. Ala. 175, 184, cited the remark from Byles with appro- 
 bation, and the cases cited by that author ; and also Nash v. Harrington, I Aikens, 39, 
 2 id. 9. This last case is doubtful authority on the point for which it is cited. The note 
 was on demand, dated Jan. 30th. The demand was made Dec. 5th, and notice given 
 Dec. 7th. The maker at the time of indorsement was notoriously insolvent, and contin- 
 ued so till the trial. The first point which arose was, whether the demand was not too 
 late, or whether due diligence had been used. The court, after stating that " it would 
 not seem reasonable to apply to this case that law merchant which is made to applv to 
 notes given by good responsible men, and negotiated before they become payable," 
 which is not law, said that they were "not fully prepared to say whether this was or 
 was not reasonable diligence." They decided that the judge was wrong in refusing 
 to admit evidence that the defendant acknowledged his liability, and promised to 
 pay. They seem to have put their decision partly upon the ground that the evidence 
 was admissible to show that due diligence in giving notice was used. With regard to 
 knowledge, Hutcliinson, J. said : " This promise must be prima facie binding; but the 
 defendant urges that it is not binding, unless he, at the time of the promise, knew of 
 the laches, which operated to discharge him. It is true such a promise, made in total 
 ignorance of a defence, which existed, would not bind; but nothing appears but that 
 the defendant knew every circumstance ; and if he would exonerate himself from his 
 promise, on this ground, the burden of proof rests on him. For he could not be igno- 
 rant of the time when notice was given him of the non-payment." This last clause 
 would seem to show that, even as to knowledge, the court decided that a promise to 
 pay raised that presumption with regard to notice, which was the point under consid- 
 eration, on the ground that the indorser must have known whether he received it in 
 due time. 
 
 (/) See Nash v. Harrington, 1 Aikens, 39, 2 id. 9, siijrra, note k. 
 
 (;n) The facts in Loose v. Loose, 36 Penn. State, 538, were as follows. The notes 
 were overdue at the time of indorsement. It does not seem to have been disputed but 
 that the demand, which was made four days subsequent to indorsement, was within 
 due time. The question was, whether the notice was regular, which was given four- 
 teen days after the demand. There was evidence of a promise to pay, admission of 
 liability, &c. The presiding judge seems to have instructed the jury, that, as to 
 notice, the promise was either evidence that a prior notice had been given, or that it 
 raised the presumption that the defendant knew that he had not received it at tho 
 proper time. The decision is, that the charge was correct, but the language of Strong, J. 
 18 stronger than the facts would seem to warrant. 
 
 Vol. I.— 2 P 53
 
 626 NOTES AND BILLS. [CH. XIIL 
 
 by proof of ignorance of laches. It would be more accurate, ac- 
 cording to tlie authorities, to state the rule as to presentment as 
 follows : A promise to pay throws the burden on the defendant 
 to prove laches, but the burden is again shifted to the plaintiff 
 to prove knowledge, so soon as laches are shown. Another dis- 
 tinction between the two classes of cases is, that in those of 
 waiver greater strictness is required as to the evidence of the 
 promise than in those to the point of presumptive evidence. 
 This distinction may be seen from the instances which we have 
 already given. Another distinction is, that questions of waiver 
 would seem to be more matter of law than those of presumptive 
 evidence. All tliat is required in the former is, to prove the 
 promise sufficiently clearly, and knowledge ; but in the latter, 
 the indorser or drawer will be able to repel the presumption, 
 either by showing actual laches, (w) or any other circumstance 
 going to show neglect. (o) Thus even a written admission by 
 the indorser that he had received due notice is only prima facie 
 evidence, and maybe rebutted. (/?) The advantage of allowing 
 an admission of an indorser or drawer to operate as an admis- 
 sion of due demand and notice, or presumptive evidence, may 
 be seen in cases where the usual methods of proving them are 
 unavailable ; as, for instance, where the party who made the 
 demand and gave the notice is dead, and where a notarial cer- 
 tificate or record is inadmissible evidence. (^) It would also 
 seem beneficial where the evidence is defective for some reason 
 rather technical than just ; as, for instance, in case where the 
 
 (n) Bruce v. Lytle, 13 Barb. 163. 
 
 (o) Lawrence v. Ralston, 3 Bibb, 102; Shnrkey, C. J., Robbins v. Piiickard, 5 
 Smedcs & M. 51, 73; Bibl) v. Peyton, 11 id. 275. In Hyde v. Stone, 20 How. 170, 
 the insertion of the bill among the debts of tlic insolvent, upon bis schedule, was held 
 evidence of notice, the sufficiency of wbicii is for the jury, and not subject to review in 
 the Supreme Court of the United States. See Ricketts v. Toulmin, 7 Law J., K. B. 
 108 ; Jack.son v. Collins, 17 Law J., N. S., Q. B. 142. 
 
 (p) Commercial Bank v. Clark, 28 Vt. 325. In Duvall v. Farmers' Bank, 9 Gill & 
 J. 31, the agreement relied on was written, but lield subject to be rebutted by other 
 proof. 
 
 (7) SlKirkcji, C. J., in Ifobliins v. I'iiickard, 5 Sniedes & M. 51, 72, said : " The no- 
 tary, it s('(!?ns, died after suit brouglit, and before trial ; and in such cases it is com- 
 petent to resort to sccoruiary evidence. This may account for the inability of tho 
 plaintiff to prove notice, and furnish a reason why no such ])roof was attcni|)ted. 
 Under such circumstances, it is [jcculiarly proper to open the door for the admission of 
 presumptive evidence, and the; promises of the defendant were sufficient to raise the 
 Btrongesl prcsumj)tions against him."
 
 CH. Xiri.] EXCUSES FOR WANT OF NOTICE. 627 
 
 ])roof of notice is that it was deposited in the post-office of the town 
 Avhere the indorser lives. There is eevtainly in siieli eases, under 
 the existing regulation of the mails, more probability that a notice 
 so deposited will reach the party for wdiom it is intended than if it 
 were mailed for a distant place. Because in the first instance there 
 are only the chances of neglect in one post-office to be considered, 
 while in the latter there are generally the chances of neglect in sev- 
 eral offices, and the risk of negligence and loss incurred in the trans- 
 portation of the mail from place to place to be taken into account. 
 An indorser waives demand and notice by taking the note into 
 his own possession, and undertaking to collect \t,{qq) or who buys 
 property of the makers and agrees to pay for it by paying the 
 note.(g'r) If an indorser consents to an extension of time for the 
 payment of a note, he waives demand and notice at the original 
 maturity of the note. Whether he is entitled to demand and notice 
 when the extension expires seems to be held, but we should have 
 doubt of this.(g.s) 
 
 SECTION V. 
 
 GENERAL REMARKS ON THE SUBJECT OF EXCUSE FOR NON NOTICE. 
 
 It has already been stated, that a notice duly sent by a subse- 
 quent to a prior indorser enures to the benefit of the intermediate 
 indorsers ;(r) therefore an indorser who has been compelled to take 
 up a note may show, by way of excuse for not giving notice him- 
 self to the indorser whom he wishes to hold, that one of the subse- 
 quent indorsers gave due notice to the defendant. In the eases 
 which support this doctrine there appears to have been an actual 
 recej)tion of the notice, and it would seem to be still unsettled 
 whether the rule applies to such cases only. Thus, as has already 
 been said,(s) if the holder, after making the necessary inquiries, and 
 using due exertions to find where an indorser lives, should send the 
 notice to the wrong place, the indorser would be liable to him, 
 although the notice was never received. The question might arise 
 here, whether these facts, or this excuse, would so far enure to the 
 benefit of an intermediate indorser who has been compelled to take 
 up the bill, his liability being undoubted, that they would consti- 
 tute a valid excuse, in his behalf, for not himself notifying the in- 
 dorser. There would seem to be good reason for holding him liable, 
 upon the ground that the intermediate indorser, u])on payment of 
 the bill, was subrogated to the rights, and stood in the place of the 
 subsequent indorser. We are aware of only one case in which 
 
 (qq) Braise v. Spalding. 52 Penn. 247. 
 (qr) Whitredge v. Kidcr, 22 Md. 548. 
 (qn) Wulker v. GnihMin, 21 Ln. Ann. 209. 
 (»•) iSif.prn, \\ 504, note a. 
 (sj Siipra^ p. 496, note li.
 
 'J28 NOTES AND BILLS. [CH. XHI. 
 
 ihis question was presented distinctly for adjudication. In this 
 the indorser sued was held liable in the court below, and this 
 decision appears to have been overruled by a higher tribunal in 
 the same jurisdiction. The facts of the case, however, show 
 that the plaintiff was himself the principal cause of the notice 
 having been missent ; and that he actually knew where the 
 defendant resided, and, by implication at least, that the notice 
 had been transmitted to the wrong place. (^) 
 
 It is a sufficient excuse for delay in presenting a note or bill 
 payable on demand or at sight, to prove that it has been put 
 into circulation by different parties, (m) and the same would 
 doubtless be true with respect to notice. But where a note or 
 bill on demand has been actually dishonored on presentment, 
 the indorser is entitled to notice within the same time as in 
 the case of other notes and bills, (y) unless the paper has come 
 into the hands of a holder in good faith, ignorant of the 
 laclies of the party who presented it, and who is not himself 
 negligent in taking the necessary steps to fix the liability of the 
 indorser. 
 
 Notes and bills in which no time for payment is specified 
 stand upon the same footing,(?/;) and, in many respects, so do 
 
 (0 Beale v. Parish, 24 Barb. 243, overruled 20 N. Y. 407. The plaintiffs had 
 indorsed to a bank ; and the notary, after inquiring at the bank, which could give no 
 information, gave notice to the plaintiffs, and asked them where he should send the 
 notice to the first indorser. They answered that he should send the notice to Dunkirk 
 or Buffalo, and requested him to forward the notice to both places. The plaintiffs 
 knew that the indorser resided in Canandaigua, and gave their direction through mis- 
 ap|irchi'iision, there l)citig no pretence of intentional misrepresentation on their part. 
 Tiie Supreme Court held the defendant liable, mainly on the ground of subrogation, 
 Roosevik, J. delivering a short opinion to this effect. Peobodi/, J. dissented, mainly on 
 the ground that the right of subrogation did not exist, but alluded to the " careless 
 misdirection " of the plaintiff. Grover, J. delivered the overruling opinion of the 
 Court of Appeals, wliicli proceeded on two grounds. One was, that the bank was 
 bound to send a new notice as soon as it discovered the inistake in the first, and there- 
 fore could not have recovered on the note, had they continued to hold it. But this 
 seems in direct contradiction to T^rtmbert v. Ghiselin, 9 How. .5.52, which liolds that, if 
 a notice be sent after reasonable diligence, altbongii ineffectually, the right of action at 
 once accrues. The other ground was, that if the bank had tlie right of action, it did 
 not [lass by Hul)n)gation to the plaintiff, and that " there is lu) authority for holding 
 that an excuse; for the omission to serve notice by the holders shall extend to other 
 parties for whom tbcri! is no such excuse." 
 
 (m) Siifirii, p. 2fi8, note li. 
 
 (/') Siiinii, p 51 1), note m. 
 
 (w) iSnpra, p. '381.
 
 CH..XIII.] EXCUSES FOR WjNNT OF NOTICE. 629 
 
 notes indorsed after maturity ; (x) but there are authoi'itics iu 
 which it is said that notice sent within two months after a de- 
 mand of such a note was sufficient,(?/) and that no notice was 
 necessary, (s^) 
 
 It may be laid down as a universal rule, that neither knowl- 
 edge or the probability, however strong, that a note or bill will 
 be dishonored, (a) nor mere knowledge that the bill has been 
 dishonored, not obtained in the regular manner, and from a 
 party who has the riglit to give notice, is the equivalent of legal 
 notice ; and hence it does not constitute any excuse for failuro 
 to give this in the proper manner. (6) It has been said, that the 
 
 (x) Supra, p. 268, note 7, p 381, note/. 
 
 ()/) Supra, p. 519, note q. 
 
 (z) Supra, p. 519, note r. 
 
 (a) Cresswdl, J., Gaunt v. Thompson, 7 C. B. 400, 409. As an illustration of this, 
 the known insolvency of the maker constitutes no excuse. 
 
 (6) In Tindal v. Brown, 1 T. R. 167, 169, Ashhurst, J. said : " Notice means something 
 more than knowledge." In Esdaile v. Sowerby, 11 East, 114, Lord El/mliorouffk said : 
 " As to knowledge of the dishonor by the person to be charged on the bill being equiv- 
 alent to due notice of it, given to him by the holder, the case of Nicholson v. Gouthit, 
 2 II Bl. 610, is so decisive an autiiority against that doctrine, that we cannot enter 
 again into the discussion of it." In Burgh v. Legge, 5 M. & W. 418, 420, Parke, B said : 
 " There must be proof of a notice given from some party entitled to call for payment 
 of the bill, and conveying in its terms intelligence of the presentment, dishonor, and 
 parties to be held liable in consequence. That is the true meaning of the word 'no- 
 tice,' when used in declarations of this kind, and the mere knowledge of a party is not 
 enough." Alderson, B. said : " I think we ought to construe the word ' notice ' as 
 meaning a notification of the fiict of the bill having been dishonored after the present- 
 ment took place ; and it is fiir better for the advancement of justice to adhere to this 
 simple meaning, than to confound notice with knowledge." In Miers v. Brown, 11 
 M. & W. 372, 374, Alderson, B. said : " Knowledge of the dishonor, obtained from a 
 communication by the holder of the bill, amounts to notice " See also the remarks of 
 Cri'sswell, J., in Gaunt w. Thompson, 7 C. B. 400, 410. In that case the holder pre- 
 sented the bill at the house of the acceptor, and the defendant, the drawer, to whom 
 the bill was shown, said that he was the executor of the acceptor, and requested the 
 holder to let it stand over a few days. It was objected that this did not constitute due 
 notice to the drawer, because knowledge was not notice ; but it was held to be sufficient. 
 During the argument, it was asked by counsel whether notice was necessary where the 
 drawer married the acceptor, between acceptance and maturity. Williams, J. replied 
 by asking bow it would be if the holder employed the drawer to present. In Agan v. 
 M'Manus, 11 Johns. 180, the holder left the note in the indorser's hands, the indorser 
 being his attorney, to compel payment from the maker. A question arose as to 
 whether this constituted notice ; but it appeared that the holder had before called upon 
 the maker for payment, and had not given any notice of the refusal. Thompson, C. J. 
 said : " It is evident, therefore, that, when the note was left with the defendant, it was 
 not intended as a notice of non-payment, or a demand of payment from the indorser ; 
 for it was left, as is stated, for the purpose of obtaining the money from the maker." 
 53*
 
 030 NOTES AND BILLS. [CH. XHL 
 
 excuse arising from want of funds may be an exception, but we 
 have seen that this depends upon a different and entirely distinct 
 principle. (c) It has also been frequently said, that notice to one 
 partner was notice to the firm, because the knowledge of one 
 was the knowledge of all. But we should prefer to consider this 
 rule, so far as relates to the law of notice of dishonor of nego- 
 tialile paper, as dependent, not upon knowledge, but upon the 
 identit)^ of interest between each partner and ihe partner- 
 ship, making each member, so far as relates to notice, in fact 
 the firm. 
 
 It may likewise be laid down as a rule, equally universal with 
 the preceding one, that absence of injury from want of notice is 
 now no excuse for negiect,(^) and evidence to prove want of 
 injury is inadmissible. (e) 
 
 See the remarks of Duncan, J., Juniata Bank v. Hale, 16 S. & R. 157, 160. In Corv v. 
 Scott, 3 B. & Aid. 619, 622, Abbott, C J., referring to Walwyn v. St. Quintin, 1 Bos. 
 & P. 652, said : " That decision which substituted knowledge for notice I have always 
 
 regretted As I iiave always thought that it would have been better never to 
 
 have considered knowledge as equivalent to notice, I cannot consent to carry the law 
 one step further." 
 
 (c) Supra, p. 545, et seq. 
 
 (d) Bullei; J., in Bickerdike v. Bollman 1 T. R. 405, said : " On the second trial 
 of the cause of Tindal v Brown, 1 T. R. 167, before me at Guildhall, the jury told me 
 they found their verdict for the plaintiff on the ground that it had not appeared from 
 the evidence tliat any injury had arisen to the party from want of notice. In conse- 
 quence of which, upon the subsequent trial, I told the jury that, when a bill was ac- 
 cepted, it was prima facie evidence that there were effects of the drawer in the hands of 
 the acceptor. The mistake of the jury on the former occasion had arisen from their 
 taking it for granted that the drawer had not been injured by the want of notice, be- 
 cause he had not proved it, whereas that proof lay on the plaintiff to produce." In 
 Hill V Martin, 12 Mart. La. 177, Porter, J. said : "The plaintiffs read from Chitty, 
 p. 151, to show that, when the indorser was not injured by want of notice, the laches to 
 give it was cured. This rule is stated in a note to the edition of 1809, but it is not 
 law." See the remarks oi Abbott., C. J., in Hill v. Heap, Dow. & R., N. P. 57. 
 
 (e) In Dennis v. Morrice, 3 Esp. 158, Glbbs, counsel for the plaintiff, said: "The 
 principle upon which notice has been held necessary to be given to the drawer is, that 
 he may receive a prejudice from the want of notice, as he might take his effects out of 
 the hands of the drawee ; if, therefore, I can show that no prejudice whatever arose 
 to the drawer from the want of notice, that shall dispense with the necessity of it. If 
 the plaintiff is not allowed to go into this kind of evidence, the drawer must hold the 
 motK'V received from the payee as the consideration of the bill, without the possibility 
 of its ever being recovered." But Lord Kcni/on said : " I cannot hold the law to be so. 
 The only case in which notice is dispensed with is where there are tio effect* of the 
 finiwer in the drawets's hands. This would be extending the rule still further than iver 
 han been done, and opening new sources of litigation, in investigating whether in fact 
 the drawer did reeeive a iirejiidieo from the want of notice or not." The evidence 
 WU8 rejected, luid the plaintiff nonsuited.
 
 CH. XIII.] EXCUSES FOR WANT OF NOTICE. 631 ' 
 
 As iui illustration of the stringency of the rule, the holder in 
 one case attempted to excuse a failure to give notice of non- 
 acceptance to an indorser, on the ground that, two months be- 
 fore the bill should have been presented for acceptance, the 
 drawer had become insolvent, all his efifects had been attached, 
 and he himself had absconded ; but notice was held neces- 
 sary. (/) 
 
 From an early case, it would appear, as we have intimated, 
 that originally the drawer was held, unless he could prove actual 
 injury by neglect or laches in giving notice. (g*) It may be sup- 
 posed that after a while the mere lapse of time was considered 
 prima facie proof of injury, and that finally, owing to the diffi- 
 culty of proof in most instances, the rule was laid down strictly, 
 that notice is necessary whenever there is a possibility of in- 
 jury ; (A) and as there is scarcely any case in which it may 
 not be possible for injury to be received in some way from 
 want of notice, we may say that a failure to give it in the 
 proper manner is so entirely conclusive evidence of injury, that 
 absence of injury is entirely immaterial. 
 
 However strong an influence the matter of injury may have 
 had in the gradual formation of the law with respect to no- 
 tice, we tliink that now there is no connection between them, 
 and that this, as a reason, has entirely disappeared. The only 
 exception to be urged against this conclusion is the sugges- 
 tion that has been made,(i) that a party who has no reason- 
 
 (f) May V. Coffin, 4 Mass. 341. In this case the counsel said: "Ail his property 
 was gone from him, and that even his body was not within the reach of legal process. 
 Of what conceivable use, then, could notice have been 1 Certainly not to enable the 
 defendant to secure himself." So notice to an indorser was held necessary in Nash v. 
 Harrington, 2 Aikens, 9, where the maker, an insolvent, was in prison for debt at the 
 maturity of the note, and had no attachable property. 
 
 (g) Mcggadovv v. Holt, 12 Mod. 15, decided in A. D. 1691, where the court said : 
 " The law of merchants in this case is, that if he who has such a bill lapse his time, 
 and do not protest, or make his request, if any accident happen by this neglect, in 
 prejudice to the drawer, he hath lost his remedy against liim ; but if such a thing 
 had happened, it ought to have come of the other side, and not being so, we muse 
 judge on the declaration." Judgment was given for the plaintiff. This case is also 
 reported Mogadara v. Holt, in 1 Show. 294. 
 
 (h) Marshall, C. J., in French v. Bank of Columbia, 4 Cranch, 141, 154, said : " The 
 law requires this notice, not merely as an indemnity against actual injury, but as a 
 security against a possible injury, which may result from the laches of the holder of 
 the bill." 
 
 [i) Supra, p. 551, note c.
 
 632 NOTES AND BILLS. [CH. XIO. 
 
 able grounds to expect that his bill will be honored, may still 
 object to what would otherwise be a perfect excuse for failure 
 to give due notice, by proving actual injury. But this we 
 have doubted, because a party can have no right to complain 
 that he has been injured by the direct consequence of his own 
 wrongful act. We have also expressed an opinion tliat the 
 doctrine relating to the excuse of want of funds proceeds upon 
 otlier principles or reasons than that of injury, (j) altliough 
 this has been frequently given as the reason. (/c) 
 
 With respect to the pleading as regards notice it may be 
 observed, that objection to the want of it should be taken before 
 verdict, otherwise it will be taken for granted that due notice 
 has been given. (/) 
 
 (/) Supra, p. 551. 
 
 {k) In Mechanics' Bank v. Griswold, 7 Wend. 165. 168, A'e/so;?, J. said: "Upon 
 the maxim that, when the reason for the rule of law does not exist, it ought not to be 
 applied, it has frequently been decided that, in cases where the non-payment by tho 
 maker, and failure of notice to the indorser, cannot possibly operate to the injury of 
 the indorser, the omission will not discharge him." The judge then goes on to ex- 
 plain the various excuses for want of notice on this ground. This same proposition 
 is laid down more emphatically by Cowen, J., in Commercial Bank v. Hughes, 17 
 Wend. 94, 97, who said : " Formerly it was necessary, in order to complete the de- 
 fence, that the drawer should prove damage to himself arising from the holder's 
 laches ; but now it will be presumed. Yet the presumption is not conclusive. If it 
 appear in truth that no damage could arise, the necessity for presentment or notice 
 does not exist We certainly have a very strong current of authority for say- 
 ing that, where the indorser or drawer has plainly suffered nothing, and can sustain 
 no mischief for want of demand and notice, none need be made or given ; and it 
 accords with the true and only reason why such demand and notice are called for. 
 The question seems merely to be one of evidence. The drawer or indorser is pre- 
 Bumed to have been injured by the omission, until the plaintiff, by proof on his side, 
 remove all chance of damage." It would seem, from the facts of the case, that the 
 judge was inclined to the O[(inion that, where the drawer of a bill liad liinisclf re- 
 ceived the amount, as by getting it discounted, be would not be entitled to notice. 
 There is a dictum of Thompson, C. J., in Agan v. M'Manus, 11 Johns. 180, 181, 
 somewhat to the same effect. But this is opposed to the case of Dennis v. Morrice, 
 3 Ksp 158, supra, p. 6.30, note e., and cannot, we think, be supported. We should also 
 dissent from the principle as laid down by Mr. Justice Cotven. 
 
 (I) Cornwall v. Gould, 4 Pick. 444.
 
 CH. XIV 1 PKo IKS r. 633 
 
 CHAPTER XIV. 
 
 OF PROTEST AND OF RE-EXCHANGE. 
 
 SECTION I. 
 
 OF PROTEST. 
 
 When negotiable paper is protested, the protest is made before 
 a notary public, (m) if there be such an officer within reach. If 
 not, it is said that it may be made before any respectable inhab- 
 itant of the place, before two proper witnesses. (w) 
 
 {m} The origin of tiie term iioiaiy is traced as far back as the ancient Roman Re- 
 public, when the term riolarius was applied to a person who was occupied in taking 
 down the words of a speaker in notes or writing (Hobe). The notarii were short-hand 
 writers, and that they used symbols of abbreviation is clear from many passages of an- 
 cient writers ; the persons employed in this service were often slaves. But the functioii> 
 of the modern notary pubhc were doubtless derived from a class of public officers, men- 
 tioned under the later Roman law by the name of tubclliones, whose business it was to 
 draw up contracts, wills, and other legal instruments to be presented to the courts of 
 hiw, or other authorities of state. 'I'o make these documents legal evidence for judi- 
 cial purposes, it was at length found necessary to require by law that they should be 
 attested by witnesses, and that the notary (tabdlio) should be present in person at the 
 drawing up of the document, and also should affix his signature and the date of the 
 execution. Under the Frankish kings, officers exercising similar functions were called 
 cancdlarii and notarii. In England, notaries appear to have been known as public 
 officers before the Norman conquest Spelman cites some charters of Edward the 
 Confessor as being executed for the king's chancellor by notaries (Gloss., Tit. Nutarius). 
 It is certain that they were employed at a very early period to attest and authenticate 
 instruments of moment and solemnity. They are mentioned in the statute of 27 Edw. 
 Ill c. 1. It is generally supposed that the power of admitting notaries to practice was 
 vested in the Archbishop of Canterbury by 2^ Hen. VIII. c. 21, § 4. 
 
 (n) Bayley on Bills, c. 7, § 2 ; Chitty on Bills, p. 333. In Burke v. McKay, 2 
 How. 66, Stori/, J. said that, in many cases, even with regard to foreign bills of ex- 
 change, the protest may, in the absence of a notary, be made by other functionaries, and 
 even by merchants. See also Read v. Bank of Kentucky, 1 T. B. Mon. 91, in which 
 case it was held that it was no objection that a note held by a bank was protested, in 
 the absence of a notary, by a private person who was a stockholder in the bank, it be- 
 •ng sufficient that the witnesses were disinterested. It is not necessary for the witnesses 
 m such case to subscribe their names. It was further held in this case, that a private 
 Individ iia/ has no right to char<.'e fees for protesting. It is held, however, that a no-
 
 634 NOTES AND BILLS. [CH. XIV. 
 
 A notary public is a public officer, recognized as such all over 
 the commercial world. The instrument of appointment now in 
 use in England declares that full faith be given, " as well in 
 judgment as thereout," to the instruments by him to be made ; 
 and language of the same meaning is sometimes used in com- 
 missions to notaries in the United States. 
 
 Very great importance has always been attached to the attesta- 
 tion of a notary public. (o) He is considered as receiving and 
 noting the evidence or statements brought before him ; " to pro- 
 test," signifying literally " to testify before." He is regularly 
 appointed and commissioned, and has his seal, which must be 
 affixed to his official documents. (/>) 
 
 tary who is a stockliolder of a bank cannot make an admissible protest of a note for 
 the bank. Herkimer County Bank v. Cox, 21 Wend. 119; Bank v. Porter, 2 Watts, 
 141. Mr. Brooke, in his treatise on the office and practice of a notary of England, says 
 it does not appear that there is an usage, in the case of a protest of a foreign bill by 
 a private inhabitant of the place, to require any witnesses to such protest, p. 103. 
 In case of inland bills, it is required by the statute 9 & 10 William III. c. 17, that 
 the protest by a private person be made in the presence of two or n)ore credible 
 witnesses. Sec also stat. 3 & 4 Anne, c. 9, §§ 6, 9. It is provided by the commercial 
 code of France that all protests for non-acceptance or non-payment shall be made 
 by two notaries, or by one notary and two witnesses, or by a bailiff and two witnesses. 
 Art. 173. 
 
 (o) It is stated in Burn's Ecclesiastical Law, 9th ed., Vol. III. p. 11, that "one notary 
 public is sufficient for the exemplification of any act; no matter requiring more than 
 one notiiry to attest it " ; and the rule of the canon law as to the credit of a notary is unus 
 nolarius ceyui pollet duohus teslibus. Mr. Brooke tliinks it not improbable that Massingcr, 
 the dramatist, was satirically alluding to some such rule, when, in the drama of the 
 "New Way to Bay Old Debts," written before 1633, Sir Giles Overreach declares, — 
 
 " Besides, I know thou art 
 A public notary, and such stand in law 
 For a dozen witnesses." 
 
 Brooke's Notary, chap. 1 ; Burn's Ecclesiastical Law, Vol. III., Tit. Not. Pub. 
 
 {p) It is everywhere held, that it is a suthcicut autlicntication of a protest made in n 
 foreign country or state, that it purports to bo, and apparently is, under the seal of a 
 notary. Anonymous, 12 Mod. 34.5; Cliitty on Bills, 65.5; Townsley v. Sumrall, 2 
 Pet. 170; lialiiday v. McDougall, 20 Wend. 81 ; Carter y. Burlcy, 9 N. II. .5.58; Crow- 
 ley V. Barry, 4 Gill. 194 ; Bank of Kociuster v. Gray, 2 Hill, 227 ; Wells v. Whitehead, 
 1.5 Wend. 527 ; Kirkscy w. Bates, 7 Tort. Ala. .529 ; Fleming v. M'Clure, 1 Brev. 428; 
 Bryden v. Taylor, 2 Harris & J. 396 ; Cinisc ». Taylor, 4 id. 54 ; Nicholls v. Webb, 8 
 Wheat. 326 ; has Cuygas »;. Larionda, 4 Mart. La. 283 ; Ross v. Bedell, 5 Duer, 462. 
 But if the protest is not made by a notary, or is not under seal, there must be evidence 
 of the olliciul character of the officer, and of the laws of the state or country wiiero it 
 was made, showing that it was duly nnide according to the laws there existing. Per 
 Parker, C. J., in Carter v. Burley, 9 N. H. 558, 568; Chanoino v. Fowler, 3 Wend. 
 173 ; Bunk of Rochester v. Gray, 2 Hill, 227. And of course where a seal to the pro- 
 tCBt is required by the law of the Stale where it is made, a protest without the seal wil'
 
 CH. XIV.] PROTEST. 635 
 
 In the case of foreign bills, protested in a country other than 
 that in which the suit is brought, full faith and credit are 
 given to the instrument of protest ; and the original, or a duly 
 certified copy, are admissible in evidence of the acts therein 
 stated, so far as these acts are within the scope of a notary's 
 official duty.(^) In the case of inland bills, and even foreign 
 bills which are protested in the country where suit is brought, 
 the protest is not admissible in evidence, (r) unless the notary 
 has deceased since the protest was made. (5) In many of our 
 States, however, this whole subject is regulated by statute. (^) 
 
 not be received in evidence as such. Tickner v. Roberts, 11 La. 14. It was held, 
 however, in Lambeth v. Caldwell, I Rob. La. 61, that the want of a seal to the cer- 
 tificate of a notary was no objection to its admission in evidence as proof of notice to 
 the indorsers of a note upon which the action was brought. It was said in that case, 
 that there was no law requiring a notary to furnish himself with a seal. So also, in an 
 early case in Kentucky, it was held that a notary's certificate of a protest was sufficient, 
 under the statutes of that State, without a seal ; and the court seemed to be of the 
 opinion that such a seal was not required by the law merchant. Bank of Kentucky v. 
 Pursley, -3 T. B. Mon 238. As to the sufficiency of a notarial seal, it is held that one 
 stamped upon paper of sufficient tenacity to retain the impression is all that is required 
 by the strictest rules of the common law. Ross v. Bedell, 5 Duer, 462 ; Carter v. 
 Burley, 9 N. H. 5.58 ; Bank of Manchester v. Slason, 13 Vt. 334 ; Connolly ». Good- 
 win, 5 Calif. 220. But see Bank of Rochester v. Gray, 2 Hill, 227. See Kirksey v. 
 Bates, 7 Port. Ala. .529, as to the requisitions of notarial seal under the statute of the 
 State. But a scrawl is not a sufficient authentication, except in States where a scrawl 
 or " Locus sigilli" is generally held to be the equivalent to a seal. Setnble per Parker^ 
 C. J., in Carter v. Burley, 9 N. H. 588, supra, p. 634, note p. 
 
 (7) Townsley v. Sumrall, 2 Pet. 170, 178 ; Bryden v. Taylor, 2 Harris & J. 396. 
 
 (r) Nicholls v. Webb, 8 Wheat. 326, dictum; Chesmer v. Noyes, 4 Camp. 129. 
 
 (s) Nicholls V. Webb, 8 Wheat. 326. 
 
 (t) This is a matter of statutory regulation in many of the States. In New Hamp 
 shire it is provided that '' the protest of any bill of exchange, note, or order, duly cer- 
 tified by any notary public, under his hand and official seal, shall be evidence of the 
 facts stated in such protest, and of the notice given to the drawer or drawers." Comp. 
 Stats. 18.53, p. 70, § 3. This statute is held to apply to protests of both foreign and 
 domestic bills, and whether made by a notary resident in the State or elsewhere. The 
 protest is only prima ftcie evidence of the facts stated, including the notice. Where 
 the notary certified that he duly gave notice to the indorsers, without reciting what was 
 done to give notice, the notice must be regarded prima facie to have been personal and 
 actually given ; and the insertion of the word duly does not vitiate the protest, on the 
 ground that it is a conclusion of law. These points are decided in the late case of Rush- 
 worth V. Moore. 36 N. H. 188. The same points in regard to notice were decided in 
 the same way in a recent case in Maine, Ticonic Bank v. Stackpole, 41 Maine, 321, in 
 wnich State the same statutory provision existed until recently, it being omitted in 
 the late revision of 1857. See R. S. of 1840, c. 44, § 12. Under that statute it was 
 held that the certificate was not conclusive evidence of the facts stated as to the giving 
 01 notice. Bradley v. Davis, 26 Maine, 45. See Loud v. Merrill, 45 Maine, 516, 521. 
 By the Revised Statutes of Maine of 1857, p. 273, \ 4, it is provided in general terms
 
 ()86 NOTES AND BILLS. [CH. XIV. 
 
 But while the protests or certificates of protest of a notary 
 
 that all coines or certificates granted hy a notary, under his hand and notarial seal, 
 shall be received as legal evidence of such transactions and of all the facts therein con- 
 tained. 
 
 In Connecticut, it is provided that protests of inland bills of exchange, and promis- 
 sory notes protested without the State, shall be admitted as prima facie evidence of tlie 
 facts therein stated. Compilation of Stats. 1854, p. 9-3, § 128. 
 
 In New York, Wisconsin, and California, it is provided that the certiticate of a notary, 
 under his hand and seal of office, of tlie presentment by him of any promissory note or 
 bill of exchange for acceptance or payment, and of any protest of such bill or note for 
 non-acceptance or non-payment, and of the service of notice thereof, specifying the 
 mode of giving such notice, and the reputed place of I'esidence of the party to whom 
 the same was given, and the post-office nearest thereto, shall be presumptive evidence 
 of the facts contained in such certificate. But in New York it is provided that this pre- 
 sumption shall not apply to any case in which the defendant shall annex to his plea an 
 affidavit denying the fact of having received notice of non-acceptance or non-payment 
 of such bill or note ; nor to any case of a protest of an inland bill of exchange or of a 
 promissory note made by any notary of that State, except in case of the death, insan- 
 ity, or absence of the notary, so that his personal attendance or his testimony cannot be 
 procured. 
 
 In New York and Wisconsin, it is further provided that any note or memorandum, 
 made and signed by the notary at tlie foot of the protest or in a record, shall in the 
 same way be presumptive evidence of notice sent; and in California it is provided that 
 a certificate of a notary public, drawn from his record, stating the protest and the facts 
 therein contained, shall be evidence of the facts in like manner as the original protest. 
 See R. S. of N. Y., 4th ed., VoL II. pp. 470, 471, §§ 33-36; R. S. of Wis. 1858, c 
 12, ^§ 4, 6 ; Woods's Dig. of the Laws of Cal , 1858, p. 554, Art. 2848. Under these 
 statutes it is not necessary to state the form of the notice given, McFarland v. Pico, 
 8 Calif 6-26 ; nor the hour of presentment, Cayuga Co. Bank v. Hunt, 2 Hill, 635. 
 The statute of New York, making notarial certificates evidence, applies only to pro- 
 tests made within the State by notaries of that State. Kirtland v. Wanzer, 2 Duer, 
 278 ; Bank of Rochester v. Gray, 2 Hill, 227 ; dictmn of Harris, J. to the contrary, in 
 Bank of Vergennes v. Cameron, 7 Barb 143. And the provision making the mem- 
 orandum evidence of notice does not extend to a statement of tlie presentment and 
 demand of a note or bill. Otsego Co. Bank v. Warren, 18 Barb. 290. 
 
 In Pennsylvania, by an act passed I4th December, 1854, the protests of all notaries 
 public, certified, according to law, under their hands and seals of office, in respect to 
 the dishonor of all bills of exchange and promissory notes, and notice thereof, may be 
 received and read in cvidenc^e as proof of the facts therein stated ; and in Ohio the 
 instrument of protest of any notary public appointed and qualified under the laws of 
 that State, or the laws of any otlier State or Territory of the United States, acconi- 
 panving any bill of exchange or promissory note which lias been protested for non- 
 acceptaiK-e or non-payment by such notary, shall be held and received as prima facie 
 evidence of the facts tliercin certified. But in both Pennsylvania and Ohio it is pro- 
 vid(!d tluit any j)arty may be permitted to contrtidict by other evidence any such certifi- 
 cate. See Purdon's Dig. 1857, p. 1138 ; R. S of Ohio, 18')4, c. 75, ^ 6. 
 
 The notarial certificate of protest is evicb'tico of the facts therein set forth, although 
 the notiiry, when cxamin(!d, has no recoll'dion of them ; for the statute makes tlie 
 ccrtificule Miflicicnt evidence of the facts therein certified, in tlie absence of contradictory 
 proof. Shcrer v. ICaston Bank, 33 Pciin. State, 134.
 
 CH. XIV.] PROTEST. 637 
 
 public are admitted in evidence, and this evidence is entitled to 
 
 In Maryland, Virginia, North Carolina, Tennessee, and Iowa, it is provided, in sub- 
 stance, that a protest duly made by a notary public of a bill of exchange, wlieiiier for- 
 eign or inland, for non-acceptance or non-payment, or of a promissory note for non- 
 payment, shall be prima facie evidence of such non-payment or non-acceptance, and 
 tliat presentment was made and notice given in the manner stated. Dorsey's Laws of 
 Aid., Vol. II. p. \-2bl, c. -2.5.3, Act of 18.37 ; Graham v. Sangston, 1 Md. .59; Code of Va. 
 1849, c. 144, § 7 ; R. Code of N. Car. 1854, c. 13, § 9 ; Code of Tenn. 1858, §§ 1799, 
 1800; Code of Iowa, 1851, § 2414. In Tennessee, it is further provided, that, afier the 
 notary's death, his record of notice of dishonor shall be prima facie evidence of the fact. 
 Code, supra, § 1801. 
 
 The design of the statute of Maryland, as to the mode of proof of demand and 
 notice, was to place foreign and inland bills upon the same footing, and, as regarded 
 inland bills and notes, to dispense with the necessity of adducing oral proof of demand 
 and notice, by substituting therefor the protest of the notary ; and the protest is suffi- 
 cient in form, if it states in substance a demand and notice. I'er Archer, C. J., in 
 Barry v. Crowley, 4 Gill, 194. 
 
 In Michigan, notaries ])ublic are empowered to demand acceptance of foreign and 
 inland bills of exchange and promissory notes, and to protest the same ; and his certifi. 
 cate, under his hand and seal, of the official acts done by him is made presumptive 
 evidence of the facts contained in it ; but such certificate is not notice of non-accept- 
 ance or non-payment in any case in which a defendant shall annex to his plea an 
 affidavit denying the fact of having received such notice. Compiled Laws of 1857, 
 Vol. L Chap. X. §§ 112, 113. 
 
 In Minnesota, it is made the duty of a notary, in protesting bills and notes, to give 
 notice of protest, and to certify, in the instrument of protest, the time and manner of 
 the service of such notice ; and the protest of any notary public, appointed under the 
 laws of that State, or the laws of any other State or Territory of the United States, is 
 made prima facie evidence of the facts therein certified, provided that any partv may 
 contradict by other evidence such certificate. The record of the protest, or a certified 
 copy of the record, is made evidence in the same way. Com[)iled Statutes of 1859, 
 p. 134, §§ 5, 6. 
 
 In Indiana, the official certificate of a notary public, attested by his seal, are pre- 
 sumptive evidence of the fiicts therein stated, in cases where, by law, he is authorized 
 to certify such fiicts ; and he is authorized to do all such acts which, by common law 
 and the custom of merchants, a notary is authorized to do. R. S. 1852, Vol. I. p. 378. 
 c. 76, §§ 5, 6. Another statute in similar terms declares that the certificates or instru- 
 ments purporting to be the official act of a notary public of that State, or of any other 
 State or Territory of the United States, and purporting to be under the seal and signa- 
 ture of such notary, shall be received as presumptive evidence of the official character 
 of such instrument, and of the facts therein set forth. Id., Vol. II. p 91, § 281. 
 Under these statutes it is held that a protest of a promissory note, with a certificate of 
 notice made by a notary of another State, is admissible evidenc-e, without proof of its 
 execution. Shunklin v. Cooper, 8 Blackf. 41. This decision was affirmed in Turner 
 V. Rogers, 8 Ind. 139, where it was held, that, so far as presentment, demand of pay- 
 ment, and the transmitting of notice are concerned, the protest of a promissory note in 
 such case is evidence ; and the court say, that the universal practice of the commercial 
 community indicates the propriety of this rule. So in case of a bill of exchange. 
 Dickerson v. Turner, 12 Ind. 223. 
 
 In South Carolina, it is provided that, where the notary who lias made protest of any 
 
 VOL. I. 54
 
 638 NOTES AND BILLS. [CH. XIV. 
 
 much weight, it is, however, open to rebutter. The truth of the 
 
 inland bill or promissory note is dead, or resides out of the district in which such note 
 or bill is sued, his protest shall be received as sufficient evidence of notice in any action 
 against any parties to the bill or note. Statutes at Large, Vol. VI. p 182. 
 
 In Georgia, certificate and protest by notaries public, under their hand and seal, for the 
 non-acceptance of any bill of exchange, or for the non-payment thereof, or of any note, 
 are prima fade evidence of the facts therein stated ; provided that either party may 
 have the benefit of the testimony of such notary if necessary, and provided that either 
 a copy or the original of such protest is filed in court. Cobb's New Dig. 1851, Vol. I. 
 p. 273, § 27. 
 
 In Kentucky, it is declared that the notarial protest, under seal, of the non-acceptance 
 or non-pavment of a bill, shall be evidence of its dishonor; but the protest may bo 
 disproved.' R. S. 1852, p. 194, S 12. 
 
 In Arkansas, it is declared that a protest made by a notary public, under his hand 
 and seal of office, shall be allowed as evidence of the facts therein contained. Dig. of 
 Stats. 1858, c. 25, \ 12. Under this statute it is held that the certificate of a notary 
 who protested a bill, that he forwarded due notice of protest, though under his notarial 
 seal, is no evidence of the fact. Real Estate Bank v. Bizzell, 4 Ark. 189. There 
 must be actual proof of notice, according to the law merchant. Sullivan v. Deadman, 
 19 Ark. 484. 
 
 In Missouri, a notarial protest is evidence of a demand and refusal to pay a bill of 
 exchange, or negotiable promissory note, at tlie time and in the manner stated in such 
 protest. H. S. 1855, Vol I. p. 298, c. 18, § 20. 
 
 In Illinois, it is made the duty of notaries public to protest bills and notes, and to 
 give notice of the dishonor of the same ; and to keep a correct record of all such 
 notices, and of the time and manner in which the same have been served, of the 
 names of the persons to whom directed, and of the description and amount of the 
 instrument protested, which record is competent evidence to prove such notice. Com- 
 piled Statutes of 1858, Vol. IL p. 795, S\ 4, 5. 
 
 In New Jersey, notaries are required, upon protesting any foreign or inland bill or 
 promissory note, to record the time and place of the demand, and upon whom it was 
 made, with a copy of the notice sent, how it was served, and when, and if sent, in what 
 manner, to whom, and where, and when put into the post-office. Upon the death or 
 absence of the notary, this record, or a certified copy thereof, is competent evidence of 
 the matters contained in such record. Nixon's Dig. 1855, p. 668. ^§ 6, 7, 8. 
 
 In Mississippi, it is the duty of notaries public to make a record of all their proceed- 
 ings in relation to the protest of any bill or note, of whom, when, and wiicre the 
 demand was made, and of the notice given, and in what maimer ; and such record, or 
 a copy of the .same, verified by oath, is competent evidence of the facts therein stated 
 touching the dishonor of such bill or note. Rev. Code, 1857, pp. 413, 519. 
 
 In Louisiana, it is the duty of notaries to keep a record of protests of bills and notes, 
 of the notices given by them, the date of the notices, and the manner in wliich they 
 were served or forwarded, which record is legal proof of the notices. Notaries are also 
 authorized to make mention of the manner and circnmstMiices of the demand in their 
 protests, and by certificates added thereto to state the manner in which any notices of 
 protest were Hcrved or forwarded ; and, whenever they shall have so done, a certified 
 copy of Hiirh protest and certificate is cvidrncu of all matters therein stated. It. S 
 1856, p 45, SS 8, 9. 
 
 In 'l'(;xa-, the holders of at)y bill of exchange or promissory note may fix the liabil- 
 ity of any drawer or indorser of tiie bill or indorscr of the note, without any protest or
 
 CH. XIV.] PROTEST. 639 
 
 certificate may be disproved by evidence. (m) And the certifi- 
 cate is not itself even evidence of collateral facts. Thus a 
 statement that the drawer refused to accept because he had no 
 funds, is no evidence whatever of want of funds. (y) And even 
 where the statute of the State made the certificate of protest 
 evidence of all the matters it contains, and such a certificate 
 stated that the drawee expressed his willingness to pay the bill 
 in bank-notes of a particular description, it was held that this 
 was no evidence of such acknowledgment. (?«;) 
 
 So a recital, in a foreign notarial certificate, that the notary 
 had served the protest on the acceptor, in his own name, and as 
 agent of the drawer, is no evidence of the agency in an action 
 against the drawer, (.x') 
 
 It has, however, been held, not only that the notarial certifi- 
 cate is prima facie evidence that the demand was duly made of 
 the principal party, where it stated that the demand was made ; 
 but also, where it stated that the demand was made of an " at- 
 torney in fact," or of a clerk of the acceptor or maker, that it 
 was prima facie evidence that the attorney or agent was prop- 
 erly authorized to receive the demand and refuse payment. (//) 
 
 If paper be made, or drawn, or accepted, or indorsed in one 
 
 notice, by instituting a suit against tlie acceptor of the bill or maker of the note at 
 the next term of the District Court. And so in case of tlie non-acceptance. But 
 instead of this, protest may be made of the bill or note ; upon which it is the duty 
 of the notary to give notice thereof, and to note in his protest and notarial record on 
 whom, when, and how the notice was served ; and such protest, or a copy of the rec- 
 ord, under his hand and seal, is evidence of the facts therein set forth. Oldham and 
 White's Dig. 1859, p. 52, Arts. 94, 96, 97, 98. The provision which dispenses with 
 protest and notice also dispenses with a demand. Sydnor v. Gascoigne, 1 1 Texas, 449. 
 
 («) The truth of the statements in the certificates may be disproved. Gardner v. 
 Bank of Tennessee, I Swan, 420; Union Bank v. Fowlkes, 2 Sneed, 555. In Ricketts 
 V. Pendleton, 14 Md. 320, it was declared that, although the certificate of the notary is 
 made, by the act of 1837, prima facie evidence, yet, like all other evidence, it must be 
 submitted to the jury, and passed upon by them Such, no doubt, would be the ruling 
 of the courts in the United States generally, and we should say universally. 
 
 (v) Dumont r. Pope, 7 Blackf. 367. 
 
 {w) Maccoun v. Atchafalaya Bank, 13 La. 342. 
 
 (x) Coleman v Smith, 26 Penn. State, 255. 
 
 (y) Phillips V. Poindexter, 18 Ala. 579; Stainhack v. Bank of Virginia. 11 Gratt 
 260. And so in Whaley v. Houston, 12 La. Ann. 585, a notary having certified that ho 
 •' had presented the draft to a clerk of the drawees at their oflice, said drawees not being 
 in, and demanded acceptance thereof, and was answered that the same would not be 
 accepted " it was held that this was a sufficient presentment, the defendants being mer^ 
 ehants having a counting-room in New Orleans.
 
 640 NOTES AND BILLS. [CH. XIV. 
 
 country, and be payable in another, the question whether de- 
 mand and protest must be made, and notice given according to 
 the law of the place where the paper is payable, or according 
 to that where the signatures are made, has been much dis- 
 cussed, and may not now be certain. We think the true rule is 
 this. It being determined at what time the paper is mature 
 and payable, then the protest should be made by the law of 
 the place lohere the paper is payable, and therefore where the 
 protest is to be made. And the manner of making the demand 
 and protest must be governed by the same law. Then as to the 
 notice, this should be given by the notary making tbe protest, 
 and may be given by him according to the law whicli governs 
 his proceedings, or the law of his own place, or the place where 
 the paper is payable. If, however, distant parties (who may 
 receive their notice from the notary) transmit notice according 
 to the law of the place of their residence, in which they put 
 their names to the paper, tliis notice would be sufficient. And 
 if the notary himself, knowing the law of the foreign country to 
 which he sends notice to persons who there become parties to 
 the paper, should conform to that law, we should say that the 
 notice would be sufficient. (z) 
 
 (z) Carter v. Union Bank, 7 Humph. 548 ; Bank of Rochester v. Gray, 2 Hill, 
 227 ; Ellis v. Commercial Bank of Natchez, 7 How. Miss. 294 ; Carter v. Burley, 
 9 N. H. .558; Onondaga Co. Bank v. Bates, 3 Hill, 53; Grafton Bank v. Moore, 14 
 N. H. 142; Ross v. Bedell, 5 Duer, 462; Shanklin v. Cooper, 8 Blackf 41 ; Turner v. 
 Rogers, 8 Ind. 139 ; Chitty on Bills, 333. "By the common law," says Story, " the 
 protest is to be made at the time, in the manner, and by the persons prescribed, in 
 the place where the bill is payable. But as to the necessity of making a demand and 
 protest, and the circumstances under which notice may be required or dispensed with, 
 these are incidents of the original contract, which, are governed by the law of the place 
 where the bill is drawn. They constitute implied conditions, upon which the liability 
 of the drawer is to attach, according to the lex loci contractus." Conflict of Laws, ^ 360. 
 A recent Englisii writer upon the conflict of laws, Mr. Westiake, says : " I cannot 
 altogether agree with this doctrine. There is, no doubt, a sound distinction between 
 the events on the occurrence of which the drawer or indorser undertakes to pay, and 
 the notice given to him of their occurrence ; but the making a demand and protest, 
 when necessary by the law of the |)lace of payment, should, I think, rank among the 
 former no less than the dishonor itself; since, if these formalities be omitted, the drawer 
 may be impeded iti the exercise of his remedies against the acceptor. Besides, if the 
 necessity of di'mand and protest were determined by different laws for tlie drawer and 
 the Hpvcral indorsers, it might easily happen that one of those parties was made liable, 
 without being able to recover over from a previous one " The same author tliiid<s 
 tliiit Sforv bim given elsewhere a more correct statement of the rule, — in his Conflict 
 of Laws, 1) 260. " But the sulflcieucy of the notice after completion of the protest, if
 
 CH. XIV.] PROTEST. 641 
 
 We have said that the demand may perliaps be made by a 
 duly authorized clerk of the notary. But the usual way is for 
 the notary to present the bill himself. And the authorities in- 
 dicate that he must do so to make his certificate valid, (a) 
 
 any. may well be tested by the law of the place of drawing or indorsing, as a condition 
 implied in the contract, and which a regard for the contractor'.s own security does not 
 refer to any other law." Westlake on Private International Law, Art. 225. The 
 latter point, that the sufficiency of notice is governed by the law of the place of drdw- 
 ing or indorsing, is expressly held in the case of Cook v. Litchfield, 5 Seld. 279, 290. 
 Contra, see Rothschild v. Currie, 1 Q. B. 43, which was an action on the dishonor of a 
 bill drawn in England on a French house, and made payable in France, where it was 
 protested. The defendant had indorsed the bill in England ; and it was held that it 
 was sufficient that he iiad received such notice of the dishonor and protest as was 
 required by the law of France. See Allen v. Kemble, 6 Moore, P. C. 314. Shanklin 
 r. Cooper, 8 Blackf. 41, is in accordance with Rothschild v. Currie. 
 
 (a) The authorities generally indicate that the protest must be made by the notary 
 himself, and not by his clerk or agent. Leftlcy i'. Mills, 4 T. R. 170 ; Bayley on Bills. 
 210; Chitty on Bills, 459; Sacrider v. Brown, 3 McLean, 481 ; Chenowith v. Cham- 
 berlin, 6 B. Mon. 60 ; Bank of Kentucky v. Garey, id. 626 ; Carter v. Union Bank, 7 
 Humph. 548 ; Carmichael v. Bank of Pennsylvania, 4 How. Miss. 567 ; State Bank of 
 Indiana v. Hayes, 3 Ind. 400 ; Onondaga Co Bank v. Bates, 3 Hill, 53. In the lattei 
 case the notarial certificate of protest stated that the officer caused the note to be pre- 
 sented, &c. Nelson, C. J., delivering the opinion of the court, said, that the fair inference 
 to be drawn from the language of the certificate was, that the note was presented by 
 the clerk of the notary, or some third person ; and he held that the duties of a notary 
 in presenting notes and bills could not be thus delegated, and that the certificate was 
 insufficient. This decision was affirmed in Hunt ». Maybee, 3 Seld. 266, and also in 
 Warnick v. Crane, 4 Denio, 460. See also Stewart v. Allison, 6 S. & R. 324 ; Ellis 
 V. Commercial Bank of Natchez, 7 How. Miss. 294 ; Sheldon v. Benham, 4 Hill, 129. 
 Where it was in proof that the clerk of the notary made the demand, and the protest 
 stated that the notary himself made it. the protest was held inadmissible, because false. 
 In this case the clerk demanded, and in his deposition declared that he made the demand 
 and the notary made the protest. Held no sufficient evidence of a legal demand. Smith 
 V. Gibbs, 2 Smedes & M. 479 In Nelson v. P'otterall, 7 Leigh, 179, this question was 
 examined at length, and the opinion expressed that a demand by a clerk of a notary is 
 regular. See Atwell v. Grant, 1 1 Md. 101. Mr. Chitty remarks, that the observation of 
 Buller, J., in Leftley v. Mills, 4 T. R. 1 70, that the .notary must make the demand in per- 
 son, was a mere dictum, as far as relates to the custom of merchants or to foreign bills, for 
 the case|irose upon an inland bill, under the statute 9 & 10 \Vm. Ill , allowing such 
 protest; and he further remarks, that the practice of notaries in London and Liverpool 
 appears to be in direct opposition to the supposed necessity for the notary himself de- 
 manding payment. A correspondence took ))lace upon this subject, which is stated in 
 Mr. Chitty's work on Bills, p. 459. That it is sufficient for the clerk of the notary 
 to make the presentment is implied in Poole v. Dicas, 1 Bing. N. C. 649, 1 Scott, 
 600, in the Court of Common Pleas, although the point was not directly before the 
 court. See Sutton v. Gregory, Peake, Add. Cas. 150, where evidence of an entry in a 
 notary's book by a clerk since deceased was admitted to prove the presentment of the 
 bill. In Wilkins v. Jadis, 2 B. & Ad. 188; in Garnett v. Woodcock, 1 Stark. N. P. 
 475, 6 Maulc & S. 44 ; in Triggs v. Newniiam, 1 Car. & P. 631, 10 Moore, 249 ; and in 
 
 Vol. I.— 2 Q 54 *
 
 G42 NOTES AND BILLS. [CH. XIV. 
 
 Protest is necessary, by the universal law merchant, in the 
 case of foreign bills. (^) It has, indeed, been distinctly asserted 
 that it is the only legal evidence of notice in case of the dis- 
 honor of a foreign bill.(6') In this respect, oiir States would 
 undoubtedly be considered as foreign to each other, (i/) And 
 
 Philpott v. Bryant, 3 Car. & P. 244, the plaintiff recovered, on the evidence of the 
 presentment by the clerks of the notaries, this point not being raised. Mr. Brooke de- 
 elaK!s his knowledge of the custom of presentment by notaries' clerks for more than 
 forty years, and he gives an extended correspondence with notaries and business men 
 ill England, which is to the same effect (Notary, Appendix No. 14). A distinction 
 has been taken in some cases between a presentation by a clerk of a notary and one by 
 his deputy ; and where, as in New Orleans, the notary is authorized by law to em])loy 
 a sworn deputy to assist him, a protest by tlie deputy is good, he being clothed by the 
 appointment with an official character, in the same manner as a deputy under a sheriff. 
 Bank of Kentucky v- Garey, 6 B. Mon. 626 ; Chenowith v. Chamberlin, id. 60 ; Carter 
 V. Union Bank, 7 Humph. 548. Tlie notaries of New Orleans are authorized to ap- 
 point one or more deputies to assist them in making protests and delivering notices. 
 R. S. 1856, p. 391, § 19. See also McClane v. Fitch, 4 B. Mon. 599. In Burke v. 
 McKay, 2 How. 66, 72, Story, J. said, that " where, as in Mississippi, a justice of the 
 peace is authorized by positive law to perform the functions and duties of a notary, 
 there is no ground to say that his act of protest is not equally valid with that of a 
 notary. Quoad hoc, he acts as a notary." See also Bailey v. Dozicr, 6 How. 23, 29. 
 
 (6) Although a protest is a mere matter of form, it has become, by the custom of 
 mercliants, a " j)art of the constitution " of a foreign bill. Per Holt, C. J., in Borough 
 V. Perkins, 1 Salk. 131, 2 Ld. Raym. 992, 6 Mod. 80. See Gale v. Walsh, 5 T. R. 
 239 ; Orr ". Maginnis, 7 East, 359. 
 
 (c) Per Lord Mansfield, in Salomons v. Stavely, 3 Doug. 298. Noting for non- 
 acceptance without protest is not sufficient. Rogers v. Stevens, 2 T. R. 713, though 
 there be a subsequent protest for non-payment. Id., and Orr v. Maginnis, 7 East, 359. 
 So indis[)ensable is this formal notice of the non-acceptance or non-payment of a for- 
 eign bill of exchange, that no other evidence will supply the place of it, and no part of 
 the facts requisite to the protest can be proved aliunde. Carter v. Union Bank, 7 
 Hum|)h 548 ; Gardner v. Bank of Tennessee, 1 Swan, 420 ; Union Bank v. Hyde, 6 
 Wheat. 572. But notice of dishonor may be proved independently of the notarial act. 
 Bank at Decatur r. Hodges, 9 Ala. 631. And at common law, it is said that this is 
 the only way of proving notice. Rives v. Parmley, 18 Ala. 256 ; Williams v. Putnam, 
 14 N. H. 540. In France, a protest is essential in ca.se of tiic dislionor of inland as 
 well as foreign bills, and of promissory notes. Trim hey j; Vignicr, 1 Biiig. N. C. 151, 
 4 Moore & S. 695; Chitty on Bills, 170. And so in Scotland and the coiumcrcial 
 nations of Continental Europe a protest is indispensable upon the dishonor of inland 
 bills and promissory notes, and in this respect they arc not distinguished from foreign 
 bills Thomson on Bills, c. 6, ^ 2, pp. 442, 443, 2d ed ; Pardes. Droit Comm., Tom. 
 2, Art. 479, 480 ; Story on Notes, ^ 298 ; Commercial Code of France. Art. 187. 
 
 (d) This is now well established. Buckncr v. Finlcy, 2 Pet. 586 ; Dickins v. Beal, 
 10 id. 572 ; Bank of U. S. v. Daniel. 12 id. 32, 54 ; Lonsdale v Brown, 4 Wash. C. C. 
 86 ; Plucnix Bank v. Hussey, 12 Pick. 483 ; Brown v. Ferguson, 4 Leigh, 37 ; Rice v. 
 Hogiin, 8 Dunn, 133; Halliday v. McDougall, 20 Wend. 81 ; Wells v. Whitehead, 15 
 Wend 527; Carter v. Burley, 9 N. 11.558; Gnifion Bank v Moore, 14 N. K. 142; 
 Duncan v. Course, 1 Const. R. 100; Aborn i;. Bosworth, 1 R. I 401 ; Tlconic Bank
 
 CH. XIV.] PROTEST. 6-43 
 
 this would be held, not only when the drawer and drawee were 
 in different States, but when both resided in the same State, and 
 the bill was payable in another. (e) In some of our States, pro- 
 test of an inland bill is made necessary by statute, for the 
 recovery of damages. (/) But otherwise protest of inland bills 
 and promissory notes is not known to the law. (if) It is, how- 
 
 V. Stackpole, 41 Maine, 302 ; Robinson v. Johnson, 1 Misso. 434. In accordance with 
 these authorities is the doctrine of Da Costa v. Cole, Skin. 272, pi. 1, tliat a bill drawn 
 in Ireland upon England is to be considered as a foreign bill. See also Chaters v. 
 Bell, 4 Esp 48 ; Mahoney v. Ashlin, 2 B. & Ad. 478. On the same principle it is 
 considered necessary, and it is the custom, to protest bills drawn in Scotland or the 
 Isle of Man upon England. Brooke's Notary, 177. 
 
 (e) The argument from convenience is as strong in one case as in the other. Grafton 
 Bank v. Moore, 14 N. H. 142 ; Freeman's Bank v. Perkins, 18 Maine, 292. 
 
 ( /') See supra, p. 635, note t. 
 
 iff) That a protest of an inland bill is not required by the law merchant, see Union 
 Bank v. Hyde, 6 Wheat. 572 ; Nicholls i- Webb, 8 id. 326 ; Young v. Bryan, 6 id. 146; 
 Bailey v. Dozier, 6 How. 23 ; Smith v. Little, 10 N. H. 532; Taylor v. Bank of Illi- 
 nois, 7 T. B. Mon. 576; Bank of U. S. v. Leathers, 10 B. Mon. 64; Lawrence v. Ral- 
 ston, 3 Bibb, 102; Murry v. Clayborn, 2 id. 300; Turner v. Greenwood, 4 Eng. Ark. 
 44; Hubbard v. Troy, 2 Ired. 134; McMurchey v. Robinson, 10 Ohio, 496. 
 
 In England, a protest on inland bills of a certain description was allowed by statute 
 of 9 & 10 William III c. 17, and 3 & 4 Anne, c. 9 ; and it was formerly supposed 
 that a protest on such bills was necessary in order to enable the holder to recover inter- 
 est, but it is now settled that it is not essential for that purpose. Windle v. Andrews, 
 2 B. & Aid. 696 ; 2 Starkie, 425 ; Cliitty on Bills, 3.34. 
 
 In Mississippi, domestic bills drawn on and payable in that State, for the sum of $ 20 
 or upwards, are required to be protested in like manner as foreign bills, but no damages 
 shall accrue. R. C. 1 857, p. 356. Protest of inland bills is expressly allowed by statute 
 in several of the United States. Supra, p. 635, note t. That a protest of a promis- 
 sory note is not necessary, though made in one State and payable in another, see Kirt- 
 land V. Wanzer, 2 Duer, 278; Smith v. Ralston, 1 Morris, Iowa, 87; Young i\ Bryan, 
 6 Wheat. 146; Bay ». Church, 15 Conn. 15; Payne v. Winn, 2 Bay, 374; Smith v. 
 Little, 10 N. H. 526: City Bank v. Cutter, 3 Pick. 414 ; Evans v. Gordon, 8 Port. Ala. 
 142; Smith v. Gibbs, 2 Smedes & M. 479; Piatt v. Drake, 1 Doug. Mich. 296 ; Pink- 
 ham V. Macy, 9 Met. 174; Coddington v. Davis, 1 Comst. 186, 3 Dcnio, 16; Burke v. 
 McKay, 2 How. 66 ; Parke v. Lowrie, 6 Watts & S. 507 ; McFarhuid v. Pico, 8 Calif 626. 
 But although it is not necessary to prove the dishonor of a note by protest, it does not 
 follow that it maij not be proved in that way. In Carter v Burley, 9 N. H. 558, Parker, 
 C. J. seemed inclined to the view that a promissory note, made by a resident of one 
 State, and payable to a person residing in another, and indorsed so that it can be re- 
 garded as a bill, should be deemed a foreign bill so far as to admit the protest as evi- 
 dence in itself; but the decision of this point was expressly waived. This point was 
 again alluded to in Smith v. Little, 10 N. H. 526, 531 ; and finally the point was 
 brought directly before the same court in Williams v. Putnam, 14 N. H. 540, and the 
 same eminent judge declared that the court had no hesitation in adopting the concln- 
 sions to which the reasoning in those cases leads. " Each indorsement of a bill is in 
 efTet^V a new bill, drawn by the indorser upon the acceptor; and the similarity between
 
 34.1 NOTES AND BILLS. [CH. XIV. 
 
 ever, very common in practice, and, as has been said, is tlie most 
 convenient, and by force of usage might perhaps be regarded as 
 tlie most regular way of giving notice, and establishing tlie facts 
 of the case and the rights of the parties. It is held, however, 
 in some of our States, that the notarial certificate of protest and 
 notice of promissory notes is not a document known to the 
 law.(/i) And no protest will authorize any one to pay a note 
 " for the lionor of another." That is, if a stranger pays a note, 
 lie will acquire no riglits against any party, unless he has the 
 note transferred to him.(i) 
 
 Noting the protest means simply marking (usually and prop- 
 erly on the paper itself) the fact and time of the demand, the 
 charges of minuting, and sometimes the place and the name of 
 tlie parties of whom the demand is made, and it is signed by 
 the initials of the notary. This is sometimes said to be not 
 known to the law.(j') But tlie notary fills out his protest after- 
 wards (and it is only a fuller statement of all these facts), oi 
 may testify in court as to the facts, by using the noting to revive 
 his recollection. (/t) The notary, by usage, makes the demand, 
 
 the indorsement of notes and the drawing and indorsement of bills of exchange is so 
 great, that there can be no sound reason given for establishing or preserving a distinc- 
 tion between them, and requiring a different character of evidence to prove the same 
 facts with regard to two instruments, which, though different in some respects as to 
 their phraseology, are so essentially similar in their nature and operation." And so in 
 Ticonic Bank v. Stackpole, 41 Maine, 302, in an action against an indorser, such a note 
 was treated as a foreign bill, and the notarial protest was held legally admissible as 
 evidence by the common law, independently of any statutory regulation 
 
 (A) Thus in New York it is held that a jiromissory note payable in a foreign place 
 cannot be regarded as a bill of exchange so as to enable a protest of it to be read in 
 evidence. Kirtland v. Wanzer, 2 Duer, 278. In Indiana such a protest is admitted 
 under the statutes of that State. Shanklin v. Cooper, 8 BFackf 41 ; Turner c Rogers, 
 8 Ind. 139. 
 
 (i) See supra, ch. 9, sect. 4. See also Willis v. Hobson, 37 Jlainc, 403, siijmi, p. 257. 
 
 (/) As by Duller, J., in Lcftley v. Mills, 4 T. It. 170. Thomson, a Scotch writer 
 on Hills, p. 477, says, that " it seems to bo now held in Scotland and England, that 
 noliiifi is a kind of incipient protest." 
 
 (i-) It is said, that the protest may be formally diawn up or extended at any time 
 before the commencement of a suit upon the bill, and truly antedated, provided it was 
 noted in due time. Chitty on Bills, 477 ; Story on Bills, § 302 ; per Lord Kcnipn and 
 Lord JCIImhoroiii/li, in Chaters v. Bell, 4 Ksp. 48 ; Orr v. Mnginnis, 7 East, 3?>9 ; Rog- 
 ers V. Stevi-ns, 2 T. R. 713 ; Robins v. Gibson, 1 Maulc & S. 28S ; Goostrey v. Mead, 
 BulliT, N. P. 271 ; (^lynga Co. Bank v. Hunt, 2 Hill, fi3.'j ; Bailey v. Dozicr, 6 How. 
 23. AnrI it seetns that the protest may be drawn up aficr legal proceedings have been 
 instituted, and during tlicir progress. Brooke's Notary, 97. Such, also, is the law, 
 even in the case of payment mifmi protest for the honor of a drawer or indorser; for.
 
 CH. XIV.] PROTEST. 646 
 
 and gives notice of non-payment to all prior parties. (/) And hie 
 notarial certificate should contain the protest, the time, manner, 
 and place of the demand, and the names of the parties of whom 
 the demand is made, of those at whose request it is made, and 
 of the parties notified. (m) Nor will any merely verbal mistake 
 
 although to make a party to a foreign bill liable in such case to a person who takes up 
 such hill for dishonor, it is necessary that a formal declaration of protest should, ])rc- 
 viously to so taking up the bill, have been made before a notary, that the jiayinent was 
 made for the honor of such party ; yet it is not necessary tliat the instrument of protest 
 should be formally drawn up at the time of such payment, but may be drawn up at 
 any time afterwards, if before trial. Geralopulo v. VVeller, 10 C. B. 690, 3 Eng. L. 
 & Eq .515. 
 
 (/) This is prescribed by statute in several of the States. Supra, p. 635, note t. 
 But unless required by some State law, or some general usage equally binding, it is no 
 part of the official duty of a notary by the law merchant to give notice of the dishonor 
 of a promissory note. Per Story, J., in Burke v. McKay, 2 How. 66. 
 
 (m) Form of a protest for non-payment used in England, as given in Brooke's No- 
 tary, chap. 10 : — 
 
 On the day of , one thousand eight iuindrcd and , 
 
 I, R. B., Notary Public, duly admitted and sworn, dwelling in L , in the county of 
 
 L , and United Kingdom of Great Britain and Ireland, at the request of C. D., of 
 
 L (or of " the holder " or " the bearer," as the case may b'), did exhibit the original 
 
 bill of exchange, whereof a true copy is on the other side written, unto E. F. [or us the. 
 case may be, unto a clerk in the counting-iiouse of E. F.), the person upon whom the 
 said bill is drawn (and by whoni the same is accepted, if the bill have been accepted)^ 
 and demanded payment thereof {or payment being thereupon demanded), and he 
 answered that it would not be paid. ( The substance of any other answer- should be stated ) 
 Wherefore, I, the said notary, at the request aforesaid, have protested, and by these 
 presents do protest, against the drawer of the said bill, and all other persons tiiereto, 
 and all others concerned, for all exchange, re-exchange, and all costs, damages, and 
 interest, present and to come, for want of payment of the said bill. 
 
 Which I attest, 
 (Seal.) R. B. 
 
 Notary Public, L . 
 
 In a case where it appeared from the protest that the demand was made of the clerk 
 of the drawees at their place of business, but it was not stated in tiie body of the pro- 
 test that the drawees were absent, it was held that it was to be presumed in favor of the 
 protest that the drawees were absent. Gardner v Bank of Tennessee, 1 Swan, 420. 
 See supra, p. 639, note y. So it will be presumed in favor of a notary who certifies 
 that " On, &c., I did present the annexed draft of A on B, at the store of C," &c., 
 tliat he presented the draft to the drawee in person. Sharpen. Drew, 9 Ind. 281. In 
 the protest of a bill, payable at a bank, and of which the bank is the holder, it is not 
 necessary to give the name of the person or officer of the bank to whom it was pre- 
 sented, or by whom the notary was answered that it could not be paid. Hildeburn v. 
 Turner, 5 How. 69. But it must appear from the certificate that the presentment was 
 made at the bank, and it is not sufficient to say merely that it was made to the cashier 
 of the bank. Seneca Co. Bank v. Neass, 5 Denio, 329. And so where a certificate of 
 a noUry stated that he presented the bill for payment to "one of the firm of W. C. & 
 Co., the acceptors, and demanded payment, which was refused," it was held that the
 
 045 NOTES AND BILLS. [CH. XIV. 
 
 or erroi' m the notarial certificate vitiate it, if the pi-otest and 
 noting were properly made, and the notice properly given. («) 
 
 The notarial charges are a legal charge, it is believed, only 
 where the protest is required by the law merchant. But it is 
 certainly usual to pay them where tliey are reasonable and made 
 hi good faith and in conformity witli usage. 
 
 The absence of protest may, in general, be excused on the 
 same grounds which excuse neglect of notice ; and these ex- 
 cuses have been fully considered in a previous chapter, (o) Here 
 it may be said, however, that protest is unnecessary if the 
 drawer has neither funds in the hands of the drawee, nor any 
 arrangement authorizing him to draw.(/?) So it is if the drawer 
 
 certificate was defective in not stating tlie place where demand was made, as well as 
 in not stating who composed the firm, or the name of the person of whom the demand 
 was made. Otsego Co. Bank ». Warren, 18 Barb. 290. In Elliott i\ White, 6 Jones, 
 N. C. 98, it was held that a statement in the protest of a bill purporting to be drawu 
 on a firm, that it was presented to A, one of the members thereof, was evidence of 
 A's menii)ership in that firm. 
 
 (n) Thus, where it was said that the acceptance was made by " Chas. Byrne," 
 instead of " And. E. Byrne," as it was in the original bill, this error was not permitted 
 to vitiate the protest. And the court said, that where the protest was duly noted, inas- 
 much as it might be drawn up and completed at any time before the commencement 
 of the suit, or even before the trial, it consequently might be amended according to the 
 truth, if any mistake had been made. Dennistoun v. Stewart, 17 How. 606. In Bank 
 at Decatur j;. Hodges, 9 Ala. 631, a mistake had been made in the certificate in de- 
 scribing the date of the bill ; and the court said that a mistake made in extending the 
 notarial act may be corrected at any time afterwards. "It is not the extension of the 
 protest, but the fact that it is so protested, which is the essential matter." See Johnson 
 V. Cocks, 7 Eiig. Ark. 672. It is not necessary that it should ajjpear in the protest 
 iisdem verbis that the notary had the bill with him when he made demand, but the 
 statement in the protest must ear vi termini import this. Bank of Vergeiincs v. Cam- 
 eron, 7 Barb. 143; Union Bank v. Fowlkes, 2 Snced, .555. But in Musson v. Lake, 
 4 How. 262, it was hold that a protest wliicli states only that payment was demanded 
 is not admissible in evidence to prove presentment of the bill. Upon identic:illy the 
 same question the contrary opinion was held in Louisiana. Nott v. Beard, 16 La. 308. 
 And it may be remarked that in Musson u. Lake, McLean and Woodhnrii, JJ. dissented 
 from the decision of the court, and were of opinion that the fair inference was that the 
 bill was presented when the demand was made. It will be presumed in favor of the 
 notary, that the prcsi^nttnent and demand were made at a pr()])cr time in the day 
 Burlmnk v. Beach, 15 Barb. 326; De WolfiJ. Murray, 2 Sandf. 166. 
 
 (o) See sujirit, chap. 13. 
 
 (ji) The want of a i)rotest, like the want of notice to the drawer, will not prejudice 
 the holder us against the drawer, where th(! non-acceptance or non-payment of the bill 
 18 caused by the fraudulent act of the drawer. " The fact of drawing without funds, in 
 the absence of othiT |)n)of to e.xplaiti it, is a fraud ; for ihc bill is negotiated under the 
 
 faith that ihe drawrr has or will pliii (I'ccts in the IiiukN of liic drawee to meet the 
 
 bill ; and if he ha.l no ellects in the hands of the drawee, and kut^" iha", none would 1 8
 
 CH. XIV.] PROTEST. 647 
 
 has admitted his liability, and promised to pay ; [q) or has, hv 
 the bill itself, directed its return in case of non-payment, with- 
 out protest or further charge. (r) In these cases it may, however, 
 be doubted whether the protest is not still necessary to cliarge 
 indorsers.(5) At all events, it would be the safest way. 
 
 placed there, and that the drawee would not meet the bill, tiie whole transaction is 
 deemed fraudulent on the part of tlie drawer. Another, but subordinate reason, is 
 given for this exception, that tiie drawer cannot, in such case, be in any way injured 
 for want of notice of non-payment. But it is the fraud in drawing and delivering 
 such a bill upon which the exception substantially rests ; for bankruptcy or notorious 
 insolvency of the drawee, or proof that in fact no injury resulted from want of notice, 
 will not excuse the holder from giving the drawer notice " Per Swan, J., in Miser v. 
 Trovinger, 7 Ohio State, 281. See 2 Smith's Lead. Cases, pp. 22, 29; Rogers v Ste- 
 vens, 2 T. R. 713; Legge v. Thorpe, 12 East, 171, 2 Camp. 310; Valk i-. Sim- 
 mons, 4 Mason, 113. But it is no excuse for not giving notice of protest, that the 
 drawer had no effects in the drawee's hands at the time when the bill was refused 
 acceptance or afterwards, if he had some effects (to whatever amount) in the drawee's 
 hands when the bill was drawn. Orr v. Maginnis, 7 East, 359. But the fact that 
 the drawer or acceptor of a bill of exchange had no funds, or reasonable expectation 
 thereof, at the place of payment, is no excuse for want of notice of protest for non- 
 payment ; the averment and proof should be, that the parties had no funds, or the 
 reasonable expectation of them, in the hands of the drawee at the maturity of the bill ; 
 for the bill may have been drawn for the accommodation of the acceptor, or the ac- 
 ceptor may have had funds in his hands, but have neglected to place them in proper 
 time at the place of payment. Harwood v. Jarvis, 5 Sneed, 375. Accommodation 
 drawers, who unite as drawers with the person for whose accommodation they drew, 
 are entitled to notice of protest if they had reason to expect their principal would pro- 
 vide funds to meet the bill. Miser v. Trovinger, 7 Ohio State, 281. The same prin- 
 ciple holds with accommodation drawers generally. Id. ; 2 Smith's Lead. Cases, 22, 
 29. And generally it is the settled rule of the English and American cases, that, 
 although the drawer had no assets in the hands of the drawee, want of protest will not 
 be excused if he had reasonable grounds to expect such funds. Id. 
 
 iq) Patterson v. Becher, 6 J. B. Moore, 319 ; Gibbon v. Coggon, 2 Camp. 188. In the 
 latter case Lord Ellenhorough said : " By the drawer's promise to pay, he admits his 
 liability ; he admits the existence of everything which is necessary to render him 
 
 liable I must, therefore, presume that he had due notice, and that a protest 
 
 was regularly drawn up by a notary." See also Lonsdale v. Brown, 4 Wash. C. C 
 86 ; Coddington v. Davis, 1 Comst. 186 ; Union Bank v. Hyde, 6 Wheat. 572. The 
 last two Tases relate to waiver of protest of notes by express undertaking on the part 
 of indorsers. See, upon the same point, Sherer v. Easton Bank, 33 Penn. State, 134 ; 
 Coddington v. Davis, 3 Denio, 16. So where a drawer of a bill informed the holder 
 before its maturity, that it would not be paid when due, this was a waiver of protest 
 and notice. Minturn v. Fisher, 7 Calif. 573. And so the existence of a partnership 
 between the drawer and acceptor, it seems, would excuse the want of protest and notice 
 to the drawer. Harwood v. Jarvis, 5 Sneed, 375. 
 
 r) Chitty on Bills, 456. 
 
 (s) In Warder v. Tucker, 7 Mass. 449, and Taylor v. Bank of Illinois, 7 T. B. 
 Mon. 576, where the drawer had no effects in the hands of the drawee, it was held that
 
 64b NOTES AND BILLS. [CH. XIV 
 
 A promise after dishonor to pay a bill, of which protest and 
 notice are necessary, may be sufficient prima facie evidence that 
 such protest and notice had been made.(^) 
 
 SECTION II. 
 
 OF RE-EXCHANGE AND OTHER DAMAGES. 
 
 He who draws a foreign bill of exchange makes an instru- 
 ment which is intended to be used as if it were so much cash on 
 demand, or on a certain day after sight or after date, at the 
 place on which the bill is drawn. And he is bound to the re- 
 mitter of the bill to make it this at its maturity, or the equiv- 
 alent of this. This obligation gives rise (in case of non-payment 
 at maturity) to what is called a right of re-exchange ; which is 
 defined to be the expense which the remitter incurs by having it 
 dishonored m the foreign country in which it is drawn, duly 
 presented, and returned to him, and taken up by him.(M) The 
 
 an indorser of tlic bill was entitled to notice of a protest for non-acceptance, although 
 he indorsed only for the accommodation of the drawer. But this would be otherwise 
 if the indorser knew that there was no expectation that the bill would be accepted or 
 paid Farmers' Bank v. Vanmeter, 4 Rand. 553 ; 2 Smith's Lead. Cases, 29. See 
 Hansbrough v. Gray, 3 Gratt 356. 
 
 (<) Gibbon v. Cog}?on, 2 Camp. 188: Levy v. Peters, 9 S. & K. 125; Pratte v. 
 Haiily, 1 Misso. 35 ; Mense v. Osbern, 5 id. 544. 
 
 (h) In addition to our own explanation, we give the clear statement of the nature of 
 the transaction, and the relations which give rise to the question of exchange and re- 
 cxchangc, as made i)y the counsel for the plaintiff in De Tastet v. Baring, 1 1 East, 
 265, 2 Camp. 65: "A merchant in London draws on his debtor in Lisbon a bill in 
 favor of another for so much in the currency of Portugal, for which he receives its cor- 
 responding value at the time in English currency ; and that corresponding value fluc- 
 tuates from time to time, according to the greater or lesser demand there may be in the 
 London market for bills on Lisbon, and the facility of obtaining them ; the difference 
 of that value constitutes the rate of exchange on Lisbon. The like circumsta»ccs and 
 considerations take place at Lisbon, and constitute in like manner the rate of exchange 
 on London. When the holder, therefore, of a London bill, drawn on Lisbon, is refused 
 payment of it in Lisbon, the actual loss which he sustains is not the identical sum 
 which he gave for the bill in London, but the amount of its contents if i)aid at Lisbon, 
 when: it was due, and the sum which it will cost him to replace that amount upon the 
 si)Ot by a bill u[)on London, wiiicb he is entitled to draw upon the i>ersons there who are 
 liahlo to him U[»on the former bill. That cost, whatever it may be, constitutes his actual 
 loHH, and the charge for ro-exchange. And it is quite immaterial wlietiicr or not he in 
 fact re-draws such a bill on London, and raises the money upon it in the Lisloo raai-
 
 CH. XIV.] re-exchangp: and other damages. 649 
 
 meaning and operation of this may be thus illustrated. The 
 drawer, having ten thousand dollars due to him in London, 
 draws his bill on his debtor, and sells it to a party who owes, 
 or is to owe, that sum at that place. The bill is remitted by 
 the purchaser to his creditor or to his agent, as funds to pay 
 his creditor, and it is dishonored. The remitter must now be 
 indemnilied. And this may happen in either of two ways. The 
 remitter may draw a new bill, for such sum as will put his cred- 
 itor in possession of the sum due, with legal interest and ex- 
 penses of protest, etc., and as he must pay for this new bill 
 whatever rate of exchange it is worth, and may claim of the 
 drawer whatever it costs him, in this way the drawer pays to 
 him the re-exchange ; or the receiver of the bill in London may, 
 on its dishonor there, draw a bill on the remitter for such sum 
 as will enable him to sell the bill there for the amount which he 
 ought to have received on the first bill, clear of all cost. Of 
 course he must include in the bill the rate of exchange which 
 will bring the market value of the bill in London up to this 
 point. The remitter must pay this bill (including as it does 
 
 ket ; his loss by the dishonor of the London bill is exactly the same, and cannot depend 
 on the circumstance whether he repay himself immediately by re-drawing for the 
 amount of the former bill, with tlie addition of the charges upon it. including the 
 amount of the re-exchange, if unfavorable to this country at tiie time, or whether he wait 
 till a future settlement of accounts with the party who is liable to him on the first bill 
 here ; but that party is at all events liable to him for the difference, for as soon as the 
 bill was dishonored, the holder was entitled to re-draw. That therefore is the period 
 to look to. It ought not to depend on the rise or fall of the bill market, or exchange 
 afterwards ; for as he could not charge the increased difference by his own delay in 
 waiting till the exchange grew more unfavorable to England before he redrew, so neither 
 could the party here fairly insist on having the advantage, if the excliange happened 
 to be more favoralile when the bill was actually drawn. Where re-exchange has been 
 recovered on the dishonor of a foreign bill, it has not been usual to prove that in fact 
 anotlier bill was re-drawn. If the quantum of damage is not to be ascertained by the 
 existing rate of exchange at the time of the dishonor, the rule will become extremely 
 complex for settling what is to be paid on the bill between different indorsees, each of 
 whom takes it at the value of the exchange when he purchased it. If, then, the amount 
 of the re-exchange between the two countries at the time of the dishonor be the true 
 measure of damage which the holder at Lisbon was entitled to receive from his indorsee 
 in England, and that re-exchange consists of the amount of a bill on London, which 
 would put the holder of the dishonored bill in the same situation as if he had received 
 the contents of it when due in Lisbon, it cannot make any difference whether the ex- 
 change between Lisbon and London at the time were carried on directly, or throagh 
 i^'e medium ( f other places. The more circuitous and difficult it was, the greater would 
 #e tl.e loss of the holder by the dishonor." 
 VOL. 1. 55
 
 650 NOTES AND BILLS. fCH. XIV. 
 
 this re-exchange), and then he has his claim against the drawer 
 for all that it costs him. The acceptor, it is said, is not liable 
 for re-exchange, as he is bound only for the sum he promises to 
 pay, with legal interest.(i;) But for this he is bound to the 
 holder ; and also to the drawer, if he pays tlie bill. And if the 
 default of the acceptor compels the drawer to pay this bill, and 
 these damages with it, it would seem, on general principles, tliat 
 the drawer's claim on the acceptor should cover the whole 
 amount, (iz;) 
 
 (u) Napier v Shneider, 12 East, 420 (May 30th, 1810) ; Woolsey v. Crawford, 2 
 Camp. 445 (May 28th, 1810). In the latter case, which was an action by the payee of 
 a bill against the acceptor, Park, counsel for the phiintitf, contended that tlie defendant 
 was answerable for all the damage that had been suffered by the plaintiff from the bill 
 being dishonored. Lord E/lenhoronyh : " You may as well state that, by reason of the 
 bill not being paid, the plaintiff" was obliged to raise money by mortgage. You must 
 proceed for re-exchange against the drawer. He undertakes that the bill shall be paid, 
 or that he will indemnify the holder against the consequences. The acceptor's contract 
 cannot be carried farther than to pay the sum specified in the bill, and interest accord- 
 ing to the legal rate of interest where it is due." In Watt v Riddle, 8 Watts, .54.5, 
 Gibson, C. J. said : " It was not a little remarkable that in so commercial a country as 
 America the point submitted has not been raised before ; nor is it less so, that it was first 
 decided in England so late as 1810, and with so little remark as to the principle of the 
 decision, though a novel and an important one. It came up in Napier i\ Shneider, 12 
 East, 420, on a motion to direct that the master allow the expense of re-exchange on a 
 judgment against the defendant as an acceptor ; to which tiie court barely answered that 
 it could not be done against one who had charged himself by his acceptance with no 
 more than lial)ility to pay according to the law of his country ; and that if he do not, the 
 holder has his remedy against the drawer." It was decided in this case that the statute 
 of Pennsylvania, which gives liquidated damages as a substitute for re-exchange, has 
 regard only to drawers and indorsers. By the Continental law the acceptor is liable for 
 re-exchange. Pothier says that the acceptor is liable to pay re-exchange as the drawer 
 is liable to pay it, to whose obligation the acceptor is taken to have become a party 
 (avoir accede) \)\ his acceptance. Pothier de Change, n. 115-117, ch. 6, art. 4, § 1. The 
 princijiie of accession, in the civil law, produces a unity of interest and obligation 
 between parties that would otherwise be severally bound, and it seems to be the want 
 of this principle which gave a different rule to the English law. That the accci)tor 
 is not liable for damages, see further, Bowen v. Stoddard, 10 Met. 375; Newman v. 
 Goza, 2 La. Ann. 642; Ilanrick v. Farmers' Bank, 8 Port. Ala. 539. lie is made 
 liublc by statute in Missouri. 
 
 (w) Haylcy on Bills, ch. 9, p. 353 ; Biggs v. Lindsay, 7 Crunch, 500. In this case the 
 acceptors liail expressly authorized and re(|uest('d the draw(;r to draw upon them. 
 And so in Francis v. liucker, Ambler, G72, the bill iiaving been drawn in pursinuice 
 of onlers of the ac(;cptors, the drawer was allowed by Lord Camden to prove his debt, 
 including re-exchange against the acce|)tors, who had become bankrupt. See Grim- 
 Khaw V. Bender, 6 Mass. 157, 101, for dirtum of Parsons, C. J., and also a dictum in 
 Bowen v. Stoddard, 10 Met. 375. Mr. Baylcy says that "it seems reasonable that the 
 BPceptor Hliouid bo liable to all parties where he has effects, and to all excei)ting the 
 drawer where he has not." Bills, ch. 10, j). 456, note But the authorities onlv go
 
 CH. XIV.] RE-EXCIIAXGE AND OTHER DAMAGES. 651 
 
 The drawer is liable for re-exchange as soon as the hill is dis- 
 honored and protested, whether for non-acceptance or for non 
 payment, (a;) and his liability is fixed in accordance with tin- 
 laws of the country where the bill is drawn. (?/) Nor is it a 
 defence, that the payment of the bill was prevented by the gov- 
 ernment of the country in which it was drawn. (2) And in this 
 
 to the extent, that if he has expressly or impliedly agreed with the drawer or indorser, 
 for a valuable consideration, to pay the bill at its maturity, he is liable for a breadi of 
 his contract; and if he has funds of the drawer in his hands, he would perhaps be 
 bound to accept. See City Bank of New Orleans v. Girard Bank, 10 La. 562. 
 
 (.r) But the drawer is not liable to the indorser of a bill for damages incurred by the 
 non-acceptance of the bill, unless tiie indorser has been obliged to pay them, or is liable 
 for them. Kingston v. Wilson, 4 Wash. C. C. 310; Bank of U. S. v. U. S., 2 How. 
 711, 764, 767. 
 
 ((/) Price ». Page, 24 Misso. 6.5 ; Story's Conf. of Laws, § 307. In Allen ». Kemble, 
 6 Moore, P. C. 314, the court says : " The drawer by his contract undertakes that the 
 drawee shall accept, and shall afterwards pay the bill, according to its tenor, at the 
 place and domicil of the drawee, if it be drawn and accepted generally ; at the place 
 appointed for payment, if it be drawn and accepted payable at a different place from 
 the place of domicile of the drawee. If this contract of the drawer be broken by the 
 drawee, either by non-acceptance or non-payment, the drawer is liable for payment 
 of the bill, not where the bill was to be paid by the drawee, but where he, the drawer, 
 made his contract, with his interest, damages, and costs, as the law of the country where 
 he contracted may allow." See Gibbs v. Fremont, 9 Exch. 25, 20 Eng. L. & Eq. 555. 
 And so in an action against an indorser of a bill of exchange, the law of the State 
 where the indorsement was made must govern as to the rate of damages. CuUum v. 
 Casey, 9 Port. Ala. 131. Such statutes have force only within the State enacting 
 them. Fiske v. Foster, 10 Met. 597. Each successive party to a bill is liable for dam- 
 ages on its dishonor, according to the law of the place where the contract was made ; 
 and each indorsement is a new contract. Story on Bills, 153. 
 
 [z] McUish V. Simeon, 2 H. Bl. 378. The facts of this interesting case were these: 
 "On the 9th of July, 1793, two bills of exchange were drawn by Simeon in London on 
 Boyd & Co. in Paris, one for 35,000, the other for 36,000 livres tournois, amounting 
 together to £ 603 19s. 10c?. sterling, according to the rate of exchange between Lon- 
 don and Paris of &ld. for the French crown of three livres, and payable to the order 
 of Mellish & Co., who indorsed them in London to Jeysset & Co. at Amsterdam. 
 Jeysset & Co. indorsed them to Meryolet at Amsterdam, and Meryolet to An- 
 droine at Paris. When they were presented for acceptance, Boyd & Co. refused to 
 accept them, but promised that they should be paid when they became due. In the . 
 mean time, the French Convention passed a decree prohibiting the payment of any bills 
 drawn in any of the countries at war with France, and of course the bills in question 
 were not paid. In consequence of this, they were sent back by Androine to Meryolet 
 .\t Amsterdam, protested for non-acceptance and non-payment, and at the same time 
 Androine drew another bill on Meryolet for the amount of them, at the rate of 18^ 
 groots for the French crown of three livres, for the re-exchange between Paris and 
 Amsterdam, together with the ordinary charges, which bill Meryolet paid, and was 
 reimbursed by Jeysset & Co., by compromise between them, at the rate of 18 groots for 
 xh<^ French crown, amounting to £905 13*-. 9J. sterling, for which sum, together with 
 cnarges at Amsterdam, and the re-exchange between that place and London, making
 
 652 NOTES AND BILLS. [CH. XIV. 
 
 case, as well as iu all others, if the bill is returned to him cir- 
 cuitousJy, through other countries, so that more than one re- 
 exchange is added to it, he is liable for the whole, provided this 
 circuitous return was in good faith and justified by circum- 
 stances, and was not unnecessary or wanton. (a) And although 
 the whole doctrine and practice of re-exchange seems to belong 
 exclusively to foreign bills of exchange, promissory notes may 
 be so drawn as to bring them substantially under a similar 
 rule. (6) 
 
 As the amount of re-exchange depends necessarily upon the 
 course of business and the rate of exchange of the countries, it 
 is legal and not unfrequent to determine the amount by antici- 
 pation. Thus, where the bill says, "In case of dishonor, re 
 exchange and expenses not to exceed $ — , so much either per 
 
 in the whole £913 4s. 3d. sterlinjj, Jeysset & Co. drew a bill on Mellish & Co., which 
 they paid, and took back the former bills, on which they brought the present action 
 against Simeon, the drawer, and recovered a verdict for the wliole sum of .£913 4.s. 3d. 
 And now Le Blanc, Sergeant, moved for a new trial, on the giound, that the defendant 
 was not liable for the loss on the re-e.xchange. It is true, he said, thai the drawer of a 
 bill of exchange undertakes, by the act of drawing it, that the drawee shall be found in 
 the place where he is described to be, and shall have effects in his hands ; but the un- 
 dertaking does not extend to the case of a prohibition to accept or pay the bill imposed 
 by the law of a foreign country in which the drawee resides. When a person takes a 
 bill circumstanced as this was, he must submit to the laws of that country. There 
 was no default in the drawer ; he therefore cannot in justice be liable for more than 
 the sum he originally received for the bills, with interest and the expenses of protesting 
 them." Lord Chief Justice Ei/re : " I see no distinction between this case and the com- 
 mon one of a bill being refused payment. The drawer must pay for all the conse- 
 quences of the non-payment, and the loss on the re^exchange seems to me to be part of 
 the damages arising from the contract not being performed. I thonglit, indeed, at the 
 trial, that it might be a question whether the drawer were liable for the re-exchange 
 occasioned by the circuitous mode of returning tiie bills through Amsterdam, but the 
 jury decided it." Duller, J. : " What is the engagement of the drawer of a bill of ex- 
 change ? He undertakes that the bill shall be paid when due. If it be not paid, it is 
 not necessary for the holder to inquire for what reason it is not paid, and if the holder 
 has been guilty of no default, the drawer is answcral)lc for the amount of the bill; and 
 if he is liable for the bill, he must also l)e liable for the re-exchange, which is a conse- 
 quence of tlie bill not being paid." IIkiIIi, J. was of the same opinion. He who un- 
 dertakes for the act of another, undertakes that it shall be done at all events. 
 
 (</) Mellish V. Simeon, 2 H. Bl. 378; l)e Tastct v. Baring, 11 East, 26.5. 
 
 (6) As when; a note was made " payable in Paris, or, at the choice of the bearer, in 
 Dover or London, according to the course of excliange upon I'aris," and shortly aficr 
 all direct excliange ceased between London and I'aris, though a circuitous course of 
 exohangc was maintained through Hamburg, it wa« held that the plaintiff was entitled 
 to rcr-ovcr «i)On the noK; ; according to the system of circuitous exchange existing *t 
 the time th(! note was prcsc'itcd for payment. Pollard v. Herries, 3 Bos. & P. 335
 
 CH. XIV.] RE-EXCHANGE AND OTHER DAMAGES. 653 
 
 cent or in a gross sum," no holder of such a bill can go 
 beyond tliis limit.(c) Nor could he claim so much under this 
 phraseology, unless the re-exchange comes up to this. To avoid 
 question and litigation, it is therefore better to say, " shall be so 
 much," instead of " not to exceed." 
 
 This is precisely what the mercantile usages of this country, 
 in the first place, and afterwards the State statutes, have done. 
 It was first asserted as established mercantile usage in Massachu- 
 setts, and therefore as law, that ten per cent was payable as, or 
 instead of, re-exchange in all cases of dishonor of a bill drawn in 
 London. (c^) Afterwards, this and sundry other rates of ex- 
 
 (c) Chitty on Bills. 165. 
 
 (d) Grimshaw v. Bender, 6 Mass. 157, 161. Mr. Chief Justice Parsons, in deliver- 
 ing the opinion of the court in this case, said : " According to the law merchant, un- 
 controlled by any local usage, the holder is entitled to recover the face of the bill, and 
 the charges of the protest, with interest from the time when the bill ought to have been 
 paid, and also the price of re-exchange, so that he may purchase another good bill for 
 the remittance of the money, and be indemnified for the damage arising from the delay 
 of payment. But he cannot claim the ten per cent of the bill, which it is here the usage 
 to pay. But the nile of damages established by the law merchant is, in our opinion, 
 absolutely controlled by the immemorial usage in this State. Here the usage is, to 
 allow the holder of the bill the money for which it was drawn, reduced to our currency 
 at par, and also the charges of pr'otest, with American interest on those sums from the 
 time when the bill should have been paid ; and the further sum of one tenth of the 
 money for which the bill was drawn, with interest upon it from the time payment of 
 the dishonored bill was demanded of the drawer. But nothing has been allowed for 
 re-exchange, whether it is below or at par. This usage is so ancient, that we cannot 
 trace its origin ; and it forms a part of the law merchant of the Commonwealth. Courts 
 of law have always recognized it, and juries have been instructed to govern themselves 
 
 by it in finding their verdicts The origin of this usage was probably founded in 
 
 the convenience of avoiding all disputes about the price of re-exchange, and to induce 
 purchasers to take their bills, by a liberal substitution of ten per cent instead of a claim 
 for re-exchange. And such is the course of exchange between this State and England, 
 that the usage is generally favorable to the holders of dishonored bills, and tends to 
 discourage the drawing of bills by persons who have no funds to meet them." See 
 Mass. Stat. 1819, c. 41, and 1825, c. 177 ; R. S 1836, c. 33; Gen. Stats. 1860, c. 53. 
 Mr. Chitty suggests the expediency of a fixed rule of damages instead of re-exchange. 
 Bills, 188, 667, 668. The policy of establishing statutory damages in place of re- 
 exchange is touched upon in I.ennig v. Ralston, 23 Penn. State, 137, and it is declared 
 that courts should give such statutes a liberal interpretation. " The dishonor of 
 foreign bills," it is said, " may occur, and usually does occur, at points where the 
 holders cannot supervise the result, and where they have neither means nor credit to 
 provide against the injury. These instruments are generally procured at a pre- 
 mium by the holders, for the purpose of making their purchases in the country 
 where the bills are payable, or as the means of pursuing their travels or main- 
 faining their credit abroad. The great distance between the residence of the di-awers 
 and that of the acceptors must necessarily cause great delay in procuring indemnity 
 
 55 *
 
 054 NOTES AND BILLS. [CH. XIV. 
 
 change, or of damages instead of them, between this State and 
 varions foreign countries, and between this State and otlier 
 States, were established by law. Similar statutes exist now in 
 other States. 
 
 These statutes, in the different States, are far from uniform. 
 The inconvenience and frequent mischief arising from the diver- 
 sity of the legal provisions on this subject have been strongly 
 urged upon the attention of Congress, which, it is believed, has 
 tlie power to regulate these damages by some uniform rule.(e) 
 But the national legislature has as yet taken little or no ac- 
 tion on the subject ; and there seems to be but little hope of any 
 establishment of a national and uniform rule. We give in our 
 
 from the former. In the mean time, the loss to the holders, if they rely exclusively 
 upon the bills to maintain their credit, and carry on their business, nii<2:ht be irrep- 
 arable. Under such circumstances the recovery of the face of the bill only, with 
 the usual interest, re-exchange, and costs, would be but a cold and inadequate 
 remedy for so great an injury. The Act of 1821 was deemed necessary in order 
 to do justice in such cases, and for the purpose of maintaining our commercial 
 credit in other countries. It should receive such a construction as will best promote 
 the intentions of the legislature in these respects." As far back as the year 1700, the 
 legislature of Pennsylvania allowed twenty per cent damages, in lieu of re-exchange, 
 on all bills drawn on England, or any part of Europe. Francis v. Rucker, Atnbl. 
 672; Hendricks v. Franklin, 4 Johns. 119. In Rhode Island, as early as 1743, an 
 act of similar purjiort was passed, fixing the damages at ten per cent Brown v. Van 
 Braum, 3 Dallas, 344. In Hendricks v. Franklin, 4 Johns. 119, which was an action 
 on a bill drawn in New York on Liverpool, the plaintiff claimed twenty per cent 
 damages and interest, together with two per cent for the difference of exchange, it 
 being two per cent above par when the defendant was notified of the non-payment 
 of the bill, in accordance with the usage of the Chamber of Commerce to allow for 
 this diff(;rence. Spntcer, J. said: "The right to recover twenty per cent damages 
 on the protest of a foreign bill of exchange rests with us on immemorial commer- 
 cial usage, sanctioned by a long course of judicial decision It is presumed 
 
 that onr rule to allow twenty per cent on the protest of a foreign bill was oriuinally 
 coextensive with the rule established in Pennsylvania, and that the same reasons in- 
 duced iioth rules. The twenty per cent was in lieu of damages in case of re-exchange, 
 and because ihcrc was no course of exchange from London to New York, and to avoid 
 
 the constant fluctuation and uncertainty of exchange I understand tiiat merchants 
 
 regulate themselves by the rules of the Chaml)er of Conimercc. This, however, can- 
 not make the law ; the usage is too recent, and too unsupported by judicial counte- 
 nance, to |)n)duce the consc(iiiences contended for In my opinion, the twenty per 
 
 cent is in lieu of all claim for damages in such cases; and iho claim for the difference 
 in the price of the bills cannot be su[)porte(l, and therefore it must be deducted in this 
 cose." In u subsequent case, however, in the Court of Errors, this rule was a'tered, 
 and the holdiT allowed to recover at the rate of exchange at the time of tiie return of 
 the bill, ({raves >;. Dash, 12 Johns 17. 
 
 (e) Sec 2 Am. Jurist, p. 79; Mr. V( r|ilauik's Rci)ort t(j the House cf Ueprescjitft- 
 tivcs, March 22d, 1826.
 
 CH. XIV.] RE-EXCHANGE AND OTHER DAMAGES. 655 
 
 notes a synopsis of the laws of the various States on this 
 subject. (/) 
 
 {/) Alabama. Tlio damages on inland bills of exchange, protested for non-pay- 
 ment, are ten per cent, and on foreign bills of exchange, protested for non-payment, 
 fifteen per cent, on the sum drawn for. Such damages are in the place of all charges, 
 except costs of protest, incurred previous to and at the time of giving notice of non- 
 payment; but the holder may recover legal interest upon the aggregate amount of the 
 principal sum specified in the l)ill, and of the damages thereon, from the time at which 
 payment of the principal sum has been demanded, and costs of protest. VVhen the 
 amount in such bill is expressed in money of the United States, the damages allowed by 
 the statute cover the rate of exchange ; but bills payable in foreign currency have the 
 rate of exchange added. The same damages are allowed on the dishonor of bills by 
 non-acceptance, with interest on the principal sum from the time when the same would 
 have become payable if accepted, and interest on the damages from the demand of 
 acceptance. Code, 1852, §§ 1.537-1541. Inland bills are defined to be such as are 
 drawn and payable within the State; and those drawn in this State and payable else- 
 where are foreign. Id., § 1549. 
 
 Arkansas. On every bill of exchange, expressed to be for value received, drawn or 
 negotiated within the State, payable after date to order or bearer, and protested for 
 non-acceptance or non-payment, the damages are as follows. For a bill drawn on 
 any person, at any place within this State, at the rate of two per cent on the principal 
 sum ; for a bill payable in Alabama, Louisiana, Mississippi, Tennessee, Kentucky, 
 Ohio, Indiana, Illinois, or Missouri, or any point on the Ohio River, at the rate of four 
 percent; for a bill payable elsewhere«n the United States, five per cent; for a bill pay- 
 able beyond the limits of the United States, ten per cent. The acceptor of bills drawn 
 on persons within the State is required to pay damages on bills protested for non-pay- 
 ment, as follows : if the bill is drawn by any person at any place within this State, at 
 the rate of two per cent on the principal sum ; if drawn at any place without this 
 State, but within the limits of the United States, at six per cent; if drawn at any 
 place without the limits of the United States, at ten per cent. Dig. of Stats. 1858, 
 p. 209. 
 
 California. The damages on protested bills of exchange, drawn or negotiated within 
 this State, are as follows. If drawn upon any person in any of the United States, east 
 of the Rocky Mountains, fifteen per cent ; if drawn upon any person in Europe, or in 
 any foreign country, twenty per cent. Such damages are in lieu of interest and all 
 charges previous to the giving notice of dishonor. If the contents of such i)ill be ex- 
 pressed in the money or currency of any foreign country, then the amount due, exclu- 
 sive of the damages payable thereon, shall be ascertained by the rate of exchange, or 
 the value of such foreign currency at the time of the demand of payment or acceptance. 
 The holder of the bill cannot recover damages unless he has paid value therefor. 
 Wood's Dig. 1858, p. 72. The accej)tance of payment of one of the set of bills is a 
 waiver of all claim for damages for the previous dishonor of another one of the set. 
 Page V. Warner, 4 Calif. 395. 
 
 Connecticut. The damages on bills of exchange drawn or indorsed in this State, 
 payable in any other State, Territory, or District of the United States, and returned 
 protested, are, besides interest, as follows. If such bill shall have been drawn upon any 
 person in the city of New York, two per cent ; if upon any person in the States of New 
 Hampshire, Vermont, Maine, Massachusetts, Rhode Island, New York (except the 
 <!ity of New York), New Jersey, Pennsylvania, Delaware, Maryland, or Virginia, or in 
 the District of Columbia, three per cent; if upon any person in the States of North
 
 656 NOTES AND BILLS. [CH. XIV. 
 
 It will be seen that, generally, the rate of damages in- 
 
 Carolina, South Carolina, Ohio, or Georgia, five per cent ; if upon any person in any 
 other State, Territory, or District of the United States, eight per cent ; and such 
 damages shall be instead of interest and all other charges up to the time of giving 
 notice of dishonor. Stats., compilation of 18.54, p 696. 
 
 Delaware. The damages on bills of exchange drawn on any person beyond seas, 
 and returned unpaid with legal protest, shall, as to the drawer, indorser, and all con- 
 cerned, be at the rate of twenty per cent on the contents of such bills, in addition 
 thereto. Rev. Code, 1852, p. 183. 
 
 Florida. Damages on foreign protested bills of exchange are at the rate of five per 
 cent. Thompson's Dig. 1847, p. 349. 
 
 Georgia. Upon bills of exchange drawn in this State upon any person within the 
 United States, out of this State, returned duly protested, the holder is entitled to re- 
 cover five per cent damages over and above the principal sum. together with lawful 
 interest on the aggregate amount from the time of giving notice of protest and making 
 demand of payment. Upon such bills drawn on any place beyond the limits of the 
 United States the holder may recover the principal, with postage, protests, and other 
 necessarv expenses, and interest on the amount of these sums from the date of the pro- 
 test until the presenting of the same for payment in this State, at the rate established 
 at the place at which the bill was payable ; and also the premium on such aggregate 
 amount as good bills of like description are worth at the time and place of demand ; 
 but if such bills are then and there at a discount, the holder is to deduct the discount; 
 and the holder recovers damages at the rate of ten per cent on the principal sum, with 
 Georgia interest. Cobb's New Dig. 1851, Vol. if p. 521. 
 
 Illinois. The damages on bills of exchange expressed for value received, payable 
 in foreign countries and protested for non-payment or non-acceptance, arc ten per cent 
 on the principal, together with interest and the costs and charges of protest. On such 
 bills payable out of this State, but within the United States or their Territories, the 
 holder recovers five per cent, together with interest and costs, and charges of protest. 
 Stats. Comp. 1858, Vol. I. p. 290. 
 
 Indiana. Damages payable on protest for non-payment or non-acceptance of a bill 
 of exchange, drawn or negotiated within this State, are, if drawn upon any person, at 
 any place out of this State, but within the United States, five per cent; but if upon 
 any person at any place without the United States, ten per cent on the principal of 
 such bill. Heyond such damages, no interest or charges accruing prior to protest are 
 allowed ; but interest from the date of the protest may be recovered. As to any bill 
 payable within the United States, the rate of exchange is not taken into account. No 
 damages beyond cost of protest are chargeable against drawer or indorser, if, upon 
 notice of protest and demand of the principal sum, the same is paid, nor can the 
 holder recover damages unless he has given value therefor. 1 R. S. 1852, p 379. A 
 bill drawn by a person resident in Indiana, ])ayable in New Orleans, and directed to 
 hiiiiself ill that city, was held, upon protest for non-payment, to come within the equity 
 of the s(atutc, and the drawer was made liable to five per cent damages. State Bank 
 T. Bowers, 8 Blackf. 72. See Ohio, j)f)st, p. 659, and Wood v. Farm. & Mcch. Bank, 
 7 T. B Mon. 281. In State Bank v. Kodgers, ;j Ind. 53, a bill payable at (Cincinnati, 
 the parties being all residents of Indiana, was also held to be within the statute. Under 
 the provision allowing the drawer or indorser, ujwn notice of i)rotcst, and a demand 
 of the [irincipal, to avoid flamagcs by payment, a notice of a ])rotcst is a sufticient 
 demand of payment, without any averment of a special demand. May r. State Bank. 
 9 Ind. 233.
 
 CH. XIV.] RE-EXCHANGE AND OTHER DAMAGES. 6«57 
 
 creases with the distance of the place upon which the bill is 
 drawn. 
 
 Iowa. The damages on bills of exchan<;e drawn or indorsed within this State, and 
 protested for non-acceptance or non-payment, are, for bills drawn upon a person at a 
 place out of the United States, or in California, Oregon, Utah, or New Mexico, ten 
 per cent upon the principal, with interest from the time of protest ; for bills upon a 
 person at a place in Iowa, Missouri, Illinois, Wisconsin, or Minnesota, three per cent, 
 with interest ; for bills upon Arkansas, Louisiana, Mississippi, Tennessee, Kentucky, 
 Indiana, Ohio, Virginia, District of Columbia, Pennsylvania, Maryland, New Jersey, 
 New York, Massachusetts, Rhode Island, or Connecticut, five per cent, with interest; 
 'or bills drawn upon a person at a place in any other State in the United States, eight 
 per cent, with interest. Code 1851, p. 151, § 965. 
 
 Kentucky. Where any bill of exchange, drawn on any person out of the United 
 States, is protested for non-payment or non-acceptance, it bears ten per cent per year 
 interest, from the day of protest, for not longer than eighteen months, unless payment 
 be sooner demanded from the party to be charged. Such interest is recovered up to 
 the time of tlie judgment, and the judgment bears legal interest thereafter. Damages 
 on all other bills are disallowed. R. S. 1852, p. 194. 
 
 Louisiana. The rate of damages to be allowed upon the usual protest for non- 
 acceptance or non payment o^' bills of exchange drawn or negotiated in this State is, 
 on bills drawn on and payable in foreign countries, ten per cent ; on all bills drawn on 
 and payable in any other State in the United States, five per cent on the principal sum 
 specitied in such bill. Damages are in lieu of interest, charges of protest, and all other 
 charges incurred previous to and at the time of giving notice of non-acceptance or 
 non-payment, but the holder is entitled to recover lawful interest upon the aggregate 
 amount of the principal sum, and of the damages thereon from the time at which 
 notice of protest for non-acceptance or non-payment shall have been given and pay- 
 ment demanded. When the contents of the bill are expressed in the money of the 
 United States, the amount of the principal and of the damages is ascertained, without 
 any reference to the rate of exchiuige ; but when expressed in a foreign currency, the 
 principal and damages are determined by the rate of exchange ; but when the value of 
 such foreign coin is fixed by the laws of the United States, the value thus fixed must 
 prevail. R. S. 1856, pp. 43, 44. 
 
 Maine Damages on protest of bills of exchange of a hundred dollars or more, pay- 
 able by the acceptor, drawer, or indorser of one in this State, are, if payable at a place 
 seventy-five miles distant, one per cent ; if payable in the State of New York, or in any 
 State Wbrtherly of it, and not in this State, three per cent ; if payable in any Atlantic 
 State or Territory southerly of New York and northerly of Florida, six per cent; and 
 in any other State or Territory, nine per cent. R. S. 1857, c. 82, ^ 35, p. 519. 
 
 Maryland. The holder of a bill of exchange drawn in the State on any person in 
 a foreign country, regularly jirotested, is entitled to recover so much current money as 
 will purchase a good bill of exchange of the same time of payment, and upon the 
 same place, at the current exchange of such bills, and also fifteen per cent damages, 
 ivith costs of protest and interest; if drawn on any person in any other of the United 
 States, and protested, the holder may recover in the same way a sum sufficient to buy 
 another bill of the same tenor, and eight per cent damages on the principal sum, and 
 interest from the time of protest, and costs. It is also provided that indorsers of such 
 Sills, who shall have paid the principal and the damages prescribed by statute, may 
 recover the same, with interest thereon from the drawer or any other person liable to 
 bim upon the bill. Laws, Dorsey's ed., Vol. I. p. 197. The indorser of a bill, remit- 
 Vol. I.— 2 R
 
 t3i)8 NOTES AND BILLS. [CH. XIV. 
 
 The 'lability for the payment of the damages allowed by statute 
 
 ted to his original character as holder and payee, cannot recover under the last section 
 of this statute, but only as holder. Bank of U. S. v. United States, 2 How. 711. 
 
 Massachusetts. On bills of exchange, negotiated in Massachusetts, payable without 
 the limits of the United States, (excepting places in Africa beyond the Cape of Good 
 Hope, and places in Asia and the islands thereof,) the party liable sliall pny at the cur- 
 rent rate of exchange, and damages at the rate of five per cent upon the contents, 
 together with interest thereon from the date of the protest ; but on bills payable in 
 Africa beyond the Cape of Good Hope, or any place in Asia or the islands thereof, the 
 party liable shall pay the same at the par value thereof, with twenty per cent thereon 
 in full of all damages, interest, and charges. On bills payable within the States of 
 Maine, New Hampshire, Vermont, Rhode Island, Connecticut, or New York, the party 
 liable shall pay two per cent with interest and costs; on bills payable in New Jersey, 
 Pennsylvania, Maryland, or Delaware, three per cent ; Virginia, Norih Carolina, 
 South Carolina, Georgia, or the District of Columbia, four per cent ; and if in any 
 other of the United States or the Territories thereof, five per cent. Damages on bills 
 for a sum not less than one hundred dollars, and payable within the State, at a distance 
 of not less than seventy-five miles from the place where they were drawn or indorsed, arc 
 one per cent. R. S. 18;J6, c. 33. §§ 1 - 4 ; Laws of 1837, p. 239 ; Gen. Stats. 1860, c. 53. 
 
 Michigan. Whenever any bill of exchange, drawn or indorsed witiiin this State, 
 and payable without the limits of the United States, is protested for non-acceptance or 
 non-payment, the party liable shall pay the contents at the current rate of exchange at 
 the time of demand, and damages at the rate of five per cent, together with interest 
 from the date of protest ; and such payment shall be in full of all damages, charges, 
 and expenses. The damages on bills payable in Wisconsin, Illinois, Indiana, Penn- 
 sylvania, Ohio, or New York are three per cent; on bills payable in Missouri, Ken- 
 tucky, Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, Connecticut, 
 New Jersey, Delaware, Maryland, Virginia, or the District of Columbia, five per cent ; 
 on bills payable elsewhere without this State and within the United States or the Ter- 
 ritories thereof, ten per cent. Compiled Laws, 1857, Vol. I. p. 408. 
 
 Minnesota. On bills of exchange drawn or indorsed within this State, and payable 
 without the limits of the United States, and duly protested for non-acceptance or non- 
 payment, the party liable shall pay the contents at the current rate of exchange at the 
 time of demand, and damages at the rate of ten per cent, together with interest from 
 the date of f)rotest; and said amount of contents, damages, and interest is in full of all 
 damages, charges, and expenses. The damages on bills drawn on any person out of 
 this State, but within some State or Territory of the United States, are at the rate of 
 five per cent, together with interest and costs and charges of protest. Stats. Compiled, 
 18.58, p. 375 
 
 Mi.ssis«ip[«. The damages on all bills of exchange drawn in this State upon any 
 person resident within the United States and out of this State, and returned protested 
 for non-acceptance, are five per cent, and interest on the princi|)al ; on bills jiayable 
 out of the United States, and protested for non-acceptance or nonpaymc nt, they are 
 ten per cent, and interest on the princi[)al ; and in nil cases the holder is entitled to all 
 costs and charges. Code 1857, p 356. 
 
 Missouri. The damages on bills of excbiingc drawn or negotiated within this State, 
 and protested for non-acceptance or non-j>aynient, arc as follows. If drawn on any per- 
 son at any place within this State, four per cent on the principal ; if drawn on any per- 
 son without this State, but within the United States or the Territories thereof, ten per 
 cent; if drawn on any person at any port or place without the United KtaMj« and their
 
 CH. XIV.] RE-EXCHANGE AND OTHER DAMAGES. 659 
 
 for re-exchange becomes perfect on the return of the oill pro- 
 Territories, twenty per cent. The acceptor is made liable to damages upon protest for 
 non-pavment of bills accepted in this State, at the rate of four per cent on the princi- 
 pal sum ; on bills accepted at any place without this State, but within the United States 
 or their Territories, at the rate of ten per cent; and on bills accepted beyond the 
 United States and their Territories, at the rate of twenty per cent. These damages 
 can be recovered only by a holder for a valuable consideration. The damages are in 
 lieu of interest, charges of protest, and other charges previous to and at the time of 
 giving notice of dishonor. When the bills are payable in money of the United States, 
 the rate of exchange is disregarded; but when payable in foreign currency, the amount 
 due, exclusive of damages, is ascertained by the rate of exchange at the time of pay- 
 ment. R. S. 1 855, Vol. I. pp. 293 - 295. That the bill must contain the words " for value 
 received," in order to entitle the holder to damages, see Hallowell v. Page, 24 Misso. 
 590 ; Riggs V. City of St. Louis, 7 id. 438. 
 
 New York. The rate of damages to be allowed and paid upon the usual protest for 
 non-payment or non-acceptance of bills of exchange, drawn or negotiated within this 
 State, is, for bills payable in either of the Eastern or New England States, in New Jer- 
 sey, Pennsylvania, Ohio, Delaware, Maryland, or Virginia, or in the District of Co- 
 lumbia, three per cent; for bills payable in North Carolina, South Carolina, Georgia, 
 Kentucky, or Tennessee, five per cent; for bills payable in any other State or Terri- 
 tory of the United States, or at any other place on or adjacent to this continent and 
 north of the equator, or in any British or other foreign possessions in the West Indies, 
 or elsewhere in the Western Atlantic Ocean, ten per cent ; for bills payable in any 
 port or place in Europe, ten per cent. These damages are in lieu of interest, charges 
 of protest, and all other charges incurred previous to and at the time of giving notice 
 of non-payment or non-acceptance ; but the holder may recover subsequent interest 
 and damages. Where the contents of the bill are expressed in the money of account 
 or currency of any foreign country, the amount due, exclusive of the damages payable 
 thereon, is to be ascertained and determined by the rate of exchange, or the value of 
 such foreign currency at the time of the demand of payment. The holder of the bill 
 cannot recover damages unless he has paid value therefor. 2 R. S. p. 179, 180, 4th ed. 
 
 North Carolina. The damages on protested bills of exchange, drawn or indorsed 
 in this State, are as follows. For bills drawn upon any person in any other of the 
 United States, or in any of the Territories thereof, three per cent ; for bills payable in 
 any otiier place in North America (excepting the Northwest Coast of America), or in 
 any of the West India or Bahama Islands, ten per cent ; for bills payable in the island 
 of Madeira, the Canaries, the Azores, the Cape de Verd Islands, or in any other state 
 or place in Europe or South America, fifteen per cent ; if payable in any other part of 
 the world, twenty per cent on the principal sura. R. Code, 1854, c. 13, pp. Ill, 112. 
 
 Ohio. Tlie damages on bills of exchange negotiated in this State, drawn on any 
 person v.-ithout the jurisdiction of the United States, and returned protested, are twelve 
 per cent ; upon bills drawn on any person within the jurisdiction of the United States, 
 and without the jurisdiction of this State, six per cent. The bills in all cases bear 
 interest of six per cent from the date of protest. No damages are recoverable in case 
 there is an agreement or understanding between the drawer or indorser and the payee 
 or indorsee, permitting the bill to be paid at any other place than that on which it was 
 drawn. R. S. 1854, Swan's ed , p. 576. Under this statute it is held that damages 
 cannot be recovered on a bill drawn upon a person resident in Ohio, although payable 
 \n New York. Farmers' Bank !'. Brainerd, 8 Ohio, 292. But where a bill was drawn 
 in Cincinnati, directed to " T. & C. New Orleans," T. & C- being a firm having bnsi-
 
 660 NOTES AND BILLS. [CH. XIV, 
 
 tested, and is as fixed and determinate an oblio-ation as the debt 
 
 ness houses both in New Orleans and Cincinnati, T, residing in the former city and C. 
 in the latter, and the bill was accepted for the New Orleans house by C. at Cincinnati, 
 and at maturity was presented for payment to the house in New Orleans, and protested 
 for non-payment, it was held that the drawers were liable to pay six per cent damages, 
 according to the statute. The former case was distinguished from this by the fact that 
 the bill in that case was drawn, not on a Jinn, but an individual, resident within the 
 State, and not appearing to have any place of business, without the State, at which the 
 bill was addressed to him. West r. Valley Bank, 6 Ohio State, 168. See Indiana, 
 ante, p. 6.^6, for decisions to the like effect of that in Farmers' Bank v. Brainerd, 
 8 Ohio, 292. See Cox v. Bank of Tennessee, 3 Sneed, 140 ; Clay v. Hopkins, 3 
 A. K. Marsh. 485 ; Bank of U. S. v. Daniel, 12 Pet. 32, .53. To entitle the holder of 
 a bill drawn in Ohio on another State to recover the statutory damages, a protest is 
 necessary. Case v. Heft'ner, 10 Ohio, 180, 187. 
 
 Oregon. The damages on bills of exchange, drawn or indorsed in this State, and 
 payable beyond the limits of the United States, are at the rate of ten per cent in addi- 
 tion to the current rate of exchange, together with interest from date of protest ; and 
 such amount of contents, damages, and interest is in full of all damages, charges, and 
 expenses. On bills payable out of this State, but within some State or Territory of 
 the United States, tiie damages are five per cent, with interest and costs and charges 
 of protest. Comp. Stats. 1855, p. 531. 
 
 Pennsylvania. The damages on bills of exchange drawn or indorsed in this State, 
 and returned for non-acceptance or non-payment with a legal protest, over and above 
 the principal sum and lawful interest, and charges of protest, from th^. time at which 
 notice of such protest shall have been given, are, for bills payable in any of the United 
 States or Territories thereof, excepting Upper and Lower California, New Mexico, and 
 Oregon, five per cent ; for bills payable in these excepted States and Territories, ten per 
 cent ; for bills payable in China, India, or other parts of Asia, Africa, or i.>ilands in the 
 Pacific Ocean, twenty per cent ; for bills upon Mexico, the Spanish Main, West In- 
 dies or other Atlantic islands, east coast of South America, Great Britain, or other 
 places in Europe, ten per cent ; for bills upon places on the west coast of South Amer- 
 ica, fifteen per cent ; and for bills upon any other part of the world ten per cent upon 
 such principal sum. Tlie amount of such bill, and of the damages payable thereon, is 
 ascertained and determined bj- the rate of exchange, or value of the money or cur- 
 rency mentioned in such bill at the time of notice of protest and demand of payment. 
 Pardon's Dig. 1857, p. 91 ; Acts of 1821 and 1850. This statute has regard only to 
 drawers and indorsers, and not to acceptors of bills. Watt v. Kiddle, 8 Watts, 545. 
 
 Rhode Island. Bills drawn or indorsed in this State, ar)d returned from any place or 
 country without the limits of the United States protested for non-acceptance or non- 
 payment, subject the drawer or indorser to the payment of ten per cent damages 
 thereon, and charges of protest, with interest. The damages on bills payable in other 
 States of the United States, and returned under protest, arc five per cent, together with 
 charges of protest and iiiK^rest, from the date of protest. U. S. 1857,c. 122, ^^ 1 -3, p. 277. 
 
 South ("arolina. The damages on bills of exchange drawn upon persons resident 
 within the United States, and out of this State, and returned protested, are ten per cent ; 
 and on all bills in like manner drawn u[)oii persons resident in any other part of North 
 America, or within any of the West India Islands, and protested, the damages are 
 twelve aufl a half |)er cent ; and on all bills drawn on persons resident in any other 
 part of the wf)rld, fifteen per cent, and all charges incidental thereto, with lawful in- 
 lercHt, until the sumc be paid. Stats, at Large, Vol. IV. p. 741 ; Act of 1780
 
 CH. XIV J RE-EXCHANGE AND OTHER DAMAGES. 661 
 
 itself; (g-) and damages may be recovered without being specially 
 
 Tennessee. When a bill of exchange, drawn or indorsed in this State, upon any 
 person of or in any other State or Territory, is returned protested, the payee may 
 recover from tlie drawer or indorsers, besides the principal, interest, and charges of pro- 
 test, damages at the following rates per cent upon the principal sum : Three per cent, 
 if the bill w;us drawn upon a person of or in any of the United States or Territories 
 thereof; fifteen per cent, if drawn upon any person of or in any other State or place 
 in North America bordering upon the Gulf of Mexico, or of or in any of the West India 
 Islands. The damages are in lieu of interest and all other charges, except charges of 
 protest, to tlie lime when notice of the protest and demand of payment shall have been 
 given ; but interest shall be computed from that time on the principal, together with the 
 damages and charges of protest. Code 18,58, §^ 196.3, 1964. It is held that a bill 
 drawn and accepted in this State, all the parties to which reside in this State, but paya- 
 ble in another State, is not such a bill as is contemplated in the statute, upon protest 
 of which three per cent damages can be recovered by the holder. Cox i;. Bank ' 
 Tennessee, 3 Sneed, 140. 
 
 Texas. The damages on bills of exchange drawn in this State, upon any perst 
 living beyond the limits of this State, are ten per cent on the amount of such bill 
 together with interest and costs of suit thereon, accruing when the liability of tht 
 drawer or indorser of such bill has been fixed by the commencement of a suit instead 
 of a protest. Oldham & Whiten, Dig. 1859. 
 
 Virginia. When a bill of exchange, drawn or indorsed within this State, is pro- 
 tested for non-acceptance or non-payment, the party liable shall pay damages u])on the 
 principal, at the rate of three per cent if the bill be payable out of Virginia and 
 within the United States, and at the rate of ten per cent if the bill be payable without 
 the United States. Code 1849, p. 582. 
 
 Wisconsin. Whenever any bill of exchange drawn or indorsed within this State, 
 and payable without the limits of the United States, shall be duly protested for non- 
 acceptance or non-payment, the party liable for the contents of such bill shall pay the 
 same at the current rate of exchange at the time of the demand, and damages at the 
 rate of five per cent upon the contents thereof, together with interest on the said con- 
 tents, to be computed from the date of the protest ; and said amount of contents, dam- 
 ages, and interest shall he in full of all damages, charges, and expenses. The damages 
 on bills of exchange, payable within some State or Territory of the United States 
 adjoining this State, are five per cent, together with costs and charges of protest 
 and interest. On bills drawn on other States, the holder recovers ten per cent dam- 
 ages, together with costs and charges of protest and legal interest, li. S. 1858, c. 60, 
 ^ 8-10, p. 409. 
 
 (</) Hargous v. Lahens, 3 Sandf. 213. It was held in this case that the holder of a 
 foreign bill is entitled to his damages, on its non-payment, upon the whole amount of 
 the bill, although he may subsequently to the protest receive part payment of the hill 
 from the acceptor at the place where it is due and payable. Laing n. Barclay, 3 Stark. 
 38, and Bangor Bank v. Hook, 5 Greenl. 174, to the contrary, are reviewed. " Now 
 it is obvious," says Sandford, J., " that the subsequent collection of the amount of the 
 protested bill at the place where it was payable will not make the remitter whole in the 
 transaction, unless it shall so happen that the rate of exchange is at that time so favor- 
 able to him that he can sell a bill drawn by him against such collection for as much as 
 U cost him to remit and take up the protested bill when he received notice of its dis- 
 bonor, togetiier with his expenses in the collection. Thus the result in reference to an 
 actjal reitpbursement of the remitter, or a restoration to the same state he would have 
 
 VOL. I. 5G
 
 662 NOTES AND BILLS. [CH. XIV. 
 
 [aid ill th", declaration. (//) It is said, however, that an averment 
 of protcsf is necessary to the recovery of damages, because they 
 accrue only on the protest. (t) It is genorally held that these 
 damages are not regarded in law as a penalty, but as a com- 
 pensation made necessary by the principle of indemnity. (j) 
 
 To the sum due on the face of the paper, legal interest, from 
 liio time when it became due, should be added Noting, post- 
 ages, and perhaps any other necessary expenses, may also be 
 recovered ; but a money count should be added to the declara- 
 tion to cover these charges. (/t) 
 
 If an indorser is sued, and, by a judgment against him, com- 
 pelled to pay, lie cannot ordinarily charge the costs of suit, or 
 the expenses of his defence, to prior parties ; for his remedy 
 against them is limited to what he must have paid without 
 suit.(/) ll\ however, the party thus obliged to pay was an ac- 
 commodation party, that is, if he drew, accepted, or indorsed 
 the paper wholly and knowingly without consideration, and 
 with intention to accommodate another party, he may charge 
 
 been in if the bill had been paid according to its tenor and obligation, would depend 
 upon the fluctuations of exchange, the credit of the holder as a drawer of forci^jn bills, 
 the continued solvency of his agent abroad, and other considerations which we need 
 not enumerate. It was intended by the rule of fixed damages provided in the statnto 
 to avoid all inquiries of tiiis character in every case of protested bills of exchange." 
 See coiitrii, Warren v. Coombs, 20 Maine, 139. 
 
 (/() Lloyd V. McGarr, 3 Barr, 474, per Gibson, C. J. The damages allowed by stat- 
 ute are not given as a penalty for drawing without authority, but as commutation for 
 interest, damages, and re-exchange. It is in truth, a liquidation of the damages, not 
 by the parties, but by the law. fixing the compensation for the loss befoi-chand, to save 
 time ami litigation ; and if damajjes need not be specially laid where there is no statute 
 on the subject, as they certainly need not he in Kngland, no rule of pleading requires 
 them to be laid in their liquidated form. In Bank of U S. / . United States, 2 How. 
 711, 737, Mcl^mi, J. remarked, that tin; damages on bills of exchange given hy the 
 stHtufe are as tnueh a part of the contract as the interest. 
 
 (/■) Jordan ». Bell, 8 Port. Ala. ."iS. 
 
 ( /) Among the leading authorities on tliis point are Lennig i;. Ralston, 23 Penn. 
 State, 137, 140 ; Allen v. Union Bank of Louisiana, fi Whart. 420, 42.i ; Bangor Bank 
 r. Hook, 5 Greenl. 174. 
 
 (/. ) Kendrick »;. Lomax, 2 Cromp. & J. 40,5, 2 Tyrw. 438 ; Bollantl, B : "I have 
 always heard it stated, that if there was no count s|)ecially stating them, tho<e charges 
 could not he recovered. Interest is clearly different. It flows out of the coniiact." 
 
 (/) Dawson v. Morgan, '.» B. & C. 618; Hoach v. Th.,mpson, 4 Car. & P. 194; 
 SimpMin It. Griffin, 9 .Johns. 131 ; Steele v. Sawyer, 2 McCord, 4.'J9. In King v. Phil- 
 lips, Pet. C. C. S.'iO, th(! tpiestion whether the itidorscrs of a bill could recover the costs 
 of a suit against them was intended to be submitted to the court, but the court said 
 that it could not arise on the dec'arafion, inasmuch as there was no money count in it.
 
 CH. XIV.] RE-EXCHANGE AND OTHER DAMAGES. 663 
 
 to this otlier party, not only tlie face of the paper, l)ut the 
 costs of an action against him. We know no anthority, how- 
 ever, vvhicli permits liim to charge expenses as well as costs. 
 And nndonbtedly the charge of costs wouhi be excluded if the 
 party accommodated could show that the defence to the suit was 
 wholly unnecessary and unjustified. 
 
 It may be well to remark, that the rate of exciiange is some- 
 times natural and sometimes artificial ; and sometimes it con- 
 tains both of these elements. Thus, our exchange on England 
 is never nominally at par, because our statute makes the pound 
 sterling equal to only four dollars and forty-four cents ; which ia 
 nearly ten per cent less than it is really when paid in gold. 
 Accordingly, while <£ 100 sterling is legally worth only $4-14, to 
 pay that sum in London one must pay in New York, if tlie ex- 
 change is actually at par, about $484. A recent United States 
 statute has provided, that, for the purpose of estimating duties 
 on imported goods, the pound sterling shall be calculated at four 
 dollars and eighty-four cents, which is about its true value. (»/) 
 Bat the matter of exchange is left to itself. Merchants reguhitc 
 that by adding from nine to ten per cent to the actual rate of 
 the day (or that which would be the rate if it were determined 
 by business alone), and thus the buying and selling rate is made. 
 This is seldom less than eight per cent, for if it falls so low, or 
 nearly so low, gold comes over from England ; and seldom more 
 than eleven, for if it rises so high, or near this rate, gold, 
 instead of bills, is sent to England. 
 
 If a foreign creditor sues his debtor in this country, nob on a 
 bill of exchange, many authorities say that he recovers his del»t 
 only at the legal par of exchange, without any allowance or 
 increase for the rate of exchange, either natural or artificial. («) 
 
 (m) Statute of July 27, 1842, c. 66, 5 U. S. Stats, at Large, 496. 
 
 (n) In Martin v. Franklin, 4 Johns. 124, the plaintiffs were merchants in Livcrpdol, 
 and it was admitted that the debt was contracted in Great Britain, and that the ac- 
 connts between the parties are in sterling money. The declaration stated the defend- 
 ants as being indebted to the plaintiffs in the city of New York. The court held that 
 ■'the debt is to be paid according to the par, and not the rate of exchange. It is re- 
 coverable and payable here to the plaintiffs or their agent ; and the courts are not to 
 /nquire into the disposition of the debt, after it reaches the hands of the agent. He 
 may remit the debt to his principal abroad, in bills of exchange, or he may invest it 
 here on his behalf, or transmit it to some other part of the United States, or to other 
 countries on the same account. We cannot trace the disposition which is to take 
 place subsequent to the recovery, nor award spinal damages upon such uncertain cal-
 
 654 MOTES AND BILLS. [CH. XIV 
 
 Hut this rule would plainly operate injustice to an English cred- 
 itor, to the amount at least of the difference between the legal 
 par, or, as it may be called, the artificial par, and the natural 
 par. For if one owing £ 1,000 in London could pay that in New 
 York with $4,444, the English creditor would lose by the error 
 of our law the difference between that sum and $4,844, which, 
 because the actual par, is adopted by our country for all pur- 
 poses of revenue. 
 
 culations. All that the plaintiffs can ask is their debt justly liquidated and paid in 
 the lawful currency of the United States." 
 
 In Adams v. Cordis, 8 Pick. 260, the court, citing the above, say that they subscribe 
 to this doctrine. Of the case of Smith ;' Shaw, 2 Wash. C. C 167, to the contrary, 
 the court remark, that it is of very little authority, as the point was not stated in argu- 
 ment, and was settled suddenly by the court without advancing any reason in support 
 of it. In Lodge v Spooner, 8 Gray, 166, a certain sum of money was to be paid in 
 China on the performance of an agreement entered into between the parties. The 
 plaintiff performed his part of the contract, and claimed to recover, in addition to the 
 original sum and interest, the rate of exchange between this country and China at the 
 time when the money should have been paid. But the court held that he was not en- 
 titled to the exchange, and c*;idence that there was no tribunal in China in which one 
 foreigner could recover of another, and that these funds were to be invested in China, 
 was helikto be inadmissible. In Weed ;;. Miller, 1 McLean, 423, after reviewing the 
 authorities, the court say that, at all events, the rate of exchange is not recoverable on 
 a note of hand where the declaration lays the venue in the State where the suit is 
 brought, and there is no count nor allegation to cover the difference of exchange, 
 althoutrh the difference of exchange may always be recovered on a bill of exchange. 
 But the rate of exchange may be recovered on a promissory note given in New York, 
 payable at Detroit, when it is expressly stated to be payable with the current rate of 
 exchange. Grutacap v. Woulluise, 2 McLean, 581 ; Scoficld v. Day, 20 Johns. 102. 
 But, on the other hand, the English decisions and some American decisions are in 
 favor of allowing a foreign creditor to be paid at the rate of exchange. Scott v. Bevan, 
 2 B. & Ad. 78 i Cash v. Kennion, 1 1 Yes. 314 ; Grant v. Healey, 3 Sumner, .')23. And 
 see Howard c. Central Hank, 3 Ga 37.5; Bank of Missouri v. Wright, 10 Misso. 719. 
 In Grant r. Healey, 3 Sutnner, 523, Mr. Ju.stice S/onj, delivenng the opinion of the 
 court, said : " I take the general doctrine to be clear, that whenever a debt is made 
 pavable in one country, and it is afterwards sued for in another country, the creditor 
 is entitled to receive the full sum nece>sary to replace the money in the country where 
 It ought to have been paid, with intercHt for the delay; for tlien, and then otdy. is he 
 fully iiidemnilied for the violation of the contract. In every such case, the plaintiff is. 
 therefi)re, entitled to have the debt due to him first ascertained at the par of exchange 
 belwecti ih(! two countries, and then to have the rate of exchange between those coun- 
 tries added to, or subtracted from, the amount, as the case mi\y require, in order to re- 
 place lh(! money in the country wli(;re it ought to be paid. It seems to me that this 
 
 doctrine is founded on the true priiniples of reciprocal justice It is suggested, 
 
 that the case of bills of exchange stands upon a distinct groui:d, that of usage; and il 
 »n exception from the general doctrine. 1 think ollicrwi.e." 
 
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