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acceptance for honor acceptor agent alteration amount assignment authority bill of exchange blank certificate of deposit certification chapter Commercial Paper constitutes defense delivery discharged dishonored by non-acceptance draft due course due notice due presentment duly Eaton & Gilbert effect enforce equities facie fact forged forgery fraud German-American Bank Gilbert on Commercial give notice given holder for value holder in due indorser's Inst instrument is payable L. M. Hance law merchant maker maturity Misc N. O. Burnap National Bank National Park Bank Negotiable Instruments Law non-payment notary public notice of dishonor paid payable on demand payable to bearer payable to order payee post office presentment for acceptance presentment for payment prior parties promise to pay promissory note protest qualified indorsement reasonable recover rule Schlesinger Seaboard National Bank signature statute sum certain thereof tiable tion transfer usury valid waiver warranties York