302 BILLS OF EXCHANGE AND PROMISSORY NOTES. [AET. 13

1904, art. 13, sec. 202. 1898, ch. 119.

202. Except as herein otherwise provided, where any one part of a
bill drawn in a set is discharged by payment or otherwise, the whole
bill is discharged.

CHAPTER XVII—Promissory Notes and Checks.

Ibid. sec. 203. 1898, ch. 119.

203. A negotiable promissory note within the meaning of this act
is an unconditional promise in writing made by one person to another,
signed by the maker engaging to pay on demand or at a fixed or deter-
minable future time, a sum certain in money to order or to bearer.
Where a note is drawn to the maker's own order, it is not complete until
indorsed by him.

Ibid. sec. 204. 1898, ch. 119.

204. A check is a bill of exchange drawn on a bank payable on
demand. Except as herein otherwise provided, the provisions of this
act applicable to a bill of exchange payable on demand apply to a
check.

Ibid. sec. 205. 1898, ch. 119.

205. A check must be presented for payment within a reasonable
time after its issue or the drawer will be discharged from liability
thereon to the extent of the loss caused by the delay.

Ibid. sec. 206. 1898, ch. 119.

206. Where a check is certified by the bank on which it is drawn,
the certification is equivalent to an acceptance.
See art. 11, sec. 66.

Ibid. sec. 207. 1898, ch. 119.

207. Where the holder of a check procures it to be accepted or
certified, the drawer and all indorsers are discharged from liability
thereon.

Where there is a dispute between a debtor and creditor as to the amount
due, and the former sends the latter a check for less than the creditor claims
to be due, stating that it is in full settlement, and not to be used unless it
is so accepted, the action of the creditor in having such check certified,
amounts to a "using" of the check and an acceptance thereof in full settle-
ment. Effect of the certification of a check. Scheffenacker v. Hoopes. 113
Md. 117,

Ibid. sec. 208. 1898, ch. 119.

208. A check of itself does not operate as an assignment of any
part of the funds to the credit of the drawer with the bank, and the
bank is not liable to the holder, unless and until it accepts or certifies
the check.