22 BILLS OF EXCHANGE AND PROMISSORY NOTES. [ART. 13

shall be regarded as legal holidays, and shall be duly observed as
such, and shall for all purposes whatsoever as regards the pre-
senting for payment or acceptance and of the protesting and giv-
ing notice of the dishonor of bills of exchange, bank checks,
drafts and promissory notes be treated and considered as the first
day of the week, commonly called "Sunday; " and all such bills,
drafts, checks and notes presented for payment or acceptance on
these said days, shall be deemed to be presentable for acceptance
or payment on the secular or business day next preceding such
holiday.
Handy v. Maddox, 85 Md. 549.

1896, ch. 106.

12. On all notes, drafts, checks, acceptances, bills of exchange
bonds, or other evidences of indebtedness, made, drawn or accep-
ted by any person or corporation after the 27th day of March, 1896,
and in which there is no expressed stipulation to the contrary, no
grace according to the custom of merchants shall be allowed, but
the same shall be due and payable, as therein expressed without
grace.

NEGOTIABLE INSTRUMENTS ACT.

CHAPTER I—General Provisions.
1898, ch. 119.

13. This Act, consisting of sections 13 to 208, both inclusive,
of this article, shall be known as the Negotiable Instruments
Law.

14. In this Act, unless the context otherwise requires:

"Acceptance" means an acceptance completed by delivery or
notification.

"Action" includes counter-claim and set-off.

"Bank" includes any person or association of persons carrying
on the business of banking, whether incorporated or not.

"Bearer" means the person in possession of a bill or note
which is payable to bearer.

"Bill" means bill of exchange, and "note" 'means negotiable
promissory note.