1146 LAWS OF MARYLAND. [CH. 454

(C) The designation of the above methods shall not ex-
clude any other method of - forwarding or presentment which
under existing rules of law would constitute ordinary care.

89. ITEMS RECEIVED THROUGH THE MAIL. Where the
item is received by mail by a solvent drawee or payor bank,
it shall be deemed paid when the amount is finally charged to
the account of the maker or drawer.

90. ITEMS LOST IN TRANSIT. Where an agent bank for-
wards an item for collection, it shall not be responsible for its
loss or destruction, in transit or, when in the possession of
others, for its inability to repossess itself thereof, provided
there has been no lack of ordinary care on its part,

91. MEDIUM OF PAYMENT. Where ordinary care is exer-
cised, any agent collecting bank may receive in payment of an
item without becoming responsible as debtor therefor, whether
presented by mail, through the clearing house or over the
counter of the drawee or payor, in lieu of money, either (a)
the check or draft of the drawee or payor upon another bank
or (b) the check or draft of any other bank upon any bank
other than the drawee or payor of the item or (c) such method
of settlement as may be customary in a local clearing house
or between clearing banks or otherwise; provided that when-
ever such agent collecting bank shall request or accept in pay-
ment an unconditional credit which has been given to it on
the books of the drawee or payor or on the books of any other
bank, such agent collecting bank shall become debtor for such
item and shall be responsible therefor as if the proceeds were
actually received by it in money.

92. MEDIUM or REMITTANCE. Where ordinary care is
exercised, any agent collecting bank may receive from any
subsequent bank in the chain of collection in remittance for
an item which has been paid, in lieu of money, the check or
draft of the remitting bank upon any bank other than itself
or the drawee or payor of the item or such other method of
settlement as may be customary; provided that whenever such
agent collecting bank shall request or accept an unconditional
credit which has been given to it on the books of the remitting
bank or on the books of any other bank, such agent collecting
bank shall become debtor for such item and shall be responsi-