852                             LAWS OF MARYLAND                      [CH. 538

(c)  where an instrument shows the date on which it is payable
presentment for payment is due on that date;

(d)  where an instrument is accelerated presentment for payment
is due within a reasonable time after the acceleration;

(e)  with respect to the liability of any secondary party present-
ment for acceptance or payment of any other instrument is due
within a reasonable time after such party becomes liable thereon.

(2)  A reasonable time for presentment is determined by the nature
of the instrument, any usage of banking or trade and the facts of
the particular case. In the case of an uncertified check which is
drawn and payable within the United States and which is not a draft
drawn by a bank the following are presumed to be reasonable periods
within which to present for payment or to initiate bank collection:

(a)  with respect to the liability of the drawer, thirty days after
date or issue whichever is later; and

(b)  with respect to the liability of an indorser, seven days after
his indorsement.

(3)   Where any presentment is due on a day which is not a full
business day for either the person making presentment or the party
to pay or accept, presentment is due on the next following day which
is a full business day for both parties.

(4) Presentment to be sufficient must be made at a reasonable
hour, and if at a bank during its banking day.

3—504. How Presentment Made.

(1)  Presentment is a demand for acceptance or payment made
upon the maker, acceptor, drawee or other payor by or on behalf
of the holder.

(2)  Presentment may be made.

(a)   by mail, in which event the time of presentment is determined
by the time of receipt of the mail; or

(b)   through a clearing house; or

(c)  at the place of acceptance or payment specified in the instru-
ment or if there be none at the place of business or residence of the
party to accept or pay. If neither the party to accept or pay nor
anyone authorized to act for him is present or accessible at such
place presentment is excused.

(3)  It may be made

(a)  to any one of two or more makers, acceptors, drawees or other
payors; or

(b)  to any person who has authority to make or refuse the accept-
ance or payment.

(4) A draft accepted or a note made payable at a bank in the
United States must be presented at such bank.

(5) In the cases described in Section 4—210 presentment may be
made in the manner and with the result stated in that section.