158                                               LAWS OF MARYLAND                             [Ch. 49

burden of establishing that any completion is
unauthorized is on the party so asserting.

3—116. Instruments payable to two or more persons.

An instrument payable to the order of two or more
persons

(a)    If in the alternative is payable to any
one of them and may be negotiated, discharged or enforced
by any of them who has possession of it;

(b)   If not in the alternative is payable to
all of them and may be negotiated, discharged or enforced
only by all of them.

3—117. Instruments payable with words of description.

An instrument made payable to a named person with
the addition of words describing him

(a)   As agent or officer of a specified person
is payable to his principal but the agent or officer may
act as if he were the holder;

(b)    As any other fiduciary for a specified
person or purpose is payable to the payee and may be
negotiated, discharged or enforced by him;

(c)    In any other manner is payable to the
payee unconditionally and the additional words are
without effect on subsequent parties.

3—118. Ambiguous terms and rules of construction.

The following rules apply to every instrument:

fa) where there is doubt whether the
instrument is a draft or a note the holder may treat it
as either. A draft drawn on the drawer is effective as
a note.

(b)   Handwritten terms control typewritten and
printed terms, and typewritten control printed.

(c)   Words control figures except that if the
words are ambiguous figures control.

(d)    Unless otherwise specified a provision
for interest means interest at the judgment rate at the
place of payment from the date of the instrument, or if
it is undated from the date of issue.

(e)   Unless the instrument otherwise specifies