whether they are written with pen or pencil.
9. Losing a note does not release the maker from payment.
10. If no time is set in a note for payment, it becomes due as
soon as it is made.
11. Where a note is made in one state and is payable in another,
it is governed by the laws of the state in which it is to be paid.
12. Notes payable on demand draw no interest until after they have
been presented for payment.
13. If a note reads "with interest" and no rate is specified then
it draws the legal interest in the state in which it was made.
14. Demand notes are not entitled to days of grace.
15. If no place of payment is named in a note, it should be
presented to the maker personally in business hours.
16. The misspelling of a word or words in no way invalidates a
note.
17. If a person who cannot write makes a note his mark should be
properly witnessed.
18. The makers of a joint note must be sued jointly.
19. If the words and the figures in a note disagree, the words
take precedence.
20. A note signed by a firm may be collected from either of the
partners.
21. When a payment is made on a note secured by a mortgage, the
amount is endorsed on the note, never on the mortgage.
22. A note given by a minor is void, unless given for actual
necessities, like food and clothing.
23. If a note made by a minor is acknowledged when he comes of age
it is binding and collectible.