at the succeeding August term in Oxford, delivered the opinion of the Court, as follows.
Though it does not appear expressly that the bill in question was in Boston on the 18th of July 1816, yet, as it was presented for payment at the counting room of A. F. Howe & Co. on the 19th of that month, and as no reliance has been placed on this circumstance, if by the terms of the acceptance it was payable in Boston generally, perhaps the action is maintainable; though there is not proof of any inquiry and search for the drawer, who, it is admitted, was at that time an inhabitant of Wiscasset in this State. But we give no opinion on these points, because they have received but little attention from the counsel, and also because we place our opinion on another ground.
The only questions then, are, what is the legal character of the words A. F. Howe & Co.” written at the bottom of the bill ? For what purpose were they placed there; and what operation, according to law, do they have in regard to the acceptance and the rights of the parties ? The answer to these questions is not •unattended with difficulties. With a view of ascertaining the words themselves, as well as their import, design, and use, the inquiry was submitted todhe consideration of the jury; and under the instructions they received from the presiding Judge, they have found that they were placed on the bill by the acceptor, at the time of the acceptance; that they were intended to designate the place in Boston at which the bill should be presented for payment; that the plaintiff knew that such was the intention; and knew also the place thus designated as the place of payment. These facts thus found, taken in connection with the circumstance of the bill having been indorsed after acceptance, furnish proof that the nature and *151qualification of the acceptance, whatever they may be, were known to the payees at the time of the indorsement. Thus it appears that all the parties to the bill have acted with full knowledge of the nature of the contracts they have made. One objection urged against the instructions of the Judge is, that he ought not to have submitted the above mentioned facts to the consideration of the jury, but should himself have decided the legal effect of the acceptance, and of the additional words at the bottom of the bill. The answer to this objection is, that some of those facts could not appear from inspection; such as the time when the words were placed there, the person who wrote them, and the purpose for which they were written. These were facts proper for the jury to settle; and as to their legal effect the Judge did decide. His instruction to them was, that if they should find those facts, andjüso knowledge on the part of the plaintiff, to be as they actu-find them, that then, on legal principles, the plaintiffs were not entitled to recover. The finding of the jury amounts to this, that the words added at the bottom of the bill are a part of the acceptance, and, of course, have the same effect as though added immediately after the word “ Bostonand the acceptance would then have stood thus, u accepted to be paid in Boston at the store of A. F. Howe & Co.”
In this view of the facts proved, and the instructions given, we perceive no error, provided the legal conclusions drawn by him were correct, as to the operation of the acceptance thus proved and understood. Au examination of the English decisions on the subject of special and limited acceptances, and the nature and effect of a memorandum on a note or bill, as to the place of payment, shews, at one view, change, variance and confusion of opinions ; not only as to the legal operation of these qualifications of the contract created by designation of place for payment of a bill or note, but as to the mode of declaring upon such bill or note. The cases can never be reconciled, and we must either continue to go on in uncertainty in our endeavors to preserve uniformity of decision in the commercial world, as far as we are able, by similar fluctuation of opinion ; or else extract the good sense and sound reason of these conflicting cases, and then govern ourselves by settled principles. There have been so many distinctions *152introduced, not to say in some instances, refinements, tliat the real and honest intentions of the contracting parties, have in numerous instances been overlooked or disregarded. The principle of law seems to be well settled in England that when a particular place of payment is introduced into the body of a bill of exchange or note, and not by way of memorandum, whether the action be against the maker or indorser of anote ; or the drawer or acceptor of a bill; the bill or note must be presented and demand made at such place, in order to maintain the action. See Wolcott v. Van Santvoord 17 Johns. 248, and the cases there cited, and the note by the reporter. But if the designation of the place of payment is intimated in a memorandum in the margin or at the bottom of a note ; or if the acceptance of a bill is accompanied by words, “payable at” a particular place, such memorandum or qualification is not considered as any part of the contract, as it regards the note or acceptance, according to several English and according to several others, the contrary principle is established. In Smith v. Delafontaine, tried before Lord Mansfield in 1785, Saunderson v. Judge 2 H. Bl. 509, Lyon v. Sundies & Sheriff 1 Campb. 423, Wild v. Rennard Ib. 425, Trapp v. Spearman 3 Esp. 57, Nicholls v. Bower 2 Campb. 498, Price v. Mitchell 4 Campb. 200, and Fenton v. Goundry 13 East. 459,— such memorandum or qualification was liolden to be no part of the contract. In Parker v. Gordon 7 East. 385, Ambrose v. Hopwood 2 Taunt. 60, Calligan v. Aylett 3 Taunt. 397, Gammon v. Schmoll 5 Taunt. 344, and Chitty (2 Ed. 1807) 184, the contrary principle has been adhered to. If a bill of exchange be general, and the drawer accept it payable at a particular place ; thus limiting its generality, the holder is not bound to take such an acceptance ; but Johnson in the note above mentioned, says, “ If a holder of a bill, who is not bound to receive a qualified “ acceptance of it, does think proper to receive an acceptance “ restricting the payment to a particular place, is it not, as “ between him and the acceptor, as much a part of the contract “ as if it was inserted in the bill itself, or as much as in the case “ of a promissory note made payable at a particular place ? “ There seems to be no foundation for the distinction. The ■“ Court of C. B. are. more consistent when they put it on the *15344 ground that it is a qualification of the contract and a condition ‘■‘precedent, the performance of which must be alleged and shown “ to entitle the plaintiff to his action.” There certainly is much sound sense in this reasoning- of the reporter. Besides, when the acceptor thus designates the place of presentment and payment, the presumption is that he will place funds there for payment; and when the holder receives such a qualified acceptance, why should he not apply at the place appointed,where the funds are presumed and agreed to be placed ? — for the same reason that the holder of a town order is bound to present it to the town treasurer, before he can maintain an’ action against the town, as wo have decided in the case of Varner v. Nobleborough 2 Greenl. 121.
The acceptance of a bill of exchange is an independent act: as much so as the drawing of the bill. The drawee may accept on ^^hi^mnterms, but the holder is not bound to receive such an accep-BW^JPWmrying from the hill; if however, lie does so accept it, w'hy in reason and justice should he not be considered as agreeing to its terms and conditions. And when this restriction or qualification is in the form of a memorandum, and is by all parties considered as a qualification, why should it not be considered a part of the contract, and as binding on all parties assenting to the same, as if inserted in the body of the bill or note ? To make a distinction seems to be to give as much importance to a shadow as a substance. Several of the cases before cited, seem to make a distinction between actions against the acceptor upon a qualified acceptance, and actions against a drawer or indorser ; — that in the former case, the acceptance renders the acceptor universally liable and absolutely so, without any demand at the particular place named in the acceptance ; — while in the latter case, an action cannot be maintained unless a demand or presentment has been made at the appointed place ; because the liability of the drawer and indorser is always conditional. The line of distinction however is not drawn with clearness, and therefore we have not founded our opinion upon it, though there seem to he good reasons for the distinction.
Considering the difference of opinion which has prevailed in the English Courts, there is more room and more reason for our careful examination of principles and the adoption of those, for *154our guides, which appear to be founded in the most substantial justice and soundest good sense ; those principles which sanction and give effect to legitimate contracts, in whatever form they are made, which are perfectly understood, and are not forbidden by any statutory regulations. But we consider the principles established in the case of Jones v. Fales 4 Mass. 245, as strengthening the arguments we have used as to the construction and effect tobe given to the qualifying language of the acceptance. The action was founded on a promissory note given by Clapp to Fales, whereby he promised to pay him or order $680 in sixty days. Near the bottom of the bill were inclosed in brackets the words [foreign bills]. The note was indorsed by Fales to Jones, and the suit was against Fales as indorser ; and one question in the case was whether the note was a cash note ; and if not, whether it could support the plaintiff’s declaration. In the decision of that cause, two questions were settled which are of importancel^^B^ One was that the words “ foreign bills” were explained by parol testimony, in order to ascertain whether they were a part of the original contract, or a distinct and collateral engagement, not applicable to the note in the hands of an indorsee. And the Court set aside the verdict for the very purpose of admitting parol explanatory evidence. This authority seems to remove all objection to the propriety of admitting parol evidence in the present case, and submitting the facts relative to the memorandum, the circumstances under which it was made, and its import and intention, to the consideration of the jury. Another point decided was, the legal effect and operation of the words ££ foreign bills,” when unexplained by any parol proof.
For the sake of clearness wre quote the language oí Parsons C. - J. in delivering the opinion of the Court. He observes, ££ The ££ next question is, whether these words, thus written, and placed, “ are a part of the promisor’s contract. There is no proof by ££ whom the body of the note was written, or whether these “ questionable words were inserted before or after the signature, “ or by the pj’omissor or promissee. I can therefore reason only ££ from the face of the note. And it is a reasonable conclusion ££ that they must all be taken to be the words of the maker of “ the note, written before it was delivered to the promissee ; *155“ and not tlie words of the promissee assuring to the promissor “ any honorary or legal indulgence, either absolute or conditional. “ If they are the words of the promissor, they must be considered “either as idle words, or as a part of the promise to which lie “gave his signature ; or as a subsequent memorandum, explana- “ tory of the manner in which the promise was to be performed. “ 1 am not authorized to consider them as words without meaning, ‘ ‘ and I do not think it material whether they were a part of the “ original contract or added in explanation, for when the promis- “ see took the note with these words on it, he was subject to the “explanation in the memorandum, if it was one, as much as he “ would be bound by these words, if they were a part of the “promise.” According to this decision, the words “Jl. F. Howe & Co.” written by the acceptor at the time of the acceptance, and the return of the bill to the payees, would have rendered the memorandum explainable, had the present action been brought by them, and such explanation would have bound them ; and for the same reason it was explainable in the hands of the plaintiffs as indorsers ; and as by the finding of the jury, knowledge is brought home to them, of course they also are, bound by the memorandum, if it is considered as such, in the same manner as they would have been, if by the bill itself, the drawer had been requested to pay its amount at the store of A. F. Howe & Co. Boston.
In a word, according to the case of Jones v. Fales, the words “ A. F. Howe & Co." were a part of the contract of acceptance, and therefore, binding, even without explanation ; and being by law explainable, and having been explained and proved to have been inserted for the very purpose of designating the place where the bill should be, not merely might be presented ; and this being known and understood by all concerned, all are bound by it. And as the bill was not in due seasoii presented for payment at the place designated in the acceptance, the present action cannot be maintained.
But there is another point of view in which the cause may b» considered. As the bill in question is general in its form, not specifying any particular place of payment ; and as the restriction relative to the place of payment was inserted by *156the dr awe# in his acceptance, he had as much right to make the bill payable at a particular store in Boston, as in Boston generally. Now in the body of the acceptance, Boston is made the place of payment; and in the memorandum at the bottom of the bill the store of A. F. Howe & Co. is made the place ; and as the jury have found that all was written at the same time, and for the same purpose ; and as this restricted acceptance was not objected to by the holders of the bill, nor the bill protested on that account, as it might have been ; and as knowledge of all this was given to the plaintiffs, as the jury have found ; all parties must be considered as having assented to this limited acceptance, and must be bound by it. But supposing that the payees and the plaintiffs were never bound by it, and that they had a right to treat the restrictions as to the place of payment, as nullities even without a protest, how would the cause stand then ? If such were the case,. it is clear that the bill should have been presented for payment, not in Boston, but at the house or counting room of the drawee at Wiscasset, where he was well known to reside and do business; yet it was never presented there. Therefore, whether the plaintiffs were bound or not bound by the restrictions in the acceptance, the presentment was ineffectual. On this latter ground also the plaintiffs must fail.
As the jury have found for the defendant there must be judgment on the verdict.