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This article is the second of a series addressed to the problem: What is the effect of the arrival of the maturity day of the customer's time note which had been discounted for him by his bank and credited to his account upon the bank's obligation to him to honor his checks? In the first article the conflict between the decision in South Carolina in Callahtan v. Bank of Anderson on the one hand and the decisions in New York and Pennsylvania in Delano v. quitable Trust Comnpany and Goldstein v. Jefferson Title & Trust Company on the other the only cases presenting the problem was noted. That article purported to dispose of the problem by applying legal method. Implicit in the necessary conclusion from the argument made in the application of legal method was the forecast that the future decisions of American courts including those of South Carolina would conform to the New York and Pennsylvania decisions.

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