Question 62.— A bill dated at Woodstock and drawn on a party in St. John reads:

" Pay to the Merchants Bank here the sum of             ."

Is this bill payable in Woodstock or St. John?

Answer.—It might be argued that "here" qualifies the order to pay, that is, that the bill is an order to pay the money in Woodstock. We think that the word " here " must be regarded as part of the description of the bank, that is, that the bill should be read as if made payable to the " Merchants Bank, Woodstock." The place of payment not being designated on the bill it should be presented for payment to the acceptor.