A change in the amount of the note increasing it,1 or decreasing it,2 changing a recital in a note that it was given for the purchase price of buildings "on " lot one so as to read, "and " lot one;3 adding to an insurance policy after loss that it covers "shelving counters and drawers," even though the loss on the building alone exceeds the face of the policy ;4 or adding property to a bill of sale5 or chattel mortgage6 are all material alterations. Inserting the word "gold " before "dollars " in a promise to pay money, is a material alteration.7 So adding over a blank indorsement: "For value received we hereby guaranty the payment of the within note and waive presentment for payment, demand, and notice of protest," and "to be exchanged for railroad bonds," are both material alterations.8

139. (The added signature was a forgery of the name of the maker's wife.)

14 Bank v. Weidenbeck, 87 Fed. 271.

15 Bank v. Weidenbeck, 97 Fed. 896; 38 C. C. A. 131.

1 Sehofield v. Londesborough (1895), 1 Q. B. 536; Green v. Sneed, 101 Ala. 205; 46 Am. St. Rep. 119; 13 So. 277; Fordyee v. Kosminski, 49 Ark. 40; 4 Am. St. Rep. 18; 3 S. W. 892; Knoxville National Bank v. Clark, 51 la. 264; 33 Am. Rep. 129; 1 N. W. 491; Bank v. Wangerin, 65 Kan. 423; 59 L. R. A. 717; 70 N. W. 330; Burrows v. Klunk, 70 Md. 451; 14 Am. St. Hep 371; 3 L. R. A. 576; 17 Atl. 378; Cape Ann National Bank v. Burns, 129 Mass. 596: Greenfield Savings Bank v. Stowell, 123 Mass. 196; 25 Am. Rep. 67; Wade v. Withington, 1

All. (Mass.) 561; Warder, etc., Co. v. Willyard, 46 Minn. 531; 24 Am. St. Rep. 250; 49 N. W. 300; Ruby v. Talbott, 5 N. M. 251; 3 L. R. A. 724; 21 Pac. 72; Searles v. Seipp, 6 S. D. 472; 61 N. W. 804; Mat-teson v. Ellsworth, 33 Wis. 488; 14 Am. Rep. 766.

2 Johnston v. May, 76 Ind. 293; Doane v. Eldridge, 16 Gray (Mass.) 254; Portage County Branch Bank v. Lane, 8 O. S. 405.

3 Richardson v. Fellner, 9 Okla. 513; 60 Pac. 270.

4 Phoenix Insurance Co. v. Mc-Kernan, 100 Ky. 97; 37 S. W. 490.

5 Babb v. Clewson, 10 Serg. & R. (Pa.) 419; 13 Am. Dec. 684.

6 Bacon v. Hooker, 177 Mass. 335; 83 Am. St. Rep. 279; 58 N. E. 1078.

7 Foxworthy v. Colby, 64 Neb. 216; 62 L. R. A. 393; 89 N. W. 800.