A negotiable contract must contain words of negotiability.1 The customary words of negotiability are "or order," or "or bearer,"2 but other words, such as "or assigns,"3 which show a similar intent, have been held to be sufficient. A phrase to the effect that a given deposit is "payable to the order of himself," referring to the depositor, does not render the contract non-negotiable.4

National Bank, 87 Va. 661, 24 Am. St. Rep. 673, 13 S. E. 98.

See also, Morehead v. Parkersburg National Bank, 5 W. Va. 74, 13 Am. Hep. 636.

The term "bank" includes a trust company. Millikan v. Security Trust Co., - Ind. - , 118 N. E. 568. A provision that the note is payable "at" a trust company without using the phrase "in the office of" such trust company does not prevent it from being negotiable. Millikan v. Security Trust Co. - Ind. - , 118 N. E. 568.

4 Williams v. Paintsville National Bank, 143 Ky. 781, 137 S. W. 535; Gah-ren v. Parkersburg National Bank, 157 Ky. 266, 162 S. W. 1135.

5 Section 6 of the Negotiable Instruments Law.

6 Peninsula National Bank v. Peder-son Const. Co., 91 Wash. 621, 158 Pac. 246.

7 Stadler v. First National Bank, 22 Mont. 190, 74 Am. St. Rep. 582, 56 Pac. 1ll; Peninsula National Bank v. Pederson Const. Co., 01 Wash. 621, 158 Pac. 246.

1 Kentucky. Wettlaufer v. Baxter, 137 Ky. 362, 26 L. R. A. (N.S.) 804, 125 S. W. 741.

Mississippi. Sivley v. Williamson, 112 Miss. 276, 72 So. 1008.

Nebraska. First. National Bank v. Greenlee, 102 Neb. 180, L. R. A. 1918D, 224, 166 N. W. 559.

North Carolina. Newland v. Moore, 173 N. Car. 728, 92 S. E. 367.

North Dakota. Aamoth v. Hunter, 33 N. D. 582, 157 N. W. 299.

Tennessee. Dobbins v. Carroll, 137 Tenn. 133, 192 S. W. 166; Weems v. Neblett, 139 Tenn. 655, 202 S. W. 930 The Negotiable Instruments Act requires words of negotiability. Wettlaufer v. Baxter, 137 Ky. 362, 26 L. R. A. (N.S.) 804, 125 S. W. 741; Dobbins v. Carroll, 137 Tenn. 133, 192 S. W. 166.

2 Georgia. Chandler v. Smith, 147 Ga. 637, 95 S. E. 223.

Kentucky. Wettlaufer v. Baxter, 137 Ky. 362, 26 L. R. A. (N.S.) 804, 125 S. W. 741.

Mississippi. Sivley v. Williamson, 112 Miss. 276, 72 So. 1008.

North Carolina. Newland v. Mooro, 173 N. Car. 728, 92 S. E. 367.

North Dakota. Aamoth v. Hunter, 33 N. D. 582, 157 N. W. 299.

In the absence of statute, a provision. to the effect that the instrument is not transferable, prevents it from being negotiable.5 A phrase, "payable to the order of A only," renders the instrument non-negotiable, since the word "only," being in writing, prevailed over the printed words, "the order of."6 A phrase, "pay to the bearer, A," renders the contract non-negotiable.7