A change in the amount of the instrument,1 either increasing the amount of the note,2 or decreasing it,3 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;4 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;5 or adding property to a bill of sale8 or chattel mortgage7 are all material alterations. Inserting the word "gold" before "dollars" in a promise to pay money, is a material alteration.8 So adding over a blank indorsement: "For value received we hereby guarantee 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.9 The act of the grantee in causing a change in a deed, which reduces the amount of a mortgage indebtedness which the grantee assumes and agrees to pay, is a material alteration.10 The act of the holder of a note and mortgage, in forging the maker's name to interest notes and in attaching them to the principal note, is a material alteration of such note.11 After a mortgage has been executed and delivered, the addition of a clause providing for insurance without the consent of the mortgagor, is a material alteration.12 The indorsement of a fictitious credit upon a note, so as to reduce the amount which appears to be due thereon, is a material alteration.13

1 England. Scholfield v. Londesbor-ough [1895], 1 Q. B. 636.

Alabama. Green v. Sneed, 101 Ala. 205, 46 Am. St. Rep. 119, 13 So. 277.

Arkansas, Fordyce v. Kosminski, 49 Ark. 40, 4 Am. St. Rep. 18, 3 S. W. 892.

Illinois. Keller v. State Bank, -111. -, 127 N. E. 94.

Indiana. Johnston v. May, 76 Ind. 293.

Iowa. Knoxville National Bank v. Clark, 51 la. 264, 33 Am. Rep. 129, 1 N. W. 491.

Kansas. Herington Bank v. Wan-gerin, 65 Kan. 423, 50 L. R. A. 717, 70 Pac. 330.

Maryland. Burrows v. Klunk, 70 Md. 451, 14 Am. St. Rep. 371, 3 L. R. A. 576, 17 Atl. 378.

Massachusetts. Doane v. Eldridge, 82 Mass. (16 Gray) 254; Wade v. Withing-ton, 83 Mass. (1 All.) 561; Greenfield Savings Bank v. Stowell, 123 Mass. 196, 25 Am. Rep. 67; Cape Ann National Bank v. Burns, 129 Mass. 596.

Minnesota. Warder, Bushnell & Glessner Co. v. Willyard, 46 Minn. 531, 24 Am. St. Rep. 250, 49 N. W. 300.

Missouri.. Highland Investment Co. v. Kansas City Computing Scales Co., 277 Mo. 365, 209 S. W. 895.

Hew Mexico. Ruby v. Talbott, 5 N. M. 251, 3 L. R. A. 724, 21 Pac. 72.

Ohio. Merrick v. Boury, 4 O. S. 60; Portage County Branch Bank v. Lane, 8 O. S. 405.

South Dakota. Searles v. Seipp, 6 S. D. 472, 61 N. W. 804.

Washington. Washington Finance Corporation v. Glass, 74 Wash. 653, 46 L R. A. (N.S.) 1043, 134 Pac. 480.

Wisconsin. Matteson v. Ellsworth, 33 Wis. 488, 14 Am. Rep. 766.

2 England. Scholfield v. Londes-borough [1895], 1 Q. B. 536.

Alabama. Green v. Sneed, 101 Ala. 205, 46 Am. St. Rep. 119, 13 So. 277.

Arkansas. Fordyce v. Kosminski, 19 Ark. 40, 4 Am. St. Rep. 18, 3 S. W. 892.

Iowa. Knoxville National Bank v. Clark, 51 la. 264, 33 Am. Rep. 129, 1 N. W. 491.

Kansas. Herington Bank v. Wan-gerin, 65 Kan. 423, 59 L. R. A. 717, 70 Pac. 330.

Maryland. Burrows v. Klunk, 70 Md. 451, 14 Am. St. Rep. 371, 3 L. R. A. 576, 17 Atl. 378.

Massachusetts. Wade v. Withing-ton, 83 Mass. (1 All.) 561; Greenfield Savings Bank v. Stowell, 123 Mass. 196, 25 Am. Rep. 67; Cape Ann National Bank v. Burns, 129 Mass. 596.

Minnesota. Warder, Bushnell & Glessner Co. v. Willyard, 46 Minn. 531, 24 Am. St. Rep. 250, 49 N. W. 300.

Missouri Highland Investment Co. v. Kansas City Computing Scales Co., 277 Mo. 365, 209 S. W. 895.

New Mexico. Ruby v. Talbott, 5 N. M. 251, 3 L. R. A. 724, 21 Pac. 72.

South Dakota. Searles v. Seipp, 6 S. D. 472, 61 N. W. 804.

Wisconsin. Matteson v. Ellsworth, 33 Wis. 488, 14 Am. Rep. 766.

3 Keller v. State Bank, - 111. -, 127 N. E. 94; Johnston v. May, 76 Ind. 293; Doane v. Eldridge, 82 Mass. (16 Gray) 254; Portage County Branch Bank v. Lane, 8 O. S. 405.

4 Richardson v. Fellner, 9 Okla. 513, 60 Pac. 270.

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