If the indorsee or holder of a note has no notice at the time he receives it, of any facts or circumstances that would prevent any of the parties to the paper before him from recovering the whole amount, he is a bona fide or innocent holder, and if he has paid for the note, he is a holder for value,and can recover its full face.

An alteration or change in some material part of a promissory note, by a party to it, makes the paper void as regards all parties except those who assent to the change. Adding an interest rate is a change.