#### Iron Clad Manufacturing Company, Respondent, *v.*Barnett Sackin, Appellant, Impleaded with Henry Marx and James Harper, Defendants.

Second Department,

December 30, 1908.

Bills and notes — place of presentment for payment—Negotiable Instruments Law, section 133, construed.

Where a promissory note is made payable at a specified branch office of a trust company having branches in various localities in addition to its central office, presentment for payment at maturity must be made at the particular branch named. Presentment at the principal office is not sufficient to charge an indorser.

Presentment at the “ place of payment ” required by section 133 of the Negotiable Instruments Law means presentment at the place named, not merely presentment to the individual, corporation, or institution.

Appeal by the defendant, Bonet Saokin, sued herein as Barnett Saokin, from a judgment of the Supreme Court in favor of the plaintiff, entered in the office of the clerk of the county of Kings on the 26th day of March, 1908, upon the verdict of a jury rendered by direction of the court after a trial at the Kings County Trial Term.

*Jacob W.*Kahn, for the appellant.

*Joseph M. Proskauer [Abram I. Elkus*with him on the brief], for the respondent.

Hooker, J.:

The question here, whose decision determines the controversy, is whether the presentment of the nóte in suit was adequate and proper. The note became due on October twenty-tim’d, and was by its terms made payable at the Jenkins Trust Company, Bath Beach branch, Brooklyn. The Jenkins Trust Company maintained principal offices in the business section of the borough of Brooklyn, and branches outside, one at Coney Island, and one at Bath Beach. Presentment was not made at the Bath Beach branch until October twenty-fourth, after banking hours. The plaintiff claims that presentment at the principal office of the trust com*556pany on the date due was sufficient. The indorser maintains the contrary.

Section 133 of the Negotiable Instruments Law (Laws of 1891, chap. 612, as amd. by Laws of 1898, chap. 336) próvidos: “ Presentment for payment is made at the proper place: 1. Where a place of payment is specified in the instrument and it is there presented.” It must be observed in reference to this statute that it mentions “a place of payment,” and a place does not mean an individual, a corporation or institution. The Bath Beach branch of the Jenkins Trust Company, as those words were used in the instrument, referred to the place of payment, and not the corporation, and the place was the spot where the Bath Beach branch of the trust company was accustomed to transact its business.

We do not understand that the common law, as interpreted in this State, has been modified in this particular by the enactment of the Negotiable Instruments Law. In *Brooks*v. *Higby*(11 Hun, 235), decided before the passage of that law, it appeared that in an action upon a draft upon one Mills, “care Morgan, Stoddard & Co., No. 114 South Main street, St. Louis, Mo.,” the indorsers urged that it had not been presented for payment and protested ; the plaintiff established on the trial a certificate of" a notary which stated that he had presented the draft “ at the place of business of N. F. Mills, St. Louis, to the person in charge thereof; ” Mills had two places of business in St. Louis, one of which was at 114 South Main street; it was decided that the certificate failed to show that the draft was presented at the place where it was made payable. The place where the Bath Beach branch of the trust company did business was not the place where the principal offices of the trust company, at which the note was presented on the due date, were maintained. It, therefore, was not presented at the place designated for its payment, and there was no sufficient presentment to charge indorsers.

The judgment must, therefore, be reversed, with costs.

Woodward, Jenks, Gaynor and Rich, JJ., concurred.

Judgment reversed and new trial granted, costs to abide the event.