HUTCHESON, Circuit Judge.
Appellee wrote the City National Bank in Miami: "We enclose for collection our No. 3172 for $350.71. Proceeds may be remitted by cashier's check, certificate of deposit, or New York, Philadelphia or Chicago exchange." The bank on December 15 collected the note by taking a check on itself from the maker, one of its customers. On December 18, as directed in appellee's forwarding letter, it remitted by New York exchange on the Chemical Bank...
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