majority">COX, J. —

Action upon an accepted draft for $3000 drawn by 'J. H. McQuary upon defendant and made payable to The First National Bank, Monett, Missouri, and transferred by the bank to plaintiff. Trial by court, judgment for plaintiff and defendant has appealed.

The defense is that defendant is merely an accommodation endorser and that he endorsed the draft for the accommodation of the bank, the assignor of plaintiff, and that there was no consideration for the same and with the expressed agreement at the time by contemporaneous writing that defendant should not be called upon to pay the debt and that plaintiff knew all the facts when he took the draft.

Plaintiff was president of the bank and all the business relating to this draft was transacted through him, hence he took the draft from the bank with full knowledge of all the facts and does not claim to be an innocent purchaser for value.

*87It. appears from the record in this case that the draft in suit was a renewal of former, and similar drafts and when this draft was presented to defendant for acceptance it was sent to* him through-the mail by the Bank of Monett, the payee therein. Defendant endorsed thereon an acceptance in the usual form but in returning it to the bank accompanied it with the following letter;

“Chicago, 111., July 17, 1908.

First National Bank,

Monett, Mo.

Gentlemen:—

I was absent when yours of June 29th reached my office but now enclose draft for $3000 to be signed by J. H. McQuary, which is duly accepted on the same terms as was indicated in mine of January 3rd, 1908.

Yours Truly,

L. B. Sidway.”

The letter of January 3, 1908 referred to in the foregoing letter is as follows:

“First National Bank,

Monett, Mo.

Gentlemen:—

I have just .received a notice from the Continental National Bank of Chicago, that a draft drawn upon ine by J. H. McQuary for $3000 becomes due January 6, 1908, and presume it is the last one‘given you under the arrangement of your bank with Mr. McQuary to facilitate your dealings with hiin. The understanding was, when the acceptance of the first was made, that I was never to be called upon for the sum, but the money was loaned to Mr. McQuary upon his personal credit, and the several drafts that have heretofore been exchanged have been at your request, knowing tthat I had not, and was not receiving any consideration, but were to be in effect the personal notes *88of Mm. TMs was and has always been my understanding, and was to accommodate yourselves in your transactions with Mr. McQuary.

Yours truly,

L. B. Sidway.”

The draft mentioned in the letter of January 3, ■ was recalled by the bank and another draft sent to defendant for his acceptance which was endorsed as accepted in the usual form and returned on January 8, 1908, accompanied by the following letter:

“Chicago, January.8th, 1908'.

Mr. Carl W. Lehnhard, Pres.,

First National Bank, Monett, Mo.

Dear Sir: — -

Your favor of the 6th inst. is at hand, enclosing the draft upon me for $3000 to be signed by Mr. J. H. McQuary after its return to you. I return draft herewith duly signed by me, in the manner requested, and am pleased to be of assistance to you in the matter, until Mr. McQuary is able to pay the draft. Of course, it is understood that this draft is to be treated the same as the preceding ones, and that I am not to be called upon by you to pay it. I observed recently the very strong position of your bank and sincerely hope that it and your other enterprises may all have a. successful new year.

Yous truly,

L. B. Sidway.”

A renewal draft was endorsed accepted, in a similar way and returned with a similar letter on April 16, 1908. The one in suit was, as above stated, endorsed as accepted and returned accompanied by a similar letter on July 17, 1908. A draft in renewal of this was sent to defendant and endorsed as accepted in the usual way by him and returned to the bank with a similar letter dated November 2, 1908. This last draft the bank refused to accept by reason of the letter *89accompanying it, and the transfer of the draft in controversy was made to plaintiff and this suit followed.

The evidence does not disclose the form of acceptance of the first draft of which the others were renewals hut it does show that at each renewal the former draft was canceled' and returned to defendant so that the later drafts, including the one in suit stand each upon its own facts.

The first question that confronts us is: Should the letter accompanying the draft when it was returned by defendant to the bank and the letter of January 3, 1908 referred to therein, be considered in determining' what obligation defendant assumed in relation to it? Plaintiff admitted that the letter of July 17, accompanied the draft in suit when it was received by the bank and that he had, as president of the bank, transferred the draft to himself and no claim of being an innocent holder for value is made by him, therefore, if the letters are to be considered as a part of defendant’s contract then the rights of the parties are to be determined by the construction of the contract and that duty rested with the court and there was no issue to be determined by the trier of the facts.

It has long been the law that an acceptance of a draft may be upon a separate paper and the acceptor may impose any conditions which he may choose. [8 Cyc. 765; Ford v. Anglenrodt, 37 Mo. 50.] This is also recognized by our negotiable instrument law, Stat. 1909, sec. 10102-3-4. Since the acceptance itself may be by letter' alone, it logically follows that a letter accompanying the draft may be used to qualify or limit an acceptance endorsed on the draft, in the absence of any question as to an innocent holder, and that question does not arise in this case. ¥e are clearly of the opinion that the letters referred to are to be regarded as a part of defendant’s contract the same as if the provisions and limitations stated *90therein had been endorsed on the draft itself, When we consider the letter in connection with the endorsement on the draft what does it all mean? Was there in fact an acceptance at all? Acceptance is defined under our statute as follows: “The acceptance of a bill is the signification by the drawee of his assent to the order of the drawer. The acceptance must be in writing and signed by the drawee. It must not express that the drawer will perform his promise by any other means, than the payment of money.” [Stat. 1909, sec. 10102.]

The polar star to guide the court in the construction of all contracts is the intent of the party or parties executing them and while this intent must be gleaned from the contract itself, if unambiguous, yet in searching for the true interpretation the contract must be considered as a whole. [Meyer v. Christopher, 176 Mo. 580, 594, 75 S. W. 750; Donovan v. Boeck, 217 Mo. 70, 87, 116 S. W. 543.]

Applying this'test to the acceptance in this case and taking, the formal acceptance and the letters together there can be no question that the intention of defendant was only to accept the draft for the accommodation of the bank and this without any intention to be bound to pay anything thereon, for the letters expressly so state. The bank having received the draft with the conditions named in the letters is bound thereby and since it was the party to be accommodated by the acceptance of defendant and being also the payee in the draft there was, in fact, no acceptance at all and hence no liability upon the part of defendant to the bank, and as plaintiff took with full knowledge of all the facts no liability to him.

The result is that the judgment must be reversed and it is so ordered.

Nixon, P. J., concurs. Gray, J. not sitting.

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