Andre writes a check for $2,600, payable to Anthony, and drawn on First National Bank. Anthony indorses the check on the back and gives the check to Simon to repay a loan. Simon indorses the check on the back and takes the check to First National Bank to cash the check and receive the money. If First National Bank dishonors the check, Simon can collect the $2,600 from Anthony:

if Simon gives timely notice of dishonor to Anthony.

if First National Bank does not pay the check within six months.

if Andre refuses to pay and Simon gives timely notice of dishonor to Anthony.

under no circumstances; Anthony is merely an indorser, not a maker.