The last indorsement on a draft determines whether the draft is an order or bearer instrument. True False Presentment for payment of a note may be made to the maker of the note. True False A note payable "upon the death of Joe Jones" is negotiable. True False Presentment for payment of a note may only be made in person. True False When a check is certified by a holder, all prior indorsers are discharged on the check. True False