Maryland Code, Financial Institutions § 3-604

(1) Is payable not more than 6 months after the date of acceptance; and

(2) When accepted, is accompanied by a document of title.

(1) The draft is payable not more than 3 months after the date of acceptance;

(2) The amount of the exchange does not exceed 50 percent of the unimpaired capital and surplus of the commercial bank; and

(3) For any exchange that exceeds 10 percent of the unimpaired capital and surplus of the commercial bank, the draft is accompanied by a document of title or other adequate security.