Okla. Stat. tit. 12A, § 12A-3-414

OBLIGATION OF DRAWER

(a) This section does not apply to cashier's checks or other

drafts drawn on the drawer.

(b) If an unaccepted draft is dishonored, the drawer is obliged

to pay the draft (i) according to its terms at the time it was

issued or, if not issued, at the time it first came into possession

of a holder, or (ii) if the drawer signed an incomplete instrument,

according to its terms when completed, to the extent stated in

Sections 3-115 and 3-407 of this title. The obligation is owed to a

person entitled to enforce the draft or to an indorser who paid the

draft under Section 3-415 of this title.

(c) If a draft is accepted by a bank, the drawer is discharged,

regardless of when or by whom acceptance was obtained.

(d) If a draft is accepted and the acceptor is not a bank, the

obligation of the drawer to pay the draft if the draft is dishonored

by the acceptor is the same as the obligation of an indorser under

subsections (a) and (c) of Section 3-415 of this title.

(e) If a draft states that it is drawn "without recourse" or

otherwise disclaims liability of the drawer to pay the draft, the

drawer is not liable under subsection (b) of this section to pay the

draft if the draft is not a check. A disclaimer of the liability

stated in subsection (b) of this section is not effective if the

draft is a check.

(f) If (i) a check is not presented for payment or given to a

depositary bank for collection within thirty (30) days after its

date, (ii) the drawee suspends payments after expiration of the

thirty-day period without paying the check, and (iii) because of the

suspension of payments, the drawer is deprived of funds maintained

with the drawee to cover payment of the check, the drawer to the

extent deprived of funds may discharge its obligation to pay the

check by assigning to the person entitled to enforce the check the

rights of the drawer against the drawee with respect to the funds.