... instrument, such as Rosol, is governed by the provisions of N.J.S.A. 12A:4-201(a). That statute provides, in applicable part, as follows: a ... that is "generally" applicable satisfies the "clearly appears" requirement of N.J.S.A. 12A:4-201(a). Rosol further argues that, when he went to his ... would be equitably estopped from relying on the provisions of N.J.S.A. 12A:4-201(a). See Miller v. Miller , 97 N.J. 154 , 163 ... that argument sufficient in itself to preclude his liability under N.J.S.A. 12A:4-201(a), the state of his knowledge about the first check ... being dishonored. The UCC provision that governs this case is N.J.S.A. 12A:4-201(a). Because we have concluded that summary judgment should not ...