Except as provided in Title 11, sections 2?725 and 3?1118, subsection (1), personal actions on contracts or liabilities under seal, promissory notes signed in the presence of an attesting witness, or on the bills, notes or other evidences of debt issued by a bank must be commenced within 20 years after the cause of action accrues. [PL 2017, c. 251, §1 (AMD).]