BILLS OF EXCHANGE . [ 9 OF 1885. ] 749
( 2. ) Where a cheque bears across its face an addition of the
name of a banker, either with or without the words " ' not
negotiable ,” that addition constitutes a crossing, and the cheque
is crossed specially and to that banker .
77. ( 1.) A cheque may be crossed generally or specially by drawer
Crossingorby
the drawer. after issuc.
( 2. ) Where a cheque is uncrossed, the holder may cross it
generally or specially.
( 3. ) Where a cheque is crossed generally the holder may
cross it specially
( 4. ) Where a cheque is crossed generally or specially, the
holder may add the words “ not negotiable.'
( 5. ) Where a cheque is crossed specially, the banker to whom
it is crossed may again cross it specially to another banker for
collection .
( 6. ) Where an uncrossed cheque, or a cheque crossed
generally, is sent to a banker for collection, he may cross it
specially to himself.
78. A crossing authorised by this ordinance is a material niat
Crossing a
erial part
part of the cheque; it shall not be lawful for any person to of cheque.
obliterate or except as authorised by tliis ordinance , to add to
or alter the crossing.
79. ( 1. ) Where a cheque is crossed specially to more than Duties of
one banker except when crossed to an agent for collection being banker as to
a banker, the banker on whom it is drawn shall refuse payment cheques.
thereof.
( 2. ) Where the banker, on whom a cheque is drawn which is
so crossed, nevertheless pays the same, or pays a cheque crossed
generally otherwise than to a banker, or if crossed specially
otherwise than to the banker to whom it is crossed , or his agent
for collection being a banker, he is liable to the true owner of
the cheque for any loss he may sustain owing to the cheque
having been so paid .
Provided that where a cheque is presented for payment which
does not at the time of presentment appear to be crossed, or to
have had a crossing which has been obliterated , or to have been
added to or altered otherwise than as authorised by this ordi
nance, the banker paying the cheque in good faith and without
negligence shall not be responsible or incur any liability, nor
shall the payment be questioned by reason of the cheque having
been crossed, or of the crossing having been obliterated or
having been added to or altered otherwise than as authorised
by this ordinance, and of payment having been made otherwise