Cheque books are issued subject to the following conditions:

a) The Customer agrees to look after and use any cheque book and any cheque form with the utmost care

b) The Customer further agrees to ensure:

(i) That all unused cheque forms are kept in safe custody at all times;

(ii) that the Bank is informed immediately upon discovery by the Customer that any cheque book or any cheque form has been: stolen, lost or mislaid;

(iii)That any person preparing a cheque is authorized to do so;

(vi)That any cheque is prepared and signed in ink or other indelible writing materials;

(v) That the amount of any cheque is written as near as possible to the left side of the form to prevent any unauthorized addition of letters or figures;

(vi)That any cheques and any alteration is signed by an authorized signatory;

Vii) That no unused cheque is given to any stranger or other person when the Customer does not have reasonable grounds for believing him to be trustworthy;

(viii) The use only of cheques issued to the Customer by the Bank;

(ix) That only cheques overprinted with an account number are used for that particular account.

(C) The Customer is advised that:

(i) Where possible any completed cheque should be crossed with two distinct lines in order to make the cheques negotiable only through a bank: and

(ii) If it is known with which Bank the beneficiary of a cheque keeps his account then the name of the Bank should be added to the crossing in order to make the cheque negotiable only through that particular Bank.

(d) On receipt, in a form accepted by the Bank of notice from the Customer to stop payment of a cheque, the Bank will record the notice. The Bank is not responsible if such notice is not acted on otherwise than through negligence. If by reason of negligence a cheque is in fact paid after receipt of such notice, the Bank will repay the Customer upon proof to its satisfaction that the payment has not discharged or partially discharged any liability of the customer to any party to the cheque and receipt of an assignment of the Customer’s rights against all such parties but not otherwise. The Customer will give the Bank all assistance necessary to the enforcement of the assigned rights. If reasonable assistance is not forthcoming or if it proved that the payment has discharged an obligation of the Customer, the Bank may redebit the Customer together with costs _of the action and is entitled to be paid this amount. Any notice given to the Bank to countermand payment of a cheque must clearly indicate the cheque number, amount, payees name and the account number. The Customer must advise the Bank if a lost cheque which has been stopped is found and a replacement issued.

(e)Upon closure of any account the Customer will return to the Bank any remaining uncompleted cheque forms relating to that account and the Bank will return to the Customer the value of any Revenue Stamps reimbursement for them which is obtained by the Bank.