a) The Bank will pay cash to the Customer where the cheque is signed in the presence of the teller by an authorized signatory or by authorized signatories.

b) Where a cash cheque is presented not by the Customer but a third party, the Bank will require confirmation by telephone from the Customer or from a representative of the Customer known to the Bank before it makes payment.

c) Where cash cheques are presented by employees or other known agents of the Customer the following steps will be taken:

• The employee or agent will be identified beforehand in a manner acceptable to the Bank:
• A limit on such drawings will be agreed in writing with the Bank, and until such limit is agreed, no withdrawings will be allowed under this paragraph.

d) Where the Customer requests that payments be made under’ paragraph: the Customer indemnifies the Bank in respect of all payments made to such employees or known agents, whether or not the money was received and whether or not the order for payment presented was in fact the order of the Customer.

e) Where either the employee or agent is not known to the Bank or if the cheque exceeds the agreed limit the provisions of paragraph (b) apply. The Bank shall not be liable in any way to the Customer for having honoured even negligently any cheque the signature or content of which has been forged if:

• The Customer has facilitated such forgery either by failure to comply with any of the conditions contained in paragraph (a) or paragraph (b) of clause 23 hereof or by its negligence in any other way, or
• There has been a previous forgery of any cheque of the Customer without the Customer having objected to the first statement of accounts which debited such cheque as provide by clause 15 (ii) hereof; or

• The forgery has been perpetrated by an employee, servant, agent, contractor or sub-contractor of the Customer.