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    <title>Payment of Cheques/Drafts/Pay Orders/Banker’s Cheques.</title>
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    <description>Banks are directed to refuse payment of cheques, drafts, pay orders and banker&#039;s cheques dated on or after the effective date if presented beyond three months from the date of the instrument; banks must ensure strict compliance and notify holders by printing or stamping presentment instructions on instruments issued on or after that date.</description>
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