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    <title>Words like &#039;Not Negotiable&#039; or &#039;Account Payee Only&#039; are key to restraining cheque negotiability and ensuring security.</title>
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    <description>Negotiable Instruments - Cheque - To restrain negotiability, addition of words &#039;Not Negotiable&#039; or “Account Payee Only&#039; is necessary. A crossed bearer cheque can be negotiated by delivery and crossed order cheque by endorsement and delivery. Crossing affords security and protection to the holder of the cheque - HC</description>
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