Words like 'Not Negotiable' or 'Account Payee Only' are key to restraining cheque negotiability and ensuring security.

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....Negotiable Instruments - Cheque - To restrain negotiability, addition of words 'Not Negotiable' or “Account Payee Only' 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....