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acceptor apply authorised aval banker Baumbach-Hefermehl BEA Sec bearer instrument bill or note bill payable Bills of Exchange Britton Cheques and Payment clause Commentary common law Comparative legislation Sec Conflict of Laws contract court Cowen defences delivery discharged dishonoured by non-acceptance document draft drawee bank drawn payable due course effect a negotiation estoppel Exchange Act 1964 faith fictitious forged Harvard Law Review holder in due incomplete instrument instrument payable juristic person Law Review Malan Negotiable Instruments notice of dishonour Orders Act 1986 paid paragraph payable on demand payable to bearer payable to order payee Payment Orders Act person presentment for acceptance presentment for payment Promissory Notes protest Provisional Sentence reasonable relevant provisions restrictive indorsement Ronse rule SABEA provides SABEA Sec signature signed South African law special indorsement specified submitted transfer transferor UCC Art unauthorised Uniform Commercial Code valid Wet & Yeats words