Question 61. - A cheque is drawn as follows: uPay John Brown draft or bearer "and is crossed, the crossing being a general one and not a specific crossing. Can the funds of that cheque be employed in purchasing a draft in favour of Henry Smith? If not, in what way can the funds be employed?

Answer. - The only effect of the crossing of a cheque, except when the words "not negotiablen are added, is to make it payable through another bank. It would have no bearing upon the disposition of the funds covered by the cheque in question.