12. - In MacMillan and Another v. London Joint Stock Bank the House of Lords made a definite pronouncement as to the duty to be exercised by the customer in preparing cheques, and the decision may be summarized as follows:1. It is the duty of a customer in drawing a cheque to take reasonable and ordinary precautions against forgery.

2. If, owing to the neglect of such precautions, it is put into the power of any dishonest person to increase the amount by forgery, the customer must bear the loss as between himself and the banker.

3. It is no excuse for neglecting such duty for the customer to say that he had absolute confidence in a clerk.