This section is from the book "Canadian Banking Practice", by John T. P. Knight.
Question 218. - "A" who resides in Montreal buys a sola draft from his bankers on their Toronto branch, payable to "B" or order, and the draft was lost. The bank gives "A" a duplicate, which was duly paid in Toronto. If the original is subsequently presented for payment by an innocent holder would the bank be compelled to pay it?
Answer. - If the original draft reaches the bank properly endorsed it has to be paid. The circumstances call for a satisfactory indemnity before the duplicate is issued.