Question 123. - A cheque drawn by the Order of Foresters payable to "Mary Jones, widow of our late member, John Jones of Court M---------," is endorsed simply "Mary Jones."

The bank on which it is drawn returns it, requesting a guarantee of endorsement. Are they entitled to this?

Answer. - We think not. The cheque is properly endorsed as it stands, and the paying bank is not entitled to further protection than that which the Act gives - the obligation of the bank which has received the money to return it should it prove that the Mary Jones who endorsed it is not the Mary Jones described in the cheque.

Question 125. - A cheque made payable to "John Smith, guardian for Mary and Patrick Brown," is endorsed "John Smith, guardian." Is this sufficient?

Answer. - We think the full description is unnecessary, and that if he endorsed simply "John Smith," without any addition to his name, it would be a valid discharge.