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Crossed order ''Account Payee Only'' cheque Nos. 500500 and 500501 are issued by a government authority in favour of Mr. joe Wala but he dies before encashing them. His surviving wife, Yeama found the cheques and presents them for deposit into the deceased''s banking account. What is the legal position of the : (a) drawer, (b) collecting bank, (c) paying bank and (d)the deceased''s wife

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