The last condition is according to proviso to section 79 and section 80 which is crossed cheques. Proviso to section 79 (2) protects the paying banker if the cheque is paid in good faith and without negligence on which the crossing is not apparent or the crossing has been obliterated, added or altered and this is not apparent. Section 80 of BoEA protects a paying banker if he pays a cheque in good faith, without negligence and according to the crossing, to a person who is not the true owner. The banker is not liable, as if he had paid the cheque to the true owner. For example, Ali draws a cheque Tiger Bank in