Money ordered to be paid

Not liable if signing and ignorant of becoming a drawer

If payee does not exist or it is never intended to be for someone then it is a bearer bill

HiDC – if suspect something is wrong and don’t make enquiries , you’re not in good faith

BoE negotiated simply by delivery with no intimation

HiDC must be someone whom a bill has been negotiated to

Original payee negotiates it and becomes an indorsee then could become a HiDC