Specimen of a memo

NATIONAL CITY BANK Singapore

14th September, 20....

Cheque No. 117571 for $1500

MEMORANDUM

The above cheque is returned for reason(s) No(s)........

1. Payee's endorsement required

2. Payee's endorsement irregular

3. Payee's endorsement in language other than English or the local regional language requires Bank's confirmation.

4. Cheque irregularly drawn

5. Collecting Bank's confirmation requires clearing Bank's authentication.

6. Crossed to two Banks.

7. Specially crossed to Bank.

8. Not arranged for

9. Refer to drawer

10. Full cover not received

11. Exceeds arrangements.

12. Effects not cleared; please present again.

13. Drawer's signature required.

14. Drawer's signature differs with the specimen on record.

15. Drawer's signature incomplete.

16. Withdrawals from account stopped by drawer's death/insolvency/lunacy.

17. Payment stopped by ,the drawer

18. Operation on the account suspended under Court's restraint order/Attachment Order of the Income Tax Authorities.

19. Amount in words and figures differs.

20. Alteration in date/figures/words requires the drawer's signature.

21. Cheque/Pay Order/Draft is mutilated/post dated/out of date.

22. Cheque/Pay Order/Draft is mutilated, requires Bank's guarantee.

23. Cross entry (a) incorrect.

(b) Required.

(c) illegible

(Note: Cross entry refers to protective cross amount).

24. No Account25............................................. Account closed. Account transferred to…..Branch.

26. No advice.

27. Amount/Name of Payee differs from that on advice.

28. Wrongly delivered.

29. Drawing contrary to 'Savings Bank Rules'.

30. Not payable at..............

31. Cheque contains extraneous matter.

32. Drawee Bank's funds with the ... ... (name of the sponsor bank) insufficient.

33. Payee's receipt incomplete.

34. Drawer's signature/authority to operate on the account not received at this office.

35. Payee's thumb impression requires attestation by a Magistrate under his Court Seal or by collecting bankers.

For Government Instructions

36. Not Payable till 1st proximo.

37. Refund order is not transferable.

38. Date/Place of payment required to be completed/mentioned under full signature of the Drawing/Refund Officer.

39. Government drafts are not transferable.

40. Clearing stamp of date required.