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!"## $%&"'#'(''' )()"''&")( &'&'&&#' ) &$ *+,* *+,, +-,, +./01 *+,* *+,, +-,, +./01 "' 2)3"4' !"#$%$&$%'( +"5&& +&& )# %!% )* " )*"! DRAWER DRAWER DRAWEE DRAWEE PAYEE PAYEE ' & &'&'( '' + 6,75'8####'&''' (''### 695%5 :'%''''& ;')" 248,(+3 <;' ,-!! /),"# -!%)!0 1!%$%$& 3. WHY USING CHECK ??? • % • %5 • %##'5 & • %&#)')' WHY USING CHECK ??? • cost merchants or sellers less &'''')' • " 5#' • 5')'&) • &# () ,*" #$%'(" ,*" #$%'(" *$%$&($ "") $%$& *$%$&($ "") $%$& "") $%$& "") $%$& 2 $%$&$%'( ) $%$&$%'( ) #34) ) #34) )!)$%$&$%'( "!!) $%$&$%'( !4 $%$&$%'( 5,*"#$%'( [...]... written on cheque Can be cashed immediately Post-Dated check/ cheque Stale check/ cheque is dated later than date of check Cannot be cashed until that date Stale = Old Is over than specified period of time (6 months) Some country will not honor this cheque Anti-dated check/ cheque Stale Post-Dated check/ cheque check 6 MONTHS VALUE TODAY Date of check 28/2/2014 FURUREDATE 5 How to fill a cheque? Check number... cents CROSS OUT “DOLLARS” 5 How to fill a cheque? Signature • MUST sign your name in ink (it must be right with signature as opening bank account • Never sign a blank check 5 How to fill a cheque? Memo Write the reason why you want to draw this cheque PROMISSORY NOTE 1 2 3 4 Definition Parts of a promissory note Types of promissory note How to fill a promissory note? 1 Definition • • • Is a financial... "Not Negotiable" ⇒ Payment can be deposited at payee’s account ⇒ Can not be paid at bank’s counter • Special crossing drawing two parallel lines on the face of the cheque with name of bank and with or without additional words "Not Negotiable" ⇒ Payment can be made to named bank Anti-dated check/ cheque Period of validation Post-Dated check/ cheque Stale check/ cheque Anti-dated check/ cheque Is dated earlier...Bearer check/ cheque Drawer asks bank to pay sum of money to bearer No need to deposit into bank account People, who get this cheque, can receive money written Open check/ uncrossed check • • Is payable to the person named in the on cheque cheque or his order • Bank will pay if payee can prove identity A cheque is not crossed=> known as an "Open Cheque" or an "Uncrossed Cheque" • Is taken... number 5 How to fill a cheque? Check number Date • The date of issue cheque Cheque can be numbered or do it yourself • To balance your account or spotting a lost or stolen check 5 How to fill a cheque? Payee On the line labeled “Pay to the order of,” • write the name of the person or company to receive the payment • signing on the back of cheque if you use your name • DO NOT WRITE a check to cash if you... "Uncrossed Cheque" • Is taken to the bank (issued cheque) to change into cash directly Order check/ cheque Crossed check/ cheque • • • • Is an account payee cheque Is paid by depositing into the receiver’s bank Can not change into cash directly 2 Types of crossing: general crossing and special crossing • General crossing drawing two parallel lines on the face of the cheque with or without additional words like... and deeds of trust) Types of promissory note • • Non -payment can happen Maker borrows money without any assurance of return of the loan amount Unsecured notes and interest 4 How to fill a promissory note? FORM Borrower, promisor, obligor - person who receives the money and must pay back the loan FORM Lender, promisee, obligee - person who lends the money, receives the payments for the loan FORM Loan... Person to whom payment is promised => PAYEE or HOLDER Borrow money from holder PAYEEHOLDER MAKER • • Promise Make a schedule to repay at a fixed or determinable future time 2 Parts of promissory note MAKER PAYEE The person who pay money The person who is promised to pay AMOUNT A certain sum of money UNCONDITIONAL Promise between parties PROMISE • are backed Secured 3 Types of promissory note notes • providing... cheque if you use your name • DO NOT WRITE a check to cash if you don’t intend to immediately cash it yourself 5 How to fill a cheque? Amount in figures Write the amount in figures (close to $) Write the cents part EX: $ 20.56, can write 20.56 20 56 20 56/100 5 How to fill a cheque? • Amount in words Write out the dollar amount in words and the cents in figures, with a line and 100 under the cents • . $%$&$%'( ")&&) 1'') People, who get this cheque, can receive money wrien on cheque. • ?)#!%* "-) ' • @"##5' *$%$&($. ! • %)&)'' # • )#E ## • ' >0!44$%'(? , /##)#'F'(G • "&& 5& • signing on the back of cheque if you use your name • DO NOT WRITE a check to cash if you don’t intend to immediately cash it yourself. . DRAWER DRAWER DRAWEE DRAWEE PAYEE PAYEE ' & &'&'( '' + 6,75'8####'&''' (''### 695%5 :'%''''& ;')" 248,(+3 <;' ,-!! /),"# -!%)!0 1!%$%$& 3. WHY USING CHECK ??? • % • %5 • %##'5 & • %&#)')' WHY
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