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| [2] | Denis V．Cowen ＆ Leonard Gering，The Law of Negotiable Instruments in South Africa，P．75，4th ed，1966，Johannesburg．
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| [5] | William E．Britton，Bills and Notes，P．52—53，2nd ed，1961．
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| [6] | [14]Brian Conrick，The Law of Negotiable Instruments in Australia，P．27、33，2nd ed，1989，Sydney．
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| [7] | [10]William D．Hawkland，Commercial Paper，P．25—26、45，9th ed，1979，Philadelphia．
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| [8] | Ian F．G．Baxter，The Law of Banking，P．84，1981，Toronto．
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| [10] | T．N．Bright，Banking Law and Practice in New Zealand，P．147，2nd．ed，1969，Wellington．
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| [11] | Frederick Read，Maclaren’s Bills，Notes and Cheques，P．63，6th．ed，1940，Toronto．
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