यदि किसी भुगतानकर्ता बैंक (Paying Banker) को ऐसा चेक प्राप्त होता है जिस पर तारीख नहीं लिखी है, तो परक्राम्य लिखत अधिनियम (Negotiable Instruments Act), 1881 और मानक बैंकिंग प्रथा के तहत निम्नलिखित में से सबसे उपयुक्त कार्रवाई क्या है?

Consider the following statements regarding banker protection and statutory duties under the Negotiable Instruments Act, 1881: Statement I: Section 31 mandates that a banker must pay the cheques of the customer if funds are sufficient and properly applicable. Statement II: A banker is protected under Section 85 if they pay a cheque where the drawer's signature is forged, provided the forgery is not detectable by naked eye. Statement III: Under Section 128, a banker paying a crossed cheque in accordance with its tenor is entitled to the same position as if payment were made to the true owner. Statement IV: The 'Once a Bearer Always a Bearer' rule applies to order cheques that have been endorsed in blank. Statement V: A banker who dishonors a cheque without valid reason is liable to pay compensation to the drawer for any loss or damage caused. Which of the combinations represents the accurate set of statements?

Consider the following statements regarding the legal consequences of paying cheques contrary to crossing instructions under the Negotiable Instruments Act, 1881: Statement I: If a banker pays a cheque crossed 'Account Payee' to a person other than the specified payee across the counter, the banker is liable for negligence under Section 131. Statement II: When a cheque is crossed specially to two different banks (and neither is acting as an agent for the other for collection), the paying banker must refuse payment to protect the drawer's interest. Statement III: If a cheque is crossed generally, and the banker pays it to another banker who is known to be in financial distress, the paying banker is liable for the loss if that banker fails to credit the customer. Which of the combinations represents the accurate set of facts?