On June 17, 2006, Mr. Cham wrote an order cheque of M. Sumarch for D500 drawn on Standard Chartered Bank, Bakau

 (a) State the drawer, the payee and the drawee from the above information.

(b) The cheque is crossed "Account Payee only" and "Not Negotiable", Explain four effects of the crossing.

(c) State three advantages of payment by cheque.