Kuwait Court of Cassation principle number 415

Appointing the bank as agent to collect the value of a check is subject to the provisions on agency in the Civil Code, supplemented by banking custom. - An agent authorized to delegate without designation of the substitute's person. His liability is confined to his personal fault, not the substitute's act. The principal and the substitute agent may each have direct recourse against the other. - 84 - Commercial - Authorization for the agent to appoint a substitute may be express, implicit, or presumed from the circumstances of the work. An example of presumed authorization for an agent to collect a check from a foreign country.