Kuwait Court of Cassation principle number 786

Appointing a bank as agent to collect the value of a cheque is governed by the agency provisions of the Civil Code, supplemented by banking custom. - An agent authorized to appoint a substitute without a specified substitute being designated. His liability is limited to his personal fault, excluding the substitute's acts. The principal and the sub-agent may each have direct recourse against the other. - Authorization for an agent to appoint a substitute may be express, implied, or presumed from the circumstances of the work. Example of presumed authorization for an agent collecting a cheque in a foreign country.