Ratty Publications wrote a cheque payable to LePage on its account at CIBC in payment for the first month’s rent on an office lease. Ratty changed its mind about the lease and instructed CIBC to stop payment on the cheque. The following day, LePage got the cheque certified at another branch of CIBC and deposited the cheque in its account at TD Bank. When TD presented the cheque to CIBC for payment, CIBC refused to honour it. Which prevails-the stop payment or the certification? Does the validity of the cheque depend on the lease agreement between Ratty and LePage? Which of the four parties should bear the loss?