G.R. No. L-53194, March 14, 1988;
Francisco S. Gozon II, went to PNB – Caloocan Branch in his car accompanied by his friend Ernesto Santos. He left Santos and transacted his business in the Bank.
Santos saw that Gozon left his check book he took a check therefrom, filled it up for the amount of P5,000.00, forged the signature of Gozon, and thereafter he encashed the check in the bank on the same day.