printed overleaf, the printing on overleaf is conspicuously absent in Annexure B. So also, there is no case for the respondent that the cheque issued was dishonored. 23. The factum of receipt of cheque amount cannot be disputed by the respondent. In fact, the statement in the counter affidavit of the respondent in this appeal that the appellant’s entitlement is only to get refund of the amount tendered as initial deposit at the time of submitting proposal would reveal the said position. Another circumstance is also relevant in the context of consideration based on the decision in D. Srinivas’s case (supra) viz., the stand of the respondent that mere C.A. No.270 of 2012 Page 27 of 35preparation of the policy document is not acceptance so as to create a concluded contract. The cheque amount was received prior to the death of ‘the deceased’ is not in dispute. Paragraph 5 of the order of the District Forum would reveal that the Dhokla Branch of the State Bank of Saurashtra issued