Peter Ellinger is a Professor Emeritus of the National University of Singapore. Previously, he held chairs of law at the Victoria University of Wellington (NZ) and at Monash University, Melbourne, Australia. Professor Ellinger has specialised in commercial law with particular emphasis on banking law and has published a number of books on the subject as well as chapters in Benjamin's Sale of Goods, Chitty on Contracts and the recently published chapter on Negotiable Instruments in Vo. IX of the Encyclopedia of Comparative Law. Eva Lomnicka is Professor of Law at King's College London and a practising barrister at Four New Square Chambers. She is co-editor of Sweet and Maxwell's Encyclopedia of Consumer Credit and Encyclopaedia of Financial Services Law and advises on regulatory issues arising under credit and hire agreements. She was on the DTI's Consumer Credit Steering Group which led to the Consumer Credit Act 2006 and was an expert on the UK's delegation to UNCITRAL's Convention on Receivables Financing (Vienna and New York: 1997-2001). Christopher Hare is a senior lecturer in law at the University of Auckland, teaching and researching in the areas of contract, commercial, and banking law, and international sales and finance. Prior to his departure for New Zealand he practised as a barrister at 3 Verulam Buildings, Gray's Inn and was a fellow of Jesus College, Cambridge. He is currently editor of the New Zealand Law Review and is the New Zealand correspondent for the Banking and Financial Law Review.