Commonwealth Consolidated Acts Commonwealth Consolidated ActsThe drawer of a bill, and any indorser, may insert therein the name of a person to whom the holder may resort in case of need, that is to say, in case the bill is dishonoured by non - acceptance or non - payment. Such person is called the referee in case of need. It is in the option of the holder to resort to the referee in case of need or not as he or she may think fit.