Subject to Article 3 concerning conversion of instruments (Section 55-3-420 N.M. Stat. Ann.) and restrictive indorsements (Section 55-3-206 N.M. Stat. Ann.) only a collecting bank’s transferor can give instructions that affect the bank or constitute notice to it, and a collecting bank is not liable to prior parties for any action taken pursuant to the instructions or in accordance with any agreement with its transferor.