Ray Signs a Check "Pay to the Order of Stella

Multiple Choice

Ray signs a check "pay to the order of Stella" drawn on Ray's account in Town Bank. He later orders the bank not to pay the check, but the bank pays it over his order. Subsequent checks written on the account "bounce." Most likely liable for the costs to Ray is

A) any party to whom a subsequent check was written.
B) Ray.
C) Stella.
D) Town Bank.