Sasha Drew a Check Payable to the Order of Janice

Multiple Choice

Sasha drew a check payable to the order of Janice on First Bank. Janice indorsed the check and sold it to Karl, who took the check to First Bank and requested that the bank certify the check. The bank did so. Later, Karl presented the check for payment, but First Bank refused to pay. In this scenario, which of the following parties may Karl sue for not receiving payment?

A) First Bank
B) Sasha
C) Janice
D) Sasha and Janice