James Draws a Check on His Account at Harper Bank

Multiple Choice

James draws a check on his account at Harper Bank payable to the order of Terry. James does not ask Harper Bank to accept or certify the check. If Harper Bank does not pay the check when Terry presents it for payment, then:

A) Harper Bank is liable to James because it was not asked to accept or certify the check.
B) James is liable to Terry on the basis of his drawer's obligation.
C) James transfers his duties as a drawer to the drawee bank, and the bank is liable.
D) Terry is liable to James because the bank does not pay the check when Terry presents it for payment.