Martin Borrows $15,000 from Tom, in the Form of a Check

Martin borrows $15,000 from Tom, in the form of a check, and signs a promissory note, promising to pay Tom this amount plus 10 percent interest in one year. Tom indorses the note and negotiates it to Fronston. Fronston indorses the note and negotiates it to Liza. Liza presents the note to Martin for payment when the note is due. Martin refuses to pay the note. Who is secondarily liable to pay Liza?

A) Tom
B) Frontston
C) Martin
D) the bank that issued the check to Tom