Which of the Following Statements Is TRUE with Respect to Certification

Which of the following statements is TRUE with respect to certification of cheques?

A) The process of certification is expressly based on a detailed set of provisions in the Bills of Exchange Act.
B) The decision to countermand a cheque must be made by the payee or the drawee, but not by the drawer.
C) A certified cheque is usually certified at the request of either the payee or the drawee.
D) Certification allows the payee to receive payment even if the relevant account is overdrawn.
E) After certifying a cheque, a bank normally transfers funds into a countermand account and then uses those funds to honour the cheque when it is presented for payment.