Lane Co Instructs Its Bank, Second Street Bank, to Pay $200,000

Lane Co. instructs its bank, Second Street Bank, to pay $200,000 to Moffett, Inc., also a customer of Second Street Bank. The bank executes the payment order by crediting Moffett's account with the $200,000 and notifying Moffett that the credit was made and is available. In this case:

A) Lane Co. is the originator; Second Street Bank is both the sender and the intermediary.
B) Lane Co. is both the originator and the sender, and Moffett, Inc. is the beneficiary.
C) the transaction is governed by the EFTA.
D) Lane Co.'s payment order had to be communicated either electronically or in writing.