Banks Are Liable for Losses on Counterfeit Checks in All

Banks are liable for losses on counterfeit checks in all the following scenarios except:

A) whether or not the bank acted reasonably in its processing systems in clearing the checks.
B) whether or not the bank complied with time requirements for customers regarding the checks.
C) whether or not the bank made an unreasonable mistake in paying the check.
D) whether or not presentment was valid.