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) A certified cheque is usually certified at the request of either the payee or the drawee.
B) The process of certification is expressly based on a detailed set of provisions in the Bills of Exchange Act.
C) Certification allows the payee to receive payment even if the relevant account is overdrawn.
D) 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.
E) The decision to countermand a cheque must be made by the payee or the drawee, but not by the drawer.