If the Drawer Is Negligent and Contributes to the Forgery

If the drawer is negligent and contributes to the forgery or alteration of a check:

A) the bank can charge the drawer for the amount as the drawer's negligence contributed to the forgery.
B) the bank is liable to the drawer for the amount.
C) the check is not payable from the customer's account because the bank is not following the instructions of the depositor.
D) the bank must pay the instrument out of its own funds.