Which of the Following Is the Most Likely Result If

Which of the following is the most likely result if Henry refuses payment on the promissory note that was endorsed to Richard claiming that he never signed it?

A) He will be liable because an official banking document was involved.
B) He will not be liable because a party is never liable on a negotiable instrument when it is signed without knowledge that it is, in fact, a negotiable instrument.
C) He will be liable unless he can establish that Richard was not a holder in due course.
D) He can claim fraud in the factum, and whether he is liable or not will depend upon whether a court determines that he should have known what he was signing.
E) He can claim fraud in the inducement, and he will not be liable regardless of whether or not he knew what he was signing.