Under the Restatement Test,as Discussed in the Case in the Text,Bily

Under the Restatement Test,as discussed in the case in the text,Bily v.Arthur Young & Co.,which of the following is true regarding whether XYZ Bank can recover against Selena based upon the loan to Bob?

A) XYZ Bank will not be able to recover because it was not in privity with Selena.
B) XYZ Bank will not be able to recover because Selena did not know that Bob planned to get a loan from XYZ Bank.
C) XYZ Bank will not be able to recover $100,000 from Selena because the transaction went from $10,000 to $100,000, increasing materially the audit risk.
D) XYZ Bank will be able to recover from Selena because there was privity of contract.
E) XYZ Bank will be able to recover from Selena only if they have been a client of hers in the past.