A "banking day" is that part of any day on which a bank is open to the public for carrying on substantially all banking functions. O all days in a calendar year on which banks observe holidays. O that part of any day when banks offer reduced interest rates on small business loans O a designated day in the work week on which banks will provide certain services to the public. QUESTION 2 A "bearer" is any person who is in possession of an instrument. O True False QUESTION 3 A bank does not have the right to charge an account with a forged or altered check. O True O False QUESTION 4 5 p A bank has until the midnight deadline to revoke a provisional settlement, O True O False