Beth Fuller writes a check to her niece Heidi for babysitting Beth's two dogs over the holiday weekend. Then Heidi endorses the check by signing on the back. She then gives the endorsed check to her brother Todd as payment for the gas she plans on using in his vehicle. Assume the back is signed by Heidi and not forged.

Which of the following is TRUE. (Note: multiple answers required)

Select 3 correct answer(s)

Question 5 options:

	An instrument must be presented in a proper and timely manner. Because the instrument in this scenario is a check, the check must be presented or the check will be dishonored.
	Beth is the endorser. She is secondarily liable.
	Beth and Heidi are potentially liable to the bank for the instrument under the concept of signature liability.
	The bank is the acceptor of the check.
	The check was not presented properly, therefore Todd is liable.
	When a person signs a negotiable instrument, he or she is potentially liable for the instrument, this type of liability is called signatory liability.