Central Bank receives a check for payment from its customer, Maira Sanchez (who has no reason to know there are any deficiencies in the check), and her bank gives her provisional credit, while it sends the check to Fidelity Bank on which it was drawn. The signature of the maker does not match the signature on file with the drawee bank but the drawee bank does not dishonor the check and send it back to Maira's bank, so Maira's provisional credit becomes permanent. When the maker reviews his monthly statement he makes a claim against his bank, Maira and Maira's bank for paying on a forged instrument.

a Maira is liable for reimbursement

b Central Bank is liable for paying on a forged instrument

c Fidelity Bank is liable and must return the funds to the maker's account

d none of the above