Sam's signature as a drawer was forged to a check, and the check was presented to the drawee bank by an innocent holder in due course who paid value. The drawee paid it. Sam notified the drawee in a timely manner that the check had been forged. Based on these facts, which of the following statements is true? Select one: a. Since the check was a forgery, the person who received payment must return the money O b. Since the check was forged and the bank did not know it, Sam's account may be debited for the amount of the check. c. The bank will suffer the loss unless the forger can be found d. The imposter rule applies