Which of the following statements about a forged drawer's signature on a check is true?

A) A payor bank that pays on a forged signature of the drawer can charge the drawer's account

B) A payor bank paying on the forged signature of an endorser does not need to return the instrument to the party whose name was forged

C) In the event of the forged signature of the drawer, the bank can collect from the party receiving the payment unless the party is the forger or the party dealt with the forger negligently

D) A payor bank that pays on a forged endorsement can collect from the person to whom payment was made