C) warranty
D) liability
Francis Jeffers purchased a cashier’s check in the amount of $5,000 from Northern Star
Bank. The check was made payable to Kyle Naughton and was delivered to him.
Twelve months later, the Northern Star Bank branch manager informed Jeffers that the
cashier’s check was still outstanding. Jeffers subsequently signed a form, requesting that
payment be stopped and a replacement check be issued. Northern Star Bank issued a
replacement check to Jeffers. Eight months later, Naughton deposited the original
cashier’s check in his bank, which was paid by Northern Star Bank. Northern Star Bank
requested that Jeffers repay the bank $5,000. When he refused, Northern Star Bank sued
Jeffers to recover this amount and the court awarded Northern Star Bank damages
amounting to $5,500. Which of the following, had it happened, would have resulted in
the court ruling in Jeffers’ favor?
A) Jeffers cashed the replacement check before Naughton had presented the original
check at his bank.
B) Jeffers paid Naughton the $5,000 in cash after obtaining the replacement check from
Northern Star Bank.
C) Jeffers indemnified Northern Star Bank for potential damages arising from the issue
of the replacement check.
D) Jeffers renewed the stop-payment order on the original check at the end of six
months.