Eutsler forged his brother Richard’s indorsement on certified checks and cashed them at First National Bank. When Richard sought to recover the funds from the bank, the bank stated that it would press criminal charges against Eutsler. Richard asked the bank to delay prosecution to give him time to collect directly from his brother. His brother promised to repay him the money but vanished some six months later without having paid any money. Richard sued the bank. What result? [Eutsler v First Nat’l Bank, Pawhuska, 639 P2d 1245 (Okla)]