One scenario that illustrates an exception to the mandatory availability schedules that are designed to safeguard depositary banks against higher risk situations would be that $\_\_\_\_\_\_\_\_\_\_.$

Multiple choice question.

Kate draws a nonlocal check. Funds are made available for her to draw against by the tenth business day for no specific reason.

Zion makes a cash deposit in person. His funds are made available to draw against by the second business day due to a communications interruption.

Maureen makes a cash deposit in person. Her funds are made available to draw against by the fifth business day due to a clerical error.

Joseph draws a cashier's check for $$1,000.$ Funds are made available for him to draw against by the fifth business day for no specific reason.