QUESTION 13 Olivia is Physicians Clinic agent and is not authorized to sign checks or notes on its behalf. Despite the lack of authority, Olivia issues a note \"payable to the order of Loan Company [signed] Physicians Clinic, by Olivia." Liability on this note extends to O 3. Olivia. O b. Physicians Clinic. 0 C. Loan Company. 0 d.no one. QUESTION 14 Fanny signs a note \"payable to the order of Guaranty Bank.\" Guaranty indorses the note in blank and negotiates it to Haji, who sells it to Iona. Liability associated with the transfer of the note ii'om Haji to Iona is O a.no liability. O b. contractual liability. O c. signature liability. 0 d.wananty liability. QUESTION 15 Darby writes a check to Education Loan Management, Inc., that is dawn on Darby 's account at Federal Bank. If the bank does not accept the check, liability for its amount is on O a. Federal Bank. 0 b. Darby. O C. no one. 0 d. Education Loan Management