Jenny Has a Checking Account at Intrastate Bank

Question 114

Jenny has a checking account at Intrastate Bank.Jenny loses her checkbook.Richard finds it and forges a check payable to himself,indorses it,and properly negotiates it to Yummy Treats Restaurant.Yummy Treats cashes the check at Intrastate.Jenny learns of the forgery and complains to Intrastate.What are the liabilities of each of the parties involved?