C and D per page 613.

The correct answer is D. A sender of an electronic item that is not substitute check is not liable for any amount paid by a Reserve Bank that is attributable to the Reserve Bank's own lack of good faith or failure to exercise ordinary care. This statement outlines the principle that liability for losses or errors in the processing of electronic items does not fall on the sender if the loss or error results from the Reserve Bank's failure to act in good faith or to exercise the level of care that is ordinarily required under the circumstances. This provision is designed to allocate responsibility appropriately and ensure that the parties involved in the transaction process adhere to standards of care and good faith.