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B is corrent because when Haskin negotiated the check with an unqualified endorsement, he extended contractual liability. Under the concept of contractual liability, the endorser guarantees payment of the instrument if the appropriate party for payment dishonors the instrument. Consequently, if there was proper presentment and notice given, Carlson may recover from Haskin when the bank dishonored the check.
A is incorrect because the issuance of a check is not an assignment of the funds held in the bank.
C is incorrect because the fact that Kirk is insolvent does not create a real defense. If Kirk had been discharged from the debt in a bankruptcy proceeding, Kirk would then be able to assert a real defense that would be good against a holder in due course.
D is incorrect because the issuance of a check does not create a security interest on the part of the holder of the instrument.