Detailed Answer
(c) One who issues a personal check is liable on it; however,
any party or principal who is not disclosed on the check is
not liable on the negotiable instrument. Answers (a) and (b) are
incorrect because the third party can elect to hold either the
agent or the principal liable when the agent makes a contract for
an undisclosed principal. Answer (d) is incorrect because the
party who signs a check is liable on it.