Delivery alone is insufficient to negotiate an instrument when it is payable to:

A) order and the last indorsement is in blank.
B) cash and signed by the drawer.
C) bearer and is not indorsed.
D) the order of John Jones and is not indorsed.

Indorsement

The act of signing one's name on the back of a check or other negotiable instrument for the purpose of transferring ownership or authorizing its use by someone else.

Payable to Order

A financial term indicating that a payment should be made to a specific individual or entity whose name appears on the document.

Drawer

In banking and finance, the person who writes or issues a check or draft, instructing the bank to pay a specified amount to the person or entity named.