Earnest money in Missouri must be:

Option A is incorrect because Missouri law does not automatically require earnest money to be held by the seller. This would create a conflict of interest and potential misuse of funds, which is why contracts typically designate neutral third parties.

Option C is incorrect because earnest money is provided by the buyer to demonstrate commitment, not given to the buyer. The buyer is the one providing this money as part of the purchase transaction.

Option D is incorrect because Missouri does not require earnest money to be held by the state. The state has no role in holding earnest money unless there's a specific contractual provision or legal dispute.