Which atoms in $H_2O$ and $ClF$ are negatively charged

Question

$\begin{array}{1 1}(a)\;\text{O in }H_2O\text{ and Cl in ClF}\\(b)\;\text{H in }H_2O\text{ and Cl in ClF}\\(c)\;\text{O in }H_2O\text{ and F in ClF}\\(d)\;\text{None of the above is correct}\end{array}$