Adam is the drawer of a check, Fidelity National is the drawee bank, Chen is the payee, and Doug is the holder t: whom Chen negotiated the check. Adam stopped payment, but Fidelity National paid Doug on the check 2 days after receiving the stop-payment order. Which of the following is true? If Doug was a holder not in due course and Adam had a personal defense, Fidelity National is not required to credit Adam's account. II Doug was a holder in due course and Adam had a real defense, Fidelity National is not required to credit Adam's account. A drawce bank that pays a check after the timely receipt of a stop-payment order must credit the drawer's account regardless of whether (s)he has a defense against the payee or holder. If Doug was a holder in due course and Adam had a personal defense. Fidelity National is not required to credit Adam's account