Collin purchases a house, using a loan from Big Bank. As a condition of the loan, Big Bank requires that Collin purchase life insurance payable to Big Bank, to the extent of the outstanding mortgage, if Collin dies before fully paying the mortgage. Big Bank is

A. an intended beneficiary but not a donee beneficiary.

B. both a creditor beneficiary and a donee beneficiary.

C. a creditor beneficiary but not a donee beneficiary.

D. an incidental beneficiary but not a donee beneficiary.