The drawer of a check made the check out for $15,000. A holder of the check altered the check to $35,000. First Bank is a holder in due course of the check. Which of the following best represents what can be collected by First Bank?

a Bank can collect the original amount of $15,000 intended by the drawer.

b Bank can collect the full $35,000 because it is a holder in due course.

c Bank cannot collect anything because the bank is subject to the drawer's personal defense of material alteration.

d Bank cannot collect anything because the bank is subject to the drawer's real defense of fraud in the execution.