Which of the following would be considered a personal defense?

$1.$ Jill has a breach of contract claim for a really terrible vacation.

Il$.$ Jill signed when she

distracted with another business deal.

III. Two days before Jill paid the company in full with cash.

Subsequently, Jill signed and issued this note by mistake.

IV$.$ BETTY changed the amount from $$98,000$ to $$198,000$ and presented it for payment.