When an alteration is readily apparent, such as a number changed on the face of the instrument, then the holder has

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of some defect or defense regarding the instrument. When this occurs, a holder of the instrument

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become a holder in due course. The instrument cannot be enforced as

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but only as an

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$.$ If Tipton sued American Express for payment, American Express

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have a valid

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defense against Tipton and

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have to pay the value of the money orders to Tipton.