Baylor Obtains a Loan from City Bank at 24

Multiple Choice

Baylor obtains a loan from City Bank at 24.5 percent interest. Their state's usury statute limits interest rates to a 22.0 percent maximum. Baylor's contract with the bank is enforceable only if​

A) ​Baylor does not attempt to disaffirm it.
B) ​the bank does not attempt to disaffirm it.
C) ​both Baylor and the bank knew of the state limit.
D) ​none of the choices.