William Obtains a Loan from a Bank at 4

William obtains a loan from a bank at 4.5% interest.The state where he obtains the loan has a usury statute that limits interest rates to a 3.5% maximum.William's contract with the bank is

A) enforceable only if William does not attempt to disaffirm it.
B) enforceable only if the bank does not attempt to disaffirm it.
C) enforceable only if both William and the bank knew of the statute when the contract was signed.
D) not enforceable.