Jay Bosley borrows $15,000 from the County Bank with an interest rate of 9 percent. Jay defaults on the loan, and County Bank assigns the rights to an agency to recover the money. Jay can raise a defense against County Bank if ________. A) the agency acts on behalf of the bank B) the agency discharges its contract with the bank C) the agency demands a higher interest rate D) the agency sues Jay on charges of nonperformance