1. Disaffirmance
A. The act of accepting and giving legal force to an obligation that was previously unenforceable
2. Ratification
B. A contract clause that releases a party from liability in the event of monetary or physical injury, no matter who is at fault
3. Usury
C. The legal avoidance, or setting aside, of a contractual obligation .
4. Exculpatory Clause
D. A lender who makes a loan at an interest rate above the lawful maximum