Personal defenses to the payment of an instrument include:

A) Breach of contract or warranty
B) Fraud in the inducement
C) Illegality
D) Breach of contract or warranty,fraud in the inducement,and illegality
E) Illegality and lack or failure of consideration,but not breach of contract or warranty

Personal Defenses

Legal defenses that can be used to avoid enforcement of a contract or negotiation due to personal circumstances, such as minority, incapacity, or duress.

Illegality

The quality or condition of being contrary to law or forbidden by law.

Breach Of Contract

The violation of any term of a contract without a legitimate legal excuse, which allows the other party to the contract to seek legal remedies.