Dan and Melissa just graduated from BYU-Idaho. They decided to take advantage of low home prices and purchase their first home. They borrowed the money for the house from Small Town Credit Union. After they made their first payment, they got a letter from the credit union which said, "We sold your mortgage to Big Bank. From now on send your payments to Big Bank." Small Town Credit Union has

acted illegally, so Dan and Melissa do not have to pay Big Bank.

made an assignment to Big Bank.

made a delegation to Big Bank.

entered a new contract with Big Bank.