After Annelise fell behind on her mortgage payments, she answered an advertisement from Worst Financial Co. ("Worst") offering her attractive refinancing options. During a meeting at a McDonalds restaurant, a Worst rep told her that his company would arrange for total refinancing of her home, pay off her creditors, and give her an additional $10,000 in cash. Annelise would only have to pay Worst $5,000. Annelise immediately signed a promissory note that was filled in later by the worst rep for $15,226.91. Worst did not fulfill its promises to Annelise, but within two weeks, it sold the note to Treasure Valley Bank for just under $14,000. Annelsie refused to pay the note, alleging that Treasure Valley Bank was not a holder in due course. Is Annelise liable to Treasure Valley Bank?