34 5 6 7 8 9 10 below is an excerpt from a home loan contract. “the sum of the principal of the loan and all applicable interest will be divided into 360 monthly payments according to the amortization schedule. the buyer shall make each monthly payment by the first day of the month it is due. a payment not received by the first day of the month it is due will be considered delinquent. a payment not received by the fifteenth day of the month it is due will be subject to a late charge of $75.00. if a payment is not received by the last day of the month it is due, the buyer and transaction shall be reported to the appropriate credit agencies. in the event of delinquency, the buyer may divide any payment not received into not more than three equal installments to be included on the next consecutive monthly payments. notification of the buyer’s intent to do so must be made by written letter or phone call to the phone number and address listed below within one business week of delinquency.” according to the contract, which of the following is not a responsibility of the buyer? a. pay the monthly payment on time. b. notify the bank if a payment is going to be late. c. pay an additional $75.00 with a payment made after the 15th day of the month it was due. d. notify the bank of his or her intent to split a late payment into three partial payments