Tom has just signed for a loan that contains an acceleration clause. how does this clause affect the terms of the loan?

a. if tom misses a loan payment, the bank can increase his interest rate.

b. if tom wants to, he can pay a small fee to change the amount he pays each month on the loan.

c. if tom cannot pay the loan, the bank can demand that he pay the remaining balance of the loan in full.

d. if tom wants to, he can pay more than his monthly payment each month in order to pay off the loan faster.