Adelie is nineteen years old and about to buy her first car from Car Mart, a dealership that finances its own car loans. Adelie has found her perfect car, and at a great price - $7,000. Because Adelie does not have an established credit record, and her income is fairly low, Car Mart tells Adelie that she must have a co-signer to finance the car. Adelie's Aunt Gertrude agrees to co-sign on the car loan. After Adelie has made payments for six months, Adelie renegotiates the terms of the car loan, extending the payments for an additional twenty-four months. Adelie does not notify Aunt Gertrude of this change to the agreement. Six months later, Adelie stops making payments on the loan, leaving a remaining balance of $5,000. If Car Mart seeks payment from Aunt Gertrude without demanding payment from Adelie first: Aunt Gertrude will have to pay because she is a surety on the loan. Aunt Gertrude will not have to pay because there was a material modification in the loan terms. Aunt Gertrude will not have to pay because Car Mart must pursue Adelie for payment first. Aunt Gertrude will have to pay because she is a guarantor on the loan