Bank of Lesser Utah sends you a letter, indicating that you may transfer credit card debts from other credit card companies to Bank of Lesser Utah at an interest rate of 0% for two years by opening a new credit card account by April 3 through Bank of Lesser Utah's website. Which, if any, of the following will result in a contract with Bank of Lesser Utah?

Question options:

a) None of these.

b) By initiating a balance transfer from another credit card into your existing Bank of Lesser Utah credit card account.

c) By calling Bank of Lesser Utah's new accounts center and opening a new credit card account.

d) By writing Bank of Lesser Utah a letter indicating that you accept the offer.