Liz Pico owns Gunner's Pet and Livestock Supplies. On April $25,$ she signs a document promising to pay $$5,000$ in $90$ days to Black Forest National Bank. The document states that interest of $6\%$ will be paid. The document is a$($n$)$

a$.$ non$-$interest$-$bearing note because the dollar amount of interest is not stated on the note.

b$.$ interest$-$bearing note because an explicit interest rate is stated on the note.

c$.$ interest$-$bearing note because the transaction involves a bank.

d$.$ non$-$interest$-$bearing note because the interest is separate from the amount borrowed.