Which of the following is incorrect?

a. The contract of murabaha requires that the markup (profit) must be recognised equally over the murabaha contract period.

b. In murabaha financing, the selling price must be fixed without any hidden cost.

c. The contract of murabaha allows for early redemption with rebate on the unearned income.

d. Late payment charges levied by the bank are allowed by AAOIFI but should be given to the charity if directed by the Sharia committee and should not be compounded.