19. You take out a $10,000 loan for 1 year. The stated annual interest rate is 8% and the bank charges you a 2% fee. This fee is calculated on the $10,000 loan amount and is paid simultaneously when the loan amount is disbursed to you. Interest on the $10,000 loan amount is paid at the end of the year when the loan is paid off. What annual interest rate are you actually paying? O 8.5% 09.75% O 10.05% 10.20% 10,65% None of the above