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1.Which statement about how loans are priced by banks is FALSE? They can include a competitive pricing adjustment to reduce the interest rate spread. They

1.Which statement about how loans are priced by banks is FALSE?

They can include a competitive pricing adjustment to reduce the interest rate spread.

They may require some nonprice adjustments, such as compensating balances.

The spread incorporates multiple aspects including credit risk and a term premium.

The interest paid is always higher than the reference benchmark interest rate.

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