3. Given that HHI after merge is between 1000 and 1800, the merger will be approved by US Justice Department if the change in HHI should be less than (A) 100 points; (B) 150 points; (C) 200 points; (D) 250 points; (E) 300 points. 6. Suppose that the loan officer offered a consumer a one-year loan of $3000 at an interest rate of 12%. What is effective interest rate for the loan according the discount rate method? (A) 12.24%; (B) 13.36%; (C) 13.63%; (D) 10.71%; (E) 24%. 10. Suppose that a borrower asking $2 million credit line is require by the bank to keep deposits with his account in the bank. The terms are that the borrower should keep deposits in 20% on the used parts of credit line and 10% on the unused parts of credit line. If the borrower withdraws $0.5 million, what are the compensating deposit balance? (A) $0.2 million; (B) $0.3 million; (C) $0.4 million; (D) $0.1 million; (E) $3.5 million