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99. Which combination of interest rate and points would offer a potential borrower the most favorable interest rate over the life of the loan? (a)

99. Which combination of interest rate and points would offer a potential borrower the most favorable interest rate over the life of the loan? (a) 5.0% plus 8 points O (b) 6.1% plus 2 points (c) 6.2% plus no points. (d) 6.5% plus no points

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