A bank wishes to earn a pure rate of 2 percent, and the inflation premium is 1.6%. The bank uses the Fair Issac Corporation (FiCO) score to determine car loan rate for its customers. Based on an automobile loan applicant's FiCO score, it uses the following risk premium adjustment to the rate it quotes. What annual percentage rate will it quote to john Smith who has a FiCO score of 645? 5.91% 11.40% 6.22% 5.60% 5.29%