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9. Which of the following clauses leads to higher risk for an ARM's lender? A. Negative amortization is not allowed, when interest is not covered by the payment due to a payment cap. B. There is floor for payments. C. Adjustment interval is longer than one year. D. All of the above. 10. The expected cost of borrowing does not depend on which of the following provisions? A. The frequency of payment adjustments. B. The inclusions of caps and floors on the interest rate, payment or loan balances. C. The spread over the index chosen for a given ARM D. None of the above. Which of the following is TRUE regarding the incremental Cost of Borrowing (the costof borrowing more money): 11. A. It should be less than the rate for a first mortgage B. It should be compared to the cost of obtaining a second mortgage C. It is used to calculate the APR for the loan D. It is independent of Loan-to-Value Ratio lat whiec deductible? A. Loan amortization B. Interest on mortgage loans C. Insurance D. None of the above hon to valuation. Which of the following is NOT