answer is 6.25%, just need help solving

Question 42 O out of 3 points FTLAPR for ARM (Term=30 years, Initial Note = 3.50, Loan Amount = 200,000, X Margin = 2.5, Initial Index = 3, Points=2). Annual Adjustments with no interest rate or payment constraints. What is the FTLAPR? Answers: 6.25% 4.75% 5.36% 6.09% 5.36% 6.09% 5.36% 6.09% Question 42 O out of 3 points FTLAPR for ARM (Term=30 years, Initial Note = 3.50, Loan Amount = 200,000, X Margin = 2.5, Initial Index = 3, Points=2). Annual Adjustments with no interest rate or payment constraints. What is the FTLAPR? Answers: 6.25% 4.75% 5.36% 6.09% 5.36% 6.09% 5.36% 6.09%