Arvest Bank is doing some scenario analysis. It believes the prime interest rate for business loans will change from their current 4 percent to either 5 percent or 3 percent in the next year. There will be no change in their $3,000,000 income at the 4 percent interest level, but net income will fall to $1,000,000 if interest rates fall to 3 percent and increase to $4,000,000 if the interest rates increase to 5 percent. Finally, Arvest predicts a 25 percent probability of a 4 percent interest rate, 25 percent probability of a 3 percent interest rate and a 50 percent probability of a 5 percent interest rate. Required: What is the expected financial impact on net income of changing interest rates at Arvest Bank? Amount Changing Expected financial impact increase decrease no change