As at December 2021 Riverdale Bank had a pool of assets with common credit risk characteristics. Its past 5-year performance is (all amounts are in $'millions): YEAR AMORTIZED COST AVERAGE BALANCE ANNUAL NET CHARGE OFF 2017 80,100 67,849 1,230 2018 83,159 71,089 1,859 2019 89,068 75,894 1,583 2020 94,956 80,784 1,724 2021 98,784 85,784 2,186 Riverdale estimates that payments on the pool of assets over the next 5 years (i.e., 2022 to 2026) will be $21,089, $25,961, $20,473, $17,567, and $13,694, respectively. What is the unadjusted expected loss rate? O 5.26% O 3.58% 6.19% O 2.55% 6.75%