Confidence Bank has made a loan to Risky Corporation. The loan terms include a base borrowing rate of 8 percent, a risk premium of 3 percent, an origination fee of 0.1875 percent, and a 9 percent compensating balance requirement. Required reserves at the Fed are 6 percent. What is the expected or promised gross return on the loan? 12.02 percent. O 11.19 percent. 11.90 percent. O 12.29 percent O 12.22 percent