Determinants of market interest rates

Some characteristics of the determinants of nominal interest rates are listed as follows.

Identify the components $($determinants$)$ and the symbols associated with each characteristic.

Characteristic Component

It changes over time, depending on the expected rate of return on productive assets exchanged among market participants and people$$s time preferences for consumption. Real risk$-$free rate

This is the rate on a U$.$S$.$ Treasury bill or a U$.$S$.$ Treasury bond.

This is the premium added to the real risk$-$free rate to compensate for a decrease in purchasing power over time.

This is the difference between the interest rate on a U$.$S$.$ Treasury bond and a corporate bond of the same profile$$that is$,$ the same maturity and marketability. Default risk premium

It is based on the bond$$s marketability and trading frequency; the less frequently the security is traded, the higher the premium added, thus increasing the interest rate.

As interest rates rise, bond prices fall, and as interest rates fall, bond prices rise. Because interest rate changes are uncertain, this premium is added as a compensation for this uncertainty. Maturity risk premium

Sam bought shares of a heavily traded stock listed on the New York Stock Exchange $($NYSE$),$ whereas Teresa bought stocks of a rural bank with a very small number of shareholders. Whose investment is more exposed to marketability risk?