Given the following Adjustable Rate Mortgage (ARM): Loan amount: $100,000 Term: 20 years, monthly payment Discount point: 0 Origination fee: $8,000 Teaser rate: 7.5% Margin: 225 basis points Rate caps: Market Index: 2.5% annually. 6% lifetime EOY 1 Index 8.6% 2 3 4 9.5% 10.5% 11.5% 10.5% What are the proper interest rates for calculating the monthly payments from year 2 to year 6? (hint: keep in mind the lifetime cap) O 10.85 %, 11.75 %, 12.75% : 13.75%; 12.75% O 10 %, 11.75 %, 12.75 % ; 13.5%; 12.75% O 10 %, 12.5%, 13.5%, 13.5%, 13.5% None of the above is all correct