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If an ARM has a margin of 2.5 and the start rate is 4% and caps of 2/2/5 and the index at the first adjustment

If an ARM has a margin of 2.5 and the start rate is 4% and caps of 2/2/5 and the index at the first adjustment is 5, what is the rate?

A. 6% B. 7.5% C. 9% D. 6.5%

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