Suppose the risk free rate r_f = 1%, the market risk premium is E(r_M) - r_f = 5%, and the risk premiums on SMB and HML are 2% and 3%, respectively. Further assume that a stock's market factor beta, SMB factor beta, and HML factor beta are 1.3, 1.5, and -1.3, respectively. According to Fama-French 3-factor model, the expected return on this stock is..?

a)5.6%

b)6.6%

c)4.6%

d)6.0%