Suppose you have an Equity-Indexed Universal Life policy and want all of your account value exposed to the index crediting mechanism. The participation rate is 80%, the growth cap is 10%, and the growth floor is 0%. For each of the changes in the index over the segment term listed below, what is the growth rate that will be used to calculate your interest credits? Be sure to show your calculations and explain how you found your answers.

A) 9.00%

B) 12.00%

C) -4.00%