Terri has a whole life insurance policy with a face value of $300,000, an adjusted cost base (ACB) of $15,000, and a cash value of $40,000. Terri recently encountered some unexpected expenses, and is considering taking out a policy loan. Which one of the following statements properly describe Terris situation? Question 34 options: a) Terri could access a maximum of $25,000 from a policy loan. b) Terri would not incur any interest charges in relation to the policy loan as she is the policy owner. c) Terris policy loan would typically be established on a floating basis with no interest rate guarantee. d) Terris loan repayment schedule would be determined when the loan is established.