(TRUE or FALSE?) The stated interest rate on a loan is always the same as the loan's effective annual interest rate. True False Question 19 (TRUE or FALSE?) When accounts receivable are used for collateral, the borrower pledges to turn over its accounts receivable to the lender if the borrower defaults. True False Question 20 (TRUE or FALSE?) With the equity financing, lenders often does not change the loan terms because accounts receivable inventory values may fluctuate. O True 1 pts False 1 pts