Use the following information to answer questions 19 and 20. You are considering investing $500 in a mutual fund with a 12% expected return. The fund has two available classes of shares. The following table reports the fees for the two classes of shares: Class A Class B Front end load Back end load 12b-1 Expense ratio 1% 0.25% 0.75% 0.20% 0.5% 1.5% 0.75% 0.25% 19. What are the true expense ratios for class A and class B shares? a. True expense ratio for A = 2.20% ; True expense ratio for B = 3.00% b. True expense ratio for A = 0.80%; True expense ratio for B = 0.75% c. True expense ratio for A = 0.20% ; True expense ratio for B = 0.25% d. True expense ratio for A = 1.20% ; True expense ratio for B = 1.25% True expense rati A = 0.95%; expense ratio for = 1.00 a. 20. If you decide to invest in Class A shares for 5 years, what would be your annualized rate of return? 6.54% b. 6.97% c.) 10.77% d. 11.52% 12.68% e