What is spread effect? Answer Choices:

Periodic cash flow of interest and principal amortization payments on long-term assets that can be reinvested at market rates. The value of an FI to its owners. The effect that a change in the spread between rates on RSAs and RSLs has on net interest income as interest rates change. The effect of mismatch of asset and liabilities within a maturity bucket. The premium paid to compensate for the future uncertainty in a security's value