What must a lender provide to a prospective borrower who is obtaining an Adjustable Rate Mortgage?

a. An educational brochure about ARMs

b. An historical example how payments on a $10,000 loan would have changed in response to actual past historical data on the index to be applied.

c. The payment amount on a $10,000 loan at the initial interest rate, and the maximum possible interest rate that could apply to the loan during its term.

d. All of the above.