You are considering an investment in Citizens Bank Corp. The firm has a beta of $1\mathrm{.}2$ and a standard deviation of returns of $20\%.$ Currently, U$.$S$.$ Treasury bills are yielding $4\%$ and the expected return for the S & P $500$ is $14\%.$ What rate of return should you expect for your investment in Citizens Bank?

Group of answer choices

$15\mathrm{.}15\%$

$17\mathrm{.}00\%$

$16\mathrm{.}0\%$

$10\mathrm{.}75\%.$