please answer it

A corporate borrower would like to apply for a 10year $5 million loan to nance its new project from Monash Bank. Monash bank would like to charge this borrower a 1% spread and 0.5% of origination fee and expect a 0.2% of the expected loss. Since the project is very complicated to evaluate. and it will cost Monash bank $ 20,000 to invite experts to assess it. Suppose that the riskadjusted factor (aR)f{1+RL ) and the tax rates are 0.3% and 20% respectively, what is the RURAC of this borrower? Select one: 0 a. 9% O b. 12% O c.14% O d.16% O (2.18%