A borrower gets a $100 000 loan at 8% at a bank which requires the lender to keep a balance of 20%. If all of this balance is a net increase in the account balance, which the borrower would normally maintain, what is the equivalent rate paid by the borrower? Oa. 7.20% Ob. 6.40% OC. 10.00% d. 9.00% e. 8.00%