Abank advertises a 3/1 arm at 4.65% with a 3/9 cap. . what is the maximum interest rate that can be charged during the fifth year? . 3%. 4.65%. 9%. 10.65%

"a 3/1 ARM" means starting at a fixed interest rate for the first 3 years and the interest rate will adjust every year after the first three years  up to the part where it mentions a "3/9 cap". This on the other hand tells us that the increase will be 3% each time there is an interest rate increase and the max increase is 9%. Hence the answer is 9%

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