Which of these describes how a 5/1 ARM mortgage works? The annual fees on the mortgage are only charged during the first five years of the loan.

The interest rate charged on the mortgage is five times the normal interest rate.

The interest rate is fixed for five years and then changes every year afterward.

The monthly payment is one-fifth of the total purchase price of the house.

All of the following are examples of service-learning opportunities except: a. donating time to senior citizen war veterans and writing a report about the experience for your u.s. history class. b. getting a part-time job at a habitat restoration center. c. reading to second-grade students as part of your assigned reading time for your english class. d. planting trees in your community and then discussing global warming in your science class.

Break down of rocks and minerals into smaller particles without a change in composition is called_

In 1999, the u.s. announced trade sanctions worth $116.8 million, targeting goods from france, germany, italy and denmark. the sanctions were in retaliation for a ban on u.s. hormone-treated beef by which organization?