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A. The bank stands ready to pay $5.2% against receiving dollar Libor on 5-year loans. B. The bank stands ready to receive 7% against receiving dollar Libor on 5-year loans. Summers have a July mean average of 19.7 °C (67.5 °F). Winters are the coldest and driest time of year, with the January mean average around −16.4 °C (2.5 °F) and total winter precipitation averaging 55 mm (2.2 in).