Vega research has been conducting investor polls for Third State Bank. They have found the most investors are not willing to tie up their money in a 1-year (2-year) CD unless they receive at least 1.0% (1.5%) more than they would on an ordinary savings account. If the savings account rate is 3%, and the bank wants to raise funds with 2-year CDs, the yield must be at least:（）
A. 4.0%, and this represents a required rate of return.
B. 4.5%, and this represents a discount rate.
C. 4.5%, and this represents a required rate of return.
