Vega research has been conducting investor

问题：

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.