Given that the underlying stock price is $25, then the February 20 call is in the money. 
Definitions:
Interest Rate
The proportion of a total amount of money that is levied for borrowing it, usually described as a yearly rate percentage.
Interest Rate
The percentage of the principal charged by the lender for the use of its money, or earned by an investor on an investment.
Loanable Funds
Refers to the supply of capital or funds available for borrowing within an economy.
Interest Rates
The cost of borrowing money or the compensation for the service and risk of lending money, expressed as a percentage of the principal loan amount.
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