A woman beginning a small business will borrow \(\$ 10,000\). There are three possible lenders; one is an in-town bank who charges an effective annual interest rate of \(10 \%\), the second is a savings and loan whose interest rate is \(8 \%\), and the third is a major out-of-town bank, whose interest rate is also \(8 \%\). Because she wishes to establish a significant credit history at the in-town bank where she will do most of her banking, she will borrow at least \(\$ 5000\) from this institution. Of the remaining money, she will borrow at least as much from the out-of-town bank as from the savings and loan. How much should she borrow from each institution to minimize the yearly interest she pays?