1. Mr. Shoemo needs a $30,000 loan to open his business. His Lender gives him two plans to choose from. Plan "A" would require a 1% of the loan origination fee due now and yearly payments of $7,712.77 per year for 5 years. Plan "B" would also require a 1% origination fee due now but a lump sum payment of $46,158.72 due at the end of year 5. Which plan(s) makes the most money for the lender at the end of 5 years when using the factors in the back of the book and an interest rate of 9% per year? (10pts) 2. Ms. Nadine has to choose between receiving $2,007 at the end of 5 years or $1,500 today. If Ms. Cheatham is a so called "Baller" and doesn't need the money today if she chooses the $1,500, but instead deposits it into a savings account, what ROR must the saving account pay out? (10pts)