4. (7 points) First City Bank pays 7 percent simple interest annually on its savings account balances, where Second City Bank pays 7 percent interest compounded annually. If you made a deposit of $4,000 in each bank, how much more money would you carn from your Second City Bank account at the end of five years? 0% 00 5. (11 points) You are planning to save for retirement over the next 35 years. To do this, you will invest $450 per month in a stock account. The return of the stock account is expected to be 9 percent per year. When you retire, you will transfer your money into an account with a return of 4.5 percent per year. How much can you withdraw each month from your account assuming a 20-year withdrawal period