4. Anas has the alternative of borrowing RM20,000 for one year with a 14% discount loan. The bank requires a 20% compensating balance. He does not have any cash balance to meet the compensating balance requirement. a. Calculate the amount received in this situation. (3 marks) b. Calculate the effective annual rate would be in this situation. (3 marks) C. Calculate the amount received by Anas in 6 months (3 marks) d. Calculate the effective annual rate if Anas wish to borrow for six months