4. Consider the following. Two mortgages are available for $700,000.00. Both are paid monthly, compounded quarterly have terms of 5 years and are amortized over 25 years. One has an interest rate of 4% however prohibits any prepayment, the other has an interest rate of 4.3% and allows for prepayment of 10% of the balance per year. If the borrower expects to make a lump sum payment at the end of each year of $4000.00 which mortgage costs the least interest by the end of the term? (4 points)