4. June deposits $1,000 at the end of each year in an investment account for five years at compound interest. The fund has a balance of $6,228 at the date of the last deposit. What rate of interest did she earn?

5. On January 1, Jin owed a debt of $7,565. An agreement was reached that she would pay the debt plus compound interest in 24 monthly installments of $350, the first payment to be made at the end of January. What rate of annual interest is she paying?