4. You borrowed $100,000 at 4% annual interest rate that you must repay over 5 years. The loan is amortized into five-equal end-of-year payments. (1) Calculate annual payment amount (2) Prepare a loan amortization schedule (3) If you make equal monthly payment for 60 months, calculate monthly payment amount and prepare a monthly loan amortization schedule (4) How much is total interest charge for 5 years, if you make annual payment? How much is total interest charge for 60 months, if you make monthly payment? Do you pay more interest with annual payment or monthly payment? Why