5. (20 points) A loan of 1200 is to be repaid over 20 years. The borrower is to make annual payments of 100 at the end of each year. The lender receives 5% on the loan for the first 10 years and 6% on the loan balance for the remaining years. After accounting for the interest to be paid, the remainder of the payment of 100 is deposited in a savings account earning 3%. The balance of the savings account is paid to the lender at the end of the 20 years. What is the loan balance still due at the end of 20 years, after the transfer of the savings account funds (a negative number would mean that the borrower gets to keep funds, i.e. the savings account balance is greater than $1200)