9. Refer to a {4} above, where the borrower and lender agree that the loan balance of $150,000 will be payable at the end of year 20: (1} How much total interest will be paid from all payments? How much total amortization will be paid? [2) What will be the loan balance at the end of year 3? (3) If the loan is repaid at the end of year 3, what will be the effective rate of interest? [4) if the lender charges 4 points to make this loan, what will the effective rate of interest be if the loan is repaid at the end of year 3