A bank has two, 4-year commercial loans. The first is a $100 million loan that requires a single payment of $146.41 million in 4 years, with no other payments until then. The second loan requires an annual interest payment of $5 million, and the principal of $150 million is due in 4 years. Both loans have the same interest rates. What is the duration of the bank's commercial loan portfolio? O 4 years O 3.78 years O 2.98 years O 3.88 years Question 4 0.5 pts From Question 3, what will happen to the value of its portfolio if the general level of interest rates decreases by 2%? O The value of the portfolio will increase by $1,592,476. O The value of the portfolio will increase by $15,409,963. O The value of the portfolio will decline by $12,245,667. O The value of the portfolio will decline by $4,353,796