A mortgage banker is originating a level-payment mortgage with the following terms: Annual interest rate: 9.0% Loan term: 15 years Payment frequency: Monthly Loan amount: $ 160,000 Up-front financing costs (including discount points) paid to lender: $ 2,000 Up-front financing costs paid to third parties other than the lender: $ 2,000 Required: Calculate the annual percentage rate (APR) for Truth-in-Lending purposes. Calculate the lenders yield with no prepayment. Calculate the lenders yield with prepayment at the end of five years. Calculate the effective borrowing cost with prepayment at the end of five years. Note: For all requirements, do not round intermediate calculations. Enter your answer as a percentage rounded to 2 decimal places (i.e. 0.1234 should be entered as 12.34)