Daphne decides to buy a new car. The dealership offers her a choice of paying $511 per month for 5 years (with the first payment due next month) or paying $28,303 today. She can borrow money from her bank to buy the car. What stated annual interest rate makes her indifferent between the two options? 1) 2.40 02) 3.19 O 3) 3.98 04) 4.65 5) 5.41