Effective rate of interest

Find the interest rates earned on each of the following. Round each answer to two decimal places.

1. You borrow $680 and promise to pay back $782 at the end of 1 year.%
2. You lend $680 and the borrower promises to pay you $782 at the end of 1 year.%
3. You borrow $67,000 and promise to pay back $124,013 at the end of 8 years.%
4. You borrow $10,000 and promise to make payments of $2,504.60 at the end of each year for 5 years.%