Find the interest rates earned on each of the following. Round your answers to the nearest whole number.

1. You borrow $650 and promise to pay back $689 at the end of 1 year.

   %

2. You lend $650 and the borrower promises to pay you $689 at the end of 1 year.

   %

3. You borrow $78,000 and promise to pay back $155,923 at the end of 9 years.

   %

4. You borrow $15,000 and promise to make payments of $4,058.60 at the end of each year for 5 years.

   %