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

1. You borrow $740 and promise to pay back $777 at the end of 1 year.

   %

2. You lend $740 and the borrower promises to pay you $777 at the end of 1 year.

   %

3. You borrow $93,000 and promise to pay back $344,772 at the end of 10 years.

   %

4. You borrow $9,000 and promise to make payments of $2,684.80 at the end of each year for 5 years.

   %