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 $754 at the end of 1 year.

2. You lend $650, and the borrower promises to pay you $754 at the end of 1 year.

3. You borrow $99,000 and promise to pay back $882,694 at the end of 12 years.

4. You borrow $11,000 and promise to make payments of $3,359.50 at the end of each year for 5 years.