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

1. You borrow $750 and promise to pay back $780 at the end of 1 year.

2. You lend $750 and the borrower promises to pay you $780 at the end of 1 year.

3. You borrow $59,000 and promise to pay back $165,948 at the end of 12 years.

4. You borrow $16,000 and promise to make payments of $5,001.00 at the end of each year for 5 years.