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

You borrow $700 and promise to pay back $728 at the end of 1 year. ____%

You lend $700 and the borrower promises to pay you $728 at the end of 1 year.____ %

You borrow $89,000 and promise to pay back $465,812 at the end of 10 years.____ %

You borrow $12,000 and promise to make payments of $2,771.70 at the end of each year for 5 years. ____%