Find the interest rates earned on each of the following. Round each answer to two decimal places.

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

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

You borrow $78,000 and promise to pay back $101,773 at the end of 9 years.

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