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

1. You borrow $700 and promise to pay back $791 at the end of 1 year.

   %

2. You lend $700 and the borrower promises to pay you $791 at the end of 1 year.

   %

3. You borrow $96,000 and promise to pay back $122,524 at the end of 5 years.

   %

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

   %