For a three-month loan of $5,000 with an interest rate of 10 percent, determine usable funds, the AFC and APY for each of the following four loans (assume a normal deposit balance of $0):

a. Regular interest loan (interest paid at maturity) b. Discounted interest loan c. Regular interest loan with a 10% compensating balance requirement

d. Discounted interest with a 10% compensating balance requirement