Given the following loan:

Outflows: (40,000;0)

Inflows: [(10,500;1), (5,000;2), (15,000;3), (15,5367.55;4)]

Interest rates: i₁= 5% i₂ = 4.5% i₃ = 6% i₄=0.0504031%

Get the True effective rate for the pure transaction and obtain the true cost and the true return if there is an unilateral initial expense of 3,500 paid by the debtor and a bilateral initial expense also paid by the debtor of 550.