Let's assume you borrowed $4000 from Wells Fargo Bank on July 1 . The annual Percentage Rate is 4%. The term is 2 years. After you paid the first month's payment (i.e., August 1), you received the tax return of $500 from the IRS on the same day. You used the tax return for the loan payment on the same day. What would be an outstanding balance after you made the September payment? 3678.73 317707 3213.83 3529.32