Light Blue Company borrowed from Gold Bank under a 10-year loan in the amount of P5,000,000 with interest rate of 6%. Payments are due monthly and are computed to be P55,500. Gold Bank incurs P200,000 of direct loan origination cost and P50,000 of indirect loan origination cost. In addition, Gold Bank charges Light Blue a 5-point nonrefundable loan origination fee. Gold Bank, the lender, has carrying amount of OP5,200,000 O P5,000,000 OP4,750,000 O P4,950,000