Please show work!

You are considering an investment of $5,000 in a mutual fund with an annual fee ratio of 0.5%,a0.5% of front load, and a 1.5% of back load. You are also considering an investment in a bank saving account paying 4% interest per year. If you plan to invest for three years, what annual rate of return must the mutual fund earn for you to be better off in the mutual fund than in the bank saving account? Assume that risk is constant across the two investments and you pay no taxes