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Discount loan. Up-Front Bank uses discount loans for all its customers who want one-year loans. Currently, the bank is providing one-year discount loans at 7.6%. What is the effective annual rate on these loans? If you were required to repay $235,000 at the end of the loan for one year, how much would the bank have given you at the start of the loan? If you were required to repay $235,000 at the end of the loan for one year, how much would the bank have given you at the start of the loan? $ (Round to the nearest dollar.)