Question 12 2 pts A 13-year loan of 12,000 is to be repaid with payments at the end of each year consisting of interest on the loan and a sinking fund deposit. Interest on the loan is charged at a 8.5% annual effective rate. The sinking fund's annual effective interest rate is 6%. However, beginning in year 5, the annual effective interest rate on the sinking fund drops to 4.5%. As a result, the annual payment to the sinking fund is then increased by X. Calculate X. [6.b #04] 61 93 69 O 77 85