Tac Ltd$.$ has just renegotiated new credit terms with their supplier of $3/10$ net $60.$

The company, however, does not have the $$50,000$ on hand to take advantage of the discount and is thinking of borrowing the funds from one of its banks. Scotia Bank will lend the company the funds for $30$ days at a cost of $$400$ while TD Bank offers a discounted loan for $30$ days at a cost of $$500.$

Required: Advise Tac Ltd$.$ on what action they should take. $($Use $4$ decimal places and show all calculations$)$