The loan below was paid in full before its due date. $($a$)$ Obtain the value of $h$ from the annual percentage rate table. Then $($b$)$ use the actuarial method to find the amount of unearned interest, and $($c$)$ find the payoff amount.

Regular Monthly

Payment

$$407\mathrm{.}91$

$$407\mathrm{.}91$

$4\mathrm{.}0\%$

Remaining Number of Scheduled

Payments after Payoff

$12$

Click the icon to view the annual percentage rate table.

$($a$)h=$$