Your client is in need of a 20 year, $100,000 mortgage that requires monthly payments. Bank A is offering no fees, no points, and a 4.3% annual rate. Bank B offers 4% annual interest with 2 points. The cost of the points would be added to the legal amount of the mortgage. Your client indicates that she will likely sell the home after 3 years. Which is the better deal, Bank A or Bank B, in the following independent situations? Back your recommendation with an effective rate calculation. 1. Your client stays with the mortgage for the full 20 years. Show all inputs for calculations. 2. Your client pays off the mortgage after 3 years. Show all inputs for calculations.(you should not need an amortization table)