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Joseph and Thomas took out an agriculture loan 20,000 rupees each from a bank at 10% rate of interest. the bank allows 4% concession on the interest, if the loan is paid back in two years if the amount is not paid back with in this period they change an aditional 1% penal intereset.Joseph paid all dues on the extact day of complating two years. but Thomas could do it only the next day?