0.41 points First National Bank charges 13.3 percent compounded monthly on its business loans. First United Bank charges 13.4 percent compounded semiannually. As a potential borrower. you decide to compare their effective annual rates. First National Bank's business loans have an EAR of percent percent. (Do not include the percent whereas First United Bank's loans have an EAR of signs (96). Round your answers to 2 decimal places. (e.g., 3216)