$15.$ A$($n$)12\%$ APR with monthly compounding is closest to $\_\_\_\_\_\_\_\_.(5$ points$)$

a$.$ an EAR of $10\mathrm{.}14\%$

b$.$ an EAR of $15\mathrm{.}22\%$

c$.$ an EAR of $12\mathrm{.}68\%$

d$.$ an EAR of $25\mathrm{.}36\%$