A certificate of deposit (CD) is an agreement between a bank and a saver in which the bank guarantees an interest rate and the saver commits to leaving his or her deposit in the account for an agreed-upon period of time. First National Bank offers two-year CDs at 9.14% compounded daily, and Citywide Savings offers two-year CDs at 9.15% compounded quarterly. Compute the annual yield for each institution. (Round your answers to two decimal places.)

FNB	%
CS	%