A random sample of 256 credit unions that offer credit cards revealed that the average annual fee charged by the credit union was $12.56 with a standard deviation of $2.33.A random sample of 225 banks offering credit cards showed that the average annual fee was $16.48 with a standard deviation of$3.18.Could the banks be accused of having an average annual fee that is in excess of that charged by creditunions?Use a 5% level of significance to justify your