An investor buys a T-bill at a bank discount quote of 6.00 with 90 days to maturity. The investor's actual annual rate of return on this investment is \begin{tabular}{|l|} \hline 6.01% \\ \hline 6.38% \\ \hline 6.09% \\ \hline 6.18% \\ \hline \end{tabular}