answer both pls with a cashflow diagram also pls

Q2) Answer the following (30 Points- 10 Points for A and 20 Points for B) A. A bank charges 1 % per month on the unpaid balance for purchases made on its credit card. What nominal interest rate is it charging? What is the effective interest rate? B. What amount will be required to purchase, on man's 40th birthday, an annuity to provide him with thirty equal semi-annual of $1000 each, the first to be received on his 50th birthday, if nominal interest rate is 12% compounded semi-annually