Bank A offers you a loan at $8\mathrm{.}52\%$ compounded $5$ times a year. Bank B offers to loan you the same amount at $0\mathrm{.}10\%$ less than the rate offered by Bank A but compounded twice as often as the Bank A rate is$.$ Which bank's loan should you accept? As your answer, enter the effective rate $($in percent, to two decimal places at least$)$ offered by the bank whose loan you should accept.