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Bank A offers you a loan at 9.61% compounded 5 times a year. Bank B offers to loan you the same amount at 0.10% less

Bank A offers you a loan at 9.61% compounded 5 times a year. Bank B offers to loan you the same amount at 0.10% 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?

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