Bank P offers a 3-year certificate of deposit that pays an annual effective interest rate of 4%. In addition, a bonus of 2% of the initial investment is paid at the end of the 3 -year period. Bank Q otters a 3-year certificite of deposit without any bonus. Calculate the annual effective interest rate that Bank Q would have to offer to produce the same annual yield as the certificate from Bank P. 4.3% 4441 4.5% 4.60N 4.75