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Problem 5-45 EAR of Add-On Interest Loan (LG5-7, LG5-8) To borrow $3,300, you are offered an add-on interest loan at 97 percent with 12 monthly payments. Compute the 12 equal payments. (Round your answer to 2 decimal places.) Equal payments 289.66 Use the amount you borrowed and the monthly payments you computed to calculate the APR of the loan. Then, use that APR to compute the EAR of the loan. (Do not round intermediate calculations and round your final answer to 2 decimal places.) EAR 10.14%