Determine the amount of money in a savings account at the end of one years, given an initial deposit of $9,500 and an 12 percent annual interest rate when interest is compounded (a) annually, (b) semiannually, and (c) quarterly. (Use a Financial calculator to arrive at the answers. Round the final answers to the nearest whole dollar.) Calculate the effective annual interest rate of each compounding possibility. (Use a Financial calculator to arrive at the answers. Round the final answers to 2 decimal places.)