Diana is planning on purchasing a car. She is given a loan offer of 6.3% EAR on a 5 year loan by Bank of America and a loan offer of 6.2% APR over 3 years by Wells Fargo. Both want monthly payments and are offering a loan amount of $13,400. Which bank has a higher payment, which one gives a lower total amount paid? If you could show in excel, that would be awesome.