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Two banks are offering different investment opportunities. Bank A offers an account that pays 3.7365% interest compounded daily (excluding leap years). Bank B offers an account that pays 3.7616% interest compounded semi-annually. Determine the APY for each to decide which bank is offering a better investment account.

Round your answers to 4 decimal places. Enter your answers with 4 decimal places (using zeros if needed) and don't forget to include a percent sign, %, in your answers.

APY for Bank A = APY for Bank B = Which bank is offering the better investment account?