First National Bank charges $14$ percent compounded monthly on its business loans. First United Bank charges $14\mathrm{.}3$ percent compounded semiannually.

Calculate the EAR for First National Bank and First United Bank. $($Do not round intermediate calculations and enter your answers as a percent rounded to $2$ decimal places, e$.$g$.,32\mathrm{.}16.)$

$\backslash$table$[[,,],[$First National,,$\%$