First National Bank charges 14.4 percent compounded monthly on its business loans. First United Bank charges 14.7 percent compounded semiannually. Calculate the EAR for First National Bank and First United Bank. (Do not round intermediate calculations. Enter your answers as a percent rounded to 2 decimal places (e.g., 32.16).) EAR First National First United As a potential borrower, to which bank would you go for a new loan? O First National Bank First United Bank