if a bank will lend you $$100,000$ for one year at a nominal annual rate of $13\mathrm{.}35\%,$ but you must make interest payments at the end of each quarter and then pay off the $$100,000$ principal amount at the end of the year. What is the effective annual rate on the loan? $($round to $2$ decimal places and leave off the $\%$ sign, for example enter $12\mathrm{.}343\%$ as $0\mathrm{.}1234)$