Jason Allen bought a Honda Civic for $$17,345.$ He put down $$6,000$ and financed the rest through the dealer at an APR of $9\mathrm{.}20$ percent

for four years. What is the effective annual interest rate $($EAR$)$ if the loan payments are made monthly? $($Round answer to $2$ decimal

places, e$.$g$.15\mathrm{.}25\%.)$

Effective Annual interest rate

$\%$