John is deciding between two savings accounts:

Perpetual National Bank offers to pay a nominal rate of interest convertible continuously if John deposits $20,000 and leaves it in the account for five years.

Innovative Credit Union will pay a nominal discount rate of 10% per year convertible nine times a year if John deposits $20,000 and leaves it in the account for five years.

Determine the force of interest Perpetual National Bank must pay so that John will end up with the same amount of money at the end of five years regardless of where he deposits his money.