Martinez could borrow $$99,800$ from its bank to finance the purchase at an annual rate of $9\%.$

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Should Martinez borrow from the bank or use the manufacturer's payment plan to pay for the equipment? $($Round factor values to $5$ decimal places, e$.$g$.1\mathrm{.}25124$ and final answer to $0$ decimal places, e$.$g$.7\%.)$

Manufacturer's rate

$\%$