On the Internet you find the following offers for opening an online account. Which of them is the best offer if you have $5,000 to save for two years?

a.

an interest rate of 5 percent, with the bank charging you a $50 processing fee at the time you open your account

b.

an interest rate of 4 percent, with the bank giving you a $65 bonus at the time you open your account

c.

an interest rate of 3.5 percent, with the bank giving you a $100 bonus to open your account

d.

an interest rate of 4.5 percent, with no processing fee and no bonus