Question 12 4.5 pts What is the annual percentage rate (APR) on a loan with a stated rate of 3.9 percent per quarter? (round answer to whole number as a percentage, with two decimal points:.e., use 1.23 percent instead of 0.0123) Question 14 4.5 pts Your credit card company quotes you a stated rate (APR) of 16.7percent, for which interest is billed monthly What is the actual rate of interest (EAR) that you are paying? (round answer to whole number as a percentage, with two decimal points: i.e., use 1.23 percent instead of 0.0123)