Question 22 Citibank is willing to lend you $50,000 for one year at an APR of 22\%, compounded dafly, over a 360% davyeat. Wells Fargo bank is willing to lend you the same amount for the same duration, at an APR of O Citbanks effective annual rate is O.12\% lower than that of Wells Farso O Wells Fargos effective annual rate is Q:10\% higher than that of cltbank The Citibank loan should be chosen es is has a lower APR and both banks have the same effective annusf fate O Wells Pargo's effective annual rate is 0.10% lower than that of Citbank Citbankis effective annual rate is 0.12% higher than that of Wells Fargo