The only thing I want to learn are the step by step of what to punch in the calculator HP10BII+ financial calculator, I'm trying to learn what to punch in the financial calculator.

After examining the various personal loan rates available to you, you find that you can borrow funds from a finance company at 12 percent compounded monthly or from a bank at 13 percent compounded annually. Which alternative is more attractive?

**I know the answer, I need to learn what to punch on the finance calculator to do it, thank you!"***