The table below shows the mortgage interest rates from three local banks. Calculate the effective rates for these three mortgage rates. (Note: Enter your answers in percentage and round them up to two decimal points. Example: 0.010345 or 10.345% as 10.35)

Bank	Mortgage Interest Rate (%)	Number of Times Compounded	Effective Rate (%)
X	3.80	Quarterly
Y	3.73	Monthly
Z	3.56	Daily

Note: EAR = (1 + (APR / m))^m 1

Based on your calculation above, which bank would you go to for a mortgage? Enter your answer in . (Note: If your answer is Bank Z, just type Z).