This is not a question , this is the answer of my one of the question , but this answer is in text, You need to convert this into your hand writing,

Hand writing should be very very clean please

Answer 1 Effective Semi annual rate = ((1+(APR/m))^(m/2))-1 = ((1+(5.14%/12)^(12/2))-1 =((1.004283333)^6)-1 =0.0259 or 2.6%