Western Union has grated GAMING Ltd a line of credit that allows it to borrow up to $63 million at any time. The interest rate is .42% per month. But GAMING Ltd is required to have 4.5% of the borrowed amount deposited in a non-interest-bearing account. Assume the bank uses compound interest on its line of credit loans. Show you work on the following: What is the effective annual interest rate on this lending arrangement? (10pts) Suppose GAMING Ltd need $12 million today and repay it in six months. How much interest will it pay? (10 pts)