Which of the following statements are correct regarding Series EE savings bonds? I. Interest is accrued monthly and compounded semiannually. II. The minimum holding period is 3 months. III. A penalty of 3-months interest is applied to all bonds redeemed prior to maturity. IV. Bonds held to maturity are guaranteed to double in value regardless of the interest rate. II, III, and IV only I and IV only I and III only II and III only II and IV only