You are considering the purchase of a two$-$year certificate of deposit with the $$100,000$ you recently inherited. The CD will be held to maturity. First Imperial Bank is currently paying $4\mathrm{.}8$ percent interest compounded monthly. Ace Bank pays $4\mathrm{.}5$ percent, compounded quarterly. Based on an analysis of the effective annual return earned on these two different investments, you conclude that: