You go to two differen banks to borrow $10,000 for one year. Each says it will lend you the money at 10 percent, but their terms differ as follows:

Bank A: Simple Interest

Bank B: Discounted interest

Bank A and B require a single payment at the end of the year. Using the above information what is the effective annual rate for Bank A, the effective annual rate for Bank B, and what would be the effective annual rare for Bank A if there is $200 loan fee