You have approached two banks for a personal loan of $$6,000.$ ABC Bank has offered to lend at $10\mathrm{.}25\%$ compounded monthly; while CMO Bank has offered to lend at $10\mathrm{.}50\%$ compounded semi$-$annually. You should borrow from $\_\_\_\_\_$ because its EAR is lower at $\_\_\_\_\_.$

Question $5$ options:

ABC; $10\mathrm{.}82\%$

ABC; $10\mathrm{.}75\%$

CMO; $10\mathrm{.}78\%$

CMO; $10\mathrm{.}55\%$

ABC; $10\mathrm{.}30\%$