You have found three investment choices for a one-year deposit: 10.2% APR compounded monthly, 10.2% APR compounded annually, and 9.3% APR compounded daily. Compute the EAR for each investment choice. (Assume that there are 365 days in the year.) (Note: Be careful not to round any intermediate steps less than six decimal places.) The EAR for the first investment choice is \%. (Round to two decimal places.)