You have found three investment choices for a one-year deposit: 10.5% APR compounded monthly, 10.5% APR compounded annually, and 9.9% 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.) %. (Round to three decimal The EAR for the first investment choice is places.)