You intend to purchase one of these vehicles e for exactly $10,000. You have four different loans available to you, and you want to select the best deal. This final loan, offered by Parker Bank and Trust is not revealing all of the loan details. However, they guarantee that once you include the fees, the annual cost of this loan is 2.00% of the outstanding balance. What is the effective annual rate for the Parker Bank and Trust loan? (answer in percent, rounded to the second decimal. For example, if your answer was 11.234% you should enter 11.23 as your answer)