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Your bank offers two types of deposit investments, each requiring a deposit of $10,000. The first one pays $11,271.60 after 2 years, and the second

Your bank offers two types of deposit investments, each requiring a deposit of $10,000. The first one pays $11,271.60 after 2 years, and the second one pays $12,139.47 after 3 years. Which one has the higher rate of return?

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