Your bank will lend you $10,400 for 30 days at a cost of $151 interest. a. What is your annual rate of interest? (Use 365 days in a yeac. Do not round intermedlate calculations. Round the final answer to 2 decimal places.) Annunl tate of interest. b. What is your effective annual rate? (Use 365 days in a year. Do not round intermediate calculations, Round the final answer to 2 decimal places.) Etfective annual rate