Answer:
Account B
Value=$21,589.66
Step-by-step explanation:
#We determine the compounded amount after 10 years for each account using the formula:

#For account A:
Given principal is $16,000, i=3% and n=10, m=4:

#For account B:
Given principal is $16,000, i=3% and n=10, m=12:

We compare the amounts after 10 years and get the difference:

Hence, account B has the most value after 10 years and has a value of $21,589.66