Student 3 is correct. This is because you can distribute 3. You would do 3x6m, or 18m, and you can do 3x3, or 9. This means that Student 3 is correct. Since m is not defined as an integer, it can’t be any of the other choices.
100×(1+0.11÷2)^(2×5)
=170.81
100×e^(0.108×5)
=171.60
So she should choose the account which pays the interest continuously