Answer:
EAR for First national Bank =  13.92 % 
EAR for First United Bank = 13.85 % 
Explanation:
given data 
First National Bank charges =  13.1 percent
compounded monthly , 1 year = 12 month 
First United Bank charges = 13.4 percent
compounded semiannually , 1 year = 2 semiannually
solution
we get here first EAR for First national Bank that is express as
EAR for First national Bank =  .....................1
 .....................1
here r is rate and n is month
so put here value 
EAR for First national Bank =   
 
EAR for First national Bank =  13.92 % 
and 
EAR for First United Bank   is
EAR for First United Bank =  ..................2
   ..................2
here r is rate and n is semi annually 
EAR for First United Bank = 
EAR for First United Bank = 13.85 % 
here First United bank EAR is less