Earl miller deposited $25,000 at y bank at an interest rate of 12% compounded quarterly. (use the tables in the handbook.) the effective rate (apy) is:

You can look up tables from the handbook that you have.
However, since all tables are made from formulas, we can do the calculations here:
Effective rate is the actual rate for one year, split into the 4 compounding periods.  APR (Annual percentage rate) = 12%.   The interest rate per period is 12%/4=3%
Total interest after 4 periods, using the compound interest formula:
APY(annual percentage yield)=(1+0.03)^4-1=1.12550881-1=12.55%

The correct answer will be d. -4