Please do it with steps, I do not want Excel answer.

(3) A bank makes a package of three loans to a small business. (a) $120,000 amortized monthly for ten years at a nominal discount rate of 6.8% convertible monthly. (b) $100,000 to be repaid by monthly sinking fund payments for ten years where interest is assessed at a rate of 5.4% nominal convertible monthly and the sinking fund earns 4% nominal interest convertible monthly. The bank receives the sinking fund deposits. (c) $200,000 to be repaid with interest at the end of ten years with an effective rate of discount of 8.2% throughout the ten years. Find the bank's annual effective yield on each of these loans individually and on the package of loans over the ten-year period