Please help how to calculate this question

What is the effective or equivalent annual rate if the bank pays 6.5% nominal interest rate but compounds the money daily (use 365 days in a year)? Answer as a percent to the nearest hundredth .xx% You put aside $100,000 in year t = 0, and let it grow at 4.5% interest for 5 years. Exactly one year after that point, you start to withdraw your money for 4 years in equal amounts until it is exhausted. During the withdrawal period the money continues to grow at the same interest rate as before when you were not making withdrawals. How much can you withdraw per year? Answer to the nearest cent, XXX.Xx