Because the fixed interest rate of 1 year is 3.25%, after the first year, the total principal and interest of Party A is =2000*( 1+3.25%)=2065 yuan, and if Party A keeps this money for another year, the total principal and interest of Party A will be = 2065 * (1) after the second year.

Look at B's payoffs.

If Party B directly deposits for two years, after two years, the total principal and interest of Party B will be = 2000 * (1+2 * 3.75%) = 2150 yuan.

So Yiduo.