$3.$ You have been approved for a $$37,500,000,30-$year FRM at $7\mathrm{.}5\%$ interest rate. In addition to charging $1$ discount point, the lender will also receive $30\%$ of any appreciation in the value of the property. The appreciation payment is due at the end of year $10.$ The current market value of the property is $$40,000,000,$ and it is expected to increase at the inflation rate of $2\mathrm{.}0\%/$yr$.$ If the loan is expected to be prepaid in $10$ years, what is the expected yield to the lender?