$5)$ Travis$$ Fauxstaches is considering a loan from Dalton Bank. The loan amount would be for $$95,000.$ It would be for $9$ months, and have an interest rate of $13\%.$ Dalton bank wants the loan to be discounted and also have a compensating balance of $15\%$ of the loan amount. Travis$$ Fauxstaches keeps an existing balance in its account of $$2,500$ that can be counted toward the compensating balance. What is the effective rate on this loan?