A bank is considering offering a loan of $$100,000$ to a client. If the loan is not offered, then the bank invests the $$100,000$ receives a sure payoff from the investment of $$200($i$.$e$.,$ receives $$100,200$ at the end of the year$).$ Prior to a decision of whether or not to offer the loan, the bank can run a credit analysis on the client that returns one of two possible predictions: $(1)$ the client will default on the loan in which case the bank would lose $$100,000,(2)$ the client will pay back the loan with interest in which case the bank receives a payoff of $$6,000($i$.$e$.,$ receives $$106,000$ at the end of the year$).$ The bank understands that he probability that the credit analysis will return the first prediction $($client defaults$)$ is $2\%.$ Furthermore, the accuracy of the $$default$$ prediction and the $$no default$$ prediction are both $80\%($either prediction is accurate $80\%$ of the time$).$ What is the EVI?

Group of answer choices

$2,300$

$-5,321$

$200$

$100,000$

$0$