A firm's bonds have a maturity of 20 years and a $1,000 face value. These bonds pay a semi-annual coupon rate of 5% and currently sell for $1,044.84. The bonds are callable in 5 years at a call price of $1,025.00. What is the yield to call (YTC) on these bonds? 2.22% 3.72% 4.44% 4.65% 6.66%