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 maturity (YTM) on these bonds? 2.33% 3.44% 4.50% 4.65% 4.78%