A lender has agreed to a $75,000,000, 30-year FRM at 5.5% interest rate. In addition to charging 1 discount point, the lender will also receive 40% 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 $80,000,000, and it is expected to increase at the inflation rate of 2.0%/yr. If the loan is expected to be prepaid in 10 years, what is the expected yield to the lender?