A twenty$-$year loan of $$24,000$ is negotiated with the borrower agreeing to repay principal and interest at $3\%.$ A level payment of $$1,500$ will apply during the first ten years, and a higher level payment will apply over the remaining ten years. Each time the lender receives a payment from the borrower, he will deposit the portion representing principal into a sinking fund with an annual effective interest rate of $2\%.($This is the amount for replacement of capital.$)$ What is the lender's yield rate on this entire investment? $($Round your answer to three decimal places.$)$ CORRECT Answer: $2\mathrm{.}632\%$