After visiting several automobile dealerships, Richard selects the used car he wants. He likes its $$10,000$ price, but financing through the dealer is no bargain. He has $$3,000$ cash for a down payment, so he needs an $$7,000$ loan. In shopping at several banks for an installment loan, he learns that interest on most automobile loans is quoted at add$-$on rates. That is$,$ during the life of the loan, interest is paid on the full amount borrowed even though a portion of the principal has been paid back. Richard borrows $$7,000$ for a period of four years at an add$-$on interest rate of $9$ percent. What is the annual percentage rate?