As a banker, you try to evaluate the credit risk of a $$10$ million loan requested by National Bull Riders $($NBR$)$ which has a BB credit rating. The duration of the loan is $4$ years. The ${99}^{th}$ percentile increase in risk premium for BB$-$rated bonds is estimated to be $5\mathrm{.}5\%,$ and the current average interest rate for BB$-$rated bonds is $12\%.$ Your bank charges $0\mathrm{.}4\%$ for the fees and the spread over the cost of funds to the bank is $1\%.$ What is the expected income on the NBR loan for the current year?

A$.$ $$1,200,000$

B$.$ $$140,000$

C$.$ $$40,000$

D$.$ $$100,000$