Borrower Xi wishes to buy a home using a fixed rate constant payment mortgage (CPM) that will be fully amortized over 25 years through monthly payments of $6,095.07. The competitively quoted fixed mortgage rate is 10.50% with a 2.6500 (%) discount points and 2.8400% prepayment penalty. The lender expects borrower Xi to prepay the loan after three years. If the lender wishes to attain an effective or All-In yield of 12.68% on this loan, what prepayment penalty (percent, rounded to four decimal places) should the lender charge? [Round the monthly interest rates in decimal to six decimal places, the monthly payments to two decimal places, the loan balances to zero decimal places. % All-In Cost or Yield to two decimal places]