Can somebody explain why the answer is 3.79?

Question 5 (5 points) Tara purchases a 10-year, 5 percent savings bond with a face value of $10,000 at a premium price of $11,000. She gets the 5 percent dividend paid yearly beginning one year from now. Use the excel RATE function to determine the rate of return on the bond if the bond is kept till maturity. a) 3.78% Ob) 3.79% OC) 4.62% d) 2.38%