Carry Trade, Inc., borrows yen when the yen is trading at $\frac{130}{U}S$$$.$ If the nominal annual interest rate of the loan is $4\%$ and at the end of the year the yen trades at $\frac{150}{?}$ US $$,$ what is the effective annual interest rate of the loan?

The effective annual interest rate is $\%.($Round to two decimal places. Enter a negative number for a depreciation of the yen.$)$