Consider an $11-$year, quarterly$-$pay $4\mathrm{.}62\%$ bond trading at $103$ on January $1,2013.$ The bond is callable according to

the following schedule:

Callable at $104$ on or after January $1,2016.$

Callable at $102$ on or after January $1,2020.$

The yield$-$to$-$worst $($YTW$)$ is closest to