Convert the semi annual rate into effective annaul year as we're counting to years

Emily has borrowed \\( \\$ 1000000 \\) from MQ Bank for 10 years at an interest rate of \j2=3.7 p.a. She will make 10 annual repayments. According to the loan agreement, Emily's repayments will be \\( \\$ 94000 \\) for the first two years followed by payments of \\( X \\) per year for the remaining eight years. This loan needs to be fully repaid by the end of 10 years. (a) Assume that all annual repayments will be paid at the end of each year (the first payment will be at the end of the first year), what is the value of Emily's annual payment amount, \\( X \\) (rounded to four decimal places)? a. 129945.0469 b. 129660.9987 c. 120573.4950 d. 120757.9125