Dave borrowed $$1,150$ on January $1,2022,$ and paid it all back at once on December $31,2022.$ The bank charged him a $$4\mathrm{.}50$ service charge, and interest was $$98\mathrm{.}90.$

What was the APR?

Note: Do not round intermediate calculations. Enter your answer as a percent rounded to $2$ decimal places.

Annual percentage rate