In 2 months, you expect to receive $105657 from your customers, which you will want to invest for 3 so that you can pay suppliers in 5 months. You want to invest in fixed income, but you do not know what rate of return you can achieve in 2 months. You can observe that the current rates of return for 2 months, and for5 months are5.67% and1.99%, respectively. You decide to use an over the counter instrument to lock in a rate of return. What annualized rate of return could you lock in for the investment in 2 months time?