Matthew puts 10,000 into a bank account that has a provision that if a withdrawal happens during the first five and a half years a penalty of 5% of the withdrawal is made (the bank would be keeping the 5% penalty of the withdrawal made). If Matthew withdraws the amount of 979.93 from his account at the end of each of years 4,5,6, and 7, the balance in the account at the end of year ten is 10,000. Calculate the annual effective yield rate that Matthew would earn in that case.