Monash Bank is charging a $8\mathrm{.}2$ percent interest rate on a $$4400000$ loan. The bank also charged $$100000$ in fees to originate the loan. The bank has a cost of funds of $3\mathrm{.}8$ percent. The borrower has a $4\mathrm{.}1$ percent chance of default, and if default occurs, the bank expects to recover $80$ percent of the principal and interest. What is the expected return on the loan using the Moody's Analytics model?

a$.$

$3\mathrm{.}39\%$

b$.$

$9\mathrm{.}65\%$

c$.$

$6\mathrm{.}15\%$

d$.$

$5\mathrm{.}85\%$

e$\mathrm{.}7\mathrm{.}19\%$