Sedefler Corp. has a trade credit up to 10,000,000 at a bank. Today Sedefler wants to use a revolving loan of 6,000,000. The loan is for two months. Bank requires the opening of a checking account equal to 10% of the loan and charges an annual interest rate of 18% also deducting the due interest upfront (immediately). What is the real annual cost of that loan to Sedefler Inc.?