Sheryl Tran pays $245 at the end of each month for ten years in order to repay a loan of $22,000. The lender makes level deposits to a sinking fund account that is held by a third party and that pays an annual effective interest rate of 3% during the first four years and a nominal monthly discount rate of 4% thereafter. Find the difference between the annual effective interest rate charged to Ms. Tran and the lender's annual yield.

Answer: .97384%