TBTF Bank makes a $13$ year interest only loan to AFC Inc of $$4,200,000\mathrm{.}00.$ The interest rate on the loan is i$(26)=9\mathrm{.}625\%,$ and the payments will be made monthly. TBTF reinvests the payments at an interest rate of i$(2)=7\mathrm{.}625\%.$ At maturity, what is TBTF Bank's annual ROI over the lifetime of the loan? $($AFC does not default.$)$