The assets of a company are worth 4000. Its expected continuously compounded rate of return amounts to 15% while the volatility of the companys assets is 33%. Two years ago, the corporation raised a loan at a bank, which was issued as a zero bond with a maturity of five years and a repayment of 2650. There is no further debt. The current term structure of (continuously compounded) interest rate is the following:

maturity	1 year	2 years	3 years	4 years	5 years
spot rate	2.59%	2.80%	3.00%	3.19%	3.37%

Calculate the credit spread.