The total face value of Reliance Bank's portfolio of eight-year zero coupon bonds is $39 million. The current market yield on the bonds is 9.7 percent and the maximum potential adverse move in yields is estimated at 30 basis points. What is the DEAR of the bank's bond portfolio? (Please round your answer to two decimal places in terms of millions of dollars. Please do not show a $ sign or a minus sign in the answer (e.g. if the answer is $2.13 million, enter 2.13))