The treasurer of Brandon Blue Sox is seeking a $$33,000$ loan for $180$ days from the Brandon Credit Union. The stated interest rate is $15$ percent and there is a $20$ percent compensating balance requirement. The treasurer always keeps a minimum of $$2\mathrm{.}800$ in the firm's chequing account. These funds could count toward meeting any compensating balance requirements.

What is the annual rate of interest on this loan? $($Use $365$ days in a year. Do not round intermediate calculations. Round the final answer to $2$ decimal places.$)$

Annual rate of interest