Use the following information to answer questions $5$ and $6$: Assume a bank is in the process of restructuring a $$4$ million dollar non$-$amortizing loan that has a liquidation value of $$2\mathrm{.}5$ million dollars.

The terms of the restructured loan are as follows:

The interest rate on the new restructured loan will be $3\%$ over the next $5$ years.

Interest payments will be made at the end of each year for years $1$ through $5.$

There will be no principal payments in years $1$ and $2,$ but there will be a principal payment in year $3$ of $$1$M and in years $4$ and $5$ there will be principal payments of $$1\mathrm{.}5$M in each year. The principal payments will be made at the end of each year.

The cost of raising funds for the bank is $12\%$ Question $5$: What is the present value fo the restructured loan? Enter your answer to the whole number $($no decimals$)$ without the $ sign. Question $6$: Should the bank restructure the loan? Select either Yes or No$.$

Group of answer choices

Yes

No