Wildhorseneeds to borrow $6million for an upgrade to its headquarters and manufacturing facility. Management has decided to borrow using a five-year term loan from its existing commercial bank. The prime rate is4percent, andWildhorse's current rating is prime +2.55percent. The yield on a five-year U.S. Treasury note is1.92percent, and the three-month U.S. Treasury bill rate is0.11percent. What is the estimated loan rate for the five-year bank loan?