XZYY, Inc. currently has an issue of bonds outstanding that will mature in 25 years. The bonds have a face value of $1,000 and a stated annual coupon rate of 12.0% with annual coupon payments. The bond is currently selling for $959. The bonds may be called in 4 years for 112.0% of the par value. What is your expected quoted annual rate of return if you buy the bonds and hold them until maturity?