You are a lender and have offered a borrower a $400,000 30-year fixed-rate mortgage loan at 4.68% with monthly payments and fully amortize. The loan does not have any origination fees, but does have a 2% prepayment penalty during the loan's first 5 years. What is the ANNUAL PERCENTAGE RATE (APR) of the loan that you as the lender are required to disclose to the borrower at the time of origination given the borrower anticipate they will prepay the loan after exactly 46 payments? Please represent your answer as a percentage with two digits right of the decimal.