You are an exporter in possession of Banker's Acceptance (B/A) with the following two choices: i) Hold the instrument until maturity and collect payment at that time; or ii) Discount the B/A with the importer's bank and collect payment today. Furthermore, assume the face amount of the B/A is 10,000,000 USD, the acceptance commission is 2%, and the instrument's time to maturity is 90 days. What discount rate would make the exporter indifferent between holding the B/A to maturity and discounting it with the importer's bank? Are there any other factors you would consider? Note: for calculation purposes you can assume a banker's year (360 days). Show and explain any intermediary calculations. Also interpret and explain your conclusion intuitively. Hint: your final answer will involve a variable. However, afterwards, you may assume a reasonable value for that variable to write a numerical conclusion