You borrow $6,000,000 to finance the purchase of a small retail shopping center. The bank provide you with a 12 year mortgage loan with 25 year amortization. The interest rate on the loan is 5.50%. The bank charges an origination fee of $12,000 plus 2.5 points at the closing of the loan. Additionally, the bank charges a 3 point prepayment penalty. If the other costs associated with borrowing this money (i.e. attorney fees, survey, title insurance, etc.) total $25,000 and are paid at closing. 

What is the yield to the lender if this loan is prepaid after 7 years?