You have just deposited $$9,500$ into an account that promises to pay you an annual interest rate of $6\mathrm{.}2$ percent each year for the next $8$ years. You will leave the money invested in the account and $20$ years from today, you need to have $$27,940$ in the account. What annual interest rate must you earn over the last $12$ years to accomplish this goal? $($Assume annual compounding.$)$