You have purchased an investment property using debt at the following terms: loan amount = $1,000,000; interest rate = 5.25% per year; payment frequency = annual, end of year; amortization term = 20 years; maturity = 5 years. The loan includes a conversion option that allows the lender to accept 55% of the property value at the end of year 5 in lieu of the remaining loan balance. Assuming you sell the property at the end of year 5 for $1,800,000 and the lender elects to excercise the conversion option, what is the lender's yield for this loan? (Answer in percentage points rounded to two decimal points, e.g., for 3.35% you should enter 3.25, not 0.0325.)