You plan to purchase a car. The dealer is offering special financing at an annual percentage rate $($APR$)$ of $9\mathrm{.}5$ percent for $100$ percent of the car value. The inflation premium is $3\mathrm{.}5$ percent. If the pure rate in the market is $3$ percent, what is the risk premium? $($Please using the exact, multiplicative formulation for interest rates.$)$