You work for Friendly Bank and Loan. A customer with a $10,000 loan at an 4.00% annual effective interest rate being repaid in 10 equal annual installments stopped in with a request. The customer has made the first 4 payments on time and the 5th payment is due today. He wants to end the loan early by paying $6,500 today. What would the bank's annual yield be on this loan if you accept the $6,500 payment today as paying off the loan in full? 3.45% 3.50% 3.55% 3.60%