Your friend is starting a new pizza restaurant. He promises taht you will make so much money. He is asking for $450,000 today and will be able to pay you $150,000, $55,000, $100,000, $55,000, and $50,000 over the next 5 years. What will be your annual return on this investment?

a. -3.6% b. 1.2% c. -15.3% d. 4.5%