A borrower has a one$-$year adjustable rate mortgage. The start rate is $2\mathrm{.}35\%,$ and the margin is $3\mathrm{.}10\%.$ The index is the One Year Treasury Constant Maturity $($TCM$),$ whose index was $1\mathrm{.}25\%$ when the loan closed. At the time of the first rate adjustment, the index is $3\mathrm{.}55\%.$ Calculate the fully indexed rate at the time of the first adjustment