Ann is looking for a fully amortizing 30 year Fixed Rate Mortgage with monthly payments for $4,500,000. She takes a mortgage with 4.38% interest rate that requires Ann to pay 2 points upfront. Assuming Ann makes payments for 30 years, what is Ann's annualized IRR'? Write your answer as a percent rounded to two decimal points without the % sign (eg. if you get 5.634539%, write 5.65)