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A borcower and lender negotiate a $38,000,000 interest-only loan at a 6.0 percent interest rate for a term of 15 years. There is a lockout period of 10 years. Should the borrower choose to prepay this loan at any time after the end of the 10 th year, a yield maintenance fee (YMA) will be charged. The YMF will be calculated as follows: A treasury secunty with a maturity equal to the number of months remaining on the loan will be selected, to which a spread of 150 basis points (1.50\%) will be added to determine the lender's reinvestment rate. The penalty will be determined as the present value of the difference between the original loan rate and the lender's reinvestmont rate Required: a. How much will the YMF be if the loan is fopoid of the end of year if if two year treasury rates are 3 percentr if two year treasury rates are 5.0 percent, what will be the lender's reinvestment rate? Note: Do not round intermediate calculations, Round "YMF" to the nearest dollar amount. Enter "Reinvestment rate" as a percent rounded to 2 decimal places