Question IV: Loan Commitments $(20$ points$)$ Suburb Bank has issued a one$-$year loan commitment of $\backslash (\backslash$$ $10,000,000\backslash )$ for an up$-$front fee of $50$ basis points. The back$-$end fee on the unused portion of the commitment is $20$ basis points. The bank requires a compensating balance of $10$ percent to be placed in demand deposits, has a cost of funds of $7$ percent, will charge an interest rate on the loan of $9$ percent, and must maintain reserve requirements on demand deposits of $10$ percent. The customer is expected to draw down $60$ percent of the commitment. What is the expected return on this loan at the year$-$end $($that is when the loan is due$)$ if the draw$-$down on the commitment occurs when the commitment is negotiated?