Lisa is considering another possible mortgage, arranged through a mortgage broker. It will also have a face value of $2,000,000 with a contract rate of j2 = 5.5%, 25-year amortization period, 3-year term, and monthly payments rounded up to the next higher $10. However, the mortgage broker will take a brokerage fee of 3% of the loan's face value, which will be deducted from the face value of the loan. What effective annual interest rate will Lisa be paying on the funds advanced, rounded to two decimal places?