XYZ Corporation issued $500 million in debentures in 2002 at par. The debentures carry a coupon rate of 3.5% and mature on 12/15/2020. The debentures are presently priced at 104 7/8. What is the Yield to Matureity as of today's date? Now assume the debentures are callable on 12/15/2013 @ 101. What is the Yield to Call?