A 3-year corporate bond is issued on 1/1/17 with a face value of $100 and a coupon of 4% pa (paid semi-annually with coupons paid on June 30 and December 31). On 6/9/18 Hannah buys this bond at a yield of 5% pa and she sells it on 28/11/18 at a yield of 4% pa. What has her annual return been?