A 3-year corporate bond is issued on 1/5/19 with a face value of $100 and a coupon of 3% pa (paid semi-annually with coupons paid on April 30 and October 31). On 5/7/19 Hannah buys this bond at a yield of 3% pa and she sells it on 24/8/19 at a yield of 2% pa. What has her annual return been?