A bond has a maturity of 3 years and a coupon of 4.24%. The price is 100.19. The six month T-bill rate is 3.80%. The one year T-bill rate is 3.86%. The rate for discounting a 1.5 year zero is 3.97%. The 2.5 year spot rate is 4.14% and the three year spot rate is 4.18. What is the two year spot rate? (round to the nearest hundredth)