A share of stock just recently released a dividend for $2.48 per share, and has expected growth rate of 2.60% in the next year, 3.50% in the second year, 3.20% in the third year and 3.50% in the fourth year. The firms price is currently $26.35 what is the terminal growth rate in year 5 and after that the market is pricing in for the firm given that the expected discount rate on this stock is 13.90%.