A stock was trading at $123.45 at the end of year 1. It was trading at the end of year 2 at $116.75 immediately after giving a dividend of $4.70. At the end of year 3. it was trading at $126.95 immediately after giving a dividend of $4.90. Finally, it was trading at $137.05 at the end of year 4 without giving out any dividend. What was the arithmetic average annual return of this stock for the three years between years 1 and 4?