A stock was trading at $125.10 at the end of year one. It was trading at the end of year two at $118.40 immediately after giving a dividend of $5.00. At the end of year three. it was trading at $128.60 immediately after giving a dividend of $5.20. Finally, it was trading at $138.70 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?