A stock was trading at $20.50 at the end of year 1. It was trading at the end of year 2 at $20.83 immediately after giving a dividend of $0.21. At the end of year 3. it was trading at $20.19 immediately after giving a dividend of $0.23. Finally, it was trading at $22.01 at the end of year 4 without giving out any dividend. What was the geometric average annual return of this stock for the three years between years 1 and 4?