A stock was trading at $20.95 at the end of year 1. It was trading at the end of year 2 at $21.28 immediately after giving a dividend of $0.24. At the end of year 3. it was trading at $20.64 immediately after giving a dividend of $0.26. Finally, it was trading at $22.46 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?