A stock was trading at $21.55 at the end of year 1. It was trading at the end of year 2 at $21.88 immediately after giving a dividend of $0.28. At the end of year 3. it was trading at $21.24 immediately after giving a dividend of $0.30. Finally, it was trading at $23.06 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?