A stock was trading at $22.30 at the end of year 1. It was trading at the end of year 2 at $22.63 immediately after giving a dividend of $0.33. At the end of year 3. it was trading at $21.99 immediately after giving a dividend of $0.35. Finally, it was trading at $23.81 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?