A stock was trading at $22.75 at the end of year 1. It was trading at the end of year 2 at $23.08 immediately after giving a dividend of $0.36. At the end of year 3. it was trading at $22.44 immediately after giving a dividend of $0.38. Finally, it was trading at $24.26 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?