An investor in Canada bought a one-year New Zealand security valued at 120,000 New Zealand dollars. The Canadian dollar equivalent was $100,0000, The New Zealand security earned 8% during the year, but the New Zealand dollar depreciated 3 cents against the Canadian dollar during the time period (0.8333/NZD to $0.8033/NZD). After transferring the funds back to Canada, what was the investors return on her $100,000?

Please, explain the answer.