Fama-French Three-Factor Model

An analyst has modeled the stock of a company using a Fama-French three-factor model. The risk-free rate is 5%, the market return is 9%, the return on the SMB portfolio (r_SMB) is 2.9%, and the return on the HML portfolio (r_HML) is 4.5%. If a_i = 0, b_i = 1.2, c_i = - 0.4, and d_i = 1.3, what is the stock's predicted return? Round your answer to two decimal places.