Given the following data for a stock: risk$-$free rate $=3\%$; beta $($market$)=1\mathrm{.}2$; beta $($size$)=-1\mathrm{.}1$; beta $($book$-$to$-$market$)=0\mathrm{.}5$; market risk premium $=7\%$; size risk premium $=3\mathrm{.}7\%$; and book$-$to$-$market risk premium $=5\mathrm{.}2\%.$ Calculate the expected return on the stock using the Fama$-$French three$-$factor model.