Suppose that the one year spot rate (current one year rate) is 1.94% and expected one year T-note rates over the following two years (years 2 and 3) are 3.00% and 3.74%. Additionally, if investors in the market charge a liquidity premium on longer terms which for years 2 and 3 are 0.10% and 0.20%. What would be the current rate for a three-year maturity security as per the liquidity premium theory