Three years ago, you invested in the Future Investco Mutual Fund by purchasing 1,000 shares of the fund at the price of $20.00 per share. Because you did not need the income, you elected to reinvest all dividends and capital gains distributions. Today, you sell your 1,100 shares in this fund for $22.91 per share. If there were a 3% load on this fund, what would your rate of return be?