Three years ago, you invested in the Future Investco Mutual Fund by purchasing 1000 shares at the NAV of $20.00. Because you did not need the income, you decided to reinvest the money all dividend and capital gain 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, assuming you purchased the same number of shares, what would your rate of return be?