Tom enters into a four-year interest rate swap where the floating rate resets annually. The notional amount of the swap is 100100 the first year, 150150 the second year, 250250 the third year, and 300300 the fourth year. Determine the swap interest rate given the following spot rates:

Time	Spot Rate
11	3.0% 3.0%
22	3.5% 3.5%
33	4.0% 4.0%
44	4.5% 4.5%