XYZ stock price and dividend history are as follows:

Year Beginning-of-year Price Dividend paid at Year-End

2010 $100 $4

2011 $110 $2

2012 $90 $3

2013 $95 $1

Compute the arithmetic average rate of return & geometric average rate of return for the period from the beginning of 2010 to the end of 2012? Your answer should be in percentages and accurate to the hundredths.