You observe the following yields for default-free zero-coupon bonds: T OYT 1 3.00% 2 4.00% 3 5.00% 4 6.00% Assume you buy a four-year zero-coupon bond today. What is your expected annual return for holding the bond for two years in two years, this will be a 2-year bond), if you assume that the yield curve in two years will be the same as today's yield curve? Please provide your estimated annual return to the level of a basis point(e.g.4.01%)