You purchased 2000 shares of the New Fund at a price of $25 per share at the beginning of the year. You paid a front-end load of 2%. The securities in which the fund invests increase in value by 10% during the first year, 5% in the second year and 9% in the third year. The fund's expense ratio is 1.5%. The back-end load is 2% What is your rate of return on the fund if you sell your shares in three years