You purchased a 4-year annual-interest coupon bond two years ago. Its coupon interest rate was 5.0%, and its par value was $1,000. At the time you purchased the bond, the yield to maturity was 3.0%. If you sold the bond after receiving the second interest payment and the bond's yield to maturity had changed to 4.0%, calculate your effective annual rate of return on holding the bond for that period. Assume that during the holding period, you could have reinvested coupons received at a rate of 3.0% per annum. Show all your calculations.