Two stock options are available for buying. Each offers a variable rate of return of profit over a period of 10 years. For first 4 years one has an incremental rate of return which increases by 2% per year starting from 3% of the investment and stays constant at 8% for the rest of the period. The second one has a constant annual rate of return throughout and give 10% more return after 10 years. What is the annual rate of return on second option?