Uncle Li deposits 1,000 yuan in the bank, and deposits and withdraws in lump sums for three years. When it matures, he gets a total of 1,118.8 yuan in principal and interest. What is the annual interest rate in lump sum deposits and withdrawals for three years?
李大叔将1000元钱存入银行，整存整取三年，到期时，取得本金和利息共1118.8元，三年期整存整取的年利率是多少？
<gadget id="calculator">1_118.8 - 1_000</gadget>
<output>118.8</output>

<gadget id="calculator">118.8 / 1_000 / 3</gadget>
<output>0.0396</output>

<result>0.0396</result>