A pension fund's equity analyst is assessing a potential investment in stock BBZ by using an internal three-factor model. This model evaluates stock performances based on three distinct market factors, each represented by an Exchange Traded Fund (ETF). Each factor in the model is represented by an ETF that has a factor beta of 1 for its own factor and 0 for the other factors. The table below provides the necessary data for the analysis:

Factor	P	Q	R
Expected annual return of ETF factor	5.40%	6.80%	3.00%
Factor beta for stock BBZ	0.95	-0.40	1.20

Considering the details provided, the annualized risk-free rate is 2.10%, and stock BBZ has an alpha of 0.50%. Using the given internal model, calculate the anticipated annual return on stock BBZ.