Sergon has $5000 to invest for 6 months. The rates offered on 3-month and 6-month term deposits at his bank are 3.5% and 3.8%, respectively. He is truing to choose between the 6-month term deposit and two consecutive 3-month term deposits. What would the simple interest rate on 3-month term deposits have to be, 3 months from now, for Sergon to end up in the same financial position with either alternative? Assume that he would place both the principal and the interest from the first 3-month term deposit in the second 3-month term deposit.