The first$-$year one$-$year interest rate is $1\mathrm{.}18\%,$ the second$-$year $($also one$-$year$)$ interest rate is $2\mathrm{.}4\%,$ the third$-$year $($also one$-$year$)$ interest rate is $2\mathrm{.}62\%,$ and the fourth$-$year $($also one$-$year$)$ interest rate is $3\mathrm{.}39\%.$ What is the four$-$year total holding interest rate if you reversed the sequence of rates $($highest in year $1,$ lowest in year $4)?$