hi – I am trying to calculate the spot rate on a treasury bill, can you help me

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hi – I am trying to calculate the spot rate on a treasury bill, can you help me understand the formula I should use?
You read in the Wall Street Journal (WSJ) that the spot rate on long-term Treasury bonds is 5 percent.  Your broker has given you the following estimates of current interest rate premiums:
Inflation premium                                                       2 percent
Maturity risk premium                                                3 percent
Default risk premium                                      4 percent
Based on these data, what is the spot rate on Treasury bills?

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