3. An individual deposits an equal amount in a bank saving account every year for 10 years. He then withdraws this money in semiannual amounts of $1000 starting from the end of the first half of year 11 until the end of year 15. The nominal interest rate for the first 5 years is 5% compounded annually. For year 6 until year 15, the nominal interest rate is 4% compounded semiannually. Calculate the annual equal amounts of deposits