3 Fahrin plans to withdraw his money RM 10,000 each year from his savings account at the end of year 10 and Year 11. To make sure these withdrawals are possible, FOUR (4) annuity amounts (A) will be deposited in a bank at the end of year 2, 3, 4, and 5. The bank's interest rate is 12% per year. (a) Draw a cash-flow diagram for this situation (b) Determine the value of the annual amount (A) at the end of year 2, 3, 4 and 5 that should be deposited to withdraw the money at the end of year 10 and year 11 as stated