3. Gomnaru Insurance Company has developed an insurance product that permanently pays 10,000 insurance premiums to subscribers every year, when paying insurance premiums at the end of the year for 10 years, 10,000 won a year. However, insurance companies apply interest rates at which the profits from this product become zero. 1) Calculate the future value of the premium payment after 10 years. 2) Calculate the present value of the amount to be received by the policyholder 10 years later.3) What is the interest rate to be applied to this insurance product?