3) Instead of joining social security corporation an employee plans to make his own retirement savings, made an agreement with his bank to save JD100 every month out of his salary and to deposit that amount in a saving account, the bank manager presented an attractive offer, if the employee kept the money in the bank for 20 years he will give him an exceptional interest rate, for the first 5 years he will pay him 5.5%, for the second 5 years he will pay him 6,5%, and for the third 5 years he will pay him 7.5%, and for the last 5 years he will pay him 8.25%, what is the total savings for that employee after 20 years