As you have invested in an investment, you will receive the following payments: end of the first and second year, RM2,000 per year; end of the third and fourth year, RM3,000 per year; then from the end of the fifth through the end of the ninth year, you will receive an annuity of RM4,000 per year. At a discount rate of 10 percent, what is the present value of all these future benefits?