Calculate the accumulated amount at the end of 19 years of the following regular series of payments made into a savings plan:

1877 pa paid monthly in advance in years 3 to 5 (inclusive) and then

986 pa paid 4-monthly in advance in years 13 to 19 (inclusive).

Consider that the fund in the savings plan accumulates compoundly at an effective rate of interest of 4.0% pa and that withdrawals from the fund are not possible during the term.