Find the net single premium for a 5-year term insurance policy of face value $10,000 for a female now aged 50, if r^(1) = 7%. On his 60th birthday, Joe inherits $3,000 from his aunt, and he uses it to buy a whole life annuity at r^(1) = 4%, with the first payment is to be at age 96. What is annual payment amount of the annuity