James intends to accumulate RM 20000 in total at the end of year 5. He plans to make a series of level deposits of RM x into a Fund A at the end of each year to meet his goal. Fund A earns 4.5% annual effective rate of interest. The interest of Fund A, however, will be credited into another account at the end of each receiving year, and earns 3% effective interest rate.

Find the amount RM x.