John Hsu has invested in an annuity policy fund which requires him to place an annual deposit of RM10,000 for the next 20 years. During this period, an interest rate of 10% p.a. will be earned for the first 5 years, followed by an interest rate of 8% p.a. for the next 5 years and 6% p.a. for the remaining years. Compute the accumulated amount at the end of 20 years.

This question given 15 marks to score, please provide the working clearly and formula prefer to give in excel table for better understanding.