please solve problem 5 clearly and analytically not on excel and take clear photo of solution showing all steps and explain if needed

5. Compute the (end-of-year) annual uniform series equivalent for the following cash flows, where the interest rate is 12% before year 4 and 16% between year 4 and year 8, and 20% between year 8 and 10, all of them compounded quarterly. CASH FLOW TIME 0 1 2 3 4 5 6 7 8 9 10 4500 4500 4500 4500 4500 5000 4800 4600 4400 4200 4000