Sue borrows $10,000 for a term of 10 years at an effective annual interest rate of 12%. At the end of each year sh e makes annual interest payments and accumulates the principal in two sinking funds. One third of her deposit is made to a sinking fund earning 10% annual interest. The remaining two thirds of her deposit is made to a sinking fund earning 8% interest. Determine Sues total annual payment.

Can someone please explain this step by step? This is what I have so far:

10, h = $10,000 n = 10 years I Payment = .12 (2)+D i = 12%. I 2 ... 9 10