Use formula to solve this problem (No Excel Please)

Five deposits of 400 are made into a fund at 2-year intervals with the first deposit at the beginning of the first year. The fund earns interest at an annual effective rate of 4% during the first four years and at an annual effective rate of 3% after that. There are additional deposits of 500 at 11 and 600 at 12 Find the accumulated value of the fund at t=15 yrs. A The awer does not appear 403256 6.3710.10 D. 1218.30 E. 304.02