Acturial Science: At the end of each year for 20 years, you make a deposit into a bank account which pays 3% annual effective interest. The deposit is $100 at the end of the first year, and increase by $100 each year. Starting in the 6th year (right after the 5th deposit), the bank raises the credited interest rate to 5% annual effective interest. The amount in your bank account immediately after the 20th deposit is $29,3350.23. Draw the Timeline.