A ranch lend money amounted RM80,000 for a new cycle of livestock production. The bank agreed for 15 years' payback period. The last payment, 25% from the loan amount will be paid as a lump sum together with the yearly payment. Amortization factor is 0.10296 and interest rate is 6%. (i) Calculate the yearly payment and the last year payment. (5, 2 marks)