Five deposits of 100 are made into a fund at two-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 six years and at an annual effective rate of 5% thereafter. calculate the annual effective yield rate earned over the investment period ending at the end of the tenth year.

(a) 4.18%
(b) 4.40%
(c) 4.50%
(d) 4.58%
(e) 4.78%