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10000\left(1+\frac{0}{365}\right)^{-365\times 20}
Multiply 0 and 9 to get 0.
10000\left(1+0\right)^{-365\times 20}
Zero divided by any non-zero number gives zero.
10000\times 1^{-365\times 20}
Add 1 and 0 to get 1.
10000\times 1^{-7300}
Multiply -365 and 20 to get -7300.
10000\times 1
Calculate 1 to the power of -7300 and get 1.
10000
Multiply 10000 and 1 to get 10000.