1 An ATM with a service fee of $4 is used by a person 200 times in a year. What would be the future value in 5 years (use a 5 percent rate) of the annual amount paid in ATM fees? Use Exhibit 1-B.

2 Janie has a joint account with her mother with a balance of $571,000. Based on $250,000 of Federal Deposit Insurance Corporation coverage, what amount of Janies savings would not be covered by deposit insurance?