$1$ Ann got a $10$ year Fixed Rate Mortgage for $$100,000.$

The loan has constant annual payments and an annual interest rate of $5\%.$

There are no closing costs.

Suppose Ann prepays the loan in year $4.$

Write the NPV of Ann$$s Mortgage $($from Ann$$s perspective$)$ for an annual discount rate $"$k$"$ in each of the following cases.

Note: the answer must take the form NPV$($k$)=$CF$\_0+($CF$\_1)/(1+$k$)^1+($CF$\_2)/(1+$k$)^2+($CF$\_3)/(1+$k$)^3+($CF$\_4)/(1+$k$)^4$

Note: only include one cash$-$flow for each time period

$1$a Fully Amortizing Please explain the question in excel formatting, not calculations. Image provided is inputted cash flows already.