3. The following table shows the cash flows of the investment in a financial product XYZ: Year 0 Cash Flow (S) -150,000 1 72,000 3 82,000 10,500 5 Suppose that the annual interest rate of the investment is 4.0% p.a. compounded half-yearly. (a) Compute the Net Present Value (NPV) of the above cash flows. (Correct to the nearest dollar) 8 marks (b) Based on the result in part (a), justify whether the investment is profitable or not. 2 marks