5. A treasurer at Bull Dog Inc. is evaluating the firm's disbursement policy. From his evaluation, it is determined that each check costs $1.00 to clear, while an ACH only costs $0.15. The firm's annual opportunity cost of funds is 4%. The treasurer estimates that it would cost about $200,000 to switch from a check-based disbursement system to an ACH-based disbursement system. Historically, the treasurer notes that the firm has averaged 20,000 disbursements per year. Using the information from above, calculate the NPV of switching to ACH. Assume that Bull Dog Inc. will remain a going concern in perpetuity