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What is the future value of a five-year ordinary annuity of $1,000 per year if the interest rate is 9.54% ? Hint: solve for year 5. D Question 11 1 pts What is the present value of a perpetuity that offers to pay $100 next year and every year after the payment grows at 3%. Investments with similar risk are offering an 8% annual return. Question 12 1 pts Your bank is offering a certificate of deposit with an APR of 3.85% compounded monthly. What is the effective annual rate