An investment bank is intent to make an investment of $10,200, that can produce an annual revenue of $3,310 for five years and have a market (recovery) value of $200 at end of year nine. Annual expenses will be $1,000 at the end of each year for operating and maintaining the project. There will be a dividend of 0.2% of initial investment each year.

At the return rate of 7%, what is the sum of Present Value Factor ?