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Annual deposits of$200 are made at the end of each year for 16 years. Find the AV of this annuity at the end of 16

Annual deposits of$200 are made at the end of each year for 16 years. Find the AV of this annuity at the end of 16 years if the effective annual rate of interest is 6% for the first 4 years and 4% for the last 12 years.

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