determine the future value if deposits are made into an account paying annual interest of 5%, assuming that no withdrawals are made during the period and that the deposits are made (15 points) a. At the end of each year b. At the beginning of each year Cash Flows Year A B B 1 850 5,000 1,000 2 1,300 10,000 1,900 3 1,500 15,000 -2,000 4 20,000 1,000 5 25,000 1,500 NPV OA NPV AD FV OA FV AD