E/ M N 0 Q R S T U V W B C D E F G H J K L 1 Interest Rate= 5.721% 2 3 You start with $10,000 in the bank at time zero. You add $2,000 to the account at the beginning of each year for 10 years starting today. 4. Including the initial sum in the bank, what is the present value and the future value of this cash flow stream? 5 (Hint: This is an annuity and lump sum cash flow problem rolled into one.) 6 7 PV= $25,770.11 8 FV= ???? 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 22