EX 4.3:

Kym plans to deposit $180 in an account at the end of each month for the next three (3) years so she can take a trip.

1. If Kym's opportunity cost is 9 percent compounded monthly, how much will she have in the account in three years? Do not round intermediate calculations. Round your answer to the nearest cent.
   $

2. How much will be in the account if the deposits are made at the beginning of each month? Do not round intermediate calculations. Round your answer to the nearest cent.
   $