EXHIBIT 10 Present Value of an Annuity of $1 at Compound Interest Periods 4% 1 2 3 4 5 69 7 6.00205 8 6.73274 9 10 7.43533 8.11090 7.91272 41% 5% 51% 6% 0.96154 0.95694 0.95238 0.94787 0.94340 1.88609 1.87267 1.85941 1.84632 1.83339 2.77509 2.74896 2.72325 2.69793 2.67301 3.62990 3.58753 3.54595 3.50515 3.46511 4.45182 4.38998 4.32948 4.27028 4.21236 5.24214 5.15787 5.07569 4.99553 4.91732 5.89270 5.78637 5.68297 5.58238 6.59589 6.46321 6.33457 7.26879 7.10782 6.20979 6.95220 7.72173 7.53763 6.80169 7.36009 61% 7% 10% 11% 12% 13% 0.93897 0.93458 0.90909 0.90090 0.89286 0.88496 1.82063 1.80802 1.73554 1.71252 1.69005 1.66810 2.64848 2.62432 2.48685 2.44371 2.40183 2.36115 3.42580 3.38721 3.16987 3.10245 3.03735 2.97447 4.15568 4.10020 3.79079 3.69590 4.84101 4.76654 4.35526 4.23054 5.48452 5.38929 4.86842 4.71220 6.08875 5.97130 5.33493 5.14612 6.65610 6.51523 5.75902 5.53705 7.18883 7.02358 6.14457 5.88923 3.60478 4.11141 3.51723 3.99755 4.56376 4.42261 4.96764 4.79677 5.32825 5.13166 5.65022 5.42624