EXHIBIT 13B-2 Present Value of an Annuity of $1 in Arrears (1 nn Periods 4% 5% 6% 7% 8% 99% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 21% 22% 23% 24% 25% 0.962 0.952 0.943 0.935 0.926 0.917 0.909 0.901 0.893 0.885 0.877 0.870 0.862 0.855 0.847 0.840 0.833 0.826 0.820 0.813 0.806 0.800 1.886 1.859 1.833 1.808 1.783 1.759 1.736 1.713 1.690 1.668 1.647 1.626 1.605 1.585 1.566 1.54 1.5 1 509 1.492 1.474 1.457 1.440 2.775 2.723 2.673 2.624 2.577 2.531 2.487 2.444 2.402 2.361 2.322 2.283 2.246 2.210 2.1 74 2. 140 2.106 2.0 74 2 042 2.011 1.981 1.952 3.630 3.546 3.465 3.387 3.312 3.240 3.1700 3.102 3.037 2.974 2.914 2.855 2.798 2.74 2.6 90 2.6 39 2.5 89 2.540 2 49 2. 448 2 404 2. 4.452 4.329 4.212 4.100 3.993 3.890 3.791 3.696 3.605 3.517 3.433 3.352 3.274 3.199 3. 227 3.058 2.991 2.926 2. 864 2. 80 2. 745 2.689 5.242 5.076 4.917 4.767 4.623 4.486 4.355 4.231 4.111 3.998 3.889 3.784 3.685 3.58 3.498 3 410 3.326 3.245 3.167 3.092 3.020 2.951 6.002 5.786 5.582 5.389 5.206 5.033 4.868 4,712 4.564 4.42 4.288 4. 160 4.039 3.922 3.812 3.706 3.605 3.508 3.416 3.3 27 3.242 3.1 61 6.733 6.463 6.210 5.971 5.747 5.535 5.335 5.146 4.968 4.799 4.639 4.487 4.344 4.207 4.0 78 3.954 3. 37 3.726 3.6 19 3 51 3, 21 3. 329 7.435 7.108 6.802 6.515 6.247 5.995 5.759 5.537 5.328 5.132 4.946 4.772 4.607 4.451 4.303 4. 16 4.0 3.905 3 86 3.673 3.566 3.463 7.722 7.360 7.024 6.710 6.418 6.145 5.889 5.650 5.426 5.216 5.019 4.833 4 659 4.494 4.339 4.192 4.054 3.923 3 799 3.682 3.571 10 8.760 8.306 7.887 7.499 7.139 6.805 6.495 6.207 5.938 5.687 5.453 5.234 5.029 4.836 4.656 4.486 4.3 27 4.177 4.035 3.902 3.776 3.656 9.385 8.863 8.384 7.943 7.536 7.161 6.814 6.492 6.194 5.918 5.660 5.421 5.197 4.988 4.79 4.6 4.439 4.2 78 4.127 3.985 3.851 3.725 9.986 9.394 8.853 8.358 7.904 7.487 7.103 6,750 6.424 6.122 5.842 5.583 5.3 42 5. 118 4.9 10 4.715 4.533 4.362 4.203 4.053 3.912 3.780 10.563 9.899 9.295 8.745 8.244 7.786 7.367 6.982 6.628 6.302 6.002 5.724 5.468 5.229 5.008 4.802 4.61 1 4.432 4.265 4. 108 3.96 3.824 11.118 10.380 9.712 9.108 8.559 8.061 7.606 7.191 6.811 6.462 6.142 5.847 5.575 5.324 5.092 4.876 4.675 4.489 4.315 4.153 4.001 3.859 11 12 13 14 15 16 11.652 10.838 10.106 9.447 8.851 8.313 7.824 7.379 6.974 6.604 6.265 5.954 5.668 5.405 5.162 4.938 4.730 4.536 4.357 4. 189 4.033 3.887 12.166 11.274 10.477 9.763 9.122 8.544 8.022 7.549 7.120 6.729 6.373 6.047 5.749 5.475 5.222 4.990 4. 775 4.576 4. 39 4. 19 4.059 3.910 12.659 11.690 10.828 10.059 9.372 8.756 8.201 7.702 7.250 6.840 6.467 6.128 5.818 5.53 5.27 5.0 3 4. 81 2 4 608 4.419 4.243 4.080 3.928 13.134 12.085 11.158 10.336 9.604 8.950 8.365 7.839 7.366 6.938 6.550 6. 198 5.877 5.584 5.3 16 5.070 4.84 4.6 35 4.4 4 263 4.097 3.942 13.590 12.462 11.470 10.594 9.818 9.129 8.514 7.963 7.469 7.025 6.623 6.259 5.929 5.6 28 5. 35 5. 101 4.870 4. 65 4. 460 4, 279 4, 10 3.95 17 18 19 21 14.029 12.821 11.764 10.836 10.017 9.292 8.649 8.075 7.562 7.102 6.687 6.312 5.973 5.665 5.384 5.127 4.891 4.675 4.476 4.292 4. 121 3.963 14.451 13.163 12.042 11.061 10.201 9.442 8.772 8.176 7.645 7.170 6.743 6.359 6.011 5.696 5.410 5.149 4.909 4 690 4. 88 4 302 4.130 3.970 14.857 13.489 12.303 11.272 10.371 9.580 8.883 8.266 7.718 7.230 6.792 6.399 6.044 5.723 5.432 5.167 4.925 4.70 4. 499 4. 31 4, 37 3. 976 15.247 13.799 12.550 11.469 10.529 9.707 8.985 8.348 7.784 7.283 6.835 6.434 6.073 5.746 5.451 5.182 4.937 4.7 13 4.507 4.318 4. 3.98 15.622 14.094 12.783 11.654 10.675 9.823 9.077 8.422 7.843 7.330 6.873 6.464 6.097 5.766 5.467 5. 195 4.94 4. 72 4 4. 323 4.1 3. 23 24 25 26 15.983 14.375 13.003 11.826 10.810 9.929 9.161 8.488 7.896 7.372 6.906 6.491 6.118 5.783 5.480 5.206 4.956 4.728 4. 20 4.3 28 4.15 3.9 16.330 14.643 13.211 11.987 10.935 10.027 9.237 8.548 7. 943 7.40 6.935 6.514 6. 36 5. 5. 92 5.215 4.964 4.734 4524 4.332 4.154 3.990 16.663 14.898 13.406 12.137 11.051 10.116 9. 307 8.602 7.984 7.441 6.961 6.534 6.152 5.810 5.502 5.22 4.970 4 739 4.528 4.335 4.157 3.992 16.984 15.141 13.591 12.278 11.158 10. 198 9.370 8.650 8.022 7.470 6.983 6.551 6.166 5.820 5.510 5.229 4.975 4.743 4.5 31 4.337 4, 159 3.994 17.292 15.372 13.765 12.409 11.258 10.274 9.4 27 8.694 8.055 7. 96 7.00 6.566 6. 77 5.8 29 5.5 5.2 35 4. 4. 746 4.5 34 4, 39 4, 60 3.995 28 40 19.793 17.159 15.046 13.332 11.925 10.757 9.779 8,951 8.244 7.634 7.105 6.642 6.233 5.871 5.548 5.25 4.99 4. 760 4.644 4.347 4.166 3.999 EXHIBIT 13B-2 Present Value of an Annuity of $1 in Arrears (1 nn Periods 4% 5% 6% 7% 8% 99% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 21% 22% 23% 24% 25% 0.962 0.952 0.943 0.935 0.926 0.917 0.909 0.901 0.893 0.885 0.877 0.870 0.862 0.855 0.847 0.840 0.833 0.826 0.820 0.813 0.806 0.800 1.886 1.859 1.833 1.808 1.783 1.759 1.736 1.713 1.690 1.668 1.647 1.626 1.605 1.585 1.566 1.54 1.5 1 509 1.492 1.474 1.457 1.440 2.775 2.723 2.673 2.624 2.577 2.531 2.487 2.444 2.402 2.361 2.322 2.283 2.246 2.210 2.1 74 2. 140 2.106 2.0 74 2 042 2.011 1.981 1.952 3.630 3.546 3.465 3.387 3.312 3.240 3.1700 3.102 3.037 2.974 2.914 2.855 2.798 2.74 2.6 90 2.6 39 2.5 89 2.540 2 49 2. 448 2 404 2. 4.452 4.329 4.212 4.100 3.993 3.890 3.791 3.696 3.605 3.517 3.433 3.352 3.274 3.199 3. 227 3.058 2.991 2.926 2. 864 2. 80 2. 745 2.689 5.242 5.076 4.917 4.767 4.623 4.486 4.355 4.231 4.111 3.998 3.889 3.784 3.685 3.58 3.498 3 410 3.326 3.245 3.167 3.092 3.020 2.951 6.002 5.786 5.582 5.389 5.206 5.033 4.868 4,712 4.564 4.42 4.288 4. 160 4.039 3.922 3.812 3.706 3.605 3.508 3.416 3.3 27 3.242 3.1 61 6.733 6.463 6.210 5.971 5.747 5.535 5.335 5.146 4.968 4.799 4.639 4.487 4.344 4.207 4.0 78 3.954 3. 37 3.726 3.6 19 3 51 3, 21 3. 329 7.435 7.108 6.802 6.515 6.247 5.995 5.759 5.537 5.328 5.132 4.946 4.772 4.607 4.451 4.303 4. 16 4.0 3.905 3 86 3.673 3.566 3.463 7.722 7.360 7.024 6.710 6.418 6.145 5.889 5.650 5.426 5.216 5.019 4.833 4 659 4.494 4.339 4.192 4.054 3.923 3 799 3.682 3.571 10 8.760 8.306 7.887 7.499 7.139 6.805 6.495 6.207 5.938 5.687 5.453 5.234 5.029 4.836 4.656 4.486 4.3 27 4.177 4.035 3.902 3.776 3.656 9.385 8.863 8.384 7.943 7.536 7.161 6.814 6.492 6.194 5.918 5.660 5.421 5.197 4.988 4.79 4.6 4.439 4.2 78 4.127 3.985 3.851 3.725 9.986 9.394 8.853 8.358 7.904 7.487 7.103 6,750 6.424 6.122 5.842 5.583 5.3 42 5. 118 4.9 10 4.715 4.533 4.362 4.203 4.053 3.912 3.780 10.563 9.899 9.295 8.745 8.244 7.786 7.367 6.982 6.628 6.302 6.002 5.724 5.468 5.229 5.008 4.802 4.61 1 4.432 4.265 4. 108 3.96 3.824 11.118 10.380 9.712 9.108 8.559 8.061 7.606 7.191 6.811 6.462 6.142 5.847 5.575 5.324 5.092 4.876 4.675 4.489 4.315 4.153 4.001 3.859 11 12 13 14 15 16 11.652 10.838 10.106 9.447 8.851 8.313 7.824 7.379 6.974 6.604 6.265 5.954 5.668 5.405 5.162 4.938 4.730 4.536 4.357 4. 189 4.033 3.887 12.166 11.274 10.477 9.763 9.122 8.544 8.022 7.549 7.120 6.729 6.373 6.047 5.749 5.475 5.222 4.990 4. 775 4.576 4. 39 4. 19 4.059 3.910 12.659 11.690 10.828 10.059 9.372 8.756 8.201 7.702 7.250 6.840 6.467 6.128 5.818 5.53 5.27 5.0 3 4. 81 2 4 608 4.419 4.243 4.080 3.928 13.134 12.085 11.158 10.336 9.604 8.950 8.365 7.839 7.366 6.938 6.550 6. 198 5.877 5.584 5.3 16 5.070 4.84 4.6 35 4.4 4 263 4.097 3.942 13.590 12.462 11.470 10.594 9.818 9.129 8.514 7.963 7.469 7.025 6.623 6.259 5.929 5.6 28 5. 35 5. 101 4.870 4. 65 4. 460 4, 279 4, 10 3.95 17 18 19 21 14.029 12.821 11.764 10.836 10.017 9.292 8.649 8.075 7.562 7.102 6.687 6.312 5.973 5.665 5.384 5.127 4.891 4.675 4.476 4.292 4. 121 3.963 14.451 13.163 12.042 11.061 10.201 9.442 8.772 8.176 7.645 7.170 6.743 6.359 6.011 5.696 5.410 5.149 4.909 4 690 4. 88 4 302 4.130 3.970 14.857 13.489 12.303 11.272 10.371 9.580 8.883 8.266 7.718 7.230 6.792 6.399 6.044 5.723 5.432 5.167 4.925 4.70 4. 499 4. 31 4, 37 3. 976 15.247 13.799 12.550 11.469 10.529 9.707 8.985 8.348 7.784 7.283 6.835 6.434 6.073 5.746 5.451 5.182 4.937 4.7 13 4.507 4.318 4. 3.98 15.622 14.094 12.783 11.654 10.675 9.823 9.077 8.422 7.843 7.330 6.873 6.464 6.097 5.766 5.467 5. 195 4.94 4. 72 4 4. 323 4.1 3. 23 24 25 26 15.983 14.375 13.003 11.826 10.810 9.929 9.161 8.488 7.896 7.372 6.906 6.491 6.118 5.783 5.480 5.206 4.956 4.728 4. 20 4.3 28 4.15 3.9 16.330 14.643 13.211 11.987 10.935 10.027 9.237 8.548 7. 943 7.40 6.935 6.514 6. 36 5. 5. 92 5.215 4.964 4.734 4524 4.332 4.154 3.990 16.663 14.898 13.406 12.137 11.051 10.116 9. 307 8.602 7.984 7.441 6.961 6.534 6.152 5.810 5.502 5.22 4.970 4 739 4.528 4.335 4.157 3.992 16.984 15.141 13.591 12.278 11.158 10. 198 9.370 8.650 8.022 7.470 6.983 6.551 6.166 5.820 5.510 5.229 4.975 4.743 4.5 31 4.337 4, 159 3.994 17.292 15.372 13.765 12.409 11.258 10.274 9.4 27 8.694 8.055 7. 96 7.00 6.566 6. 77 5.8 29 5.5 5.2 35 4. 4. 746 4.5 34 4, 39 4, 60 3.995 28 40 19.793 17.159 15.046 13.332 11.925 10.757 9.779 8,951 8.244 7.634 7.105 6.642 6.233 5.871 5.548 5.25 4.99 4. 760 4.644 4.347 4.166 3.999