Exhibit 1-C Present Value of $1 to Be Received at the End of a Given Number of Time Periods \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 11 & 21 & 31 & 41 & 51 & 61 & 71 & 83 & 91 & 101 & 111 & 121 \\ \hline 1 & 0.950 & 0.980 & 0.971 & 0.962 & 0.952 & 0,943 & 0.935 & 0.926 & 0.917 & 0.909 & 0.901 & 0.893 \\ \hline 2 & 0.980 & 0.961 & 0.943 & 0.925 & 0.907 & 0.890 & 0.873 & 0.857 & 0.842 & 0.826 & 0.812 & 0.797 \\ \hline 3 & 0.971 & 0.942 & 0.915 & 0.889 & 0.864 & 0.840 & 0.816 & 0.794 & 0.772 & 0.751 & 0.731 & 0.712 \\ \hline 4 & 0.961 & 0.924 & 0.888 & 0.055 & 0.823 & 0.792 & 0.763 & 0.735 & 0.708 & 0.683 & 0.659 & 0.636 \\ \hline 5 & 0.951 & 0.906 & 0.063 & 0.822 & 0.784 & 0,747 & 0.713 & 0.681 & 0.650 & 0.621 & 0.593 & 0.567 \\ \hline 6 & 0.942 & 0.888 & 0.837 & 0.790 & 0.746 & 0.705 & 0.666 & 0.630 & 0.596 & 0.564 & 0.535 & 0.507 \\ \hline 7 & 0.933 & 0.871 & 0.813 & 0.760 & 0.11 & 0.665 & 0.623 & 0.583 & 0.547 & 0.513 & 0.482 & 0.452 \\ \hline 8 & 0.923 & 0.853 & 0.789 & 0.731 & 0.677 & 0.627 & 0.582 & 0.540 & 0,502 & 0.467 & 0.434 & 0.404 \\ \hline 9 & 0.914 & 0.837 & 0.766 & 0.703 & 0.645 & 0.592 & 0.544 & 0.500 & 0.460 & 0.424 & 0.391 & 0.361 \\ \hline 10 & 0.905 & 0.020 & 0.744 & 0.676 & 0.614 & 0.558 & 0.508 & 0.463 & 0,422 & 0.3146 & 0.352 & 0.322 \\ \hline 11 & 0.196 & 0.804 & 0.722 & 0.650 & 0.585 & 0.527 & 0.475 & 0.429 & 0.388 & 0.350 & 0.317 & 0.287 \\ \hline 12 & 0.887 & 0.788 & 0.701 & 0.625 & 0.557 & 0.497 & 0.444 & 0.397 & 0.356 & 0.319 & 0.286 & 0.257 \\ \hline 13 & 0.879 & 0.773 & 0.681 & 0.601 & 0.5330 & 0.469 & 0.415 & 0.368 & 0.326 & 0.290 & 0.258 & 0.229 \\ \hline 14 & 0.870 & 0.758 & 0.661 & 0.577 & 0.505 & 0,442 & 0.388 & 0.340 & 0.299 & 0.263 & 0.232 & 0.205 \\ \hline 15 & 0.661 & 0.743 & 0.642 & 0.555 & 0.481 & 0.417 & 0.362 & 0.315 & 0.275 & 0.239 & 0.209 & 0.183 \\ \hline 16 & 0.853 & 0,728 & 0.623 & 0,534 & 0.458 & 0,394 & 0.339 & 0.292 & 0.252 & 0.218 & 0.188 & 0.163 \\ \hline 17 & 0.844 & 0.714 & 0.605 & 0.513 & 0.436 & 0.371 & 0.317 & 0.270 & 0.231 & 0.190 & 0.170 & 0.146 \\ \hline 10 & 0.036 & 0.700 & 0.587 & 0.494 & 0.416 & 0,350 & 0.296 & 0.250 & 0.212 & 0.180 & 0.153 & 0.130 \\ \hline 19 & 0.828 & 0.686 & 0.570 & 0.475 & 0.396 & 0.331 & 0.277 & 0.232 & 0.194 & 0,164 & 0.138 & 0.116 \\ \hline 20 & 0.820 & 0.673 & 0.554 & 0.456 & 0,377 & 0,312 & 0.258 & 0.215 & 0.178 & 0.149 & 0.124 & 0.104 \\ \hline 25 & 0.710 & 0.610 & 0.470 & 0.375 & 0.295 & 0.233 & 0.184 & 0.146 & 0,116 & 0.092 & 0.074 & 0.059 \\ \hline 30 & 0.742 & 0.552 & 0.412 & 0.308 & 0.231 & 0.174 & 0.131 & 0.099 & 0.075 & 0.057 & 0.044 & 0.033 \\ \hline 40 & 0.672 & 0.453 & 0,307 & 0.208 & 0.142 & 0,097 & 0.067 & 0.046 & 0,032 & 0.022 & 0.015 & 0.011 \\ \hline 30 & 0.608 & 0.372 & 0.221 & 0.141 & 0.087 & 0.054 & 0.034 & 0.021 & 0,013 & 0,009 & 0.005 & 0.003 \\ \hline \end{tabular} \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Peried & 131 & 141 & 151 & 161 & 171 & 101 & 191 & 201 & 251 & 301 & 351 & 401 & 501 \\ \hline 1 & 0.015 & 0.077 & 0.070 & 0.162 & 0.055 & 0.047 & 0.040 & 0.133 & 0.000 & 0.769 & 0.741 & 0.714 & 0.667 \\ \hline 2 & 0.203 & 0,769 & 0.756 & 0.743 & 0.731 & 0.710 & 0.706 & 0.654 & 0.640 & 0.592 & 0.549 & 0.510 & 0.444 \\ \hline 3 & 0.693 & 0.675 & 0.650 & 0.641 & 0.628 & 0.609 & 0.593 & 0.579 & 0.512 & 0.455 & 0.406 & 0.364 & 0.296 \\ \hline 4 & 0.613 & 0.592 & 0.572 & 0.352 & 0.534 & 0.516 & 0,499 & 0.412 & 0.410 & 0.350 & 0,301 & 0.260 & 0.198 \\ \hline 3 & 0.543 & 0.519 & 0.497 & 0.476 & 0.456 & 0.437 & 0.419 & 0.402 & 0.328 & 0.269 & 0.223 & 0.106 & 0.132 \\ \hline 6 & 0.480 & 0,456 & 0.432 & 0.410 & 0.390 & 0.370 & 0.352 & 0.335 & 0.262 & 0.207 & 0.165 & 0.133 & 0.088 \\ \hline 7 & 0.425 & 0.400 & 0.376 & 0.354 & 0.333 & 0.314 & 0.296 & 0.279 & 0.210 & 0.159 & 0.122 & 0.095 & 0.059 \\ \hline 8 & 0.376 & 0.351 & 0.327 & 0.305 & 0.285 & 0.266 & 0.249 & 0.233 & 0.168 & 0.123 & 0.091 & 0.068 & 0.039 \\ \hline 9 & 0.333 & 0.300 & 0.284 & 0.263 & 0.243 & 0.225 & 0.200 & 0.194 & 0.134 & 0.094 & 0.067 & 0.048 & 0.026 \\ \hline 10 & 0.295 & 0.270 & 0.247 & 0.227 & 0.200 & 0.191 & 0.176 & 0.162 & 0.107 & 0.073 & 0.050 & 0.035 & 0.017 \\ \hline 11 & 0.261 & 0.237 & 0.215 & 0.195 & 0.178 & 0.162 & 0.248 & 0.135 & 0.086 & 0.056 & 0.037 & 0.025 & 0.012 \\ \hline 12 & 0.231 & 0.200 & 0.187 & 0.168 & 0.152 & 0.137 & 0.124 & 0.112 & 0.069 & 0.043 & 0.027 & 0.018 & 0.008 \\ \hline 13 & 0.204 & 0.182 & 0.163 & 0.145 & 0.130 & 0.116 & 0.104 & 0.093 & 0.055 & 0.033 & 0.020 & 0.013 & 0.005 \\ \hline 14 & 0.181 & 0.160 & 0.141 & 0.125 & 0.111 & 0.099 & 0.086 & 0.078 & 0.044 & 0.025 & 0.015 & 0.009 & 0.003 \\ \hline 15 & 0.160 & 0.140 & 0.123 & 0.10B & 0.095 & 0.084 & 0.074 & 0.065 & 0.035 & 0.020 & 0.011 & 0.006 & 0.002 \\ \hline 16 & 0.141 & 0.123 & 0.107 & 0.093 & 0.081 & 0.071 & 0.062 & 0.054 & 0.028 & 0.015 & 0.008 & 0.005 & 0.002 \\ \hline 17 & 0.125 & 0.108 & 0.093 & 0.080 & 0.069 & 0+060 & 0.052 & 0.045 & 0.023 & 0.012 & 0.006 & 0.003 & 0.001 \\ \hline 10 & 0.111 & 0.095 & 0.081 & 0.069 & 0.059 & 0.051 & 0.044 & 0.038 & 0.018 & 0.009 & 0.005 & 0.002 & 0.001 \\ \hline 19 & 0.092 & 0.083 & 0.070 & 0.060 & 0.051 & 0.043 & 0.037 & 0.031 & 0.014 & 0.007 & 0.003 & 0.002 & 0 \\ \hline 20. & 0.087 & 0.073 & 0.061 & 0.051 & 0.063 & 0.037 & 0.031 & 0.026 & 0.012 & 0.005 & 0.002 & 0.001 & \\ \hline 25 & 0.047 & 0.038 & 0.030 & 0.024 & 0.020 & 0.016 & 0.013 & 0.010 & 0.004 & 0.001 & 0.001 & 0 & 0 \\ \hline 30 & 0.026 & 0.020 & 0.015 & 0.012 & 0.009 & 0.007 & 0.005 & 0.004 & 0.001 & 0 & 0 & 0 & 0 \\ \hline 40 & 0.008 & 0.005 & 0.004 & 0.003 & 0.002 & 0.001 & 0.001 & 0.001 & 0 & 0 & 0 & 0 & 0 \\ \hline 50 & 0.002 & 0.001 & 0.001 & 0.001 & 0 & 0 & 0 & 0 & 0 & 0 & 0 & 0 & 0 \\ \hline \end{tabular} Krista Lee can purchase a service contract for all of her major appliances for $250 a year. If the appliances are expected to last for 20 years and she earns 4 percent on her savings, what would be the future value of the amount Krista will pay for the service contract? (Exhibit 1-A, Exhibit 1-8, Exhibit 1-C, Exhibit 1-D) Note: Use appropriate factor(s) from the tables provided. Round time value factor to 3 decimal places and final answer to 2 decimal places. Exhibit 1-B Future Value (Compoanded Sum) of $1 Paid In at the End of Each Period for a Given Number of Time Periods (an Annuity) \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 11 & 21 & 31 & 41 & 51 & 61 & 71 & 81 & 93 & 101 & 111 \\ \hline 1 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 \\ \hline 2 & 2.010 & 2.020 & 2.030 & 2.040 & 2.050 & 2.060 & 2.070 & 2.040 & 2.090 & 2.100 & 2.110 \\ \hline 3 & 3.030 & 3.060 & 3.091 & 3.122 & 3.253 & 3.184 & 3.215 & 3.246 & 3.270 & 3.310 & 3.342 \\ \hline 4 & 4.060 & 4.122 & 4.184 & 4.246 & 4.310 & 4.375 & 4.440 & 4.506 & 4.573 & 4.641 & 4.710 \\ \hline 5 & 5.101 & 5.204 & 5.309 & 3.416 & 5.526 & 5.637 & 5.751 & 5.867 & 5.985 & 6.105 & 6.228 \\ \hline 6 & 6.152 & 6.308 & 6.468 & 6.633 & 6.802 & 6.975 & 2.153 & 7.336 & 7.523 & 7.716 & 7.913 \\ \hline 7 & 7.214 & 7.434 & 7.662 & 47.891 & 8.142 & 8.394 & 8.654 & 0.923 & 9.200 & 9.487 & 9.783 \\ \hline 1 & 0.216 & 0.503 & 8.622 & 3.214 & 9.549 & 9.897 & 10.260 & 10.637 & 11.028 & 11.436 & 11.859 \\ \hline 9 & 9.369 & 9.755 & 10.159 & 10.583 & 11.027 & 11.491 & 11.978 & 12.488 & 13.021 & 13.579 & 14.164 \\ \hline 10 & 10.462 & 10.950 & 11.464 & 12.006 & 12,578 & 13.181 & 13.816 & 14.487 & 15.193 & 15.937 & 16.722 \\ \hline 11 & 11.567 & 12.169 & 12.808 & 13.4186 & 14.207 & 14,972 & 15.784 & 16.645 & 17.560 & 18.531 & 19.561 \\ \hline 12 & 12.683 & 13.412 & 14.192 & 15.026 & 15.917 & 16.870 & 17.888 & 18.977 & 20.141 & 21.384 & 22.713 \\ \hline 13 & 13.809 & 14.680 & 15.618 & 15.627 & 17.713 & 18.882 & 20.141 & 21.495 & 22.953 & 24.523 & 26.212 \\ \hline 14 & 14.947 & 15.974 & 17.086 & 18.292 & 19.599 & 21.015 & 22.550 & 24,215 & 26.019 & 27.975 & 30.095 \\ \hline 15 & 16.097 & 17.293 & 18.599 & 20.024 & 21.579 & 23.276 & 25.129 & 27.152 & 29.361 & 31.772 & 34.405 \\ \hline 16 & 17.258 & 18.639 & 20.157 & 21.825 & 23.657 & 25.623 & 27.188 & 30,324 & 33.003 & 35.950 & 39.190 \\ \hline 17 & 18.430 & 20.012 & 21.762 & 23.698 & 25.840 & 28.213 & 30.840 & 33.750 & 36.974 & 40.545 & 44.501 \\ \hline 18 & 19.615 & 21.412 & 23.414 & 25.645 & 28.132 & 30.906 & 33.999 & 37.450 & 41.301 & 45.599 & 50.396 \\ \hline 19 & 20.811 & 22.841 & 25.117 & 27.671 & 30.539 & 33.760 & 37.379 & 41.446 & 46.018 & 51.159 & 56.939 \\ \hline 20 & 22.019 & 24.297 & 26.870 & 29.778 & 33,066 & 36.786 & 40.995 & 45.762 & 51.160 & 57.275 & 64.203 \\ \hline 25 & 28.243 & 32.030 & 36.459 & 41.646 & 47,727 & 54.865 & 63.249 & 73.106 & 84.701 & 98.347 & 114.413 \\ \hline 30 & 34.735 & 40,56! & 47.575 & 56.015 & 66.439 & 79.058 & 94.461 & 113.283 & 136.308 & 164.494 & 199.021 \\ \hline 40 & 48.886 & 60.402 & 75.401 & 95.026 & 120.800 & 154.762 & 199.635 & 259.057 & 337.882 & 442.593 & 581.826 \\ \hline 50 & 64.463 & 84.579 & 112+797 & 152.667 & 209.348 & 290,336 & 406.529 & 573.770 & 815.084 & 1,163.909 & 1,669,771 \\ \hline \end{tabular} \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 121 & 131 & 241 & 151 & 161 & 171 & 181 & 191 & 201 & 251 & 301 \\ \hline 1 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 \\ \hline 2 & 2.120 & 2.130 & 2.140 & 2.150 & 2.160 & 2.170 & 2.180 & 2,190 & 2.200 & 2.250 & 2.300 \\ \hline 3 & 3.374 & 3.407 & 3.440 & 3.473 & 3.506 & 3.539 & 3.572 & 3.606 & 3.640 & 3.813 & 3.990 \\ \hline 4 & 4.779 & 4.850 & 4.921 & 4.993 & 5.066 & 5.141 & 5.215 & 5.291 & 5.368 & 5.766 & 6.187 \\ \hline 5 & 6.353 & 5.480 & 6.610 & 6.742 & 6.077 & 7.014 & 7.154 & 7.297 & 7.442 & 8.207 & 9.043 \\ \hline 6 & 8.115 & 8.323 & 8.536 & 8.754 & 8.977 & 9.207 & 9.442 & 9.653 & 9.930 & 11.259 & 12.756 \\ \hline 7 & 10.089 & 10.405 & 10.730 & 11.067 & 11.414 & 11.772 & 12.142 & 12.523 & 12.916 & 15.073 & 17.583 \\ \hline 8 & 12.300 & 12.757 & 13.233 & 13.727 & 14.240 & 14.773 & 15.327 & 15.902 & 16.499 & 19.842 & 23.858 \\ \hline 9 & 14.776 & 15.416 & 16.085 & 16.786 & 17.519 & 18.285 & 19.086 & 19.923 & 20.799 & 25.802 & 32.015 \\ \hline 10 & 17.549 & 18.420 & 19.337 & 20.304 & 21.321 & 22.393 & 23.521 & 24.709 & 25.959 & 33.253 & 42.619 \\ \hline 11 & 20.655 & 21.814 & 23.045 & 24.349 & 25.733 & 27.200 & 28,755 & 30.404 & 32.150 & 42.566 & 56.405 \\ \hline 12 & 24.133 & 25.650 & 27,271 & 29.002 & 30.850 & 32.824 & 34.931 & 37,180 & 39.581 & 54.208 & 74.327 \\ \hline 13 & 28.029 & 29.985 & 32.089 & 34.352 & 36.786 & 39.404 & 42.219 & 45,244 & 48.497 & 68.760 & 97.625 \\ \hline 14 & 32.393 & 34.883 & 37.581 & 40.505 & 43.672 & 47.103 & 50,818 & 54.841 & 59.196 & 86.949 & 127.913 \\ \hline 15 & 37.280 & 40.417 & 43.842 & 47.580 & 51.660 & 56.110 & 60,965 & 65.261 & 72.035 & 109.697 & 167.286 \\ \hline 16 & 42.753 & 46.672 & 50,980 & 55,717 & 60.925 & 66.649 & 72.939 & 79.850 & 87.442 & 138,109 & 218.472 \\ \hline 17 & 48.884 & 53.739 & 59.128 & 65.075 & 31.673 & 78.979 & 87.068 & 96.022 & 105,931 & 173.636 & 285.014 \\ \hline 11 & 55.750 & 61.725 & 68.394 & 75.836 & 84.142 & 93.406 & 103.740 & 115.266 & 128.117 & 210.045 & 371.518 \\ \hline 19 & 63.440 & 70.769 & 76.969 & 08,212 & 98.603 & 110.285 & 123.414 & 138.166 & 154.740 & 273.556 & 483.973 \\ \hline 20 & 22.052 & 80,947 & 91.025 & 102.444 & 115.380 & 130.033 & 146.620 & 165.418 & 186.688 & 342.945 & 630.165 \\ \hline 25 & 133.334 & 155.620 & 101.071 & 212.793 & 249.214 & 292.105 & 342.603 & 402.042 & 471.981 & 1,054.791 & 2,346,003 \\ \hline 30 & 241.333 & 293.199 & 356.7187 & 434.745 & 530.312 & 647,439 & 790,940 & 966.712 & 1.181 .882 & 3.227 .174 & 8.729 .985 \\ \hline 40 & 767.091 & 1,013,704 & 1,342,025 & 1,779,090 & 2,360.757 & 3,134,522 & 4,163.213 & 5,529,829 & 7,343.058 & 30,088,655 & 120,392,083 \\ \hline 50 & 2,400,010 & 3,459.507 & 4,994,521 & 7,217.716 & 10,435.649 & 15,089,502 & 21,013.094 & 31,515,340 & 45,497,191 & 280,255.693 & 1,659,760.743 \\ \hline \end{tabular} Exhibit 1-D Present Value of \$1 Received at the End of Each Period for a Given Number of Time Periods (an Annuity) \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 11 & 21 & 31 & 41 & 51 & 61 & 71 & 83 & 91 & 101 & 111 & 121 \\ \hline 1 & 0.990 & 0.980 & 0.971 & 0.962 & 0.952 & 0.943 & 0.935 & 0.926 & 0.917 & 0.909 & 0.901 & 0.893 \\ \hline 2 & 1.970 & 1.942 & 1.913 & 1.886 & 1.859 & 1.833 & 1.808 & 1.783 & 1.759 & 1.736 & 1.713 & 1.690 \\ \hline 3 & 2.941 & 2.884 & 2.829 & 2.775 & 2.723 & 2.673 & 2.624 & 2.577 & 2.531 & 2.487 & 2.444 & 2.402 \\ \hline 4 & 3.902 & 3,808 & 3.717 & 3.630 & 3.546 & 3.465 & 3.387 & 3.312 & 3.240 & 3.170 & 3.102 & 3.037 \\ \hline 5 & 4.853 & 4.713 & 4.580 & 4.452 & 4.329 & 4.212 & 4.100 & 3.993 & 3.890 & 3.791 & 3.696 & 3.605 \\ \hline 6 & 5.795 & 5.601 & 5.417 & 5.242 & 5.076 & 4.917 & 4.767 & 4.623 & 4.486 & 4.355 & 4.231 & 4.111 \\ \hline 7 & 6.728 & 6.472 & 6.230 & 6.002 & 5.786 & 5.582 & 5.389 & 5.206 & 5.033 & 4.868 & 4.712 & 4.564 \\ \hline 8 & 7.652 & 7.325 & 7.020 & 6.733 & 6.463 & 6.210 & 5.971 & 5.747 & 5.535 & 5.335 & 5.146 & 4.968 \\ \hline 9 & 8.566 & 8.162 & 7.786 & 7.435 & 7.108 & 6.802 & 6.515 & 6.247 & 5.995 & 5.759 & 5.537 & 5.328 \\ \hline 10 & 9.471 & 8.983 & 8.530 & 8.111 & 0.722 & 7.360 & 7.024 & 6.710 & 6.418 & 6.145 & 5.889 & 5.650 \\ \hline 11 & 10.368 & 9.787 & 9.253 & 8.760 & 8.306 & 7.887 & 7.499 & 7.139 & 6.805 & 6.495 & 6.207 & 5.938 \\ \hline 12 & 11.255 & 10.575 & 9+954 & 9.385 & 8.863 & 8.384 & 7.943 & 7.536 & 7.161 & 6.814 & 6.492 & 6.194 \\ \hline 13 & 12.134 & 11.348 & 10.635 & 9.986 & 9.394 & 8.853 & 8.358 & 7.904 & 7.487 & 7.103 & 6.750 & 6.424 \\ \hline 14 & 13.004 & 12,106 & 11.296 & 10.563 & 9.899 & 9.295 & 8.745 & 8.244 & 7.786 & 7.367 & 6.982 & 6.628 \\ \hline 15 & 13.865 & 12.849 & 11+938 & 11.118 & 10.380 & 9.712 & 9.108 & 8.559 & 8.061 & 7.606 & 7.191 & 6.811 \\ \hline 16 & 14.718 & 13.578 & 12.561 & 11.652 & 10.838 & 10.106 & 9.447 & 8.851 & 8.313 & 7.824 & 7.379 & 6.974 \\ \hline 17 & 15.562 & 14.292 & 13.166 & 12.166 & 11.274 & 10.477 & 9.763 & 9.122 & 8.544 & 8.022 & 7.549 & 7.120 \\ \hline 18 & 16.398 & 14+992 & 13.754 & 12.659 & 11.690 & 10.828 & 10.059 & 9.372 & 8.756 & 8.201 & 7.702 & 7.250 \\ \hline 19 & 17.226 & 15.678 & 14.324 & 13.134 & 12.085 & 11.158 & 10.336 & 9.604 & 8.950 & 8.365 & 7.839 & 7.366 \\ \hline 20 & 18.046 & 16.351 & 14.877 & 13.590 & 12.462 & 11.470 & 10.594 & 9.818 & 9.129 & 8.514 & 7.963 & 7.469 \\ \hline 25 & 22.023 & 19.523 & 17.413 & 15.622 & 14.094 & 12.783 & 11.654 & 10.675 & 9.823 & 9.077 & 8.422 & 7.843 \\ \hline 30 & 25.808 & 22.396 & 19.600 & 17.292 & 15.372 & 13.765 & 12.409 & 11.258 & 10.274 & 9.427 & 8.694 & 8.055 \\ \hline 40 & 32.835 & 27.355 & 23.115 & 19.793 & 17.159 & 15.046 & 13.332 & 11.925 & 10.757 & 9.779 & 8.951 & 8.244 \\ \hline 50 & 39.196 & 31.424 & 25.730 & 21.482 & 18.256 & 15.762 & 13.801 & 12.233 & 10.962 & 9.915 & 9.042 & 8.304 \\ \hline \end{tabular} \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 138 & 141 & 15t & 161 & 173 & 188 & 191 & 201 & 251 & 301 & 35t & 401 & 501 \\ \hline 1 & 0.885 & 0.877 & 0.870 & 0.862 & 0.855 & 0.847 & 0.840 & 0.833 & 0.800 & 0.769 & 0.741 & 0.714 & 0.667 \\ \hline 2 & 1.668 & 1.647 & 1.626 & 1.605 & 1.585 & 1.566 & 1.547 & 1.528 & 1.440 & 1.361 & 1.289 & 1.224 & 1.111 \\ \hline 3 & 2.361 & 2.322 & 2.283 & 2.246 & 2.210 & 2.174 & 2.140 & 2.106 & 1.952 & 1.816 & 1.696 & 1.589 & 1.407 \\ \hline 4 & 2.974 & 2.914 & 2.855 & 2.798 & 2.743 & 2.690 & 2.639 & 2.589 & 2.362 & 2.166 & 1.997 & 1.849 & 1.605 \\ \hline 5. & 3.517 & 3.433 & 3.352 & 3.274 & 3.199 & 3.127 & 3.058 & 2.991 & 2.689 & 2.436 & 2.220 & 2.035 & 1.737 \\ \hline 6 & 3.998 & 3.889 & 3.784 & 3.685 & 3.589 & 3.498 & 3.410 & 3.326 & 2.951 & 2.643 & 2.385 & 2.168 & 1.824 \\ \hline 7 & 4.423 & 4.288 & 4.160 & 4.039 & 3.922 & 3.812 & 3.706 & 3.605 & 3.161 & 2.802 & 2.508 & 2.263 & 1.883 \\ \hline 8 & 4.799 & 4.639 & 4.487 & 4.344 & 4.207 & 4.078 & 3.954 & 3.837 & 3.329 & 2.925 & 2.598 & 2.331 & 1.922 \\ \hline 9 & 5.132 & 4.946 & 4.772 & 4.607 & 4.451 & 4.303 & 4.163 & 4.031 & 3.463 & 3.019 & 2.665 & 2.379 & 1.948 \\ \hline 10 & 5.426 & 5.216 & 5.019 & 4.833 & 4.659 & 4.494 & 4.339 & 4.192 & 3.571 & 3.092 & 2.715 & 2.414 & 1.965 \\ \hline 11 & 5.687 & 5.453 & 5.234 & 5.029 & 4.836 & 4.656 & 4.486 & 4.327 & 3.656 & 3.147 & 2.752 & 2.438 & 1.977 \\ \hline 12 & 5.918 & 5.660 & 5.421 & 5.197 & 4.988 & 4.793 & 4.611 & 4.439 & 3.725 & 3.190 & 2.779 & 2+456 & 1.985 \\ \hline 13 & 6.122 & 5.842 & 5.583 & 5.342 & 5.118 & 4.910 & 4.715 & 4.533 & 3.780 & 3.223 & 2.799 & 2.469 & 1.990 \\ \hline 14 & 6.302 & 6.002 & 5.724 & 5.468 & 5.229 & 5.008 & 4.802 & 4.611 & 3.824 & 3.249 & 2.814 & 2.478 & 1.993 \\ \hline 15 & 6.462 & 6.142 & 5.847 & 5.575 & 5.324 & 5.092 & 4.876 & 4.675 & 3.859 & 3.268 & 2.825 & 2.484 & 1.995 \\ \hline 16 & 6.604 & 6.265 & 5.954 & 5.668 & 5.405 & 5.162 & 4.938 & 4.730 & 3.887 & 3.283 & 2.834 & 2.489 & 1.997 \\ \hline 17 & 6.729 & 6.373 & 6.047 & 5.749 & 5.475 & 5.222 & 4.990 & 4.775 & 3.910 & 3.295 & 2.840 & 2.492 & 1.998 \\ \hline 18 & 6.840 & 6.467 & 6.128 & 5.818 & 5.534 & 5.273 & 5.033 & 4.812 & 3.928 & 3.304 & 2.844 & 2.494 & 1.999 \\ \hline 19 & 6.938 & 6.550 & 6.198 & 5.877 & 5.584 & 5.316 & 5.070 & 4.843 & 3.942 & 3.311 & 2.848 & 2.496 & 1.999 \\ \hline 20 & 7.025 & 6.623 & 6.259 & 5.929 & 5.628 & 5.353 & 5.101 & 4.870 & 3.954 & 3.316 & 2.850 & 2.497 & 1.999 \\ \hline 25 & 7.330 & 6.873 & 6.464 & 5.097 & 5.766 & 5.467 & 5.195 & 4.948 & 3.985 & 3.329 & 2.856 & 2.499 & 2.000 \\ \hline 30 & 7.496 & 7.003 & 6.566 & 6.177 & 5.829 & 5.517 & 5.235 & 4.979 & 3.995 & 3.332 & 2.857 & 2.500 & 2.000 \\ \hline 40 & 7.634 & 7.105 & 6.642 & 6.233 & 5.871 & 5.548 & 5.258 & 4.997 & 3.999 & 3.333 & 2.857 & 2.500 & 2.000 \\ \hline 50 & 7.675 & 7.133 & 6.661 & 6.246 & 5.880 & 5.554 & 5.262 & 4.999 & 4.000 & 3.333 & 2.857 & 2.500 & 2.000 \\ \hline \end{tabular} Exhibit 1-A Future Value (Compounded Sum) of \$1 after a Given Number of Time Perieds \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 11 & 21 & 31 & (1) & 51 & 61 & 71 & 81 & 91 & 101 & 111 \\ \hline 1 & 1.010 & 1.020 & 1.030 & 1.040 & 1.050 & 1.060 & 1.070 & 1.080 & 1.090 & 1.100 & 1.110 \\ \hline 2 & 1.020 & 1,040 & 1.061 & 1.082 & 1.103 & 1.124 & 1.145 & 1.156 & 1.182 & 1.210 & 1.232 \\ \hline 3 & 1.030 & 1.061 & 1.093 & 1.125 & 1.158 & 1.191 & 1.225 & 1,260 & 1.295 & 1.331 & 1.366 \\ \hline 4 & 1.041 & 1.082 & 1.126 & 1.170 & 1.216 & 1.262 & 1.311 & 1.360 & 1.412 & 1.464 & 1.518 \\ \hline 5 & 1.051 & 1.104 & 1.159 & 1.217 & 1.276 & 1.338 & 1.403 & 1.469 & 1.539 & 1.611 & 1.655 \\ \hline 6 & 1.062 & 1.126 & 1.194 & 1.265 & 1.340 & 1.419 & 1.501 & 1.587 & 1.677 & 1.772 & 1.870 \\ \hline 7 & 1.072 & 1.149 & 1.2% & 1.316 & 1.407 & 1.504 & 1.606 & 1.714 & 1.829 & 1.249 & 2.076 \\ \hline 8 & 1.083 & 1.172 & 1.267 & 1.369 & 1.477 & 1.594 & 1.718 & 1.851 & 1,993 & 2.144 & 2.305 \\ \hline 2 & 1.094 & 1.195 & 1.305 & 1.423 & 1.551 & 1.689 & 1.938 & 1.999 & 2.172 & 2,358 & 2.558 \\ \hline 10 & 1.103 & 1.219 & 1.344 & 1.410 & 1.623 & 1.791 & 1.967 & 2.159 & 2.367 & 2.594 & 2.019 \\ \hline 11 & 1.116 & 1.243 & 1.384 & 1.539 & 1.210 & 1.098 & 2.105 & 2.332 & 2.580 & 2.853 & 3.152 \\ \hline 12 & 1.127 & 1.268 & 1.426 & 1.601 & 1.796 & 2.012 & 2.252 & 2.519 & 2.013 & 3.138 & 3.490 \\ \hline 13 & 1.131 & 1.296 & 1.469 & 1.665 & 1.886 & 2.133 & 2.410 & 2.720 & 3.066 & 3.452 & 3.883 \\ \hline 14 & 1.149 & 1.319 & 1.513 & 1.732 & 1.980 & 2.261 & 2.579 & 2.937 & 3.342 & 3.797 & 4.310 \\ \hline 15 & 1.161 & 1.346 & 1.558 & 1.801 & 2.079 & 2.397 & 2.759 & 3.172 & 3.642 & 4.177 & 4.785 \\ \hline 16 & 1.173 & 1.373 & 1.cos & 1.073 & 2.103 & 2.540 & 2.952 & 3.426 & 3.970 & 4.595 & 5.311 \\ \hline 17 & 1.184 & 1.400 & 1.653 & 1.948 & 2.292 & 2.693 & 3.159 & 3.700 & 4.321 & 5.054 & 5.895 \\ \hline 18 & 1.196 & 1.421 & 1.702 & 2.026 & 2.407 & 2.854 & 3.380 & 3.996 & 4.717 & 5.560 & 6.544 \\ \hline 13 & 1.201 & 1.457 & 1.754 & 2.107 & 2.527 & 3.026 & 3.617 & 4.316 & 5.242 & 6.116 & 7.263 \\ \hline 20 & 1.220 & 1.486 & 1.806 & 2.191 & 2.653 & 3.207 & 3.870 & 4.661 & 5.604 & 6.727 & 8.062 \\ \hline 25 & 1.202 & 1.641 & 2.094 & 2.656 & 3.386 & 4.292 & 5.427 & 6.848 & 8.623 & 10.835 & 13.585 \\ \hline 30 & 1.346 & 1.611 & 2.427 & 0.243 & 4.322 & 5.743 & 7.612 & 10.063 & 13.266 & 17.449 & 22.692 \\ \hline 40 & 1.489 & 2.208 & 3.262 & 4.802 & 7.040 & 10.286 & 14.974 & 21.725 & 31.409 & 45.259 & 65.001 \\ \hline 50 & 1.645 & 2.692 & 4.3114 & 7.107 & 11.467 & 18.420 & 29.457 & 46.902 & 74.358 & 117.391 & 180.565 \\ \hline \end{tabular} \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 121 & 131 & 141 & 151 & 161 & 171 & 181 & 191 & 201 & 251 & 301 \\ \hline 1 & 1.120 & 1,130 & 1.140 & 1.150 & 1.160 & 1.170 & 1.180 & 1.199 & 1.200 & 1.250 & 1,300 \\ \hline 2 & 1,254 & 1.277 & 1+700 & 1.323 & 1,346 & 1.367 & 1.392 & 1.416 & 1.440 & 1.563 & 1.690 \\ \hline 3 & 1,405 & 1.443 & 1.482 & 1,521 & 1.561 & 1.602 & 1.643 & 1.695 & 1.728 & 1.953 & 2.197 \\ \hline 4 & 1.574 & 1.630 & 1+609 & 1.749 & 1,011 & 1.074 & 1.939 & 2.005 & 2.074 & 2.441 & 2.856 \\ \hline 5 & 1.762 & 1.842 & 2.925 & 2.011 & 2.100 & 2.192 & 2.2BD & 2.316 & 2.488 & 3.052 & 3.713 \\ \hline 6 & 1.974 & 2.012 & 2,195 & 2.313 & 2.436 & 2.565 & 2.700 & 2.840 & 2,986 & 3.815 & 4.1227 \\ \hline 7 & 2,211 & 2.353 & 2.502 & 2.560 & 2.826 & 3.001 & 3.185 & 3.379 & 3.583 & 4.764 & 6.275 \\ \hline 8 & 2.476 & 2.550 & 2.853 & 3.059 & 3.270 & 3.511 & 3.759 & 4.021 & 4.300 & 5.960 & 0.157 \\ \hline 9 & 2.773 & 3.004 & 3,252 & 3.510 & 3.803 & 4.103 & 4.435 & 4.765 & 5.160 & 7.451 & 10.604 \\ \hline 10 & 3.106 & 3.395 & 3.707 & 4.046 & 4.411 & 4.507 & 5.234 & 5.695 & 6.192 & 9.313 & 13.786 \\ \hline 11 & 3.479 & 3.036 & 4.226 & 4.652 & 5.117 & 5.624 & 6.176 & 6.777 & 7+430 & 11.642 & 17.922 \\ \hline 12 & 3.896 & 4.335 & 4.011 & 5.350 & 5,936 & 6.580 & 7.288 & 9,064 & 8,916 & 14.552 & 23,298 \\ \hline 13 & 4.363 & 4.898 & 5.492 & 6.153 & 6.896 & 7.699 & 0.599 & 9.596 & 10.699 & 18.190 & 30.288 \\ \hline 14 & 4.837 & 5.535 & 6.261 & 7.076 & 7+911 & 9.007 & 10.147 & 11.420 & 12.839 & 22.737 & 39,374 \\ \hline 15 & 5.474 & 6.254 & 7.138 & 8.137 & 9.266 & 10.539 & 11.974 & 13+590 & 15.407 & 20.422 & 51.186 \\ \hline 16 & 6.110 & 7.067 & 0.137 & 9.3511 & 10.748 & 12.330 & 14+129 & 16.172 & 18.488 & 35.527 & 56.542 \\ \hline 17 & 6.866 & 7.986 & 9.276 & 10,761 & 12.458 & 14.426 & 16.672 & 19,244 & 22.186 & 44.409 & 86.504 \\ \hline 18 & 7.690 & 9.074 & 10.575 & 12,375 & 14.463 & 16,079 & 19.673 & 22,901 & 26.623 & 55,511 & 112.453 \\ \hline 13 & 8.613 & 10.197 & 12.055 & 14.232 & 16.777 & 19.748 & 23,214 & 27.252 & 31.946 & 69.389 & 146.192 \\ \hline 20 & 2.446 & 11.523 & 13.743 & 16.357 & 19.461 & 23,106 & 27,393 & 32.429 & 38.3311 & 06.736 & 190.050 \\ \hline 25 & 17,500 & 21.231 & 26.462 & 32.919 & 40.874 & 50.651 & 62.669 & 77,389 & 95.396 & 264.698 & 705.641 \\ \hline 30 & 29.900 & 39.116 & 50.950 & 66.212 & 85.050 & 111.065 & 143,371 & 134.673 & 237.376 & 807.794 & 2,619,996 \\ \hline 40 & 93,051 & 132.752 & 100.0184 & 267.864 & 370.721 & 533.369 & 750,370 & 1,051.661 & 1,469,772 & 7,523,164 & 36,118,.065 \\ \hline 50 & 209.002 & 450.736 & 700.233 & 1,083,657 & 1,670.704 & 2,565+215 & 3.927 .357 & 5,980.914 & {[9,100,438} & 80,065,923 & 492,929,223 \\ \hline \end{tabular}