EXHIBIT 4 Present Value of $1 at Compound Interest Periods 10% 0.90909 0 11% 12% .90090 0.89286 0.87344 0.82645 0.81162 0.79719 5% 596 6% 0.943400.93458 0.89000 7% 4% 0.96154 0.956940 0.95 0.92456 0.9157300.90703 238 0.94787 89845 13% 0.88496 0.78315 0. 0.88900 0.876300 0.86384 0.85161 0.83962 0.81630 0.75131 0.73119 0.71178 0.69305 0.85480 0.838560 0.82270 0 0.80722 0.79209 0.76290 0.68301 0.65873 0.63552 0.613 0.82193 0.802450 0.78353 0.76513 0.74726 0.71299 0.62092 0.59345 0.56743 0.54276 0.72525 0.70496 0.68744 0.66506 0 0.564470.53464 0.51316 0.48166 0.45235 0.46651 0.42410 0.39092 0.36061 0.33 0.48032 0.42506 0.37616 288 0.50663 0.79031 0.767900 0.74622 0.75992 0.734830 0.71068 0.73069 0.703190 0.67684 0.65160 0.70259 0.672900 0.64461 0.66634 275 0.58201 .62 0.62741 0.43393 0.40388 0.59190 0.54393 0.67556 0.643930 0.61391 0.585430.55839 0.50835 0.38554 0.35218 0.32197 0.29459 0.61763 10